BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Good afternoon, Continuation from XXXX 1. Wells Fargo was instructed to pay {$100.00} M to customers that were Illegal Opening Unauthorized Accounts. The buolder in the case has been sued and has gone bankrupt. Mr XXXX from WF XXXX ID XXXX Office XXXX XXXX worked in house for the builder and forced me to close on the loan even though the loan was {$100.00}, XXXX over the true value of the property. I pleaded not to close with the builder and Mr XXXX and was threatened with litigation. I was forced against my better judgement and have sought disclosure of all the issues in the inception of the loan. 

2. I have paid all my payments on time, never late. Wells fargo did not act in my best interets in the begining and in 2017 changed the terms of the loan. So I sold the property. I have suffred a loss of {$100.00}, XXXX. XXXX Please hold the bank accountable. 

3. please esculate my case. Is the a litigeous option through your office for me to pursue this matter, or do you have a law group that you may recommend in Florida.

4 I will continue to pursue this issue. Please see WF response for XXXX Thank you 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 2019-10-24
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 requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-24
Company: EQUIFAX, INC.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The main 3 Credit Bureaus are attempting to ignore Federal Laws and statutes. I have contacted all 3 Bureaus in an attempt for them to investigate and remove these fraudulent inquiries from my credit report. They are currently in violation of 15 U.S.C 1681c-2, 15 U.S.C 1681s-2 & 15 U.S.C 1681m. 605B of the FCRA states ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
All of which has been given to the 3 main credit bureaus. They are in direct violation of Federal Law and open themselves up to a Lawsuit!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I did not authorize XXXX  XXXX XXXX Auto Financing Companies to run a hard inquire credit check. I was not even in the country - for the dates the inquire was made ( Please see the attached docs ). Please have XXXX XXXX remove all inquiries appearing on my credit history.

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 2022-11-07
Company: Experian Information Solutions 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:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information

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 2019-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The main 3 Credit Bureaus are attempting to ignore Federal Laws and statutes. I have contacted all 3 Bureaus in an attempt for them to investigate and remove these fraudulent inquiries from my credit report. They are currently in violation of 15 U.S.C 1681c-2, 15 U.S.C 1681s-2 & 15 U.S.C 1681m. 605B of the FCRA states ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
All of which has been given to the 3 main credit bureaus. They are in direct violation of Federal Law and open themselves up to a Lawsuit!

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 2019-10-25
Company: Experian Information Solutions 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 was told by the Experian representative that I couldn't dispute this account anymore. And I was told by the Mortgage Servicer representative that the only way that I could dispute this account was through email or fax.

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 2017-12-14
Company: NATIONSTAR MORTGAGE LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our mortgage was sold from XXXX XXXX XXXX to Mr. Cooper ( Formerly Nationstar ) and we have been trying to get a loan modification since XX/XX/XXXX due to a car accident where my wife was rear-ended and lost her job about 5 years ago. I have sent them requested documentation via mail and email ( at least 8 times ). I resent information today XX/XX/XXXX and we still do n't have an answer. This is by far the WORST company we have ever done business with. I needed to let you know so this company can be investigated, and hopefully this wo n't happen to others. My wife is going to be XXXX in XX/XX/XXXX and I will be XXXX in XX/XX/XXXX and we are to old for this kind of POOR customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: Experian Information Solutions Inc.
State: SC
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:
Second Request : I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. 

This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2019-10-25
Company: BARCLAYS BANK DELAWARE
State: PR
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:
Barclays Bank offers the XXXX XXXX credit card. As a US citizen living on a single ethnicity territory like Puerto Rico, I can not apply to it. The only reason why the application was denied was because the credit card is not offer to US citizens living in a US territory like PR.

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 2019-10-25
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Chase denied me XXXX bonus points when I applied for Marriott Visa. 
a. Chase bonus points ' terms & conditions depend on third party transactions. 
b. Chase failed to set up a procedure to verify third party transactions. 
c. Chase failed to verify third party transactions.

d. Chase failed to accept my Marriott account transaction for verification. See attached My-Marriot-Activity.pdf .. 
All of the above made terms & conditions complicated, cumbersome, and not verifiable. 
.. 
I haven't received the bonus points from any third party, ( see my complaint on XXXX XXXX XXXX ). 
But because of a, b, c, d of the above Chase denied me bonus points. 
So, I committed to another credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE NOT AUTHORIZED BY ME THEREFORE I WOULD LIKE TO HAVE THEM REMOVED OFF MY CREDIT FILE FOR THEY HAVE CAUSED TREMENDOUS DAMAGE. THESE ACCOUNTS ARE INACCURATELY PLACED ON MY FILE AND I HAD NO IDEA I HAD SO MANY DEROGATORY HARMING MY CREDIT. PLEASE LOOK INTO THIS MATTER AND HAVE THOSE NEGATIVE ACCOUNTS REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 2019-01-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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 been a customer with capital one for 3 years.. And I have been paying on time. But I got behind on my account because I lost my job and had a baby. I wrote a letter to then explaining that. They checked my credit, which I didn't know was going to happen.. and drop my score down 30 points. Then I received a letter stating that they can't remove the late payments. I really think that sucks.. I have been paying my account on time each month. All I ask is for a little help to get my credit score cleared. I messed up and I'm sorry. I trying to make a better life for my family. I want to buy a house and those late payments are holding me back. Please please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE NOT AUTHORIZED BY ME THEREFORE I WOULD LIKE TO HAVE THEM REMOVED OFF MY CREDIT FILE FOR THEY HAVE CAUSED TREMENDOUS DAMAGE. THESE ACCOUNTS ARE INACCURATELY PLACED ON MY FILE AND I HAD NO IDEA I HAD SO MANY DEROGATORY HARMING MY CREDIT. PLEASE LOOK INTO THIS MATTER AND HAVE THOSE NEGATIVE ACCOUNTS 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 2019-10-25
Company: Experian Information Solutions 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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE NOT AUTHORIZED BY ME THEREFORE I WOULD LIKE TO HAVE THEM REMOVED OFF MY CREDIT FILE FOR THEY HAVE CAUSED TREMENDOUS DAMAGE. THESE ACCOUNTS ARE INACCURATELY PLACED ON MY FILE AND I HAD NO IDEA I HAD SO MANY DEROGATORY HARMING MY CREDIT. PLEASE LOOK INTO THIS MATTER AND HAVE THOSE NEGATIVE ACCOUNTS 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 2019-10-27
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I received a letter from Synchrony Bank that they have closed my Ashley Furniture credit card. I was devastated. I called Synchrony Bank 's customer service and was told the account is closed and that I should take this up with the credit bureaus. The credit bureaus did not close out my account - Synchrony Bank did. 

A week later, I receive an email from XXXX XXXX stating that Synchrony Bank closed out my QVC credit card. Again, my credit score took a hit. I am completely appalled that this bank can do this to people. 

I have never been late on a payment, I have made large purchases on these credit cards and was diligent in paying off my balances and yet Synchrony Bank closed out Ashley Furniture and QVC and hurt my credit score tremendously and I did nothing but be a good consumer and pay my bills. 

Their letter even stating my account was closed due to " lack of real estate ''. I have had a mortgage in my name since XXXX. This bank has ruined 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 2019-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
All three major credit bureaus XXXX, Transunion and XXXX have illegally hoarded consumers personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit  bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. My wish is for the Federal Trade Commission and Consumer Financial Protection Bureau to demand on my behalf that all 3 credit bureaus remove all of this Consumers social security numbers, date of births, financial accounts or credit/debit card numbers, driver license numbers, detailed health or medical history or similar sensitive information. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer.  Consumer wishes for damages of XXXX XXXX dollars from all 3 credit bureaus for their Treasonous deeds and all will be forgiven. Consumer would also like to thank the Federal Trade Commission and Consumer Financial Protection Bureau for protecting her/his Personal, Family, and Household. 

This consumer is putting XXXX, Transunion and XXXX   on notice of the value of this consumers personal data and signature and is warranted damages in the amount of XXXX XXXX dollars

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 2019-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Second Request : I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. 

This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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: CT
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 account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : Account Number : has violated my rights. Or a list of Inquiries : XXXX 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 an 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 or 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 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 2019-01-07
Company: Experian Information Solutions Inc.
State: SC
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:
Its been bought to my attention that I've been apart of a data breach and all that inaccurate negative information on my reports may be a part of that breach. I've been fighting with the collection companies for months on this situation with no satisfaction. I've asked both the companies as well as the credit bureaus to send proof that those accounts belong to me but they refused to. All I ever get are letters stating that the information being reported is accurate and cant be removed. I did not sign contracts with 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