BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-07
Company: EQUIFAX, INC.
State: WA
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:
XXXX XXXX is trying to collect on a debt that they can not verify. The debt was already unverifiable with XXXX and XXXX. XXXX XXXX  is still illegally reporting to Equifax a debt they can not verify. Equifax themselves said they do not keep records, so how can equifax keep reporting this account?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
This is a follow-up complaint to # XXXX Wells Fargo stated they would close my Time Account without penalty. However, the funds from that account ( {$6500.00} ) is mysteriously missing. I have called and been placed on hold by 6 different departments. No one knows anything. I need your assistance.

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 2023-03-06
Company: EQUIFAX, INC.
State: AL
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 act XXXX account XXXX XXXX  # # # # XXXX # # # # XXXX has violated my rights Kick off account # # # # XXXX XXXX XXXX account # # # XXXX XXXX XXXX  # # # XXXX XXXX XXXX # # # XXXX XXXX XXXX # # XXXX XXXX XXXX # # # XXXX XXXX XXXXe # # # # XXXX XXXX XXXX XXXX # # # # XXXX 15 U S C 1681 section 602 A I have the right to privacy 15 U S C 1681 section 604 A section 2 a consumer reporting agency can not furnish a account with out my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
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:
CHECK FOR METRO 2 REPORTING COMPLIANCE versus alleged data that is NOT YET PHYSICALLY CERTIFICATED as FULLY TRUE, ACCURATE, COMPLETE, TIMELY, MINE, MY RESPONSIBILITY or adequately displayed as MANDATED by every and one even each any and or all laws, mentioned or NOT.

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 2020-11-20
Company: EQUIFAX, INC.
State: TN
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:
Credit reporting agency is reporting inaccurate information on my credit report. I requested that this information be investigated and removed on XX/XX/2020. I has been 30 plus days and I have not heard anything from the credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am unable to gain access to my mortgage information online. I have called Newreez mortgage support line on at least 6 occasions over the last 3-4 week trying to get access to my online account for loan for my property in XXXX XXXX, Md. In a call about 7-10 days ago I was told a ticket with IT would be opened and would be resolved in 2-3 days. I called back days later and they told me it takes 5-7 days to resolve IT tickets and that someone would call me. Non once contacted me. I called back on XX/XX/16, which was more than 7 days form my last call, waiting 20 min on hold for someone to pick up the phone. The person who I think was XXXX XXXX, said he would check the status of the ticket. He then transferred me to collections instead. A woman in collections named XXXX said she did not get a warm hand off and had to verify me again. She also did not know how to check on the status of an IT ticket and instead opened another ticket. She told me the ticket number was XXXX. 

The quality of support that I have received since NewRez took over my mortgage a month ago has been horrible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: EQUIFAX, INC.
State: MS
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 recently had a change in my credit report with Equifax after inquiring about a " closed date '' that wasn't be reported however after doing so the " balance date '' on several US Dept of Education Loans was updated to XX/XX/XXXX which looks as if this account was recently settled. That of which is not the case as they were settled on XX/XX/XXXX as noted in the attachment ( Credit Reference Letter ). I have attached two credit reports noting the changes as well. This change it date makes it appear that I in default/delinquent until XX/XX/XXXX which has impacted my credit score significantly. 
I have attempted in good faith to resolve this matter with Equifax and US Dept of Education however the numbers provided for the Dept of Education are non working numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: First Credit Services Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: ID Analytics, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This company Sage stream, I have never heard of and have NEVER done business continues to request my personal identification saying I requested a security freeze on XX/XX/XXXX but that is an absolute LIE by Sage Stream! I have repeatedly said that I didnt request that. 

They refuse to add me to the DO NOT CONTACT list/opting out of all contact because again I have never done business with them and never will. 

Why would I send my personal identification to a company that I have never done business with? 

Federal law makes clear from the Telephone Consumer Protection Act, to the XXXX XXXX, to the Fair Debt Collection Laws, that I dont have to provide identification to demand that a company cease all contact. 

Sage Stream violates federal law by insisting on identification to opt out and do not contact which violates federal law. 

I have asked them for an address to serve them with a lawsuit for violating my rights and they refuse to provide it. 

But yet they feel they can ask for my personal identification documents when I have never done business with them and did NOT initiate a security freeze on XX/XX/XXXX like they falsely claimed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Wells Fargo charged a deferred 12 months interest to my account. 30 % of my principal balance. I was told when I signed up for the card that I would have no interest for 12 months, and then it would start to begin incurring interest in the 13th month. I was never told and it was never explained to me what deferred interest was or that that was the terms of the card that I signed up for. 3 weeks ago I noticed a charge for 72 % of my remaining balance. I called Wells Fargo, who told me there was nothing they could do because I did not have any issues with my mailing address, even though I never received any notices stating any of this information. I am still within 30 days of the charge as of today. I feel like I have been duped into paying much more than I ever would have agreed to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-07
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2019, I requested a reinstatement quote from Ocwen for {$22000.00}. Before this, we received notification Ocwen was turning over their mortgage practices to XXXX as of XX/XX/XXXX. The reinstatement quote I received for {$22000.00} stated it was good until XX/XX/2019. When I called Ocwen on XX/XX/2019 to ask if the wire transfer information listed on the statement would be valid until XX/XX/2019 I was told by the agent that it would be. Today, I am ready to pay the reinstatement amount. To double check the wire transfer information, I called the Ocwen number, which is now answered as XXXX. When I inquired about the reinstatement amount, I was then informed the mortgage information was turned over to XXXX XXXX. When I called the number XXXX gave me for XXXX XXXX, it was an automated message for XXXX XXXX. After going through three different menus, I was finally given an option for XXXX XXXX. When I spoke to the operator, I was told they would need time to research the reinstatement amount and the quote I had was no longer valid. I was told they would email this information to me some time next week. Now the risk of foreclosure looms instead of being able to handle this today. I want to pay the amount due as per the reinstatement quote I was given. Nothing was stated in any of the mortgage transfer information concerning reinstatement quotes no longer being valid after XX/XX/XXXX. Instead Ocwen says any monies due on or before XX/XX/XXXX should be paid to Ocwen. The reinstatement amount directly deals with monies due on and before XX/XX/2019 in the amount of XXXX, XXXX. They should honor this amount and the reinstatement quote given.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Receivable Recovery Services, LLC
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This account was put on my credit report twice after it was removed. i called the credit bureaus and they aid it looked like the account number was changed and dates that it was opened was different as well. So I opened up an investigation on those accounts. and they are reporting as closed now and paid but they are not suppose to be on my report at all. Also Receivable Recovery. I have reached out to them numerous times in regards to some medical collections that is on my report. Those accounts were paid to the original creditor which was XXXX XXXX by XXXX. I 've asked for this account to be looked into and removed off my report but its like they are not going into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
In XX/XX/XXXX, I wrote a TransUnion a letter in good faith requesting they delete inquiries on my credit report that were previously deleted and re-added after computer glitches in XX/XX/XXXX and again in XX/XX/XXXX. The two glitches were the problem and error of TransUnion. By not giving me 5 days notice they were re-adding the deleted inquiries back on my credit report, they violated my rights. They responded with a letter denying to remove the inquiries. The deleting and then re-addding due to their glitches has caused a hardship for me along with violating my rights. I asked for the CFPB to help stop TransUnion from continuing to victimize me by requesting all the TransUnion inquiries be deleted from my report by already submitting one complaint on this issue. TransUnion responded to the complaint and again refused to delete the inquiries they added back on my credit report without giving me the proper notification before doing so. In response to this, I refuse to accept the results! TransUnion should not be allowed to mock the CFPB 's authority and continue to victimize me by ignoring my rights!

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 2019-06-07
Company: Experian Information Solutions Inc.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
About 9 years ago we contacted all three credit agencies with a dispute about a charge off from XXXX XXXX XXXX. We just found out XXXX of 2019 that the charge off was still on experian, not the others. Our bank was showing a credit score of XXXX and experian was showing a XXXX. Nine years ago we sent all three reporting agencies a copy of a letter and a substantial check, apologizing for the mishandling of our account. Yesterday we sent experian the copy of two more checks from a class action suit against XXXX  XXXX XXXX.US District Ct. XXXX District of NC. We filed a dispute with experian and added the copies of the new checks with a letter. Experian sent an email today saying to check the status of the complain. I was unable to sign in and tried several times. The options do not cover disputes. Upon signing in with new PW, I was prompted TO BUY their services. I never got to the dispute.

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 2020-11-18
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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-05-16
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am being discriminated against by Credit Acceptance. The  discrimination is based on several factors. 

I supplied with Credit Acceptance full acknowledgement they received payment on a timely notice, then why not correct the error. 

Upon researching, I observed these biases are predominantly present within the lower socioeconomical buyers. This is applauding as to the terms within the contract. Its as if though I am helpless against big corporations such as credit acceptance refusing to treat buyers fairly and just. 

Its noticeable within some contracts within the less fortunate population payments are often reported late when on time. Due to it being a second chance finance company it takes full advantage on this premise. 

Initially the complaint was deemed unnecessary however to date, I have never received my title for this car. As per XXXX law I am Suppose to have this title. 

My vehicle has been parked for three months due to me not receiving the title for this car because its not able to be driven. 

I advised, I needed to obtain the title for insurance and registration purposes. 

To date, I have not received the title. The Company quickly adjusted the balance and after the complaint was closed changed the amount back. 

They are practicing discrimatory practices. There is no disputable fact, they received payment for those months on time. 

The company refuses to ensure they report accurately report such payments.

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 2019-06-07
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: Account information incorrect

Complaint:
Experian Credit.Reporting agency is reporting debt that has been resolved. The other credit bureaus do not include these accounts in my total debt. I have tried everything to fix this filing disputes etc. The debt they still include ... this was last updated by them XX/XX/XXXX XXXX XXXX   XXXX 2 accounts Experian will not remove XXXX-beginning with balanceXXXX This was settled and is XXXX $ XXXX-beginning with balance {$16000.00} This was settled and is XXXX $ XXXX balance XXXX this account is with a collections agency and payments have been made on time {$200.00} since XX/XX/XXXX All of these accounts show I have huge minimums due but Experian is the only one that reports this

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 2020-11-18
Company: Experian Information Solutions Inc.
State: PA
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 like to file a dispute for the following accounts. XXXX XXXX, XXXX XXXX {$2900.00}, XXXX XXXX XXXX XXXX {$780.00}, XXXX XXXX XXXX XXXX {$1600.00}, XXXX XXXX XXXX XXXX {$610.00}, XXXX XXXX XXXX {$3700.00}, XXXX XXXX XXXX XXXX XXXX {$2700.00}, XXXX XXXX {$12000.00}. These accounts are all fraudulent accounts. I have reached out to these creditors inquiring about these accounts and have ask them to provide me information on when these accounts was open, how was they open, what address and what type of information was used to open these accounts. These creditors stated either they have to find the information or they could not provide that information as some of these items are old. I have never opened up any accounts with these creditors and I believe these accounts was open up fraudulently in my name. The following inquiries are also fraudulent as well. XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/XXXX, XXXX Inquiry date : XX/XX/XXXX, XXXX/XXXX Inquiry date : XX/XX/XXXX, XXXX Inquiry date : XXXX  XXXX, XXXX, XXXX Inquiry date : XX/XX/XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/XXXX, XXXX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX, I have attached a copy of my Identity Theft FTC Report. The report number is 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 2021-08-09
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: Information belongs to someone else

Complaint:
XXXX XXXX DELIQUENCY ALERTS FOR XXXX XXXX : XX/XX/2021 : XXXX XXXX XX/XX/2021 : XXXX XXXX XX/XX/2021 : XXXX XXXX SPOKE WITH COMPANY ABOUT UNRECOGNIZED CHARGES WHICH I DID NOT AUTHORIZE AND COMP Y STATED THEY WERE NOT ABLE TO LOCATE AN ACCOUNT WITH MY EMAIL, PHONE, ADDRESS, OR NAME. THESE ARE FRAUDULENT CHARGES AS I HAVE NOT DEALT WITH THIS COMPANY OR PURCHASED ANYTHING IN THESE AMOUNTS. 

THESE ALERTS WERE REPORTED TO EXPERIAN.

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 2020-12-07
Company: BMW Financial Services NA, LLC
State: WI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My previous complaint was closed, XXXX, but not resolved to my satisfaction. A small amount was deducted but my point was not addressed. I received a notice for the first time 8 months after the leased vehicle was returned and was refused to be present. This should not happen and now BMW expects full payment in 2 weeks.Also the online amt due is not reflected to what it was adjusted to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
XXXX has pulled my credit 10 times on my all of my store cards then proceeds to reject my credit limit increase requests stating that they werent able to pull my credit. I now have over 10 inquiries from them for them, and theyre fraudulently saying they were unable to pull it. The accounts that were pulled were XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX.

Company response to consumer: Closed with explanation