BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-15
Company: Experian Information Solutions 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:
Texas attorney general is reporting inaccurate information on My consumer report as the attached files prove my claim by law with this inaccurate information this should be deleted. They are reporting that I only pay {$240.00} as my evidence show I pay way over {$3000.00}

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 2023-01-21
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
i sent in my letters i called and spoke to someone,, yet my personal info is still inaccurate.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo sold our mortgage but they attached extreme excessive late fees and overdraft fees to our balance. This affected the amount of our loan a great deal. They threatened foreclosure at least 3 times and attached exuberant fees as well

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 2023-02-23
Company: MORTGAGE INVESTORS CORPORATION
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Today XXXX XXXX got a text at my phone stating the following COMPUTER GENERATED TEXT, PLEASE DO NOT REPLY TO MESSAGE COMPLAINT NUMBER : XXXX XXXX : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX. ) XXXX XXXX XXXX THIS MESSAGE IS INTENDED FOR : XXXX XXXX XXXX OUR OFFICE HAS BEEN RETAINED TO MEDIATE PRELIMINARY ARTICLES OF INTENT PENDING AGAINST THE AFOREMENTIONED INDIVIDUAL IN XXXX XXXX. 

WE'VE UNSUCCESSFULLY ATTEMPTED POSTAL SERVICE TO THE RESIDENCE BELOW : - XXXX XXXX XXXX XXXX XXXX, SC, XXXX DOCUMENTS BEING FORWARDED TO THE A AUTO COMPANY FOR SERVICE. 
PROCESS XXXX WILL ATTEMPT SERVICE XXXX - XXXX XXXX XXXX - XXXX TO CANCEL, RESCHEDULE SERVICING OR ENTER STIPULATION, CONTACT XXXX. 
OFFICE PHONE : XXXX COMPLAINT NUMBER : XXXX I called them because it looks like a scam. They called my job and talked my boss and told her that they were calling from a lawyer office regarding my legal matter and she needed to sign for my paper to garnish my pay. I was horrified. I called the XXXX XXXX XXXX XXXX XXXX XXXX and spoke to XXXX XXXX and XXXX XXXX. They told me that I have a debt from 2003 from a repossession of a car for {$17000.00}. Unless I pay {$6500.00} today, they will serve me legal documents and garnish my pay. I asked them if I had a judgement because I didnt get any mail about curt day . He said that they were doing litigation but they were going to garnish 30 % of pay unless I pay the amount owed. He continued to tell me that they are aware that I have availability fund on my discover and XXXX XXXX credit card to pay for this debt. I told him that I am a widow that is dealing with a lot bills I cant afford to get in more financial debt with creditors. He hanged up and told me that since I dont want to pay for mu debt, they will ruined y credit and garish my pay. I told him that its illegal to garnish pay without curt order in the state of South Carolina ; also my debt was 10 yrs old. He threatened me and hanged up. I told him that I could lose my job if they continue to harass me. He threatened me with ruining me.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XX/XX/XXXX Account Number : XXXXXX/XX/XXXXAccount Number : XXXX XX/XX/XXXXXXXX Account Number : XXXX XXXXXX/XX/XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXXXX/XX/XXXXXXXX Date of inquiry : XX/XX/XXXX XX/XX/XXXXDate of inquiry : XX/XX/XXXX XX/XX/XXXXDate of inquiry : XX/XX/XXXXXX/XX/XXXXDate of inquiry : XX/XX/XXXX XX/XX/XXXXDate of inquiry : XX/XX/XXXX XX/XX/XXXXXXXX Date of inquiry : XX/XX/XXXX XX/XX/XXXX Date of inquiry : XX/XX/XXXXXX/XX/XXXXDate of inquiry : XX/XX/XXXX XX/XX/XXXX Date of inquiry : XX/XX/XXXXXX/XX/XXXX Date of inquiry : XX/XX/XXXXXX/XX/XXXX Date of inquiry : XX/XX/XXXXXX/XX/XXXX Date of inquiry : XX/XX/XXXX XXXX XX/XX/XXXXDate of inquiry : XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXDate of inquiry : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXDate of inquiry : XX/XX/XXXXXX/XX/XXXXDate of inquiry : XX/XX/XXXXXX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX of inquiry XXXX XX/XX/XXXX MXX/XX/XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : 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 2023-01-21
Company: EQUIFAX, INC.
State: NV
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reporting multiple fraudulent accounts without right. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acts of creating credit is not authorized by the constitution and laws of the United States, is unconstitutional and void, and is not a lawful consideration in the eyes of law to support anything or upon which any lawful rights can be built. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX reporting these accounts to my Credit file with the intent to swindle me into paying a note that is void is a violation 18 U.S.C 894 for attempting to coerce me to pay an alleged debt not owed is extortion and blackmail. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not give me lawful consideration only XXXX can create something of value from nothing. I now demand said persons to cease and desist from all communication including credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 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.

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 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 2023-10-07
Company: Experian Information Solutions Inc.
State: DE
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-08-04
Company: EQUIFAX, INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
This past summer, I received physical mail informing me of a promotional offer regarding opening a Wells Fargo checking account. 
Wells Fargo offered a {$320.00} bonus in exchange for opening an account and meeting the below qualifications : 1. Opening the account using their promotional link as found in my letter 2. Opening the account by XX/XX/XXXX XXXX. Connecting a direct deposit and depositing $ XXXX within three months I met all of the above requirements. I contacted Wells Fargo after meeting the requirements and they asked me to wait until the 3 months had passed for the bonus to deposit. The 3 months came and went but no bonus was deposited. 

I have since spent at least 10 hours on numerous occasions throughout XXXX and XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) on the phone with Wells Fargo customer service, in an online chat with their customer service, and to top things off, they asked me to come into a physical Wells Fargo location where they assured me they would be able to take care of this matter but did not - complete waste of my time. 

They have now closed my case claiming there was no promotional offer found on my account and that I must not have used their promotional link. I absolutely did. The link was " XXXX XXXX' and I would not have signed up for an account without ensuring I used their link. 

This is actually the second time Wells Fargo has reneged on a sign-up bonus. I had a similar experience opening up a credit card with them a couple of years ago and I was hesitant to now sign up for this offer as well, only for my fears to be confirmed.

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 2021-07-09
Company: Experian Information Solutions Inc.
State: IN
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 have 50 hard inquiries and I only made 10 of them. I have collections that are not mine. I have open accounts on my credit report that are not mine. I have addresses that I have never lived at. I have closed accounts that are not mine. I have names that are not mine. I sued in small claims and won and they still wont fix 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 explanation
Consumer complaint received 2021-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Sent the attached letters about 50 days ago. I just dont understand why the credit bureaus are not taking responsibility to protect me as a consumer and make sure my credit report is up to date and showing accurate information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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: Account status incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-08
Company: Experian Information Solutions Inc.
State: NY
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 never open an account with XXXX XXXX XXXX and I should not have a inquiry from. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX this needs to be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to REMOVE the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to REMOVE any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the inquiries which were being posted to my reports. Here is the list of inquiries which do not belong to me or were opened without my permission : EXPERIAN : 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES must 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 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 2023-05-02
Company: CrossCountry Mortgage LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Crosscounty mortage LLC left open permit on my house, after i closed on a fha loan. The old owner left permit open XXXX from XX/XX/XXXX for a reroof and XXXX windows, that never was completed. I brought the house in XXXX XXXX. There was also a fire that was never reported. The appraise was done in one day, and the house dosent look like the picture that on the net. Also from the old owner not fixing the roof, i have XXXX demages from the roof note being right. Also nail are coming out of the roof, and the whole house has water damage from the roof installation is wet from the roof. The ceiling and wall are swelling, cracking. The floor are real oak wood that the old owner glued together, and now the floor is caving in, and the foundation has moved caved too. There mold in the kitchen from cabinets that they pained. There a mold smell in one of the rooms.I from appraise, and home inspection, but didnt get the until after we closed. There was a flood were the pipes bust.I talk to my loan person, and crosscounty didnt care. Also the electrical box is on the ground, and i have electrical problems all through the house. Also my barn structure is about fall down, and it has electrical problem as well. This a fha loan. this should have happened. Only been in the house 3 years

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
THE FOLLOWING ITEMS HAVE BEEN MADE BY TRANSUNION ON MY CREDIT REPORT. I HAVE NOTIFIED THEM THROUGH MAIL ABOUT THESE ERRORS AND THEY HAVE NOT BEEN REMOVED. THEY ARE IN VIOLATION OF THE FCRA AND NEED TO BE HELD ACCOUNTABLE. 

XXXX XXXX Account Number : XXXX You are reporting that there Is a " balance '' of {$760.00} and " Past Due '' amount of {$180.00}. it cant be both. Delete. You also are reporting late payment status is " 120 days late '' but XXXX shows " 150 days late '' it can not be both when you also report Late Payment Status is only " 30 days late ( 1 time ) It can not be late 120 days and only have ( 1 ) 30 day late payment at the same time. 

XXXX Account Number : XXXX You are reporting there is a " Balance '' of XXXX and a " Past Due '' amount of XXXX It can't be both. Bureau Code says " Authorized User '' on a " charged off '' account so it should removed because the account does not belong to me. 

XXXX XXXX XXXX Account Number : XXXX You are reporting this account has a " past due '' amount and " balance '' but the payment status shows is " charged off ''. It can not be both. You are reporting ( 1 ) 30 day late payment and the other credit reports do not report any late payments. It can not be both. You are reporting " date of last payment '' XX/XX/XXXX but XXXX  and Transunion show XX/XX/XXXX..It cant be both. 

XXXX XXXX Account Number : XXXX You report there is a " Past Due and Balance '' of {$11000.00} but this account is " Charged off '' at the same time. it can not be both. You are reporting ( 1 ) 30 day late payment but transunion shows no late payments. It can not be both. You are reporting " Date of last payment '' different from XXXX  and XXXX. It can not be both. 

XXXX XXXX Account Number : XXXX You are reporting a " balance and past due '' amount of {$1000.00} but this account is " Charged off '' It can not be both. You are reporting ( 1 ) 30 day late payment but the other credit bureaus report 0 late payment status. it can not be both.

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 2021-10-22
Company: EQUIFAX, INC.
State: NY
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:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

Company response to consumer: Closed with explanation