BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-09
Company: Experian Information Solutions Inc.
State: SC
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:
IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

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 2017-03-31
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have filled a number of complaints about this company and the way that my mortgage has been handled. Most recently I filled a complaint stating that the bank was asking me to provide information that we had already provided and or information that was not relevant to my request to short sell my home. I received a response from Wells stating that they did in fact find errors in the way that my account was handled and that they were asking for things that were not needed. Also they approved my request for a short same right away after they admitted that mistakes were made. I am not sure that they reviewed the entire 23 months of my short sale process so far, or only the recent months. I want confirmation hat the entire time frame was reviewed because we have been going through this, and having the same problems this entire time! The customer service and the staff knowledge at Wells Fargo is horrible! 
I called to address this with Wells Fargo and explained that if they made mistakes on my mortgage and that it caused me to fall even further past due then they needed to fix the reporting as they were at fault for the time frame that this has been taking. The individual that I spoke to claimed that the entire time frame was reviewed but I have a very hard time believing this given their track record. She also told me " you have not made a payment for 22 months ''. Why yes ... I have not paid for 22 months because I have been trying to short sell my house and I can not make a payment while trying to sell my house! She assured me that she would review this and would reach out to me with her " findings ''. Shortly thereafter I get a letter in the mail ( attached ) stating that they were not going to change the way that the account was reported. 
I find it so sad that this bank can just mishandle accounts and not have any accountability for their actions. If my account was handled confidently and in a timely fashion I would not be this far past due. We probably could have had this completed MONTH if not YEARS ago!!! I know that Wells Fargo is known for opening checking accounts without the customer 's knowledge but it appears we should add " ruin customers financial futures for the fun of it '' and of course not hold you accountable. That sounds about right. Shame on 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 2023-03-01
Company: EQUIFAX, 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:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2023-11-30
Company: EQUIFAX, INC.
State: NC
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXXXXXX Balance : {$750.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01
Company: PRESTIGE FINANCIAL SERVICES INC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
We have an auto loan with Prestige XXXX since XX/XX/XXXX.  We have noticed that our payoff is only going down roughly {$100.00} a month. We pay {$370.00} a month. Being that we are a little over 5 years into this loan, I know we paid a big chunk of the interest of a 17.99 % auto loan. Normally towards the end of a loan the majority of the interest has been paid and more money comes off the principle balance than {$100.00} of a $ XXXX monthly payment. 
We are assigned an account rep to basically hound us starting the day before payment is due. If we are more than 3 days late we get a " final notice '' to come repossess the vehicle. We get nasty emails and texts throughout the day from our assigned rep. Which we have been through about 8 different assigned reps since our loan started. So anytime we ask about this issue they say, if you don't like it we can come get the vehicle. 

An example is in XX/XX/XXXX our payoff stated it was {$4800.00}. As of today it states our payoff is {$4300.00}. So in 5 months we had {$500.00} come off our principle balance? We have had this loan over 5 years. How long have they been doing this? 
According to my math that is a lot higher than a 17.99 % APR. This has happened our entire loan. Of course it says we owe that much when we only get {$100.00} a month off our balance per month. 

Please look into this. If they are doing this to us, they are doing it to everyone. They are crooks, take advantage of consumers who are put of options for financing and this company must teach to be rude and relentless in collecting payments. Especially when they don't provide a monthly invoice or email invoice. Just rude calls and emails. 

Thank you for taking the time to listen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: AR
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 wrote a letter to XXXX, Equifax, and XXXX about information on my credit report being fraud and asked for it to be removed. I also sent an Identity theft report from the Federal Trade Commission to confirm, and these accounts remain on my profile. 
The accounts are XXXX XXXX  and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: CNG FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX : XXXX XXXX XXXX called today said I owed Check N Go Quick Loan for {$1500.00} and sent letters to my home, which I do not believe ever received. Stated if I did not pay today the offered settlement of {$600.00} - this would go to collections. I paid with my only funds on a credit card, as my daughter is going to college this XXXX and did not want any credit issues. I feel I did not take this type loan and was unemployed for a few months in XXXX. No action against my credit yet was explained. I have confirmation paid email and credit card authorization form was texted and emailed to me. I believe I was scammed today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: CADENCE BANK
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Candence Bank is what I like to call the XXXX  of the earth! 

This is a finical institution that has a long record of mistreatment of its customers. 

I am now always on constant gaurd from their never ending disorganized institution. 

This is nothing more than another Egregious mistake on top of a number of mistakes by CadenceBank.

I am Im constant communication concerning my home loan with CadenceBank. I will call and ask for them to add notes to my file or ask questions about necessary information needed to be successful with complete and staying current with my home loan. I will contact CadenceBank and make them aware for any new updates and the next day or two days later someone will call and harass me for their own enjoyment. I will ask have you reviewed the notes and they will reply NO.

CadenceBank disregarded my Home Owners Insurance payment and the policy lapse. They are now threatening me for the uncovered fees though I reached out to them and the insurance company on several different occasions. I was notified by a CadenceBank customer service ee in the insurance department that she would request that I wouldnt have to be liable for those fees seeing that CadenceBank never paid the requested amount from XXXX XXXX XXXX. Ive asked for my payments to be broken into bi monthly request denied. Ive asked to remove the escrow account because of how the Bank grossly handled my insurance. The request was denied. This is a Bank that would love to see my family and I lose our home. They have the worst customer service and staff. 

Today I was called by XXXX in the Insurance department asking for documentation about the attachment I sent over XX/XX/2022. This Bank has been such a horrible lender and Im physically sick because of their carelessness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 did not authorize inquiries from the company. Credit bureaus ignored my prior request to have them removed. Credit Bureau ignored investigation.

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 2023-11-28
Company: EQUIFAX, INC.
State: PA
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: Their investigation did not fix an error on your report

Complaint:
I will continuously dispute the negative close accounts that were reported 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has been declared as current since XX/XX/2022. However, I have observed that it continues to be reported by other credit reporting agencies. 

Moreover, these 2 collection accounts have no resolution until now. I have not received any communication or information about the validity of the alleged debt that these collection agencies have been continuously reporting. 

I am seeking clarification on why this discrepancy exists and request the immediate removal of this inaccurate account from my credit files. It's my understanding that this matter has been addressed, and I expect that the relevant updates have been made accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: WI
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number : XXXX- Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
My identity was breached from XXXX XXXX XXXX and I believe my ex husband. 

There are SEVERAL inquiries on my report that I did not make nor authorize and need to be removed. ( See below ) please tell me how to proceed in getting that taken care of ASAP!! 

XXXX  XXXX - Inquiry Date XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/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 2017-07-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My husband and i are in the process of refinancing our home after 11 years. We just found out there are Big Issues for my score and it 's directly attributed to mis information reported by Wells Fargo.
First one : reported for  XX/XX/XXXX  : Spoke with   XXXX   XXXX  , Employee #  XXXX  who explained to me that our  XXXX  Payment did not go through, did not bounce, it simply did not get processed. She told me No late fee, No late posting would occur because it was Bank Error. Well, it did get reported as a 30 day late.
Second one : On my credit report, it showed that our  XX/XX/XXXX  payment was 30 days late, when I pulled the file from  XXXX , I found my husbands notes of speaking with Wells Fargo and they told him the payment did not get processed because of a wrong account number? But Wells Fargo does not ask us to give the account number because they store it. So again it was bank error and they supposedly corrected it. But it shows on our credit report as another late payment.
<P/>
We have our Conformation # 's on the date payment was accepted. This is impacting my credit score horribly. Plus, our other cards where we have never had an issue have dropped our available credit due to this and now it looks like we ran up our balances, when in fact we have been paying them down. This is horrible timing as we are trying to refinance our home and it looks terrible on our credit.
This morning I spoke with   XXXX   XXXX     XXXX  ext  XXXX . he is senior level management and is supposed to help me with this. When I called him back to say it had also happened in  XXXX , he was less friendly and more rushed me off the phone. but when we started he said to complain to the Credit Companies and sometimes it 's faster. Well, let 's hope so.
<P/>
Many thanks for your help and let me know what else you need!

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 2023-11-28
Company: EQUIFAX, INC.
State: MN
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: Their investigation did not fix an error on your report

Complaint:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX XXXX Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In contempt of several attempt the following items still appeared in my credit file, the fact, I had disputed them already a month ago. I've submitted previous complaints also with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The disputed information was reporting to my credit file held with by credit agencies. These items were appeared fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to removed the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. Consequently, I am seeking for your immediate assistance to solve this issue right away. I need the following items to removed by the credit bureaus immediately from my report : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/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 non-monetary relief
Consumer complaint received 2019-01-31
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My private loan has been sold multiple times. I called in XX/XX/2018 to complain about how my loan has been handled and transfered to Heartland ECSI. My XX/XX/XXXX statement came and they are trying to charge me 29.169 %. It should never be this high. It is theft. No one is answering the phone and i can not get any information on my loan. I am very mad. Plus i have had this loan for so long and always made payments ontime. It is so unfair. My XX/XX/XXXX payment went all to interest because they are screwing around with my interest rate. I DID NOT pick this company. My loan was sold to them.They stole my money in XX/XX/XXXX when i made a payment. this is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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