BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-28
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXXXXXX XXXX XXXXhas 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 2022-03-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I ordered my item about a week later I got an email saying my order was canceled. I got this email saying I would get a refund now Wells Fargo and XXXX XXXX refuses to help me

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 2022-08-06
Company: Experian Information Solutions Inc.
State: MO
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 submitted a letter to the XXXX Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated the account in accordance with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 

XXXX XXXX XXXXXXXX Balance : {$7300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: BROKER SOLUTIONS, INC.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XX/XX/2020 I requested for a Loan Modification/Forbearance for my mortgage they replied in writing on XX/XX/2020 they denied my Loan Modification for insufficient surplus and denied my Forbearance Repayment Plan request for insufficient surplus and Special Forbearance for temp workout and permanent hardship it was my understanding when the CARES ACT 2020 was signed into law on XX/XX/2020 no matter the status of my delinquency if a borrower has a federally back loan I have a VA Loan that they are protected supposed to approve 180 days of forbearance and if my financial situation doesn't change I'm suppose to get another 180 days of forbearance I don't understand why they denied my forbearance request when CARES ACT has directed the lenders with federally back loans are suppose to approve the forbearance my financial situation has changed since XX/XX/2020 I have paid off my truck and motorcyle loan and I officially retired from my employer on XX/XX/2020 will star recieving check on XX/XX/2020 which gives me an extra income of {$2200.00} I sent an appeal letter on XX/XX/2020 stating these facts to my lender but since they totally ignored Forbearance under the CARES ACT I don't believe that they will work with me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: Real Time Group, Inc.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I dont know anything about the mortgage and Real Time Resolutions is claiming I owe a debt. I dont owe this debt or have any recollection of this loan. Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've tried explaining to this company, the information that is reporting on my credit report isn't mine and I sign my name as XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: Exeter Finance Corp.
State: WI
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 and XXXX both were sent documents that showed I was never late on Exeter Finance and they refuse to view my documents and fix the error. The company say that they use the day they process and not the actual day they receive payments and paper work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
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:
To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have use my information to open them and also make fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: AmeriCollect
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Not my account. Company lacks any legal obligation or contract. I've never done business with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
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 is missing that should be on the report

Complaint:
I have had an open line of credit for over 7 years yet only 2 years of my credit is being reported by Experian, 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 2017-09-18
Company: Recovery Solutions Group, LLC
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Threats against me of physical nature, threats of illegal service of false collection/court documents. Called my brother attempting to obtain personal information about me on X/XX/17.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
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: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-10-19
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XX/XX/2020 I sent Letters to XXXX, Equifax, and XXXX. It is Now XX/XX/2020 and i still haven't gotten a response. I also sent a Failure to Comply letter as well and still no response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 or about XX/XX/XXXX and several other dates, Transunion certified that they validated/verified information on three different accounts and that the information was accurate and continue to report the information. The information they're reporting are as follows : They certified that XXXX  XXXX XXXX  reported a payment on XX/XX/XXXX for an account they verified was closed on XX/XX/XXXX ; they " updated '' this account XX/XX/XXXX They are also reporting a VA Dept of Social Services account as open ; but have a date closed of XX/XX/XXXX. In addition to this same account, they certified that they verified payments on this account however they are reporting COL ( collections ) on the accounts for the months of XX/XX/XXXX and XX/XX/XXXX ; when payments were made ( I have proof ) Finally, on an account with XXXX XXXX XXXX, they are reporting that they verified the account was accurate but they have a date opened of XX/XX/XXXX and a date closed and paid of 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 2018-10-03
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I purchased a car from XXXX XXXX XXXX who got me a loan at the dealership from Santander Consumer USA. XXXX XXXX and Santander both facilitated an unfair, and high rate interest loan to me, and thousands of other buyers according to XXXX XXXX, the Attorney General of Massachusetts. The US Department of Justice is also investigating. Santander along with XXXX XXXX funded my loan without a reasonable basis to believe I could afford it, predicting I would default. Which is how I was able to get approved for a car with no co-signer, at the time poor credit, and making $ XXXX a year before taxes, and walking off the lot owing $ XXXX. Santander knew some dealerships had high default rates due to inaccurate iformation on loan applications, but kept funding the loans anyway. Which is how XXXX XXXX was able to " approve '' me, despite no other bank in the country, not even a buy here pay here deeming me credit worthy. Some of the dealers were even identified as " fraud dealers '' in a class action lawsuit, but continued to fund I have been in contact with Santander numerous times in the past couple years, and they are sticking to their word as they do not settle, and they have done nothing wrong, even though they have settled, and admitted wrong doig, and their CEO stepping down, in the midst of this whole illegal act which caused the 2008 recession. I was picked up from my apartment and taken to XXXX XXXX in XXXX, GA from my place in XXXX, GA, about 20 miles away. With the intention on buying a XXXX XXXX, at a monthly payment of {$250.00}. They even took me to XXXX XXXX, to retrieve the {$2000.00} down payment. When I get there " they just sold the XXXX, '' but there was a XXXX XXXX available for a little cheaper price. Once credit application was switched to the XXXX, they came back and said my monthly payment will be a little higher because of credit. from {$250.00} to {$320.00}. approved with Santander, when no other bank would, because of the collusion that I would default. A the time of signing I was never told that interest would accrue daily, which was on the back of the contract and never went over that. Also in almost four years the purchase price of my car was {$11000.00}, I currently owe {$10000.00}. This because they believed me to default long ago, and if not I would continue to pay them past the 72 months I signed for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I filed a claim with my insurance company a pine tree had fallen on my home. The total claim was {$33000.00} worth of damage. Insurance company cut a check to me and my mortgage company XXXX. Thinking we would get a check for the whole amount back from XXXX to start my repairs. XXXX required documents from each contractor to be submitted, W-9, contractors waiver of lien, each contractors quote signed by both me as the homeowner but the contractor as well and a copy of the adjusters quote. I turned everything in as required. I finally on XX/XX/21 my first check was cut to fix my roof portion made out to me and the contractor. Once the roof was completed I had to get inspection. Ok completed. Now trying to get more money from them after back and forth XX/XX/21 another check was cut for my fence repair again made out to me and my contractor. Ok done. Here I am again 3 months after my initial claim and still can't get the rest of the money to fix the repairs to my home or any excess. I can understand protecting their investment with the roof of the house but nothing else is mortgaged the remainder of the money needs to be returned to me. I can't even fix my home. We pay for insurance for a reason we shouldn't be held hostiage from our money to make the repairs needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX XXXX XXXX a collection agency was added to my credit file. This was shown as a new collection with the originally creditor as XXXX the amount of {$1300.00}. I have no contact with XXXX XXXX and they are attempting to collect on a debt that was previously paid with XXXX XXXX in XXXX as an agreement to pay for delete. Convergent is attempting to again collect on this debt. They have not responded to multiple disputes and requests for 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 2022-11-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reinvestigated my credit reports, I realized that the same accounts were erroneous. The 3 credit bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reported accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts listed below : XXXX XXXX XXXX A XXXX .... Balance : {$130.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$84000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
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: Account status incorrect

Complaint:
My wife and I had a home equity line of credit ( HELOC ) with XXXX. We never drew down the line of credit, and it was closed when we sold the home in XX/XX/2016. Indeed, we have the deed of reconveyance for the HELOC. Yet the HELOC still shows as open on all of our credit reports. It appears that XXXX never informed any of the three credit reporting agencies that the HELOC was closed.

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 2020-12-11
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: Their investigation did not fix an error on your report

Complaint:
i have made several attempts to resolve incorrect items being reported to Transunion. i have asked them to provide me with proof on how these accounts were verified as 100 % accurate and that they belong to me. i asked them what method of verification was used and in addition, to provide me with a legal and binding contract that bears my signature to the following accounts :

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 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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