BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-11
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:
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX # XXXX, Account name : XXXX, XXXX # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that ARE NOT reported correctly. 

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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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. 

secondarily- they are not even in the slightest compliant with metro XXXX credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
So back in XXXX of 2022 we were coming out of forbearance. Upon getting everything ready to restart payments we were offered 2 options. Option 1 was an increase in our interest rate ( 6 % ) and our payments would move up {$300.00}. The second option was to keep our interest rate the same ( 2.25 % ) and resume our normal payments which were {$300.00} lower. I declined option 1 because it didn't make sense to choose over the second option. The Representative at Freedom Mortgage let me know option 1 was declined and that they would be rushing option 2 's paperwork out to us. Once we received the paperwork, we contacted a mobile notary and had the paperwork signed. About a week later I received a second packet in the mail. I called Freedom Morgage right away to make sure I hadn't made a mistake. The representative assured me that the 2nd packet that was sent to me was the same packet as the first one and assured me of the agreed interest rate and payment. Come XXXX I went to log into my account to pay my mortgage and noticed I was a month behind, and my interest rate was at 6 %. Freedom Mortgage told me that a mistake had occurred on their end by sending me the wrong paperwork and they would escalate the situation. I continued to check up on this for around 4-5weeks. Eventually a manager told me to fill out the old 2.25 interest rate paperwork and they would try and have underwriting adjust the start date ( since it had passed ) Underwriting then told them they can't do that and that they would need to send me new paperwork out. So, they went to re-do the paperwork, a few weeks later, they called me to tell me I was approved again, for a 6 % interest rate. We are now back in escalations with Freedom Mortgage and have been told its going to be very hard to turn around. I do have a litigation attorney on standby.

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 2021-09-21
Company: EQUIFAX, INC.
State: PA
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 put a credit freeze and fraud alert on my account with Equifax a couple years ago. 

When I applied for credit a year or two ago, I needed to remove the freeze and fraud alert. So I snail mailed then the required information. But it was never lifted. 

Equifax never fixed the problem a couple years ago. I didn't follow up on it back then because the banks I was using used other credit reporting companies. But now I see that it is a problem, because XXXX uses Equifax. 

Today I applied to open a bank account at XXXX XXXX, but was turned down because of the freeze and fraud alert. So I went online to unlock the freeze. But there is still a fraud alert, so I couldn't open the account. 

I tried to phone Equifax XXXX, but the voice ID doesn't work, and the hold time is interminable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: Experian Information Solutions 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:
Im reaching out because I decided to look at my credit because I wanted to start the process of getting a home and I see some student loans on there that are not mine. I dont understand how this Is even possible being that I didnt even graduate high school so I dont know some student loans could be on my credit. I filed a complaint with the FTC like my friend advised me to and I contacted the police here. Im doing this on my own and need some help. The student loans are US Dep Ed, Dept of Ed/XXXX, DPT ED/XXXX and 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 2019-06-13
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: Information belongs to someone else

Complaint:
Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so. Delete XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : TEXAS XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX XXXX ( Original Creditor : TEXAS XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : TEXAS 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 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
as of XX/XX/XXXX i have noticed fraudelent accounts and inquiries on my credit report and consumer reports 15 U.S. code 1681c-2 a consumer reporting agency shall block the reporting of my information in this file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the receipt. 
I WANT TO DISPUTE THE 30 DAY LATE PAYMENT this account was paid in full Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Individual Individual Individual Account Status : Closed Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$7000.00} {$7000.00} {$7000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Late 30 Days Current Late 30 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Closed - Closed or paid account/zero balance Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/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 2021-07-30
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/2021, I received a notice from Santander Consumer agency regarding a pending repossession.

I have attempted to reconcile this debt within their Co-vid 19 protections but it has been to no avail. 

These are the key points of my response. 

-Santander has violated the law per 15 US Code 1635 by not disclosing my right to rescind this transaction. Also, by using my credit report to coerce payment and as such you have violated FDCPA 806 harassment and abuse. The representation or implication that nonpayment of any debt will result in the seizure or garnishment of any property or wages is unlawful for any creditor or debt collector.

-Furthermore, upon purchase of the vehicle I was given a credit application not a loan application.

-There should be no cash involved in a consumer transaction. This lending company has been charging me monthly payments and interest rates ( finance charges ), all of which need to be returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received information regarding a debt that is being claimed against me. 

HELVEY AND ASSOCIATES Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify this debt I need you to provide the following : - THE ORIGINAL SIGNED CONTRACT BETWEEN ME AND THE ORIGINAL CREDITOR - FULL PAYMENT HISTORY OF THE ACCOUNT. 

- PROOF THAT YOU OWN OR HAS BEEN ASSIGNED OR HAVE AUTHORITIES TO COLLECT THIS DEBT. 

- LICENSE THAT SHOWS YOU CAN COLLECT IN NORTH CAROLINA. 

After receiving such information I will review and respond within the 30-day period allotted to me under federal law. 

If it is found that there is no evidence of this debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agency. 

Furthermore, Under 15 U.S. Code 1692c I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. I am aware of the request for payment by your company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties. 

I appreciate your efforts in this matter and look forward to your response. 

Regards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My checking account with Wells Fargo was debited {$410.00} on XX/XX/XXXX. I contacted Wells Fargo to issue a credit because the automatic payment method was cancelled with the merchant and I chose to pay the merchant directly for the services. Wells Fargo issued a claim for the amount and provided a provisional credit while the matter was being investigated by their claims team. The provisional credit was later reversed on XX/XX/XXXX which caused the checking account to fall into a negative balance. The bank issued additional fees for insufficient funds which were directly related to the credit reversal. I contacted Wells Fargo to inquire about the reversal and the banker informed me that the reversal was justified because documentation was not provided within 48 hours of the request. The banker had no inform about Wells Fargos and the attempts to contact me in a method other than US Mail due to the urgency of the matter. On XX/XX/XXXX, I submitted a written complaint with Wells Fargo and then contacting the merchant myself, we were able to provide written documentation of the cancellation that took place with the merchant on XX/XX/XXXX. Since then, Wells Fargo has not issued the credit of {$410.00} or the unjustified associated banking fees. After many attempts to resolve the matter amicably, Wells Fargo has displayed a non-responsive and irresponsible approach to a small error. This circumstance is now causing emotional and financial distress as my relationship with the financial institution no longer holds value or integrity for its consumer.

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 2022-03-09
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I already have a complaint in for LoanCare Services Mortgage company, but I need to put this complaint in because this company is just a nightmare to deal with. This mortgage company does not work with you or tell you things about your mortgage that you need to know. It also holds your mortgage hostage, what I mean by that is if you go into foreclosure or they want to start the process they send your mortgage to their lawyer and once that happens LoanCare Services no longer will give you information, even when the company says they are. Prime example, I had to sell my home because of the difficulties this company has provided to myself and my ex-husband, and so with selling on my home so I can pay off the mortgage LoanCare Services has on it I was not able nor was my realtor able to get a payoff of the current mortgage owed. Several request were place with LoanCare services to provide this information so they would be paid, but they refused to give it to myself, my ex-husband or the realtor. It was a circle with them, the company said we will give you the payoff we have to request it, days go by and nothing, but when you call them they don't tell you they aren't going to give you the payoff LoanCare Services just closes the request without telling the client and goes about their business. This was costing me the sale of my home, which I wouldn't of had to do if they would of helped me and honored that I didn't need my ex-husband to sign on the modification to help lower the mortgage. Also since not paying it, the escrow was never short, which was amazing to me that when I was paying it my escrow was always short..ALWAYS, but when LoanCare had to paXXXX my taxes on my behalf it was never short. AMAZING. With my mortgage being a federal government backing you would think LoanCare Services would be held accountable for their actions. This has cost me fees, time and mental anguish along with problems with my ex spouse and my children for loosing their childhood home because I couldn't fight this big Mortgage company or hire an attorney to fight for me. I contacted two lawyers and one was actually fighting LoanCare services for a client similar to my situation, with my ex-husband off the mortgage so I can do what needed to be done without involving him and that client also behind on mortgage payments fighting with LoanCare Services. There should be more ways for clients to help fight mortgage companies like LoanCare Services. Anyone that talks to me about this company I will tell them to contact Consumer Financial Protection because this company should be held accountable. All the pain that this company has caused my family should be addressed and compensated but because I am just a single mom it won't be address and I will be shooed away like a fly.

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 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help

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 2023-01-07
Company: Affirm Holdings, Inc
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I applied for a loan to the company, a farm for a ring and was the denied because the company said they couldnt identify me when I submit it not only my Social Security number but also my state ID the loan was for {$980.00} the company sent me a denial letter with only information to contact the credit bureaus which they said had no information on me, but posted on the denial letter that my credit score was XXXX which makes me a qualified borrower this took place on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Experian Information Solutions Inc.
State: OH
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:
Error in reporting Bankruptcy without consent and proper debt validation. Also addresses are listed without consent.

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 2023-01-07
Company: WELLS FARGO & COMPANY
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was informed of the judgements/debt while trying to purchase a home this year. I was not aware that these judgements existed. The debt is not on any of my credit reports. I was never served any documents on any of these judgements. The debt is dated for 2014, which is over 7 years old.

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 2021-08-01
Company: SYNCHRONY FINANCIAL
State: CA
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:
I applied for a XXXX XXXX card when buying a plane ticket, the ticket price was not applied to the card. When i received the card, the plane ticket had already been cancelled and refunded. I did not activate the card. Later i received a notice about fees and past due account. I called. They said would be fixed and dont worry about it. I continued to receive past due notices. I have called them now 5 times, each time being told, don't worry, disregard, etc. Nevertheless they continue to send me past due notices so evidently it is not fixed. Leaves me no choice.

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 2020-06-17
Company: Experian Information Solutions Inc.
State: IL
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:
companies reporting inaccurate information on my credit 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 explanation