BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-21
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company agreed to delete debt. DEBT IS PAID IN FULL. Documents attached proves 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 2023-01-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The lender lent money intended to be used for forgivable purposes per the XXXX XXXX. The funds were used according to the note however the lender breached the contract when they failed to process and submit the forgiveness application within certain statutory deadlines. 

A year and a half later the lender claimed that they lent more than was approved even though their authorized lending official, XXXX XXXX, on behalf of the Lender, certified that the review complied with the applicable lender obligations set forth in paragraphs 3.b ( i ) - ( iii ) of the Paycheck Protection Program Rule and the Lender had obtained and reviewed the required application ( including documents demonstrating qualifying payroll amounts ) of the Applicant. 
After numbers attempts to resolve the issue on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX Wells Fargo XXXX XXXX XXXX XXXX, Ref Number XXXX and XXXX ; direct number ( XXXX ) XXXX; confirmed that On Friday XX/XX/XXXX the case was forwarded to the XXXX to be decisioned. In which during this time the loan would be deferred. 

On XX/XX/XXXX I forwarded confirmation that the appeal for Loan.had been received by the XXXX XXXX XXXX XXXX  XXXX.Borrowers/Appellants XXXX defer the payment of the PPP loan XXXX the processing of an appeal. 


On XX/XX/XXXX the Dedicated XXXX Loan Review XXXX in the XXXX XXXX XXXX, XXXX XXXX, confirmed receipt of the appeal and forwarded it to lenders XXXX department. 

Despite all efforts to communicate and resolve the issues with the lender they refused any direct communication with any decision makers or underwriters and their collections department continues to ignore the deferment and continues attempts to collect in violation of CFPB rules, and the lender is in violation of usually and predatory lending. 

The attached recent statement are in error due to conflicting balances and violate reasonable deadlines to make payments on a loan as they list due dates which fall within a week of the date the statements are received. 



Former complaints regarding this lender. 
XXXX XXXX These complaints have gone unresolved and I request that a thorough investigation be made.

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 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I am writing to express my dissatisfaction with XXXX XXXX XXXX XXXX handling of my car loan. I had a car loan with your institution, and unfortunately, the car was sold, leaving a remaining balance of {$2200.00} and a repossession on my credit. 

I had an extra gap insurance policy with XXXX XXXX XXXX XXXX to cover any extra expenses in case of car damages or repossessions up to no more than 150 % loan remaining balance. However, despite having this insurance policy, I was still left with a significant balance and repossession on my credit. 

Furthermore, I have discovered that changes were made to my account without my authorization. I have reason to believe that these changes were made through a document that was illegally obtained while I was incarcerated. This document does not have my signature or annulment with XXXX XXXXXXXX XXXX XXXX yet the changes were still allowed to go through. 

I have disputed this matter in a couple different ways. The situation has caused significant damage to my business funding, my living situation, my future moving situation and the funding of my daily living expenses and use of my credit line. It has been a major setback for me, and I am extremely disappointed with the way that XXXX XXXX XXXX XXXX has handled this matter. 

I have attached the relevant documents to this letter to support my claim. I believe that XXXX XXXX XXXX XXXX should have taken more care to ensure that changes to my account were made with my authorization. 

I will like to request XXXX XXXX XXXX XXXX review my case and refund the remaining balance on my credit as well as take the repossession off my credit. I also request that you investigate and unauthorized changes made to my account and take appropriate actions to prevent this from happening to other customers. 

I trust that you will take the necessary steps to resolve this matter in a timely and satisfactory Manner. 

Thank you for your attention to this matter. 

Sincerely : 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 2021-10-19
Company: RGS Financial, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have had multiple calls from a company by the name of RGS Financial ( from a number listed as ( XXXX ) which I have missed. The location indicated is XXXX, AL. No messages were left on my voicemail. 
I attempted to return the phone call at the number listed. The immediate automated voice message says that it is in attempts to collect on debt. To my knowledge, I absolutely do not have any outstanding debts to anyone for any amount. I selected the option to speak to a person. They would not use my phone number to retrieve any information without me confirming my name, which I refused to do. I called again and selected the option to use the automated payment system. The Automated payment option was able to look up my account by the phone number from which I called from, but immediately asked for a credit card number, which of course I did not provide. I called again, selecting the option to speak to a person and asked for my account number or debt owed information to which again they denied me access to unless I would provide my name. I explained that the automated system did not ask for this information and was apparently able to identify me enough in order to be able to ask for my credit card information. This is either a scam or this company has terrible business practices putting American 's financial security at risk. Something needs to be done to shut this down or force them to comply with business practices that would protect consummers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: GA
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:
Identity thief began due to a stolen wallet which now have started to see fraudulent accounts active, open, debt collection on credit report I have submitted information and request to correct and also called company to report due to lack of information/ fraudulently reporting it is now showing up on credit and reporting agency fail to correct information as requested

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Experian Information Solutions Inc.
State: IL
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 on my credit report with Experian, 43 soft inquiries, made by Experian from XX/XX/XXXX through XX/XX/XXXX, without any authorization from me. 
I did contact them today XX/XX/XXXX, at XXXX XXXX, at their phone number ( XXXX ) XXXX, and their representative told me that soft inquires do not affect my credit score.

Either way, that affects or not ( I do not know ), they do not have any authorization or reason to be making 43 inquires on my record. 
I could provide a copy of my report, where it shows all the dates of these records.

