BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-23
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 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 719XXXX 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 XXXX 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 XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX 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 explanation
Consumer complaint received 2023-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I pulled my consumer reports and I noticed that there was a 30 day late payment on an account that was paid in full and closed and was never late for consumer reporting agencies have assumed a critical position and have a responsibility to report consumer information to the best of their ability with maximum accuracy I have never been late on payments for this account ( XXXX XXXX ) please investigate and provide proof with statements showing this payment was late if proof cant be provided I demand this payment be updated as on time paid in full and account closed and reflect as NEVER late thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-25
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 medical debit that is not mine.this debit was paid off by the hospital back in 2015 .i will not pay for a debit that 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 2021-06-04
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Ford is reporting erroneously on my credit and it must be fixed. I recently noticed that ford is reporting an account I have with them saying I am making a $ 400+ payment to them every month. This is wildly inaccurate as I am no longer making any payments with Ford. They sent my account to collections and I have been paying them about {$150.00} a month. However, Ford continues to report this debt as if I make monthly payments to them and this is really affecting my debt to income ratio to be able to buy a home. This is completely untrue and invalid. Unless they can validate that I make $ 400+ payments this needs to be removed. Reporting invalidated debt is a violation under the FCRA and the FDCPA and if not fixed, this can constitute fraud under both federal and state laws. This needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2019-07-31
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wednesday, XX/XX/2019 Nationstar Mortgage LLC, d/b/a Mr. Cooper. 

Request for Information, 3rd effort Dear Mr. Cooper, The Consumer Financial Protection Bureau ( CFPB ) has noted, in its Official Interpretations of this provision, that a QWR is not required to include both types of requests. For example, a qualified written request may request information relating to the servicing of a mortgage loan but not assert that an error relating to the servicing of a loan has occurred. See 12 C.F.R. Part 1024, Supp. I, 1024.31.

1. I have asked for your Corporate Policy regarding Fraudulent Loan Documentation on the phone with XXXX XXXX, several times and on several dates, and in writing too - but without any mention of this in any of your replies. 

Please provide me with your policy or deny that you have one. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I Have No Knowledge of this account and it does not belong to me XXXX XXXX Account Number XXXX Account Type Installment Loan Terms M Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Pays account as agreed Status Updated XX/XX/XXXX Balance {$1000.00} Balance Updated - Credit Limit {$1000.00} Past Due Amount - High Balance {$1000.00} Monthly Payment {$71.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, TX XXXX Ownership Authorized User Original Creditor - Company Sold-to - Original Amount - Comments -

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 2023-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 tried getting ahold of all three credit companies, and I've gotten nothing back. The fraud alert should have been taken off a long time ago. It's to the point where literally no one can verify my identity online at all. And there is things on my credit report that I have disputed multiple times and nothing has been taken care of.

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 2022-05-23
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 information incorrect

Complaint:
My mortgage servicer, XXXX XXXX, is reporting a higher unpaid balance that what it owed. I disputed this with them at the start of the year and it was corrected and now it has happened again. My unpaid principal balance as of XX/XX/2022 is/was {$130000.00}. They reported for XXXX {$130000.00}. They are stating that they have to report past due interest, fees, and escrow. Until recently, they have never reported anything but the actual balance. This is effecting both my wife and my credit.

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 2018-09-13
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Dear CFPB, I'm writing for you for URGENT assistance to correct some information on my credit file which is hindering me from gaining employment, getting financed for housing, and life necessities. 

PLEASE VERIFY THEY HAVE MY CORRECT CONTACT/ADDRESS INFORMATION. 

Experian is reporting unknown inquiry information from dates XX/XX/2018 - XX/XX/2018 that I didn't legally authorize. They're illegally allowing companies to run my credit without approval. 

This information is negatively affecting my credit score, and I would like it removed ASAP.

Please assist me in getting these items removed from my report so I can no longer be prohibited by the negative information which is impacting my livelihood.

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 2023-04-15
Company: Titanium Funds
State: UT
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/2023 I received a car from them. 
Other than the fact that they prey on people in tough situations with absurd APRs, overpricing their vehicles ( XXXX for a vehicle valued at XXXX ), they're also thieves and frauds. They took the car back before I even had a chance to make my payment because " my paystubs were fake ''. When I offered him to come talk to my employer directly for proof, suddenly my XXXX wasn't interested. I called to see when I can retrieve my tools out of the car ( worth around XXXX dollars ), was told I can come in Friday after work. 

I went in, XXXX said " the shop is closed and I can't get them, but I should be able to get them on Monday. '' I wasn't able to come before Tuesday, and suddenly their place was " broken into '' and no Tools of mine were found anywhere. Funny how that works. 
When I asked for camera footage for a police report XXXX said " they have no cameras ''. A dealership with XXXX  of XXXX  of dollars in cars doesn't have any surveillance? yeah right. 

