BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-21
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-06
Company: Cornerstone Home Lending Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Please be an educated buyer. In hindsight I would have never signed the contract to begin with. We were told we were approved for the house but could never get the preferred lender on the phone to show us exact numbers for monthly payment, down payment, interest rate etc. We applied on XX/XX/2022, contacted the lender listed on XX/XX/2022 to obtain initial disclosures ( abiding by the 3 day timing to issue a loan estimate after receiving a completed loan application ) and estimates before signing our contract XX/XX/XXXX. We were not given any initial disclosure packet containing a loan estimate until XX/XX/2022. So we tried to do the math ourselves and kept saying, well if we are approved we must be able to afford the house. Signed the contract. Months later we finally hear from the lender and the market has drastically changed since starting the process and the monthly payment we are told is something I would have never signed for. Add in that our income is based off the changing market and we can barely make our current bills because having a commission based income in the mortgage industry is basically making nothing now. We know we can not afford this home based on todays number and have attempted to contact the lender and Seller to advise if this, however they have stated that we HAVE to use their approved lender as they issued an approval. We want out of the contract now and want our earnest money back, as no lender would issue a prequalified letter of the information now. The lending process would dictate that our documents are expired as well so there is no reason they should not be requesting new documentation anyways. It should not be a fight. It should not be still us being told we are approved and should follow through with the home. Our income in the past months reflect maybe {$5000.00} a month. You can not honestly tell me I can afford a home that has an estimated monthly payment of {$3600.00} ( and probably still increasing with the interest rates ) and that it is in my best interest to stay with the contract. This is also only taking into account the mortgage payment, not all of our debts. Our Debt-To-Income ratio is not within lending guideline. It is a sad and expensive lesson we have learned in the process. Please do your homework and trust your own gut before signing a contract with no one on your side. Its business, I get that, but at some point there should be a basic understanding. We have asked the lender/Builder to consider this information and refund our earnest money but they have declined.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: BB&T CORPORATION
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
MY ISSUE IS WITH REGIONAL ACCEPTANCE CORPORATION ( RAC ) BASED IN XXXX NC. THIS IS AN AUTO LOAN BUSINESS. I DONT HAVE ANY CONTRACT OR AGREEMENT WITH THIS COMPANY. I MADE A CAR PAYMENT FOR A FAMILY FIREND AND ( RAC ) KEPT MY DEBIT CARD INFO AND TOOK OUT MONEY AGAIN A FEW WEEKS LATER WITHOUT MY AUTHORIZATION OR KNOWLEDGE. I HAVE CALLED THEM SEVERAL TIMES AND THEIR CUSTOMER SERVICE HAS TOLD ME SORRY CANT DO NOTHING FOR YOU. 

DATE OF CHARGE XX/XX/2019 {$470.00} PLUS {$25.00} OVERDRAFT FEE FROM MY BANK AND NOW MY BANK ACCT IS ALMOST NEGATIVE XXXX THANKS TO ( RAC )

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 2022-02-15
Company: Experian Information Solutions Inc.
State: MI
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:
Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/2022 and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable.

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 2023-12-01
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a mobile number with XXXX XXXX for several years but rarely used it. Early this year I tried to close it by doing each of the following ( sometimes multiple times ). Visit to store, call customer service, chat sessions with customer service. This account had never been in arrears and has been unused for most of XXXX. Not only has the account remained open, twice now, after my requests to close, it I get emails saying it has been reopened. 

Furthermore, they have continued to accrue charges and have now turned that over to collection agency. My credit rating is well over XXXX and I do not want this to impact that. Ironically, my last request was in written/ mailed format. The response I got was another collection notice and a " congratulations, we restored your line '' email. 

It almost seems that the policy at XXXX XXXX is similar to the cases where a company intentionally makes it difficult or impossible to discontinue service. 

Thank you!

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 2023-12-01
Company: TRUIST FINANCIAL CORPORATION
State: NY
Product: Credit reporting 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 am writing to dispute a hard inquiry that appears on my credit report, which I believe to be unauthorized. After reviewing my credit report, I noticed an inquiry listedunder your company 's name. I would like to bring to your attention that I did not authorize this inquiry, and I am requesting that it be promptly investigated and removed from my credit report. 

Below are the details related to the unauthorized hard inquiry : TRUIST - XX/XX/

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 2022-03-28
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:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2023-07-21
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Experian Information Solutions Inc.
State: TX
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:
Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/2022 and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable.

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 2023-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I already paid off all the amount I looking for refund of late fee XXXX XXXX because I try to pay before but the bank of America not listen to my instructions to collect the amount. 
they own me XXXXXXXX XXXX as reward but decline to give it to me back because they close my account. 
the main problem there are two methods bank of America can collect from my XXXX XXXX account one call XXXX regulars debit to my account they did this before and collect the money other electronic check not go through. 
I explain this many time to customer services bank of America every thing recorded but they not listen to me I want investigation

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 2023-12-01
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/23 I was notified by Experian that I had received requests for my credit information from XXXX different companies. The companies were XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. None of these inquiries were made with my knowledge or approval. When I contacted Experian, I instructed them to implement all the necessary protections to freeze and lock my accounts. I would hope that you would reach out to the companies involved as well as the other XXXX reporting agencies to determine what is going on. 
By the way, I have filed a police report with the XXXX, XXXX. police department. The report number is XXXX. 
Please confirm that you have received this message and advise what else I should be doing to protect myself.

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 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX, XXXX,XX/XX/XXXX TransUnion, XXXX, XXXX XXXX, XXXX credit card, XXXX, XX/XX/XXXX all continue to report on my credit bureaus I have constantly sent in numerous disputes and affidavits asking to verify and delete of accounts I've sent in a police report they have deleted the accounts and then they reappear back on to my credit bureaus I have contact these companies CFO and Underwriters to speak to about the debt that they are claiming they're trying to receive but they state that they are not the ones reporting that is the credit bureaus that continue to report. Hard inquiries continue to be inquiried, accounts reappear as if they're new accounts, negative reports of closed, under the FDCA and in GOOD FAITH asking to be deleted. I have sent in police reports I've sent in affidavits and the accounts are already closed they're reporting is damaging my. PRESENT & FUTURE I am not able to get business credit, personal credit, Loans, a Mortgage so to be a productive citizen I need revenue and without credit there's no Revenue this is detrimental to my livelihood mental stability and physical wellbeing.

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 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/2022 and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable.

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 2021-06-30
Company: Experian Information Solutions 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:
Experian sends me a report of corrected disputes. however they never correct wrong information LIKE MY NAME AND Yes my middle name XXXX but my son on my credit report demonstrates how inept these people are OR they just don't care! Now read If you believe that information belonging to another person, including a family member, may have been combined with your information, it is necessary for you to contact us by phone for assistance at XXXX XXXX XXXX XXXX. This type of situation requires special handling. If you chose this reason in error and do not believe that another person 's or family member 's information may have been combined with your information, select a different reason to continue your dispute. REALLY Select a reason I have to call?? Try to get through and what are disputes 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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is my XXXX request but no one seems to care. I want to dispute specific accounts in my credit file that do not belong to me. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : 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 2023-11-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 explanation
Consumer complaint received 2022-03-23
Company: EQUIFAX, INC.
State: NC
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:
due to negligence and falsified information being reported from consumers, I have been struggling to obtain financial assistance during the economical impact that COVID-19 has brought for thus another year. I have many unverified accounts that present invalid information. I have attempted to reach out at the least 3 times, every 30 days with no results or answers relevant to my demand of validity. I am seeking a final step before legal actions are taken upon all three credit bureaus. they have all failed to respond within 30 days. I demand Justice. The bureaus allow this terrible work ethic and don't do a good job validating correct information. So many people have been failed by the bureaus lack of care and it is time to protect our rights. I have sent both my dispute requests and a failure to comply letter to all XXXX bureaus which i will include in this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
A letter was sent to me by Wells Fargo on XX/XX/XXXX in regards to an incorrect social security number that was entered nine years ago by the banker for my son 's information on our Safe Deposit Box. The letter stated " We recently sent you communications requesting that you provide us with a completed Form W 9. As we did not receive a completed Form W 9 we will be closing your above referenced accounts ''. I called the number on the letter and the agent told me to make an appointment at the branch to correct the error. When I went to the branch the Personal Banker did every thing she could to correct the error. I had already made payment for the box and the bank cashed my check XX/XX/XXXX for the rent due on XX/XX/XXXX for the year XXXX. 
Wells Fargo would not work with my banker in resolving my account. We had no choice but to clean my box and close my account. I was told that it was final and they were going to cancel my lease agreement and access to the box XX/XX/XXXX Since then I received a call from a Escalation Representative at Wells Fargo in XXXX Or. He was to get back to me with a copy of the original letter by XX/XX/XXXX. Today XX/XX/XXXX I contacted him again to be told that an email was sent to me by another Senior Escalation Representative at Wells Fargo. I did not receive any emails from that Rep. I asked to have the email sent again. The answer was that person had to give permission to resend the email. Case # 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 2023-12-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief