BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-25
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX ; XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-14
Company: Experian Information Solutions Inc.
State: IL
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:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!

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 2022-11-25
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX, XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2018-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
TO : Whom it May Concern RE : Fraudulent Misconduct by Collections Company XXXX XXXX XXXX XXXX Case # XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX XXXX ( XXXX ) XXXX ( XXXX ) On XX/XX/XXXX I received a letter from the Michigan Department of Treasury informing me that my State of Michigan tax refund is being garnished. This comes as a complete surprise to me since I was not aware of any legal action against me regarding this issue. Nor was I served either by mail or in person, I believe that to get this far in the legal process it takes 4 or 5 different filings with the court. At least 2 of these should be served in person on myself! None of this has occurred! How does the legal system allow this to happen? According to the letter from the Treasury department, the filings occurred in XXXX County XXXX District Court. I have not resided in XXXX County since XX/XX/XXXX. 
In XX/XX/XXXX I placed a Change of Address with the USPS along with signing up for the USPS Informed Delivery, which emails me a photo of the front of all mail being sent to me. This email arrives about 2 to 3 days prior to actual delivery. From XX/XX/XXXX to Present, I have not been sent anything from either the XXXX County Courts or from the law firm of XXXX XXXX XXXX XXXX, XXXX. XXXX  XXXX, XXXX, MI XXXX ( XXXX ). 
My Complaint is this, Who, When and Where signed for the Proof of Service or where, if any, did the mail go? According to the USPS ALL First Class mail IS forwarded to the new address. None of this happened! Who Forged the Proof of Service? Where was the mail sent, not to me! Why was it filed in the wrong County Court system? When there was more then enough time to file, serve and process the complaint in the Courts where I live? Its harassing enough to deal with Collection Companies, but how can they get away with the Fraud and Misconduct ( illegal nature ) of not following the rules! Its a shame that Collection Companies can get away with doing business this way. 
Being basically XXXX and XXXX, on a limited XXXX income ( normally exempt from creditors, though not a tax refund based on that exempt income! doesnt make sense. ) it is financially difficult enough to make do. Let alone when the system allows this too happen, the Fraudulent Misconduct by NOT properly serving and informing me of the situation. How many other people have also had this done to them by this company?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Received a voicemail from a person claiming to be calling on behalf of XXXX County and was calling to inform me that unless I called them back, they were going to make " multiple attempts '' to serve me papers at my home and place of business between the hours of XXXX and XXXX the following day or and if they were unable to, I would end up missing my scheduled court date. Caller provided me with a case number, their return phone number ( XXXX ), and a name ( XXXX XXXX ). Since this is not the first time I have received a strange call like this, I proceeded to call the XXXX County Clerk and District Clerk to try to verify the case number, check for any court dates if applicable, and find out what the matter was in regards to. After speaking with several different departments at XXXX County, I found that XXXX County had ZERO records of any such case number or my name in their system at all. 

I proceeded to call this XXXX XXXX back at the number provided and he informed me that the call was in reference to an old payday loan debt with a company called Ace Cash Express. This is the same company/debt that I had already filed a complaint against with the CFPB a couple years ago because they called impersonating a XXXX County Deputy ( they even made the caller ID show up as XXXX County ) and threatened to have me arrested if I did not pay the debt. Since this is against the fair debt act, I filed a complaint but the complaint ended up being closed with no resolution because when CFPB contacted Ace Cash Express, they denied the claim/debt was theirs and the debt collector that they had sold the debt to refused to respond at all. CFPB requested additional information since they were unable to get any response but since the debt collector refused to give me any more information I had none to provide and the complaint was eventually closed. 

Now, two years later, I am getting the same threatening calls at my pwork. This time threatening to seize my car and take me to court if I did not pay the debt TODAY, and that if it ended up going to court, that the amount due would be 5 times more than the amount they were asking for now. 

When I explained that I had already filed the complaint with CFPB the last time they called ( to which they had never responded to ), the caller got very angry, talking very fast and threatening saying " they were owed this money '', that they " were going to seize my XXXX XXXX '', and then said " Good Luck in Court '' and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
1. Wells Fargo arbitrarily prorated seller concessions on its Closing Disclosure to make borrower paid fees appear to be less than what they were. The closer confirmed in an email ( see attached ) the reason they prepare the Closing Disclosures this way is avoid reporting exceeding allowable tolerances and to manipulate the APR. 

2. Wells Fargo did not disclosure all fees on the Closing Disclosure. Wells Fargo charged three ( 3 ) appraisal fees that included an initial appraisal fee, an appraisal update fee, and a final inspection fee. Only two ( 2 ) of these fees were closed on the Closing Disclosure. 

3. Wells Fargo intentionally underestimated our loan payment and closing fees on the Loan Estimate. Wells Fargo re-disclosed ( with no triggering event or new information ) reflecting fees much higher than disclosured when we originally applied for the loan ( though nothing changed ). Cash needed for closing was around {$7000.00} higher and the monthly payment was around {$700.00} higher. 

4. Wells Fargo was deceptive by attempting to make the Closing Disclosure hard to compare with the Loan Estimate as the full fees being charged at closing were not disclosed. They attempted to use a seller credit to make the fees appear to be less than they were. 

5. Wells Fargo is attempting to collect more escrow than allowed ( escrow amounts are known as Wells Fargo has the tax assessment and homeowner 's insurance invoice ).

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 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XX/XX/2023 I contacted XXXX XXXX XXXX. I made a payment in an agreement to clear the account. They advised me that once a payment was made that they would request for the tradeline to be removed from my credit report. It has been almost 60 days and they have not done so. I would like to know that the payment was not returned, because the bureaus updated trade line as paid

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 2023-09-26
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIM OF IDENTITY THEFT.I WOULD NOT EXPECT SOMETHING OF THIS MAGNITUDE TO OCCUR. I FIND IT SURPRISING THAT I FOUND NUMEROUS ACCOUNTS ON MY CREDIT REPORT THAT WERE NOT OPENED BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF TRYING TO BUY A FOREVER HOME FOR MY FAMILY! PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am wanting to dispute the late charge that dropped my XXXX XXXX on the XXXX credit bureau. It showing that my vehicle a XXXX XXXX was delinquent and I traded in this vehicle and the payment was received with them on XX/XX/XXXX for {$32000.00} to Capital One XXXX and they reported that my payment was late. This vehicle was in my mother 's name XXXX XXXX and I was the co-borrower ( XXXX XXXX ). She has not received a late payment notice but I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: MD
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:
I do not recognize these hard inquires on my credit report. I have submitted a claim of identity theft in regards to them and reached out to each company. 

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 non-monetary relief
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
As a consumer and natural person am a victim of identity theft. Transunion, XXXX, XXXX have used and furnished my consumer credit report without my authorization, consent or written instruction. They allowed companies to share my nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that the consumer has a RIGHT TO PRIVACY! Transunion, XXXX, and XXXX has violated my federally protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their grave responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the CONSUMER 'S RIGHT TO PRIVACY! Transunion, XXXX, and XXXX are in direct violation of the FCRA and the Gramm Leach Bliley Act of 1999.

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 2021-03-15
Company: LAKEVIEW LOAN SERVICING, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have requested the loan servicer, Lakeview Loan Servicing LLC ( XXXX ), to establish the escrow account so that my monthly payments would include the property taxes and insurance. I have brought this attention to them multiple times via the phone and the email, and yet they have not responded to me. My first payment is XX/XX/2021 and every time I called them they keep on pushing back the date of completion for this loan escrow analysis. I have submitted multiple tickets with them on the same matter, ticket numbers are XXXX, XXXX, XXXX, and XXXX. The first time was submitted on XX/XX/2021, more than 2 weeks ago. There was system generated confirmation from XXXX confirming the receipt. I also attempted to email the servicer via their email at XXXX, and have not gotten a response as well. In fact, I spoke with the customer service supervisor, XXXX at XXXX, and I was promised this would be done. 

As of today, XX/XX/2021 I have not receiving any correspondence from the company regarding the changing in my monthly payment due to my request for the escrow account even though all the paperwork was submitted.

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 2023-09-18
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
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: Investigation took more than 30 days

Complaint:
I entered into a predatory loan in XX/XX/2018. I walked into XXXX XXXX XXXX looking to purchase a vehicle. The salesman by the name of XXXX assured me he would assist me throughout the process. From the beginning of the process until the end my father and I was forced into an agreement without the proper information. The agreement was not explained in its entirety and everything the salesman told us was completely different from the contract. We expressed the concern to XXXX XXXX XXXX the very next day. They forced us out of the office and aggressively stated the right to rescind was not allowed. We had no knowledge of the federal law at the time. There were a multitude of malicious things that happened during our experience. My father was listed as the primary holder and me as the co-signer. We were never informed that during the process nor did we see that in the contract. The contract that was provided to us and the one received from XXXX XXXX was completely different. We were taking advantage of as consumers. XXXX  XXXX are contracted with a company that is doing bad business. As a consumer entering into a uniformed agreement. XXXX  XXXX had charged the account off without considering the violations that has taken place by the 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