BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-27
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have 2 addresses that were never mine reporting to my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2017-12-30
Company: CMK Investments Inc
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a loan at an XXXX XXXX XXXX store in XXXX, Wisconsin and then the store closed. They never notified me that the store closed. Then they took money out of my bank account also without any notice and they had never done that before. So I drove by and found out the store was closed. Then I received my contract back, paid in full XXXX XXXX XXXX. After that, another company ( XXXX XXXX XXXX ) took money from my bank account. I disputed the debt and requested debt validation by certified mail within 30 days of discovery, which was accepted by XXXX XXXX XXXX on XXXX XXXX XXXX. I also asked in the certified letter to only be contacted by mail. Since then I received an email from XXXX XXXX XXXX with the XXXX XXXX XXXX  contract with the XXXX XXXX name superimposed on it. And now XXXX XXXX XXXX is calling me at home and at my work and they threaten to keep calling my work number. 
Both companies are claiming the same debt which is why I requested debt validation in the first place.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: Ditech Financial LLC
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
There was a notice sent regarding the home being sent to foreclosure, but the letter only listed the date and time. The notice did not include an reinstatement amount. The reinstatement amount was sent on  XXXX / XXXX /   2017, less than 48 ho urs before the said foreclosure sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: AA Recovery Solutions, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I received a call from a XXXX XXXX on XX/XX/2022 from AA recovery solutions XXXX. He said he was looking for XXXX XXXX and that I may go by XXXX XXXX, which is incorrect. He left a voicemail and then immediately called XXXX  XXXX  my daughters ; XXXX XXXX and XXXX XXXX. He told them he was trying to reach me in regards to a debt and asked if my maiden name was XXXX, which is totally incorrect. I called him on my break while I was at work. I told him the information was incorrect and he could send anything to me in writing but to not call me or anyone else in my family. I also told him not to call my children again. I never received anything in writing from him and today XX/XX/2022, he called my daughter XXXX XXXX and left another voicemail on her cellphone in regards to reaching XXXX XXXX or she may go by XXXX XXXX in regards to a debt from AA recovery.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: Experian Information Solutions Inc.
State: IL
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:
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX have started investigations based on the exact same request, I sent required ID information. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. Please investigate this pattern of gross violations of my rights. I plan to take legal action but I want to create a paper trail. 

The items in question are as follows : ACCOUNTS 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 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   XXXX INQUIRIES XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 2017-12-30
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX keeps repeatedly calling me. It is a recorded message they leave on my machine saying it is an attempt to collect a debt, however I do n't owe anything. When i have tried to pick up to speak to them, there is never anyone there. The last calls were on XX/XX/XXXX at XXXX, and XXXX and XXXX XXXX and on XX/XX/XXXX at 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 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion 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 XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion 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 transunion i 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 Transunion. 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 Transunion more than 21 times. transunion 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 n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE

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 2017-12-30
Company: WELLS FARGO & COMPANY
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Currently I have a loan with Wells Fargo; I have asked many times to lower my interest rate since my ability to pay has gotten more reliable.I also asked my Dad to be removed as XXXX I have imposed a burden on him for far too long and I stand on my own 2 feet.  I am now married with XXXX kids and a house; my ability to pay  should not be in question.A lower fixed interest rate would help me and my family immensely.Thank 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 non-monetary relief
Consumer complaint received 2017-12-30
Company: DISCOVER BANK
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Purchased merchandise from XXXX XXXX using Discover Card XX/XX/XXXX. XXXX records indicate delivery on XX/XX/XXXX. Merchandise was NEVER received. 
According to FCBA, I should not be charged for merchandise I did not receive. 
If XXXX did deliver the merchandise, then it must have been stolen, because I NEVER took possession of merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: Experian Information Solutions 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 information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2020-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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 have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX without 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 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. 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 XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX 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 XXXX  XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
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 checked my Credit Score using my bank app. All the loan information is incorrect. It shows Ive taken loan for a two wheeler, well I dont have a two wheeler. The other loan shows Ive taken for property, I dont own any property. Ive never taken a loan for personal or business. Please help me regarding this wrong information showing in my credit score portfolio. Thank 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 2019-08-01
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Discover Bank closed my account when I called them to inquire why my credit limit had been lowered! They admitted their error, but refused to reopen my credit card account!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: Experian Information Solutions Inc.
State: HI
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 are many mistakes appear in my report without my understanding.

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 2017-11-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I sent correspondence to Select Portfolio Servicing ( SPS ) notifying them of their violation ; of California Statue Limitations four years and my rights under the Servicemembers Civil Relief Act ( SCRA ). On XX/XX/XXXX responded to my letter stating they would reply ; no response was given except for foreclosure. 
First, violation by SPS I have a family member who is Active XXXX XXXX. He was enlisted in XXXX. I notified SPS of our rights under the SCRA and asked for them to stop Foreclosure proceedings on XXXX XXXX XXXX XXXXXXXX CA XXXX. XXXX proceeded with those actions and foreclosed on XXXX. In violation of our rights under the SCRA. 
Second, violation by SPS California Statue of Limitations for written contracts is 4 years. The last date of payment on this loan was XXXX. They filed the Notice of Trustee 's Sale on XXXX. In violation of California Code of Civil Procedure 337.2 4-year time limit ; no action shall be brought.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: Experian Information Solutions Inc.
State: NJ
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:
On XX/XX/XXXX    a request for my credit was made by   XXXX   XXXX   XXXX  . This is an inquiry on my credit report that needs to be removed.

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 2017-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On  XX/XX/XXXX     a request for my credit was made by   XXXX   XXXX   XXXX  . This is an inquiry on my credit report that needs to be removed.

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 2017-12-30
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On Friday, XX/XX/XXXX, my brother called me stating that American Express had called him phishing for information, where i work, whats my work number. He told them he did n't know me after a long period of time. I called American Express two weeks ago to explain to them I would be out of work on XXXX XXXX  XXXX due to XXXX XXXX. They did n't want to help me although I have been a valued customer since XX/XX/XXXX. I have been making payments on my account but not what they want. 
If I do n't have the money to pay the bills in full or what they want what am I supposed to do? I pay what I can and that 's not good enough for them. 
If they have a problem with me, calling family members is not going to resolve this issue. 

I am getting in touch with the Attorney General 's office of Florida to report this abuse. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: Coastal Credit, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
IN XX/XX/XXXX PURCHASED A VEHICLE WITH XXXX XX/XX/XXXX. I PURCHASED THE BEFORE I WENT ON XXXX WITH THE XXXX XXXX. WHILE XXXX WITH THE XXXX THE VEHICLE WAS REPOSED. I MADE SEVERAL ATTEMPTS TO MAKE ARRANGEMENTS WITH THE COMPANY WHEN I RETURNED FROM XXXX TO NO AVAIL. THE COMPANY REFUSED TO ACCEPT THE LAWS IN PLACE REGARDING XXXX XXXX PERSONNEL. THE VEHICLE WAS REPOSED IN XXXX AND THE COMPANY DID NOT SEND A LETTER OF ACCELERATION OR A PAYOFF AMOUNT. THE COMPANY ALSO NEGLECTED TO REPORT TO THE CREDIT BUREAU FOR A PERIOD OF 3 YEARS. IN XX/XX/XXXX THEY REPORTED THE REPO AS A NEW ACCOUNT DELINQUENCY, WICH HINDERED MY ABILITY TO REBUILD AS THE FCRA ALLOWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hunter Warfield started contacting me about a final statement from XXXX XXXX on the same date that the final statement was generated, including language that indicated that they would damage my credit if I didn't pay immediately. I paid XXXX XXXX directly, as I had no idea as to whether Hunter Warfield was a scammer or not. 

I told Hunter Warfield that they would need to verify that they were allowed collect on this debt. I never received verification. Unfortunately, I don't have it recorded, but when I was asking for this proof over the phone, the representative said something to the effect of " XXXX, are you XXXX? We're a collection agency, we collect on debts for XXXX XXXX. '' Requesting verification of a debt is not something that one should be condemned or talked down to for. 

I sent a written demand for verification and dispute to Hunter Warfield via certified letter and received delivery receipt.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Experian Information Solutions Inc.
State: PA
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 has removed the inaccurate XXXX Account from my file. Can you please do the same. 

Thank 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 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 Account XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : 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 2022-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX, I applied for an account with basically perfect credit with Capital One. They pulled all three credit agency reports and denied by card because of a single inquiry on one of the credit reports. I asked for a reconsideration, got the same form letter with the same explanation. 

Obviously, my credit scores have been slightly damaged by this for nothing in return. I'm not sure if I am being discriminated against for some other factor, but I have be unable to get a response from the company to identify why a single inquiry on a single credit report with XXXX scores, clean payment history, and low percentage of credit card usage is being denied. If I can't get this card, who can? Unless some other discriminating factor is at work, which I believe there almost has to be at this point. 

On XX/XX/XXXX, I spoke with a supervisor that couldn't offer me additional information on why someone XXXX with my scores and background would be declined.

Company response to consumer: Closed with explanation