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 2021-10-19
Company: EQUIFAX, 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:
On XX/XX/2021 I sent a a letter in regards to inaccurate and unknown things on me credit report. Over 30 days later I have not received a response. Section 611 ( a ) states that failure to investigate these items within 30 days gives reasons to immediately to remove items 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 data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: Ditech Financial LLC
State: MS
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:
In XX/XX/XXXX added money to a fixed mortgage credit score dropped because of it! paymeants were XXXX was paying XXXX a month couldnt tell me were my money is that I over paid for year and a half to be ahead then in XX/XX/XXXX this year closed my account a 20 yr mortgage with no warning Im in middle of a loan that is on hold cause of virus going and was alerted that my score dropped 40points again because of same people which u cant get a hold of them sent me a statement for next month but nothing on being sold again had to reach to find who took over and now they are missed up to cause they dont have life insurance that I have paid for for 20 yrs also with the last year they have done but cost me money and hurt me financially for there mistakes!! the amount of loan the loan being closed adding money to the loan reunion my credit and takin my money on life insurance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I filed complaint # XXXX. The company responded and the case was closed. Their letter in response said my account has a XXXX balance and I am not being charged late fees and interest. Their letter is dated XX/XX/2023. On XX/XX/XXXX, the next day they charged another late fee of {$41.00} and interest of {$4.00}. They then issued a statement showing I still owe all of the past late fees and interest. They did nothing to clear up the account. As stated in the original complaint I paid my charges on time over six month ago and they cut a check mailing it back to me. I then paid it again and they cut another check sending the money back to me. I still have not cashed the second check. I've attached the resolution letter, both cfpd 's and Comenity 's, along with the statement I just received. Please note the 4th paragraph, on Comenity 's letter states " As of the date of this letter, the balance on your account is zero. This is not true, as shown in the statement dated XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2022-09-07
Company: Union Home Mortgage Corp
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied to get a loan with XXXX XXXX XXXX at the beginning of the summer XXXX She requested I give to her a picture of my id and a picture of my social security card. She also recommended that I get a new credit card because when I applied my credit did not show on their system. 

XXXX does not have a license. She hasn't worked for a bank in over a year and yet she is still doing business under her cousins name : XXXX XXXX who is an LOA at uhm. I do not understand why she asked me for my id and my social security card. Thats not how people usually apply for a loan. Her husband XXXX is also a realtor. she is abusing her power, and her husbands license to not only work with clients but abuse their personal information. I am scared they will steal my identity. 

I am only one person. You should really see how many loans does she do for XXXX speaking people who do not know better like myself. I feel like she keeps working on this because of greed.

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 2023-06-13
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: Account status incorrect

Complaint:
I am submitting this Complaint via the CFPB to formally dispute inaccurate information that have been reported on my credit file. During a recent discussion about credit files while on vacation, I became motivated to check the accuracy of my own credit report. To my surprise, I discovered several accounts containing invalid and incorrect information. I am seeking the Credit Bureaus ' assistance in investigating and rectifying these errors promptly. After reviewing my credit report from XXXX, I have identified the following discrepancies : XXXX XXXX XXXX Balance : {$0.00} - I have found that the details concerning XXXX are entirely inaccurate and have not been corrected as promised. It is essential that this false information is promptly removed from my credit report. Despite claims of late payments, I engaged consumer counseling services and entered a consolidation plan where timely payments were made on my behalf. Both the XXXX XXXX and I confirmed with XXXX that the payments were never overdue. XXXX acknowledged the errors and pledged to remove the account, but unfortunately, this has not been done. 
XXXX XXXX XXXX Balance : {$0.00} - I have discovered an error in the Credit Bureaus XXXX report concerning this account, as it contains inaccurate and invalid information that leads to false details being displayed on my credit report. Upon contacting the Credit Bureaus, I was instructed to complete an FTC form to address this issue, which I believe should be considered unlawful for it to appear on my credit report. Therefore, it is crucial that the erroneous information is promptly removed. I want to emphasize that I made payments as agreed for this account and maintained a consistently satisfactory payment history throughout its duration without any problems.

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 2023-02-11
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-21
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: Credit inquiries on your report that you don't recognize

Complaint:
This is another CFPB complaint demanding that the Equifax Credit Bureau remove these inquiries from my Credit File for erroneous and unauthorized reporting. I recently reviewed a copy of my credit report and was shocked to see that the inquiries I disputed are still being reported. It indicated that there are credit inquiries made by following credit inquiries listed below. I previously asked Equifax to have these inquiries investigated and removed for erroneous reporting, and yet Equifax have failed to properly verify these inquiries. However, these inquiries were not authorized by me. Therefore, I am submitting this CFPB Complaint to dispute these inquiries and have it removed from my credit report : XXXX XX/XX/2023 XXXX XX/XX/2023. Also, I would like to point out that these inquiries are only reporting in Equifax Credit Bureau. I strongly believe that there is an error in Equifax part and I need Equifax to rectify this error by completely removing these inquiries from my Credit File with no exemption.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-11
Company: SN SERVICING CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
There is an attorney fee/foreclosure expense fee placed on my account, the mortgage has not been in foreclosure, I asked for 12 months of statements and explanation of why this charge was assessed, since account is in good standing and current, I have not gotten a response, it has been 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: SC
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:
This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/2017 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ; XXXX XXXX XXXX XXXX Balance XXXX {$920.00} ; XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.

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 2021-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
My XX/XX/2019 account was reported late to all three credit bureaus by Capital One. However, I was never mailed statement for that month and had not consented to receive only digital statements. I informed the company of this, and they said they would not change the reporting, even though once I find out it was late, I made immediate payment. My card history on all accounts shows zero missed payments, which supports my claims. I have asked the credit bureaus to correct the error, but they simply believe Capital One without any investigation. I believe Capital One to be in violation of the cardmember agreement and federal consumer finance law by not sending me a required statement for charges incurred, but then reporting a late payment on that balance. I also believe the three credit bureaus are in violation of federal law by falsely reporting negative information even after I provided proof of the error to them.

Company response to consumer: Closed with non-monetary relief