I spoke to a few other employees and none of them were aware of any break ins somehow. 

I have attempted several times to pick up my tools and have good reason to believe I am being lied to and my tools were stolen by someone at the dealership. Its also possible they sold the vehicle to someone else without looking ( several of their vehicles we looked at had belongings, including the addresses of previous owners ) and needed an excuse to come up with why my tools are gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Synchrony bank lowered my credit limit for my XXXXXXXX XXXX XXXX card. 
I believe this is unfair as it hurts my credit by causing the account to have a higher usage ratio compared to my credit report from XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Ive just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. These have been rough times during this pandemic and ive been trying to keep up with my personal matters

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 2019-10-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo removed and withheld at least 11 months of what was originally intended and agreed to be prepaid monthly interest and principle taken by automatic payment from my bank account. The monies were applied toward advance monthly payments contrary to the intention to pay down the mortgage principle and interest. 
The monies applied to advance payment were based on a bimonthly increase above the regular XXXX. This bi-weekly payment was an increase of XXXX each bi-weekly payment. 

Due to the calendar variation, there were some months three bi-weekly payments were made in one month. 

I discovered this on XXXX when I received a letter from WF advising that my automatic payments can only pay your account ahead by one payment. I was confused and telephoned that day and was on the phone for about three hours. In that time three times the telephone call dropped and I thought it was my telephone service. Three agents advised me that my account was prepaid 11 months but also all three assured me that the principle had been paid. Each time I insisted that it was not possible that my money could show in both ledgers. Each time I advised that I never authorized advance payment of my mortgage. Each time I was told to hold on. As I listened to music, each time, the phone call dropped, hence three agents before reaching a supervisor, XXXX and finally, XXXX from the executive office. XXXX informed me that advance payments of three months could be applied and that anything in excess of that is returned to Wells Fargo investors. Both identified 11 months advance payments. XXXX agreed to open a dispute. She advised that I would receive a call on XXXX and provided number XXXX as a reference dispute number. 

I have not yet heard from their office.

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 2023-04-16
Company: Aldous & Associates, PLLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit report on XXXX and was shocked to find Aldous and Associates had sent a supposedly unpaid debt to my credit file unbeknownst to me. Aldous never contacted me in any fashion about the debt, and had simply sent this debt to the credit bureaus, which reduced my credit score terribly. I reported this to XXXX but they did nothing except add a statement that the debt is not known to me. Because Aldous never contacted me, I never had a chance to respond to Aldous or to get them to remove this debt from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX  XXXX # 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 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 2022-05-23
Company: CURO Intermediate Holdings
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
This was a loan scam where the person was impersonating an representative from Speedy Cash. A loan company that I have never submitted an application too. I mistakenly gave out my account info and login info to my account. I received an online bank deposit and was told to go to XXXX or XXXX to get gift cards. If i did not get the gifts cards I was told that I would lose my job and that a police report would be filed against me. 

XX/XX/XXXX gave out my account info XXXX received an electronic check deposit that was not authorized for XXXX. 

XX/XX/XXXX was told to put all of that money on XXXX gift cards or I was going to jail, going to lose my job or have a police report filed against me. 

XX/XX/XXXX immediately changed account password XX/XX/XXXX spoke to XXXX XXXX XXXX to submit a claim

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
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:
WAKEFIELD AND ASSOCIATES Reported : XX/XX/XXXX {$1100.00} WAKEFIELD AND ASSOCIATES Reported : XX/XX/XXXX {$1200.00} WAKEFIELD AND ASSOCIATES Reported : XX/XX/XXXX {$1200.00} WAKEFIELD AND ASSOCIATES Reported : XX/XX/XXXX {$1200.00} WAKEFIELD AND ASSOCIATES Reported : XX/XX/XXXX {$1100.00} WAKEFIELD AND ASSOCIATES Reported : XX/XX/XXXX{$1100.00} WAKEFIELD AND ASSOCIATES Reported : XX/XX/XXXX{$1100.00} WAKEFIELD AND ASSOCIATES Reported : XX/XX/XXXX {$1100.00} XXXX XXXX XXXX Reported :XX/XX/XXXX {$1100.00} There are no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be reported incorrectlythis is unlawfulDebts can not be collected twice Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Bright Capital Inc
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The company called Bright money, which is a fintech company that helps management of personal finances and reduces debt company. Had been filing late payments to my credit report after Ive closed my account and or memberships in advance. Ive tried contacting this business via phone but I keep getting redirected to text chat option to fix the issue. They have closed my account but after requesting this three different times they were charging me late fees, miss payments which they have reported to the credit bureaus which has no resulted in five late payments on my credit report. I want my late payments removed due to the fact I was told through text chat my account and or membership has been closed.

Company response to consumer: Closed with explanation