BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit score dropped XXXX points for opening a new account. This seems excessive. My score was XXXX. It is now XXXX. 

There are also tines when my credit score had dropped but no changes were detected. How is this possible?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: ALLY FINANCIAL INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was in a class action lawsuit with Ally financial for the past 6-8 mos. ( maybe longer ) and the people won, so the people were to get 2 things, a small monetary amount by check, ( which I have not received ) and since they reported wrong things on our credit report the were also to take any credit reporting from Ally financial off of all 3 reporting agencies... I see where they have removed Ally debt from XXXX but have not removed XXXX or XXXX... Please have the reporting agencies remove any bad credit from my credit report per the stipulation from the class action law suit with Ally financial.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have had someone trying to access my credit information and have placed fraud alerts on all credit reports. There have been many many inquiries by lenders in which I did not give authorization to these companies to access my credit report. I have tried contacting these individual companies for a resolution but there are just too many to deal with and not enough contact information is being provided, nor any assistance from these companies. XXXX advised me to fill out his form after placing a fraud alert on my credit file to have these inquiries removed from my credit reports. The inquiries are reported as follows on each of my three credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN CREDIT REPORT XXXX REFLECTS SIMILAR INQUERIES AS ABOVE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo Bank improperly denied my mortgage loan modifications, which has led to my home wrongfully being in foreclosure. Wells Fargo Bank has incorrectly denied my mortgage loan modification applications and miscalculated fees and other charges notwithstanding that I am a qualified borrower. 
Wells Fargo 's process for evaluating my loan modification applications was also affected by errors in the relevant calculation formulas. These errors resulted in an overstatement of the attorneys fees included in the calculation, which sometimes caused me as a qualified borrower not to be offered a loan modification. To date Wells Fargo has not addressed the error nor provide remediation to my mortgage account that experienced incorrect loss- mitigation outcomes, including wrongful foreclosure. 
Wells Fargo 's mortgage servicing operations experienced other errors that resulted in Wells Fargo assessing my mortgage unwarranted charges and fees, which include, failing to timely pay the appropriate amount of my property taxes; miscalculated the interest rate on my adjustable-rate mortgages and did not give me information about my ability to stop paying for expensive private mortgage insurance. Wells Fargo acts and practices has caused substantial injury to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person and I am a living human being. I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681 and they have violated my rights numerous times.

According to USC 1681 : I have the right to privacy and I did not give Equifax permission to furnish these accounts. 

I demand the accounts listed below be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Name : XXXX, XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX XXXX Inquiry : XXXX XXXX XXXX  Experian Addresses : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Employers : XXXX XXXX XXXX XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Addresses XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Im very concerned about the items listed below that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! This has caused me not to get approved into a home and not being hired I have been going back and forth with the bureaus for over XXXX months now! I ask that you delete these accounts immediately! These are violations of the FCRA and effecting my everyday life all XXXX accounts are inaccurate in several ways as they are reporting inaccurate dates and amounts for all XXXX credit reporting agencies!!! Delete accounts immediately as it states in the FCRA. XXXX XXXX and XXXX XXXX also reports several inaccuracies and need to be deleted immediately from all XXXX bureaus. I am completely exhausted of the back and forth and will seek litigation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Company: CREDIT ACCEPTANCE CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Credit acceptance is has charged me hiden fees to my vehicle lease. 
I struggle with payments and they repossessed the vehicle adding more charges to my debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Great I am writing this letter regarding unknown accounts below in the reports that suddenly from nowhere appeared in my credit report! I am sure its identity theft and I am a victim. I have no idea how that happened actually but for sure I do not know these accounts ... like could you please investigate, check and delete them. I do not know these accounts I HAVE NOTHING IN COMMON WITH THESE ACCOUNTS, I SEE THEM FIRST TIME, I DO NOT RECOGNIZE THEM SO DELETE PLEASE ASAP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXXhas negative information and out dated information severely impacting my credit report. This is TERRIBLE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Bank Of America sent me a credit card that I did not apply for I called them waited on hold an hour got bounced around and they did not have an explanation whyyI received a credit card that I never applied for

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have recently done an investigation into my credit report and I don't believe the credit reporting agencies are 100 percent accurate and so I would like this account removed. 
In accordance with Fair Credit Reporting Act XXXX Account # XXXX US DEPT OF ED, XXXX XXXX XXXX XXXX XXXX PA has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: FREEDOM FINANCIAL NETWORK
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
approximately XX/XX/2023 I received a call from a XXXX XXXX, they used to be freedom plus loans, had an existing loan. The person on the phone asked if I wanted to roll my car loans into the loan. After a couple calls that day, I agreed I specifically asked if the interest rate would be better or at least the same. The person on the other end of the phone said would be about a percent lower than what I currently had. The current rate was about 17 % so the new loan shouldve been about 16 %. Which is a pretty high because my husband I have credit scores over XXXX. I was also never informed there would be an origination fee. I did receive the loan documents but because I was told the interest-rate would be lower and there was no mention of the origination fee. I signed the documents. 

Unfortunately, I didnt realize until one day passed the day you could stop the loan, that they charged me {$1800.00} origination fee, as I got to looking further not only did the person lie to me about the interest rate in lower. The interest rate is 20 % which is 3 % higher than what I had. I wouldve never agreed to these terms. 

I started calling XXXX XXXX in speaking with representatives on XX/XX/2023. The represent told me shell follow complaint for me and also asked that they listen to the call I had with their rep on XX/XX/2023 so they could see he never mentioned in the origination fee. The rep agreed to put that in the complaint. 

On XX/XX/2023 I believe I realized that the interest rate on my loan is not 16 % like the rep told me on XX/XX/2023. The interest rate is close to 21 %.. I called back XXXX XXXX that day spoke to a representative, explained that the rep called me on XX/XX/2023. Tell me the interest rate would be about a percent lower than what I currently had which at that time, My interest rate with 17 % They said they would update the complaint. I again asked for them to listen to the calls on XX/XX/2023. I was told it would be sent to a team leader supervisor. 

I think a couple days later I spoke to a supervisor who did confirm she listened to the call from XX/XX/2023 she confirmed that that rep did not tell me about an origination fee and did state my interest rate would be about a percent lower than what I currently had and at that time my interest rate was 17 %. 

She agreed to let her supervisors know Ive had multiple contacts with her since, I sincerely feel she has tried her best to get upper management to look at this case. But as of XX/XX/2023 no resolution my interest rate is still 20 % which is ridiculous. 

She agreed that it is not appropriate for the representative to not have told me about the origination fee, and he gave me incorrect information about the interest rate. Phone number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT BY A GUY I WAS DATING. I SHOULD'VE KNOWN HE WAS NO GOOD WHEN HE SO EASY TO STOP TALKING TO ME AFTER I LET HIM STAY WITH ME FOR A WEEK. I NEVER USE MY CREDIT BUT I TOOK A LOOK AT MY CREDIT REPORT AND NOTICED THERE IS SOME FRAUDULENT INFORMATION ON MY FILE THAT NEEDS TO BE BLOCKED WITHIN THE NEXT 4 DAYS. I'M WILLING TO PRESS CHARGES ON XXXX XXXX IF HE IS CAUGHT! 


FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have attached XXXX reports with accounts reporting inaccuracies and errors, please delete these and update my personal info

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Yes I messaged XXXX XXXX  about unauthorized charges on my credit card account they ignored the issue and proceeded to close my account and have it in a frozen status they even locked me out of my account. I did an investigation to remove the inaccurate information from my report it took more than 30 days and they did not update me they just said it was verified from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15 USC 1681 Section 602 A. States have the right to privacy. 15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions crimes which antedates the report by no more than seven years. 15 USC 1681-2 ( a ) ( 1 ) A person shallot furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting Act. The list of following accounts below has violated my federally protected consumer rights to privacy and confidentiality. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12
Company: I.C. System, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
An account I had through XXXX was sent to collections in XXXX, I then paid the balance of {$270.00} through their collection agency XXXX on XX/XX/XXXX. On XX/XX/XXXX a collections account was placed on my credit by the company I C System INC, a collection agency with XXXX, for the same amount of {$270.00}. When I contacted XXXX about this several times during the week of XXXX XXXX they stated that in their system my balance was XXXX  and to contact the collection agency directly, along with disputing the item on my credit. I did both to no avail as the collection agency stated they would need confirmation from XXXX that the debt was settled and the dispute continues to come back as accurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have removed these inquiries and I am aware that any inquiry is a receipt of a transaction and I never validated any of these transactions. according to 15 usc 1681 ( n ) and 1681 ( o ) they have failed to comply and follow many of the laws put in place. I want {$1000.00} for each inquiry that has been removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-19
Company: WELLS FARGO & COMPANY
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Wells Fargo calls me from different spoof numbers and from their main number. They call back to back repeatedly throughout the day. They first started to call back in XX/XX/2018. I have screenshots of the harrasing phone calls. They harass me, won't speak when I answer, hangs up on me and won't stop calling my phone. It has gotten to a point where I had to block their number but it will still show me when they would call. They call from their spoof number XXXX & also from XXXX. They have called me so many times that I would literally be writing for hours.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief