BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-11-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Acct Number : XXXXXXXX XXXX XXXX ACCT  Number : XXXX XXXX XXXX XXXX ACCT NUMBER : XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ACCT # XXXX HAS VIOLATED MY RIGHT. 



: 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
After repossession of my vehicle, there was a 33 State Predatory Lending Class Action Settlement against Santander Consumer USA where Santander agreed to relieve loans and help repair the credit of individuals affected by their predatory lending practices. This was for auto loans placed between XX/XX/XXXX through XX/XX/XXXX. 

I purchased my vehicle in XX/XX/XXXX, my repossession happened in XX/XX/XXXX. So after several attempts to get the account removed from my credit profile after learning of the class action settlement, Santander then turns around and sells the debt to XXXX XXXX XXXX, a collection agency on XX/XX/XXXX. 

As you can see in the attachments, Santander just settled the case earlier this year, XXXX. According to the agreement, my debt is to be forgiven and the account status updated to positive or the account removed from my credit profile altogether. In no way was this account to be sold to a collection agency. 

Because of what they agreed to in the settlement, this has now become a violation and need to be corrected within 30 days of receipt of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these 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 2020-09-17
Company: AMERISAVE MORTGAGE CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Amerisave Mortgage charged my card {$500.00} on XX/XX/2020. Today is XX/XX/2020. The company has not answered any of my emails regarding return of my funds in that they have not provided any disclosures other than flood certificate info and other not useful information. I have NOT received any documents whatsoever showing what my closing costs might be. Further, my desire to use my own attorney and title company seems to have fallen on deaf ears in so much as Amerisave info reviewed online always shows that they are mandating use of their choices. I want my money back. I have emailed the rep, who goes by the name XXXX XXXX XXXX, has not responded in over a week. Please help make this right. I am clueless as to my costs and how appropriated. Additionally, Amerisave has seperated my refi into 2 loan docs for some reason. I think to make them more money.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-28
Company: EQUIFAX, INC.
State: NV
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:
Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX XXXXXXXX Account Number : XXXX 1. Past Due- {$3700.00} XXXX. Last Payment XX/XX/XXXX XXXX. Account Verified XX/XX/XXXX I already contacted XXXX on the Account, incorrect info and received inaccurate response. 

In Accordance with the Fair Credit Report Act XXXX XXXX XXXXXXXX Credit Card account XXXX violated my rights. 

15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
THIS ACCOUNT WAS PAID IN FULL AND WAS NEVER LATE. THEY TOLD ME THEY WOULD CORRECT THIS PROBLEM AND IT'S BEEN MONTHS. THEY ARE STILL REPORTING DAMAGING INFORMATION ON MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-15
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My husband XXXX opened this account and added me as an authorized user. I am not financially responsible for this account and now that it charged off its hurting my credit.

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 2019-03-11
Company: EQUIFAX, 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:
request Debt validation documents { four corners rule apply } as per enclosed document Equifax your own credit report states omission of fraud reporting these documents are enclosed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Southwest Business Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Dear Consumer finance team, We have had a conventional loan for our property in XXXX, TX since XX/XX/XXXXwith our lender, SWBC mortgage. We were never late on payments and in XXXX we took advantage of the CARES act forbearance plan, as provided by federal government. 
This was due to financial hardship and thankfully, we were able to resume monthly payments in XXXX and we were current ever since. 
Because we have been paying PMI on our loan since XX/XX/XXXXand since our home value has increased substantially, we asked SWBC for the PMI to be removed but were told because we took advantage of the CARES forbearance program, our payment is considered late in XXXX and that we no longer qualify for PMI removal, despite our good payment history and despite the property value increase. 
We find it to be very unfair to be put into this position because according to their assertion, we may never qualify for PMI removal since the CARES act caused a late payment in their system. 
I tried numerous times to reach out to the SWBC team to find a fair solution to this, but unfortunately, no one could help me with my ask. 
The COVID pandemic was not our fault, and I find it unfair to be penalized by my mortgage company for something that is an act of XXXX. 

I really hope you can help me with finding a resolution and thank your team in advance.

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 2020-09-17
Company: WELLS FARGO & COMPANY
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Wells Fargo is XXXX. They give XXXX  XXXX  XXXX and not XXXX. Wells Fargo also give XXXX all the loans. My credit score is over 700 and I wanted to do debt consolidation and the XXXX  XXXX  loan supervisor talked to me like I was slow. Wells Fargo is very XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I notice an hard inquiry on my credit report from a company that I did not authorize from XXXX option 6 on my Experian credit report. I never spoke To a company or Authorized this company to pull my credit report

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 2023-07-18
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:
I would like to request the suppression of these items from my credit report, which are the result of fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me which is reported erroneously. I am in desperate need of these items to be INSPECTED and removed. 


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 explanation
Consumer complaint received 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Former customer of Simple bank being forced to transition to BBVA. Transition has been awful, limiting my ability to access my account or my funds. Multiple attempts to set up have met with errors and contacting support constantly leads to being hung up on. No response has been provided and I am unable to access any of my funds in any of my accounts. Seeing up my account resulted in a " fatal error '' and then when following BBVA 's advice to try to log in with my new details ( despite the error ), my account was locked for security reasons. No way to get in touch with BBVA to get account unlocked as support continues to hang up and can not hear me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. XXXX XXXX account # XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: NV
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:
XXXX XXXX XXXX XX/XX/2023 added multiple inquiries on my credit without my consent. 

XXXX XXXX XXXX XXXX - XX/XX/2023 - added a hard inquiry on my credit that was not consented. 

XXXX XXXX - XX/XX/2023 - added a hard inquiry on my credit that was not consented. 

XXXX - XX/XX/2023 - added a hard inquiry on my credit also without my consent.

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 2022-12-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. XXXX XXXX account # XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Loan For XXXX is more than 7 years old shouldn't be on my report anymore.

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 2023-02-21
Company: Experian Information Solutions Inc.
State: DC
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:
Per 15 USC 1681 ( a ) ( 4 ) my rights have been violated, each and every account that is on my consumer report should not be facing the public, Per 15 USC 1681b ( a ) ( 2 ) I have never and will never ever give written permission for any consumer report agency to violate my privacy slandering my name or put any hearsay under my consumer report per 15 USC 1681 ( b ) they did not use manner which is fair and equitable to I the consumer and reporting negative allegations without written permission, per 15 USC 1692 ( f ) also per 15 USC 1681n you have to have written permission, also all of the other addresses and other so-called names that have been used that are not mine need to be removed as well as all in each address that is on there that is not mine need to be removed the only name and address that should be on my consumer report is By : XXXX XXXX XXXX And the only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19
Company: EQUIFAX, INC.
State: OH
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:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
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:
There is an account on my credit report twice. The account is XXXX XXXX XXXX XXXX XXXX. One for {$35.00} and the other for {$65.00}. I have no knowledge of this account. But it's on my credit report twice. And another this is XXXX XXXX needs to be removed from my credit report. it's an old account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: Experian Information Solutions Inc.
State: NC
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:
It's been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment. They have not supplied this information and they must delete the ledge late payments on my credit report under federal law they have 30 days to complete the investigation and by failing to do so the item must be deleted from the report as soon as possible.

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 2019-07-15
Company: Grant Mercantile Agency
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:
On XX/XX/2019 I submitted a dispute for these accounts GRANT MERCENTILE AGENCY Account number : XXXX, GRANT MERCENTILE AGENCY Account number : XXXX, GRANT MERCENTILE AGENCY Account number : XXXX because they do not belong to me. XXXX and XXXX deleted them from my credit file but XXXX claims they verified the accounts.

Company response to consumer: Closed with explanation