BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: AL
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 been having problems with this company for a 2 years now. I disputed and gave them chances to actually solve the issue. They do not investigate any thing and everything comes back verified with no reasonable explanation. They have numerous times to fix the issue and just won't budge

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: NC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-14
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 disputes with this creditor because I have no contracts signed with this creditor

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 2023-01-27
Company: CITIBANK, N.A.
State: RI
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:
In XX/XX/XXXX I received a notice from XXXX that a request to change my address was initiated and I needed to verify that this was accurate. I contacted XXXX and indicated I didn't apply for a change of addressed and filed a report. XXXX XXXX XXXX XXXX XXXX XXXXXXXX I XXXX a notice from XXXX XXXX XXXX  that my account was being closed due to delinquent payments. I contacted XXXX XXXX and notified them that I never had a XXXX XXXX account and filed a fraud claim. This situation is currently being investigated by XXXX XXXX. On XX/XX/XXXX I received a notice from Citi bank that they were closing my account due to non payment. I contacted their fraud department and indicated that I never opened an account and this is currently being investigated by Citi bank. 
As a result of these fraudulent activities I opened an account with XXXX to check my credit history and current status and found that both the XXXX XXXX account and the Citi Bank were listed on my credit report as being closed and delinquent with sums totaling over {$32000.00}. and my XXXX XXXX dropped to XXXX from XXXX. XXXX is currently investigating the fraud claims with XXXX XXXX and Citi bank.

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 2019-08-06
Company: EQUIFAX, INC.
State: DE
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:
The XXXX corporation has Fraudulently Sent information to the Equifax credit company that I have opened a account with them. I have tried to reach XXXX corporation and they not returned my call as ofXX/XX/2019 XXXX. I have a complaint and copy that I hot from Equifax and Equifax has stated that they have a response from XXXX corporation that they have invested the dispute and have the finding. This is still a FRAUD case that I feel needs to be investigated. I feel a penalty should be placed on XXXX Corporation and Equifax for not informing of this Fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: KY
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 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 : 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 2023-03-16
Company: EQUIFAX, 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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: SYNCHRONY FINANCIAL
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I received the attached letter on XXXX. I did not apply for credit with XXXX and dont even know what this is. I am tired of people trying to apply for cards in my name as this keeps happening. What can we do to stop it. I have a freeze on everything. Please contact this company and tell me who applied, where they applied and what they applied for. And remove the inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-13
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I lost my job in XXXX of XXXX and my husband and I were given an opportunity of paying {$610.00} per month stating there would be no actions against us knowing I was going to court to be reinstated. During XXXX of XXXX without our knowledge the house was in foreclosure. We actually found out our house was up for foreclosure from a neighbor who has a friend that was interested. We were on the foreclosure list and when I would call they claimed I was not, except it was all over the internet and investors were constantly writing offering to buy it and give us time to move out. One of the associates told me she needed to set up an appointment to inspect the house, another person from Wells Fargo called my husband and told him that when we left we would have to leave the stove, refrigerator, and microwave all this while we were still trying to save our home, meanwhile we continuously filled out paperwork for for forbearance 's and we were continuously turned down. In essence out of the ten payments of the requested payments of {$610.00} no payments were deducted. We were told it would take {$26000.00} in order to bring our loan current and we paid that on XX/XX/XXXX. We really tried to pay on the XXXX of XXXX but they told us they had to hold our cashiers checks until XX/XX/XXXX to verify the money. After paying {$6100.00} and then {$26000.00} they only deducted XXXX XXXX from the {$210000.00} we owed. Although we never received a forbearance they then raised our mortgage from $ XXXX+ to {$2000.00}. Wells Fargo also raised the interest on the mortgage. In XXXX we paid {$5100.00} in interest. In XXXX we paid {$4900.00}. Wells Fargo is now charging us {$930.00} per month for interest. we supposedly have a fixed rate but the person I spoke to today XX/XX/XXXX. I already told them they were just trying to take older persons homes and will send a copy of the statement where it shows they kept the money for themselves. 
In addition to all of this they sold my mortgage loan to another bank stationed in XXXX without our knowledge. We did not find out until their lawyers gave us this information. I have tried to speak to numerous persons including, XXXX XXXX who keeps promising to research but always says he forgot ; while talking to me as if I am just stupid and do not know what is going on. Note the last time we tried to get a modification they raised our mortgage by a couple of hundred dollars instead. They called this a modification.

