BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-01
Company: Experian Information Solutions Inc.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX XXXX  : XXXX, XXXX  XXXX ; XXXX  XXXX 15 USC 1681 section 602 A. States I have a right to privacy.

15 USC 1681 section 604 A section 2 Also, it states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 conviction of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know 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 explanation
Consumer complaint received 2022-06-03
Company: Experian Information Solutions Inc.
State: AZ
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Affirm Holdings, Inc
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On or about XX/XX/2022 I had a credit availability of close to {$1700.00} and now there is no availability, but I have been paying everything on time and paid off some loans early. They are discriminating against how to get credit to make large purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: Freedom Mortgage Company
State: MA
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 have a relationship with credit monitoring companies : 1- XXXX XXXX 2-XXXX XXXX Several times over the last few months, I received notifications from both companies, alerting me, that Freedom Mortgage had made " hard inquiries '' into my credit file. 
This has been without my consent. 
I contacted the company numerous with attempts to question why, and I had not completed a application the times the inquiries were made ( XXXX, XXXX, XXXX, XXXX-twice ) In XXXX I connected with a person who identified his self as XXXX, a manager in Client Services, who spoke with me on a recorded. 
XXXX confirmed the problem was real, and it had been happening to others. 
I asked XXXX where did you get my information from? He stated, XXXX sold them my social security number, but they should not of made the hard inquiry without my authorization or an completed application on file. 

XXXX, said the problem would be escalated, and the inquiries removed immediately, but I would hear back in 24 hours from the sales Manager, this never happened. 
although XXXX provided his phone number, he never ever took any further calls from me, as I attempted to reach him afer " not '' hearing from the infamous Sales Manager with no name. 
After checking back with the credit bureaus suddenly the inquiries disappeared frm XXXX, to only reappear on XX/XX/XXXX. 
After many attempts I was able to reach someone that identified themself as a sales Manager named XXXX XXXX, Who said he too would look into. 
He also provided an email address, and ask for proof which was sent to his email. 
I have not heard back from Mr. XXXX either this was a week ago. 

My Husband has experienced the same.

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 2023-11-03
Company: Comerica
State: AL
Product: Prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
They~ allowed a 3rd party to steal my SSI benefits for my children. Who are XXXX! I caught it in time on the XXXX of XXXX! After trying to pay for something, card was declined! Told them to stop the fraud transaction, because I caught it in enough time! They refused to block the transaction! The company already has a class action lawsuit for stealing benefits from the federal government! The company in question who they must be dealing with is out of New York. This company has been in business only 9 months! No one would spend {$1900.00} dollars and another {$690.00}, on a company who has not been around longer than that! I even called this company to tell them XXXX XXXX in New York to stop this transaction because it was fraud. Was not my transaction. They too, allowed it still to go through! So Cormerica Bank Direct Express are working togther! Knew it was an inside job! There is no way it can not be an inside job. Especially since I told both parties to deny these 2 transactions, worth {$2400.00} dollars! Suffrring hardship because of their theft! Filing my own lawsuit against both of these thieves! They both refused` to stop these transactions. So they can share the money! Did my research and found out through the XXXX  complaints, that their stealing milluons of federal benefits! Need my money back asap ' for my children. Can not buy them anyrhing! Cried all night on XX/XX/2023! They had me begging ' for my money! Asked for a provisional credit '' they denied me of this credit! Been with them for at least XXXX or so years! At risk of losing a lot because of the fraud! These transactions were in pending, so they could have stopped these 2 transactions, totaling {$2400.00}, they refused! Cause they needed my money more than me! Pathetic!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-03
Company: Experian Information Solutions 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:
Hi I am submitting this XXXXXXXX XXXX  XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX XXXX spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2019-09-10
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filed a bankruptcy in XX/XX/XXXX My mortgage orginated in XX/XX/XXXX and I have made payments consistently from the origination, through the bankruptcy and to date.

Wells Fargo claims they can not report my payments or mortgage as my loan was not " reaffirmed ''. My bankruptcy lawyer says it was Wells Fargos decision and that they often do this to clients.

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 2022-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2023-11-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of this account being late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report. I take this matter seriously, and I expect a thorough investigation into this dispute as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, and 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 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$16000.00} ), XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, Credit limit {$800.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$37000.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$23000.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$27000.00}, XXXX XXXX  XXXX ( Date Opened XXXX. XXXX, XXXX, Balance : {$8300.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$29000.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$9900.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$9200.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-06-20
Company: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was notified by a credit card company that keeps up with my credit score that there is a derogatory mark on my credit score. I looked and there is a {$230.00} charge and the company stated is Southwest Recovery Service. I have tried to call them several times and I am only getting a voicemail.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We financed our mortgage through XXXX XXXX  and had our homeowners insurance through XXXX ( the policy was brokered and serviced through XXXX ). Our mortgage was sold from XXXX XXXX to Wells Fargo sometime last year. Evidently in the process of acquiring our mortgage Wells Fargo was not able to set up payment to our insurance company through our Escrow ( which is how we had it set up with XXXX XXXX ). We received notice in XXXX of XXXX that our policy was going to be cancelled due to non payment on XX/XX/XXXX. We contacted both XXXX and Wells Fargo XX/XX/XXXX. We advised XXXX that Wells Fargo had purchased our mortgage and gave them our mortgage information, we advised Wells Fargo who our insurance company was and gave them our policy information. We were told by both companies that there was nothing further that we needed to do and we also received a declarations page showing the renewed policy on XX/XX/XXXX. The effective dates of this policy were XXXX XXXX XXXX 

We received notice from Wells Fargo early this XXXX that our homeowners was set to expire XX/XX/XXXX and they were not able to confirm it was set for renewal. We contacted XXXX and they advised that the policy was cancelled XX/XX/XXXX. This was just 3 days after we contacted them to make sure it was set up correctly. They advised it was cancelled due to non-payment. Evidently Wells Fargo sent out payment for the full year on XX/XX/XXXX and XXXX received it on XX/XX/XXXX. XXXX said since they did not receive it by XXXX they took payment for the 2 months or so that we were covered, refunded the rest to us and left the policy as cancelled. We were not notified at this point as they thought the cancelation they sent out prior was sufficient. They said they sent us a refund of the difference to our home. We did not see the check. Perhaps we never received it or we just did not notice it when it came in the mail. We also never saw a cancellation notice. We are not denying that they sent it ; we may have not noticed it when we received it. This check was never cashed because we did not know we received it. 

Now Wells Fargo is trying to get us to pay for almost a year of replacement insurance because of the " lapse in coverage '' and XXXX will not even offer us a policy because of the same reason. We have asked both companies for an internal review and both have said they handled the situation correctly and will offer us no indemnity. I contacted an attorney to see how to remedy the situation and they advised me to put in complaints to the XXXX Attorney General. The Attorney General advised us to contact ConsumerFinance.gov. We currently own 3 homes and we have never missed a homeowners insurance payment on any of our other properties. This situation was simply completely screwed up by both Wells Fargo 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
Consumer complaint received 2021-08-29
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is incorrect, inaccurate, and unauthorized information on my credit report that violates my right to privacy and ruins my reputation. And it has to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: PLS GROUP, INC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
Good afternoon, I bought a money order to pay my mortgage on XX/XX/2022 ; it was for {$650.00}. 
Mortgage company shared that they never got it. 
I went back to the money order business and they were able to trace the money order. It had been stolen out of the post office mailbox and altered. 
I have a copy of my original ; they furnished me with a copy of the altered money order. The altered money order was deposited, bank account info is right on the back of the copy of the cashed money order. 
My money order was made out to XXXX XXXXXXXX XXXX ; the altered to XXXX XXXX. 
The money order store has noted, " Money order was payable to XXXX XXXXXXXX XXXX but it was altered and cashed by XXXX XXXX. '' I had been visiting the money order store over XXXX a year now and am being told that " it's being investigated. '' I would like my {$650.00} back. All the information bank number, account number, etc. is evident with the copies. 
I'm not clear on the delay with the investigation. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have attached a letter with a Collection account reporting an Open account with is illegal per the FCRA.

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 2018-05-22
Company: Experian Information Solutions Inc.
State: MS
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 ex-husband and got divorced in 2015. We had a business together, including a business loan. After divorce was final, I was removed from the loan by the lender. All other credit reporting agencies removed this account from my report except Experian. After being denied a mortgage loan, I found out that Experian was still reporting this, along with approximately twelve 30-60 late payments. I disputed this with Experian and they have now removed it but it should never have happened. It was an error on their part that caused me embarrassment with my bank and also caused me to lose the chance to purchase a home.

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 2023-11-12
Company: LEXISNEXIS
State: FL
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:
This notice is to inform you that you have broken law. You are unlawfully reporting unauthorized accounts on my consumer report that has violated my federal protected rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given permission to furnish anything on my credit profile. You have violated me pursuant to 15 USC 1681 ( b ), the permissible purpose of my consumer reports. You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to Aggravated Identity Theft pursuant to Title 18 U.S.C felony punishable 102BA. You have knowingly transferred, a felony punishable with up to 2 years of imprisonment, in addition to civil liability up to {$1000.00} per violation. You are also in violation of 15 USC 1692g. My instructions are for you to delete these accounts immediately. 

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Credit Inquiry : XXXX XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation