BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
1- My name, current address, current employer, are inaccurate and inconsistent on my credit report.

2- XXXX XXXX XXXX account is showing inaccurate information ( late payment, Balance, date open. More importantly, that company and the credit bureaus failed to obtain my consent to share my information.

3- As shown on the document attached, only one phone number belongs to me, 4- The XXXX XXXX XXXX added a collection to my credit report without any prior communication with me, failed to validate the debt and to provide any documentation substantiating the same.

5- The Bankruptcy on my account is not mine. It shows different account number and date for each bureaus. Both Bureaus failed to provide me with the source of their information and to verify the same.

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 2023-08-10
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-28
Company: Experian Information Solutions Inc.
State: WI
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 a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.

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 2019-09-07
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I found a collection record on my credit report. It was reported by 'SOUTHWEST CREDIT SYSTEM ', and the Balance is {$56.00}. The Original Creditor is 'XXXX XXXX XXXX XXXX XXXX  '.

However, I don't know 'XXXX XXXX XXXX XXXX XXXX ' at all, and I never had any relationship with 'XXXX XXXX XXXX XXXX XXXX  '. I have never lived in California. How can I have a relationship with an automobile club from California?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
Subject : Discrepancies in Loan Documentation Provided by SLS Specialized Loan Servicing, I am writing to bring to your attention certain discrepancies in the loan documentation related to the contract. As per your correspondence you stated : Terms of the Loan On XX/XX/XXXX you signed a {$100000.00} Note secured by a Security Deed. Copies of these documents are enclosed for your review. 
On XX/XX/XXXX, your prior servicer XXXX advised of the XX/XX/XXXX transfer of servicing to SLS, and on XX/XX/XXXX SLS sent its corresponding Notice of Servicing transfer. 
SLS has applied payments as prescribed in the loan origination documents. 

Statement of Facts : The Security Deed provided by SLS does not match the original Security Deed obtained from the loan originator : XXXX XXXX XXXX ( XXXX XXXX  XXXX XXXX, XXXX, GA XXXX ), and the XXXX XXXX XXXX XXXX XXXX XXXX. ( Please refer to the attached Original Security Deed. ) Specifically, the loan number on the XXXX Deed is : XXXX, while the loan number on the Notice of Mortgage Servicing Transfer is : 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 2019-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 disputed the Bankruptcy with Transnion and XXXX due to it showing on my credit report and they still refuse to remove. I went to the Bankruptcy court here in XXXX to inquire like I was informed from these company. The clerk provided a letter that they don't verify with credit bureaus or third parties and also I have attached a copy with this case from the courts. So if these companies are reporting this false information and the courts advised that they don't provide any information to credit agencies then how did they receive this inaccurate incorrect information. Per reading over the report it stated I filed jointly per the credit report, with whom. it doesn't list the person name and it coule be someone with a simiar name. Also the courts verified that the information on my drivers license and mail that I provide to them doesn't match anything in there systems. I have sent this information to both credit bureau and they refuse to remove it. I have no accts on my credit report showing under Bk, that would be the whole purpose of filing BK is to include debt, in which I don't have any unpaid debts. Also they never sent me the original court papers that I signed and I have requested it from Transunion and XXXX several times.

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 2023-05-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I had a car loan bank account and credit card through Wells Fargo and I was charged outrageous fees and interest rates and was not credited when car was paid off along with the gap insurance it still had interest on it.

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 2018-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have WRITTEN TRANSUNION on 2 occassions asking them to remove the EXTENDED FRAUD ALERT, they told me to submit the request in writing and I did. And the FRAUD ALERT is still there. I DON'T NEED the fraud alert because I can LOCK my credit reports with the touch of a button.

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 2023-10-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Southwest Credit Systems, L.P.
State: SD
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
On XX/XX/23 Southwest Credit Systems emailed a XXXX bill to an email that was not mine. Luckily, I do know the person that it was incorrectly sent to and they forwarded this on. I feel that this a huge privacy breach. When I spoke to a supervisor at Southwest, she told me there was no way to see how they received the incorrect email address ( whether it originally came from the forwarding company or not ). She updated the information in her system but, as far as I know, that is the only action that was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: MoneyLion Inc.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I use MoneyLion ( a XXXX phone app ) for a checking account and have been a customer for a little over 3 years. I used a credit rebuilding program with them as well as a product called XXXX which acts as a pay day advance for a fee. I lost my job 6 months ago and have had XXXX income. I just got a new job and upon receiving my first paycheck deposited into my account MoneyLion took the entire balance to pay a previous XXXX balance. I did not authorize any such transaction and the biggest issue here is the bank WILL NOT work with in any way. I am a XXXX XXXX XXXX so I use my own money to do my job, this issue happening with me being right at the start of my probation period could cause me to lose my job. Again the problem here is the bank being unwilling to work with me in any regard. I have made payments when I could to this XXXX  balance over the 6 months and have told them I am 100 % willing to resolve this outstanding balance/ have attempted to set up a repayment schedule. The bank has told me there is nothing they can do and will not work with me at all. This outstanding balance is also on my credit report making it harder for me to seek funds elsewhere. My other banks have been working with me during these 6 months. These banking policies have become absolutely ridiculous and when things like this happen the consumer has nowhere to go these banks take advantage of this. In this cause if I lose my new job over this I am curious to know if this party is responsible and if so what could be done.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
Amended Complaint XXXX ( Wrong Security Deed was submitted for evidence, Disregard Complaint XXXX ) Subject : Discrepancies in Loan Documentation Specialized Loan Servicing I am writing to bring to your attention certain discrepancies in the loan documentation related to the contract. As per your correspondence you stated : Terms of the Loan On XX/XX/XXXX you signed a {$100000.00} Note secured by a Security Deed. Copies of these documents are enclosed for your review. 
On XX/XX/XXXX, your prior servicer XXXX advised of the XX/XX/XXXX transfer of servicing to SLS, and on XX/XX/XXXX SLS sent its corresponding Notice of Servicing transfer. 
SLS has applied payments as prescribed in the loan origination documents. 

Statement of Facts : The Security Deed provided by SLS does not match the original Security Deed obtained from the XXXX XXXX Clerk of Superior Court. ( Please refer to the attached Original Security Deed. ) Specifically, the loan number on the Security Deed is : XXXX, while the loan number on the Notice of Mortgage Servicing Transfer is : 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 2023-08-10
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 explanation
Consumer complaint received 2022-12-26
Company: EQUIFAX, 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 information incorrect

Complaint:
CFPB Write up In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: Atlanticus Services Corporation
State: IN
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:
I never applied nor received any products or services from this company yet they are on my credit report. I have called and spoke with them multiple times and was told someone would be reaching out to me. They have never called. It takes forever to get through to someone because I have no account information to navigate through the system. Once I do talk to someone and tell them they can not find where I have spoken to them before. I do this every month yet nothing. I did file with the Federal Trade Commission in 2020 due to my Identity being stolen and have had a couple things effect my credit situation. I don't know if this is because of that or not. Regardless along with this deragatory mark on my credit it is keeping me from getting a fair interest rate on a car and also not allowing me to use my one time Veteran Home Loan. I need them to delete this. If not I want to know whom to put on court paperwork in order to Compel them to show me the information they have in which why this account is in my name at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI
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:
I Lost my debit card and was charged a overdraft fee but I didnt use the account so I never noticed it was closed or used as I didnt keep much money in that account. Well it was closed and sent to Chex systems saying I owe. I paid in full with the acknowledgment it would be deleted from c hex systems once paid in full. so not only is it not my account I also paid the account and its still showing up which is hindering me from opening a new bank account.

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 2023-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Issue : Im a former Capital One customer who thought I held a high-interest account, but was tricked just like outlined in these articles. Capital One maintains deceptive and predatory practices. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX though Capital One no longer grants me access to my former account statements to review exact dates. 

Amounts : between ~ $ XXXX of lost interest in my accounts Action taken : contacted the company several times, and was told they would not rectify the situation. 

Additional narrative : I'm writing to share my experience leaving Capital One as a longtime customer earlier this year. After investigating discrepancies in my expected vs. actual interest being paid into my 'high interest savings account ', I was informed by a customer service representative that I had in fact been 'grandfathered ' into a legacy rate ( unavailable to any consumer, and certainly not advertised on the Capital One website, which only advertised their High Interest Savings account ) of XXXX % vs. the stated 4.15 %. My account was listed as High Interest Savings, but I was clearly not being paid the market rate. When contacting Capital One, the customer service rep suggested opening a new account to access the expected market rate, but was unable to rectify the years of unpaid interest due to my incorrect account classification. Neither was the supervisor whom I escalated to as a next step, nor the Executive Escalations team after writing the CEO on XX/XX/XXXX. As such, I told them I had completely lost trust in Capital One and closed all accounts. 

I had been a legacy ING Direct customer since XXXX, and was happy to join the Capital One family. Not until years later did I realize Capital One was not paying what would have amounted to thousands of dollars in interest because of my legacy account status. Nor were they willing to make the account whole by correcting past interest. I have since shared my extremely negative impression of Capital One with family/friends since this discovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Experian Information Solutions Inc.
State: PA
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:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score

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