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 2023-10-03
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: Information belongs to someone else

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 had 2 reportings on my credit report the month of XXXX for XXXX XXXX bank and XXXXXXXX XXXX  that are incorrect. I did not reach out to either of these banks for anything.

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 2021-11-30
Company: United Shore Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
UWM incorrectly force placed insurance on my mortgage when they erroneously input the end date on my insurance as XX/XX/XXXX instead of XX/XX/XXXX. Because of that mistake, they force placed insurance of over $ XXXX backdated to XX/XX/XXXX. 

They had proof of insurance from my former insurer as well as my following year 's plan. I've called them XXXX times and spent over XXXX hours trying to explain to their customer service team the mistake they made. 

I tried to explain how non-sensical it was that my insurer would send them a non-renewal notice in XXXX of XXXX for XXXX of XXXX. Instead, they were notifying them of non-renewal in XX/XX/XXXX which is logical. 

No one at UWM questioned this or tried to fix the mistake. 

They made me call my previous insurer and confirm when my coverage ended, which was as expected XX/XX/XXXX My new insurance was effective XX/XX/XXXX. 

I've had the insurance company fax that as well to go over and above my requirements to provide proof of insurance. 

Meanwhile, UWM is not able to provide me the cancellation document or apparently locate it that states XX/XX/XXXX...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I disputed XXXX XXXX XXXX, Date : XX/XX/XXXX inquiry with Equifax and XXXX, Date : XX/XX/XXXX inquiry with XXXX as I did not authorized the inquiries. The first dispute letter was sent on XX/XX/XXXX and the second on XX/XX/XXXX. Afterwards, I disputed the same inquiry online. They responded to the online dispute by stating they were able to verify this inquiry. 
But how is that possible? 

1 ) I did not apply for credit from XXXX and/or XXXX on XX/XX/XXXX. 

2 ) I did not receive nor was I denied credit from XXXX and/or XXXX on XX/XX/XXXX. 

To assist the bureaus ' further investigation, I attached the screenshots of my customer account with XXXX, which clearly shows that I do not currently have and never had any credit account before with this company. Moreover, the screenshots also show NO pending or NO DENIED applications for any credit product they currently have. 

Moreover, on the same day of the inquiry, XX/XX/XXXX, I contacted the XXXX XXXX Department ( XXXX ) and informed about the unauthorized inquiry on my credit report, telling them that I did not apply for a credit card with their company. Since then, they havent done anything, thus violating my rights under FCRA. 

Please see attached the disputed inquiries as well as screenshots from my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
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:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them a letter, for the said request, I still haven't received any response up to this date. Besides, the inaccurate information about my accounts are still on my report. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX Date Opened : XX/XX/2021 Balance Owed : {$6.00} SYNCB/XXXX XXXX Date Opened : XX/XX/2021 Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 have a capitol one credit card that had a {$1500.00} credit limit. The payment automatically comes out of my account at XXXXXXXX XXXX XXXX ( contact XXXX XXXX ), on XX/XX/16 Capitol one debited my account for the regular payment for {$100.00}. I went to my bank XXXXXXXX XXXX  this week to get some cash. The bank rep told me my bank account was overdrawn. They told me there was a debit from Capitol One for a payment of {$1300.00} to pay my card. I went to my XXXXXXXX XXXX and we called Capitol One, they said a mobile app had opened a new card, with new credit limit and new signers. I said I did not do that, they wanted all kinds of information faxed to them before they would help me. The names added to my " new '' account were XXXX XXXX and XXXX XXXX, they would not give us the new phone number or the new address. XXXX at XXXXXXXX XXXX can verify all this information. The card had already been maxed out and another approx {$3800.00} had been charged to my bank account as payment. XXXX at my bank told me that it may be best for me to go downtown to the XXXX Capitol One office to get help. I did drive on my on ( i am XXXX XXXX XXXX ) XXXX miles to downtown XXXX to the Capitol One branch bank. They were not able to help me as I was told there was no one in the branch that could help me with that problem. I have made sure that the card is cancelled and I have a case number with Capitol from the call that XXXX at my bank made with me ... XXXX # XXXX. I am about approximately {$5000.00}. I was told by my banker to go to this website to file a complaint. I have also filed a charges with my local XXXX office in XXXX XXXX, Texas the officers name is XXXX XXXX - numner is XXXX. Since I am XXXX I am haveing my good friend and neighbor, XXXX XXXX, type this information for me. XXXX XXXX info is XXXX, her email is XXXX. XXXX has also placed a fraud alert on my credit profile.I want the {$500.00} If there is anything you may need information on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
Please see the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Bridgecrest Acceptance Corporation
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
This is my formal complaint against BRIDGECREST CREDIT C : In regards to Acct # XXXX. On XX/XX/2020 this company whom I did not receive financing through, repossessed my vehicle during a global pandemic. They failed to provide me with documentation regarding the repossession as stated in 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL, 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. I want Bridgecrest to provide a copy of the original sales contract with my signature that states the vehicle was initially financed through their company. BridgeCrest also did not have my written consent to report this account on my consumer reports which is a direct violation PURSUANT TO 15 USC 1692 ( 4 ) THE TERM CREDITOR MEANS ANY PERSON WHO OFFERS OR EXTENDS CREDIT CREATING A DEBT PURSUANT TO 15 USC 1692 ( D THE TERM CREDIT CARD MEANS ANY CARD COUPON BOOK OR OTHER CREDIT DEVICE EXISTING FOR THE PURPOSE OF OBTAINING MONEY PROPERTY, LABOR, OR SERVICES ON CREDIT NOTICE THAT I AM THE CONSUMER IN FACT, THE ORIGINAL CREDITOR PURSUANT TO 15 USC 1692 ( K ) ANY DEBT COLLECTOR WHO FAILS TO COMPLY WITH ANY PROVISION OF THIS SUBCHAPTER ( FDCPA ) WITH RESPECT TO ANY PERSON IS LIABLE TO SUCH PERSON IN AN AMOUNT EQUAL TO THE SUM OF WHICH I SUFFERED NUMEROUS XXXX XXXX, JOB LOSS, AND RUIN MY REPUTATION I DEMAND YOU PAY INVOCIE IN CHECK FOR VIOLATION UNDER THE FAIR DEBT COLLECTION PRACTICES AND PURSUANT TO 15 USC 1692 ( C ) ( C ) CEASE COMMUNICATION WITH ALL REGARDING THIS ACCOUNT AND BLOCK AND ZERO OUT THE BALANCE AMOUNT PLEASE ACT QUICKLY AND PROMPTLY! The credit card used in this matter was my social security card which I did not provide to BRIDGECREST!!! As a result of their failures I want this account DELETED from my consumer reports.

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 2023-01-27
Company: Experian Information Solutions Inc.
State: RI
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:
In XX/XX/XXXX I received a notice from XXXX that a request to change my address was initiated and I needed to verify that this was accurate. I contacted XXXX and indicated I didn't apply for a change of addressed and filed a report. XXXX XXXX XXXX XXXX XXXX XXXXXXXX I XXXX a notice from XXXX XXXX XXXX that my account was being closed due to delinquent payments. I contacted XXXX XXXX and notified them that I never had a XXXX XXXX account and filed a fraud claim. This situation is currently being investigated by XXXX XXXX. On XX/XX/XXXX I received a notice from XXXX XXXX  that they were closing my account due to non payment. I contacted their fraud department and indicated that I never opened an account and this is currently being investigated by XXXX XXXX. 
As a result of these fraudulent activities I opened an account with Experian to check my credit history and current status and found that both the XXXX XXXX account and the XXXX XXXX  were listed on my credit report as being closed and delinquent with sums totaling over {$32000.00}. and my XXXX XXXX dropped to XXXX from XXXX. Experian is currently investigating the fraud claims with XXXX XXXX and 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