BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-06
Company: EQUIFAX, INC.
State: HI
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 contacted XXXX finance in 2018 and provided a court order to remedy my dispute. XXXX returned a vehicle to the possession of my ex husband that was titled under my name following a repossession. I was not made aware of the transfer of this property back into his care and obtained a court order stating that my ex husband would be entirely financially responsible for the vehicle, at which time he was ordered to retitle the vehicle under his own name and remove my name from the title. XXXX financing was provided with copies of this order on two separate occasions, and a formal dispute was filed. However, XXXX financing refused to honor the court order and placed this negative debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: BANK OF THE WEST
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I applied for a loan on XX/XX/XXXX. I received a response the application was received and I would hear back in 3-4 days. I never heard back. I received notice in the mail my credit had been pulled and my credit score was over 800. I have not received an approval or denial letter or phone call. It's my understanding they are required to notify me one way or another to be in compliance with the law. Today is XX/XX/XXXX and I still have not heard back. I've tried to call multiple times and I sit on hold only to be hung up on eventually. I emailed with no response. I feel this is not a legitimate operation and I'm concerned I've given my NPI info to an unworthy party. I take my personal information and credit very serious. 

The company name is Essex Credit and division of Bank of the West.

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 2023-03-31
Company: Velocity Portfolio Group
State: WA
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:
Velocity Investments LLC contacting me about owing a debt to XXXX and I requested a debt validation letter via the mail on XX/XX/2021. I did not receive it and have been receiving calls about it instead. I have the Certified Mail Receipt verifying that I sent it to Velocity Investments. 

They sold it off to XXXX, XXXX XXXX XXXX, XXXX so they could get around this. I requested another debt validation letter but I feel I am entitled to be responded to in a timely matter, so I could make arrangements for payment if I received the letter of validation.

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 2018-05-15
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: Credit inquiries on your report that you don't recognize

Complaint:
Bureau is refusing to remove inquiries that were obtained without my permission, I have sent them numerous requests asking to remove them and they have not ; so I'm filing this complaint against them for unfair credit reporting XXXX XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX inquiry from  XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX   XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX inquiry from  XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Square Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have XXXX in my cash app for my car payments and now its frozen I cant pay my car I cant cash out I cant transfer money to my bank my cash app is completely frozen again this is my car payment that has to be made Im behind 2 month due to the covid-19 and this payment was very much important Ive tried everything complaints costumer service customer support and noone has reached out I need this matter resolved and my money into my acct as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
In 2005 I was scheduled to close for a loan from Wells Fargo, I was involved in a car accident on the day of closing for my loan where I was rear ended while sitting at my a light at 50 miles per hour, and I was getting my XXXX XXXX as a result of the accident at XXXX XXXX XXXX. The Loan officer called office then my cell phone and said they needed these docs signed today. The loan officer told me her name was XXXX XXXX that I needed to sign docs or my loan would be not be available. I was in the hospital when the loan offices came there, and I had to sign their doc package, three people came to the hospital.. They brought flowers and said thank you. After I left the hospital I complained to Wells Fargo with no resultion or response. I went to Wells Fargo to speak to XXXX and they told me she was no longer there. The reason I want this looked into is because I have made so many payments and the balance stays the same. Please help me to resolve this matter. I just get ignored

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 2019-03-07
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:
I am disputing my Principal Mortgage Balance that XXXX XXXX XXXX is reporting. There are three issues in question. 
First Issue : XX/XX/XXXX I received an alert from Experian Credit Bureau that XXXX XXXX reported a Balance Increase XXXX XXXX, to {$280000.00}, the previous balance was {$280000.00}. 
Second Issue : XXXX, XXXX, XXXX XXXX XXXX XXXX - XXXX Mortgage Interest Statement stated the Outstanding Mortgage Principal was {$280000.00} - Principal applied {$2700.00} bringing the balance to {$280000.00} ending Balance. 
Third Issue : XX/XX/XXXX Mortgage Statement reports the Principal Balance to be {$280000.00} with Principal & Interest & Escrow total Amount Due {$1000.00}. 
XXXX I received a letter from XXXX XXXX XXXX and learned that XXXX XXXX XXXX transferred my mortgage to XXXX XXXX XXXX. XXXX XXXX XXXX  is reporting a negative escrow shortage of {$200.00} I want a full accounting detail to explain the mortgage increase that XXXX XXXX XXXX reported to Experian Credit Bureau. I want an full accounting detail to explain the Principal & Interest & Escrow Shortage.

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 2023-05-15
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2023-03-31
Company: Park Hill Holdings
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 was denied a apartment based off of XXXX XXXX XXXX report stating that I have a landlord debt of {$370.00} when in fact the debt they are listing as a landlord debt is a cable company XXXX, XXXX XXXX XXXX reporting this information incorrectly is preventing me from obtaining a safe place to live, XXXX is providing this incorrect information to Safe Rent Solutions which is preventing me from getting 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 2020-09-14
Company: EQUIFAX, INC.
State: MD
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:
THESE ACCOUNTS ON MY CREDIT REPORT DO NOT BELONG TO ME. THEY ARE FRAUDULENT ACCOUNTS THAT DO NOT BELOGN TO ME. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: IN
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-14
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Back ib XX/XX/XXXX i was running out of money in my account and my only income was Social Security which at that time was {$1400.00}? a month do not remember the exact and my mortgage payment was {$1200.00}. 
They offered me to pay {$1000.00} which is only {$51.00} dollars different which will not work. There were several conversations and nothing was being done to assist me. 

I went to XXXX XXXX thinking maybe they could help as web site says they work with mortgage companies to reduce payments. 
33 pages and bank statements, tax returns, my bills i pay every month was not working. 

Over and over things was sent from to lawyer should have arrived at Wells Fargo? 

I uploaded all of those things in my email for proof. No one wanted to talk to me at Wells Fargo as they refused to deal with me a i had a lawyer. 
Now i am probably going to be set out on the street XXXX  and no place to go. 
This is supposed to be done by XXXX  on XX/XX/XXXX or XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
As part of financial legislation signed into law as of XXXX, XXXX, consumers could go to the websites of the three major credit reporting bureaus to freeze their credit files beginning XXXX XXXX, XXXX. On that date I went to the websites of XXXX, XXXX  and Equifax. At XXXX  and XXXX I was able to freeze my credit files on my first attempt. Since XXXX XXXX, XXXX I have gone multiple times a day to Equifax 's website only to read a screen stating that being able to freeze my credit files was temporarily unavailable to me. It is now XXXX, XXXX, XXXX and I still can not freeze my credit files at Equifax. I have tried calling Equifax numerous times only to be put on hold for approximately 1/2 hour and then being disconnected. 
What has to be taken into account is that Equifax was hacked in XXXX where the personal data of between 143 & 148 million consumers was stolen, leaving them to vulnerable to identity theft and fraud. Who's to say I wasn't one of those millions, which is why this problem of me being unable to freeze my credit files at Equifax has to be resolved without delay. Being a senior citizen living on a fixed income, I neither have the resources or good health to be able to defend myself from the fraud that always follows being a victim of identity theft. My daughter was a victim of identity theft and fraud and it was a nightmare that lasted for years before it was finally resolved. 
I am asking that the power of your agency be used to immediately reach out to Equifax to have them fix their website so consumers can freeze their credit files. In my opinion, Equifax is breaking federal law by not allowing consumers to freeze their credit files at their company 's website as written into the financial legislation of XXXX, XXXX. Thank you in advance for your attention to this extremely important matter. I look forward to your response in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Experian Information Solutions Inc.
State: AL
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 writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2019-03-07
Company: First Technology Federal Credit Union
State: NJ
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:
i applier for a c.c. with first tech fed. cred. union ; i submitted income of about XXXX or so a year ; they approved me for XXXX credit line, wioth 12 months no interest on balance transfers they requested proof of income ; i told them i included in the amount the rental income from my basement, which i could not provide proof ; but i submited a w2 for XXXX with income of {$99000.00} ; Then they denied my application ; i could understand if they reduce the credit line, but i don't think it was fair they denied the claim entirely ; see below email with aproval Date : XX/XX/XXXX Application : XXXX Credit Card Type : Choice Rewards World MasterCard Dear XXXX, Thank you for your credit card application with First Tech. Your application request has been approved for the following terms : Amount Approved : {$10000.00} Interest Rate : 12.240 % Additional Terms & Conditions** > Proof of income dated within the last 30 days > > > > **Please submit any items listed under additional terms and conditions to XXXX. Credit Card approvals are valid for 30 days from the date of this notice. 

Loan approvals are conditional and subject to verification of the information provided, First Tech Membership, and other terms and conditions listed above. 

Important Note : For added security, our cards are Chip and PIN enabled. Youll receive a PIN in the mail separate from your card. Your PIN is important and may be required for transactions. You can personalize your PIN at any First Tech ATM. 

Thank you for choosing First Tech for your financial needs. 

Sincerely, Consumer Lending www.firsttechfed.com XXXX Tel XXXX Fax

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've made numerous attempts requesting proper validation of the debt I have requested in writing to the collection company and to the credit bureau 's to provide me with a detailed breakdown/ contract with a signature of what I allegedly owe. I have yet to receive any proper documentation it's been well over 90 days. Disclosure verification of debt : not given enough information to verify debt. The account was removed from my XXXX report some time in XX/XX/2017 due to non validation.

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 2018-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
My XXXX XXXX XXXX credit card account was closed in XXXX. I continued to make payments until XXXX, and ultimately the account was charged off in XXXX with a balance in excess of {$5000.00}. A XXXX was issued in XXXX, which was filed with my tax return and paid to the IRS. XXXX XXXX XXXX is still reporting the account as open through XXXX with XXXX and XXXX ( TransUnion is reporting closed status as of XXXX ). In addition, XXXX XXXX XXXX is still reporting the aforementioned balance on all three credit bureaus. I have called XXXX XXXX XXXX multiple times asking for the balance to be updated to {$0.00} and mark the account as closed. They are refusing to do so, stating that I am able to make payments on the debt if I wish. Please help me rectify this matter.

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 2021-02-25
Company: EQUIFAX, INC.
State: FL
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 am writing to you because you are my last hope as I am very sad and I do not know what to do.. I found accounts in my profile that I do not recognize. I do not know the origins of those accounts and can not understand the fact how they appeared in my profile. Please help me and check those accounts and if it is possible remove them because they are not mine and killing my report significantly! I am young professional and I need to move on in my life however due to Identity theft I can not afford many things now, and I am in critical financial situation. Hope for understanding and that you soon delete them from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 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 XXXXXXXX, has violated my rights .

15 U.S.C 1681Section 602 A. States I have a 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 2018-05-15
Company: EQUIFAX, INC.
State: CA
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:
ALL OF THESE INQUIRES ARE EXPIRED AND HAVE BEEN UNAUTHORIZED AND ILLEGALLY REPORTED AND PLACED ON MY CREDIT REPORT. XXXX : EQUIFAX- PLEASE REMOVE THESE EXPIRED AND ILLEGAL INQUIRIES THAT WERE REPORTED ON MY CREDIT REPORT IN XX/XX/XXXX EQUIFAX XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX, XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX OF XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation