BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information that your company, XXXX XXXX XXXX, is still reporting to my Equifax Credit Report does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

I first noticed this fraudulent activity then obtained a copy of my credit report on or around XX/XX/XXXX. I immediately contacted my attorney at the time who advised me to place a fraud alert on my report, which I did on XX/XX/XXXX. I was advised to file a police report regarding the fraudulent and criminal activity on my credit profile. On XX/XX/XXXX I went to the XXXX XXXX Police Department and filed an identity theft incident report, Report # XXXX. I was advised by the investigating XXXX that this matter would be handled by XXXX of their detectives and to continue to follow up with both the detective and the credit agencies regarding this matter, as the fraudulent items were still negatively affecting my credit report. On XX/XX/XXXX, I obtained another copy of my credit report. XXXX XXXX XXXX installment loan, was still reporting to my credit report. I then filed an Identity Theft Report with the Federal Trade Commission, Report # XXXX, on XX/XX/XXXX. I also contacted the detective that was handling my complaint with the XXXX XXXX Police Department and let them know that the matter had not been handled. I pulled my credit report again on XXXX, and expected this fraudulent account to have been removed, however it was still reporting to Equifax. I have now filed an additional Identity Theft Report with the Federal Trade Commission on XX/XX/XXXX, Report # XXXX. I have listed this fraudulent account below as it appears on my credit report. 

Fraudulent Negative Accounts : XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Account status : Closed Status updated : XX/XX/XXXX Account type : Installment Payment status : Repossession Balance : {$0.00} Balance updated : XX/XX/XXXX Original amount : {$15000.00} Monthly payment : {$0.00} Past due amoun : t {$0.00} Terms : 120 Months Responsibility : Joint Account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Experian Information Solutions Inc.
State: OH
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 would like to make a follow up on my complaint that you closed XX/XX/XXXX. Everything wasn't addressed well. I am asking you to have US DEPT ED which is a multiple account with the same account number of XXXX opened in XX/XX/XXXX, XXXX  with an account number XXXX opened in XX/XX/XXXX, multiple account of US DEPT OF EDXXXX with the same account number of XXXX opened in XX/XX/XXXX, XXXX XXXX with an account number of XXXX opened in XX/XX/XXXX, XXXX XXXX with an account number XXXX opened in XX/XX/XXXX, and an untitled account, it has no account name but its account number is XXXX opened in XX/XX/XXXX be deleted from my credit file.

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 2020-06-04
Company: Santander Consumer USA Holdings 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: Information is missing that should be on the report

Complaint:
I purchased a used vehicle from XXXX used car dealership in XXXX of XXXX at over {$14000.00} ( extremely high interest rate from their predatory lending ). The car was financed through Santander Consumer USA bank. I made my payments to them from XXXX until XX/XX/XXXX. With 5 more payments due on the loan, I traded the car into XXXX XXXX XXXX on XX/XX/XXXX where they paid off the remaining balance of the car loan. While XXXX was checking my credit report, they realized that my 6 years of payments to Santander wasnt listed on my credit report. Therefore I contacted Santander to see why it wasnt listed, and they claimed it was removed by my bankruptcy lawyer which is untrue because a lawyer doesnt have the authority to do so, only a creditor ( as in Santander ) can do that. My Chapter XXXX debt consolidation bankruptcy was filed in XXXX of XXXX and DID NOT include the car loan with Santander as I was making those payments directly to Santander. After numerous calls over the years of this loan, Santander refused to supply me with any information on my car loan. Today I was able to have them send me my payment history via email so that I can submit this complaint against this horrible and unprofessional company so that they can do the right thing and report my payments to the credit reporting agencies like they should have been doing for the past 6 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
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: Account status incorrect

