BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-25
Company: EQUIFAX, INC.
State: NY
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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: WELLS FARGO & COMPANY
State: CA
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: Problem with personal statement of dispute

Complaint:
OnXX/XX/XXXX I called Wells Fargo to get assistance for my XX/XX/XXXX payment for my mortgage loan. I spoke to XXXX XXXX a Home Preservation Specialist with Wells Fargo. I told her my payment was due and that I was out of work for a month due to a XXXX XXXX XXXX.

XXXX XXXX   then said she for sure was able to assist me gave me two different options and one of the options was to commit to a payment arrangement. The payment arrangement consists of splitting the month of XX/XX/XXXXregular payment of {$1600.00} in two payments. First payment in a half of {$2500.00} would be paid on XX/XX/XXXX and the second payment would be paid on XX/XX/XXXXfor the same amount of {$2500.00}. I asked the representative if this would affect my credit and she replied no because they would help me get on track. I felt in great relief with the assistance.

My daughter XXXX XXXX is the cosigners to the loan. My daughter is a XXXX XXXX for the City of XXXX  CA. In the month XX/XX/XXXXI received a call from my daughter the cosigner of the loan told me how upset she was feeling and asking me why I was late for three months on the mortgage payment she stated her credit score dropped about 80 points. At this point her credit was ruined her and possibly not able to purchase another home for her family since she is soon to get married.

I have contacted Wells Fargo several times and have gotten the run around. I spoke to a representative and she was rude just continued to say I was late and would not listen to my concerns and facts. On XX/XX/XXXX I contacted the XXXX XXXX in the external department and asked him to please pull the calls and prove that XXXX XXXX gave me false and misleading information about credit reporting. Wells Fargo has proof of payment plan letter and payments made to them on time per the payment arrangement letter from wells Fargo. I have also contacted XXXX  and XXXX and downloaded proof of the payment arrangement from Wells Fargo and a copy of my bank statement from XXXX XXXX XXXX showing proof that it had been paid on time.

My daughter and my financial future are in Jeopardy. We are not at peace and all we did is trust our mortgage lender.

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 2022-10-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: REGIONS FINANCIAL CORPORATION
State: AL
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: Problem with personal statement of dispute

Complaint:
I applied at Region 's bank in XXXX, Alabama for a line of credit. My credit score at that time according to XXXX was XXXX, my credit score on Experian was/is XXXX. 

Region 's Bank denied the loan based on a false credit score of XXXX. I have never had a credit score of XXXX. I have gone to the bank and tried to find out what the problem is. First I was told that I must be mistaken, then I was told that the underwriter said that it was our problem. The branch Manager XXXX XXXX, has not been able to answer my questions. I was told by XXXX this past Friday evening that he would talk to his boss about this. Since that time I have heard nothing from Regions. I believe this is defamation of character and falsification of records. I can not have the same credit score I had because it has taken a hit from Region 's. My credit score is devalued. Please look into this.

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: Experian Information Solutions Inc.
State: MO
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:
XXXX is in violation of The XXXX XXXX that requires financial institutions or companies that offer consumers financial products or services like loans, financial or investment advice, or insurance, need to explain their information-sharing practices to their customers and to safeguard sensitive nonpublic information data. XXXX committed identity theft as I did not receive on OPT OUT notice before submitting my nonpublic personal information to a third-party affiliate Experian. XXXX had a responsibility to provide a clear and conspicuous disclosure to me in writing or in electronic form or other form permitted by the Fair Credit Reporting Act.

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 2022-07-07
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX XXXX 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 2018-05-08
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
XXXX/XXXX/EQUIFAX please see attached documents received from XXXX XXXX in response to the complaint I filed against them through the CFPBs website after they responded to the disputes I filed with each of you respectively that they had validated the ( fraudulent ) account as valid when they had not as well as the complaint I filed against XXXX XXXX today, regardless of their closing the account, because they claimed again that they had validated the debt by receipt of nothing more than a billing statement from the company who allowed the fraudulent accounts to be opened. XXXX/XXXX/EQUIFAX this is now the third time I have disputed these accounts with XXXX XXXX as fraud and have ended up spending months going through the steps to have the fraudulent accounts removed from the my credit reports. First time I disputed the account, I think, was in XX/XX/XXXX or XX/XX/XXXX when I learned about the first fraudulent account that was opened in XX/XX/XXXX or XX/XX/XXXX ; and again in XX/XX/XXXX or XX/XX/XXXX when the second fraudulent account was opened which XXXX XXXX has combined into one account and continue to sell off the fraudulent account to collection agencies and now 2 years later has sold it to another collection agency, XXXX XXXX. XXXX/XXXX/EQUIFAX, I respectively request, that hereafter, per the FCRA and FDCPA, that you prohibit/block any company from putting this fraudulent account on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Westlake Services, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I paid off this debt on XX/XX/XXXX. Previous to this, they were calling all hours of the night and day ( after XXXX. ) They provided no receipt, nor confirmation of payment. When I called asking for proof of payment they were incredibly rude with me. I then requested a letter stating the debt had been paid. I was told to wait 10 business days, I did. I then called asking for the letter, I was told I'd receive in 1 - 2 days. I never received the letter or receipt. I've now called every day for the past few days. They say they'll send the documentation but they don't. They are rude and nasty with me on the phone. One accused me to using profanity ( I didn't ) then hung up on me. I need this letter, or even some sort of proof of payment in order to get financial aid for my schooling. I've made it clear how important it is. They keep hanging up on me, or tell me they'll send by the end of the day then never do. I get similar responses to emails, stating " someone will send you the letter '' then never do.

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 2019-07-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
my name is XXXX im want to file a lawsuit to chase bank for emotional distress because i just got my check from work and went to deposit it and it was loading for about 10 min like the check was still processing and its been like 15 min and still loading and im like this isnt right so i go inside talk to an employee telling them that that atm ate my check and went bqck outside and the machine printed out a receipt saying that machine isnt working so i was talking to the employee and he said that it have to wait a couple days like 10 for credit for XXXX $ and i dont need credit for XXXX i need my check or my cash back cause i have payments to make and i had several mental breakdowns cause of thay because i have debt to pay off in 4 days and i cant wait 10days for that XXXX so yeah

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-31
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:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi I am submitting this 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 XXXX 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 XXXX 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 XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX 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 2020-07-30
Company: Bliksum, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On the XXXX of XXXX I Revoked my permission to deduct payments from my bank account and requested that all EFTs and debits be stopped from my bank account and I provided all required information in my request per my loan agreement. I then received an email a couple of days later after going back and forth with them ( because I know my rights ) and they stated that my request has been completed. All of a sudden, a payment was deducted from my already negative bank account today without My permission. I expect my loan and the unauthorized payment to be returned and my loan to be canceled as they have violated the terms of our loan agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent my identity theft reports via certified mail ( tracking # : XXXX XXXX XXXX XXXX XXXX XXXX ) to XXXX and Experian ( tracking # : XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/2022. They received the identity theft reports and didn't do anything about it, nor did they respond within 30 days. The fraudulent accounts in question are : XXXX XXXX XXXX XXXX Fraudulent credit inquiries : XXXX XXXX XXXX XXXX My personal information is incorrect : My only name is XXXX XXXX XXXX lists my name on the credit report incorrectly as : XXXX XXXX  XXXX XXXX Experian is listing two incorrect addresses on my credit report : 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 2018-05-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
We send XXXX to a fraudulent account belong to wells fargo customer on XX/XX/XXXX. Wells fargo is not willing to give back the funds after my bank set up a request by ( recalling the money ) the same day on XX/XX/XXXX. Wells fargo wanted give my bank full responsability for the finds and my bank said they didn't did the mistake and now both banks are in dispute on who should take full responsability for those funds. I have serve wells fargo on XX/XX/XXXX waiting on respond.

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 2022-07-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing Complaint due to the fact XXXX, XXXX and Experian fail to keep proper and accurate records of my Credit reports. I have been the victim in the past of identity theft, and reported such report to the XXXX major Credit bureaus and the secondary ones like XXXX, XXXX and XXXX. To date despite me writing and requesting a RE-investigation to XXXX ; XXXX continues to send me post cards of " unacceptable proof of Address '' and various requests what appears to be delay tactics which in turn is hurting my credit scores and ability to make purchases in my correct credit rating. DUE TO THE FACT XXXX and XXXX fail to keep 100 % ACCURATE information and proof of verifiable and true reporting. To date XXXX still reports false allegations that the US Courts is a furnisher on my credit report, which is 100 % INACCURATE AND FALSE according to the Court. And UNDER the Fair Credit Reporting Act ( FCRA ) XXXX, XXXX and EXPERIAN credit reporting bureaus is VIOLATING my federally and state protected consumer rights to privacy and confidentiality under 16 USC 1681 and 15 USC 6802 ; The law clearly states a consumer reporting agency CAN NOT furnish an account WITHOUT MY WRITTEN INSTRUCTIONS.

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 2021-09-03
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Well the interest is ridiculous my loan amount jump to an extremely high amount not sure how. Tried to talk to someone they were rude and not helpful. I have over XXXX in loans and no degree because school says I ran out of money how is this even possible with no degree at the end and can't afford to take anymore classes. I'm a XXXX and there are no forms of forgiveness for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
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 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 2019-10-22
Company: CREDIT ACCEPTANCE CORPORATION
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
Your instructions to the salesman filling out your usury contract tell him to change the price of the car from what i agreed to pay ( {$4500.00} ) to some {$8500.00} that I did not agree to get a lian loan for. Again, an illegal change.

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