Complaint:
I am writing this letter in regards to the XXXX XXXX account on my credit file # XXXX. The payment history for this XXXX XXXX # XXXX reflects the month of XX/XX/XXXX reported as 60 days late on Equifax, 30 days late on XXXX and 30 days late on XXXX. The payment history also reported the month of XX/XX/XXXX as 90 days late on Equifax, 60 days late on XXXX and 60 days late on XXXX. This is inaccurate and places into question which credit bureau is reporting the correct information, there is no way you can be late 60 days and 30 days in the same month. Also, late payments can not be legally verified without furnishing a copy of the creditors bank statements to show proof of missing or late payments. I am requesting a copy of the bank statements from XXXX XXXX for the account # XXXX for the months of XX/XX/XXXX and XX/XX/XXXX. If you can not furnish legal proof of missing or late payments via their bank statements and provide them to me, then I am requesting you update this account to paid on time, never late for the months of XX/XX/XXXX and XX/XX/XXXX due to inaccuracies and false reporting. Please keep in mind that in XXXX the New York State Office of the Attorney General and the CFPB have sued XXXX XXXX for hiding the true cost of credit, setting up borrowers to fail and closing its eyes to harmful practices against consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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 checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 2021-07-24
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I called on on XX/XX/XXXX at XXXX to close my account due to fraudulent activity happening multiple times in a month ( 3 times with 2 new set of cards ), issuing new cards and locking those cards did not help, fraudulent charges will still being made! Anyway, I was told my account had been closed and all fraudulent charges were taken off. I login today XX/XX/XXXX to find they let one of them go through and it now says I owe {$100.00}. ( XXXX fraudulent charge and a XXXX cent minimum interest charge, which should not apply because my balance should be XXXX ) I called right away and got someone who did not speak very good English and she starts reading from a script saying they will send me a new card. I CLOSED MY ACCOUNT. I don't want a new card, I was my balance to reflect XXXX and to be done with the awful awful company! How can charges still go through on a LOCKED cards? I am beyond frustrated, never in my life will I do anything with Barclay. Please fix this and put my account back at XXXX and make sure it is truly closed!

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 monetary relief
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : 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 2022-06-13
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was reviewing my XXXX XXXX information in XXXX XXXX and saw that Southwest Credit Systems is in collections for {$1500.00}. The company has not sent me anything regarding this debt and I do not know what the debt is for or any information about it. I want this collection removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Netspend Corporation
State: FL
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
I received a Netspend card in the mail, which included a " prepaid debit card '' with my full name on it. Thinking I was receiving money on a prepaid card, I went to activate the card. In order to activate the card you must give them your SSN. I did, and finished activating the card/creating my account, only to find a {$0.00} balance on the card. 
I did not request this card. I called XXXX to speak with someone, and told them I did not request this card, and wanted to find out why I was receiving it. 
Per Netspend 's Customer Service, I received a card " because [ I ] am one of their POTENTIAL CUSTOMERS '' and they got my information from " Public Records ''. Per the fine print, they are now able to share my SSN with any of their affiliates, even after I am NO LONGER A CUSTOMER. If I am " Inactive '' for 90 days without a transaction, they will beginning charging me {$5.00} per month. 

This company 's " Advertising '' to " Potential Customers '' forces you to create an account and give out your SSN, just to find you've created an account with a company that charges you fees FOR THE PLAN ITSELF, fees per EACH PURCHASE, Fees to WITHDRAW, Fees to RELOAD, Fees to CHECK BALANCE on an ATM, DEPOSIT CHECKS, ands INACTIVITY FEES. 

Per the fine print included with the card, " It is important to Register your Card Account as soon as possible. Until you Register your Card Account and we verify your identity, we are not required to research or resolve any errors regarding your Card Account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
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:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX {$0.00} {$0.00} {$0.00} - - - XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT INFORMATION ; ORIGINAL CREDITOR : XXXX, ASSIGNED ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX  {$120.00} XXXX {$0.00} {$0.00} {$0.00} - - - XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX, ASSIGNED ON XX/XX/XXXXI have previously disputed these accounts and requested validation, no documents have been provided to validate the account, no response was received in a timely manner, and there continues to inaccurate information being reported. Since none of this worked, I decided to pay for deletion. Which they agreed to. No it is still listed on my Equifax and XXXX credit reports. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Account # XXXX and XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: WELLS FARGO & COMPANY
State: WV
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Can Wells Fargo produce the mortgage loan note? Does Wells Fargo own the mortgage loan note? Who actually owns the north loan for the property located at, XXXX XXXX XXXX XXXX XXXXXXXX XXXX? 
XXXX XXXX. XXXX for mortgage violations. 
XXXX XXXX XXXX Improper mortgage lending practices. 
XXXX XXXX XXXX. XXXX for fake accounts. 
XXXX XXXX XXXX. For actions during the subprime mortgage lending. 
XXXX XXXX XXXX XXXX for fraudulent sales practices XXXX. 
XXXX XXXX XXXX XXXX overcharges lates fees and other charges XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, the illegal sales practices began high pressure loan. 
XX/XX/XXXX. The illegal closing on the property at XXXX XXXX XXXX XXXX XXXX XXXX 
Could not get insurance with a major insurance company The taxes owes and lien with the tax lien being sold! 
Loan closing document 2 highlighted area proves the sale was illegal. 
The loan was a HUD loan as proven in the closing documents. 
The constant changing of the actual mortgage payment due. 
The inconsistency in the mortgage statements, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX showing the accidental death insurance, never authorized, NJ, never reflecting the death insurance. NJ, also showing XXXX statements with amounts due, the amount before the XXXX, loan modification! 
XXXX loan modification photocopied documents and the original loan modification document, proof the manipulation and theft of our account. Shows the blatant fraudulent practices then. 
The repeated responses to our complaints saying numerous times that Wells Fargo can by law only access the last 7 years. 
Wells Fargo employees responding and blatantly lying and still defrauding us, 19 years! 
The XX/XX/XXXX XXXX XXXX payment, result of Deferred Prosecution agreement in criminal matter, Settlement of civil claims and FIRREA and resolution of SEC proceedings, is an agreement Wells Fargo made, to compensate the consumer, us,! XXXX XXXX from this fine is exactly what Wells Fargo agreed to do! 
XX/XX/XXXX. XXXX XXXX for improper mortgage lending practices. This is yet another fine that the XXXX XXXX Im asking for can be paid from. 
XXXX XXXX XXXX XXXXXXXX for fake accounts, again another fine and violation the XXXX XXXX XXXX asking for! 
Every fine and violation stated can be used to compensate us the XXXX XXXX we are asking for. We have proven we have been the victims of the illegal practices and actions by Wells Fargo bank and mortgage companies for 20 years. 
We have proven the criminal actions and we are demanding compensation of XXXX XXXX dollars.

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 2023-11-17
Company: ALLY FINANCIAL INC.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
Back in XXXX, we filed bk XXXX and were XXXX in XXXX. We thought that the second mortgage was removed because ever since the bk was XXXX, we never received any statements or any correspondence from the XXXX. Until after we thought of selling our home, that was when we found out that we had XXXX liens against our property. The broker could not locate the mortgage company at that time. I had to do my research to find out what the mortgage company was. It took me a long time to know that XXXX was sold to Ally Bank. When I reached out to them, they told me that we owed $ XXXX because it accrued interest for almost XXXX  years. They mentioned that we were delinquent for over XXXX  months The original loan was $ XXXX. That was the only time they started sending me correspondence about our loan. We find it unfair that they never sent us anything before for that many years ( 20 years ), and now they're saying that we owed this much. We could have done something about it before had they sent us some type of statement but they never did. They mentioned that it can go to foreclosure. I had tried to reach out to Ally Bank to request a resolution and applied for a loan modification so that it wouldn't go to foreclosure. Since XX/XX/XXXX, I have been trying to communicate with them and ask for help. I sent them the application for modification and all the required docs many many times but they tend to give their customers the run-around. I have sent them all the needed docs via fax, via email, and mailed them as well. I always had to resent the application and resent the required docs. It was very frustrating to hear that they always was missing docs when every piece of document we sent over and over again. We were trying to do our part but they seem to not do theirs. We feel that they are doing the run-around so that they can foreclose my property. It has been over a year and XXXX that we have been trying to work with them but they aren't willing to help us. The balance keeps growing and It's unjust that they aren't fulfilling their responsibilities even though we are doing our best. All the calls are recorded supposedly. I have proof of emails from way back. I would like to ask for your assistance. Now that they know that the property has equity, they send us correspondence and even try to scare us that they can foreclose it. This lien has been dormant for almost 20 years. I believe it is just right that they remove this lien from the title. I can send all the proofs of communication if needed. 

Your prompt response would be greatly appreciated! 


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 explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: MI
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 2023-05-18
Company: Experian Information Solutions Inc.
State: LA
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:
My rights as a consumer are being violated with this inaccurate information. I have the right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance! The one thing I won't tolerate is negative information. It doesnt matter if it's certified or not, what matters to me are the facts and truths of anything that may be going on with your company and the data you have concerning my credit profile.The credit report I received is not accurate which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.Here 's my challenge for you : Make a document that shows all of the evidence for each claim and send it to me. It should be verified, complete and true! The XXXX CRRG states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. I'm unsure if the reporting process was done correctly or whether it's in proper format, so we can't say that your claims are accurate either way. The following claims are controversial and have not been independently verified as true.Please remove any false accounts from my credit report. I am requesting that you take care of this as soon as possible so it does not affect me financially in the future. My credit report is my life. I want only factually accurate, verified and compliant data documented on it!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief