BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-25
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FOR MONTHS, I HAVE BEEN TRYING TO RESOLVE THIS FRAUDULENT ISSUE. AND I AM NOT SURE WHERE TO GO AT THIS POINT. I HAVE CONTACTED XXXX NUMEROUS TIMES TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REORT, I HAVE BEEN SENDING THEM MY IDENTITY THEFT REPORT. I HAVE ALSO CONTACTED XXXX XXXX   MANY TIMES BUT THEY HAVE NO ANSWERS FOR ME. I KEEP TELLING ME THAT I AM A VICTIM OF AN IDENTITY THEFT, I HAVE NO IDEA WHAT THIS LOAN IS ALL ABOUT OR WHAT AUTO IS ATTACHED TO. THE REPRESENTATIVE AT XXXX XXXX XXXX WILL NOT RELEASE MUCH INFORMATION TO ME, AND I AM STUCK BETWEEN XXXX AND XXXX. HONESTLY THIS IS RIDICULOUS AND NOT FAIR TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Divorced in NY, XX/XX/XXXX, ex spouse maintained full control of my Citibank, XXXX, NY checking account during and after divorce, XXXX. 
This action in contempt of divorce judgment and stipulations. 
All deposits into my account and withdrawals rerouted, bifurcated, used to pay off his personal debts. 
I have received some of the copies of checks requested, they are either washed and forged or endorsed with 3-4 unique accounts owned by my ex spouse. 
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 2019-11-13
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
SYNCB/JCPENNEY had agreed to remove this entire credit off my credit report as long as I paid them In full which I have. The reason for this was due to the remarks as to why the account was closed which was a total misunderstanding on there part which is why they agreed to remove the entire thing all together. 

The card is saying opened XX/XX/XXXX and closed XX/XX/XXXX SYNCB/OLDNAVYDC I also have the same problem with as I have spoken to this bank about this and they said same thing they would remove entire file from credit report as long as I paid what I owed them as I have done. 

This card is saying opened XX/XX/XXXX and closed XXXX XXXX, XXXX. 

I am unsure as to why this bank closes people 's accounts when they have good credit scores. I just want them to honor what they said. We had spoken about this a few times myself and there customer service and supervisors.

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 2018-03-29
Company: MARINER FINANCE, LLC
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: Was not notified of investigation status or results

Complaint:
I paid in full on two accounts and they are affecting my credit score. I want them taken off so I can buy my house. It's been on there for a long time seeing how I paid them. They are Mariner Finance and XXXX XXXX XXXX XXXX. I want them taken off my credit score now.

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 2023-03-01
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. The accounts listed below have 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 ( A ) ( 4 ) states there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for my right to privacy.

15 U.S.C 1681 section 604 ( A ) ( 2 ) states In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1681C ( A ) ( 5 ) states no consumer reporting agency my make any consumer report containing any of the following items of information : Any other adverse item of information, other than records 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 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 2021-01-28
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On two instances I had XXXX XXXX to foods that I ate. The first one occurring on XX/XX/XXXX ( XXXX Claim ID : XXXX ) and the second XX/XX/XXXX ( XXXX Claim ID : XXXX ). I was not near the XXXX XXXX XXXX XXXX so I went the the near by hospital XXXX XXXX XXXX on both occasions when the XXXX XXXX  occurred. Prior to being treated I showed the ER reps and physicians my VA XXXX card so that they would know to bill the Dept of Veteran Affairs for the Out Patient Urgent Care. When XXXX XXXX XXXX and XXXX XXXX XXXX XXXX sent the billing claim for reimbursement, they failed include my medical records from both of the ER visits and they utilized the incorrect billing codes. 

The VA initial denied both claims, with the first claim denial for my ER visit on XX/XX/XXXX being on XX/XX/XXXX in which the VA sent a letter of response requesting the missing information so that they could pay the reimbursement. On XX/XX/XXXX, the claim from the ER visit on XXXX citing the same issue with their Billing order, the missing medical records. For both Claims the Department of Veteran Affairs allotted XXXX XXXX XXXX XXXX XXXX 90 days from the date of Denial to submit the correct information so that they could pay the ER Claim. XXXX/XXXX never responded within the allotted time period and decided to send the Medical Bill Charges to a 3rd Party Collection agency known as Wakefield & Associates. 

Not once was I notified from XXXX/XXXX regarding any debts owed, but I received notification from the 3 major credit bureaus, when I got a hit on my Credit report from Wakefield & Associates. I never received any correspondence regarding the missing information from XXXX/XXXX nor did I receive any correspondence from Wakefield & Associates. What I did receive was a hit to my credit scores via my alerts on all 3 major Credit Bureaus which promoted me to call the XXXX XXXX XXXX XXXX who told me about the issue and how they tried to get the information from the Creditors so they could pay the claim. 

As of right now I have two Medical Collection accounts at Wakefield and Associates ( Acct Numbers : XXXX and XXXX ) on my credit report due to the negligence of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX not providing the Dept of Veterans Affairs the correct information to process the reimbursment and also not responding to the request for information after the XX/XX/XXXX and XX/XX/XXXX denials they sent to XXXX/XXXX. These items need to be removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
MISLEADING AND FALSE INFORMATION. 

XXXX XXXX XXXX XXXX {$8700.00} 15 U.S. Code 1692 consumer im not obligated to pay any debt.

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 2020-11-16
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:
Experian replied in my CFPB Complaint XXXX, that the request to dispute inaccuracies on MY credit report they BELIEVE was not sent by me. Well who else would have sent it? Where is the proof that I didn't send correct information to correct my credit report? Who else benefits from me correcting bad information on MY CREDIT REPORT? 

Please provide proof that it was not me or delete the information immediately. This seems like an easy way to not comply with the law by simply stating you believe I didn't send information after providing property documentation.

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 2020-05-13
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Company : NewRez, Shellpoint put us in forbearance in XX/XX/XXXX. We did not request it. They said that they did it on their own behalf. On XX/XX/XXXX, we demanded that they take us out of forbearance, as we didnt ask to be in that state in the first place. We are current on our payments. 
We have now received a letter of LOSS MITIGATION. We have spoken to Padamore ( date XX/XX/XXXX ), XXXX ( date XX/XX/XXXX ), XXXX XXXX at ext XXXX ( date XX/XX/XXXX ). We are exhausted trying to get through on the phone ( Sorry, don't have other names ). Yesterday and today, we have been on the phone for hours and were told that we are still in forbearance and they will again try to take us out of it, but each time we call ... they don't. We are currently in the process of streamlining to another finance company because we don't trust them. Please help. We need to get this resolved, as soon as possible. We fear that they are trying to take our home. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I went through XXXX & back trying to access a mortgage account with Bank of America for a beach cottage I purchased in XXXX  over 20 years ago. When I remarried my husband of 1 yr decided we should refinance both our properties. I trusted him so did not scour the papers I signed including adding him to the deed. It turns out he refinanced it for {$21000.00} more than I owed & removed my name from the loan which I learned XX/XX/XXXX when I tried to access the account. Because I was removed from the loan, BofA refused to give me access to the account without his authorization during the divorce process which apparently he never set-up. I finally got access to the account after months of begging & found all sorts of stuff. 
Our divorce was finalized XX/XX/XXXX and a legally binding settlement agreement reached which was signed by both parties and the judge in XXXX where I lived during my marriage. I am supposed to have full access to the cottage & bear all financial responsibilities in order to keep it & am obliged to sell or refinance it by XX/XX/XXXX. So I call BofA and explain the situation ( again ) & tell them about the legal agreement which was sent to them as instructed. They also said they needed a letter signed by my ex-husband which was sent along with the settlement agreement. 
They said they do not honor such legal agreements & that I still need my now ex-husband 's authorization to gain access. Furthermore, they've made it very clear that even with his authorization they will only give me access to the loan information via telephone - they will not allow me to go to the on-line account documents & other info related to the mortgage including an " advance '' they paid to the Town of XXXX XXXX for an unpaid sewer assessment ( unbeknownst to me ) to the tune of {$5000.00}. It appears on the loan statements I saw in the past in a separate section so I know it's somehow connected to the mortgage loan and is likely still racking up ridiculous late fees as it appeared my ex- wasn't making regular payments. 
I have made every single payment on the monthly mortgage for this cottage since it's purchase in XX/XX/XXXX. I would like to understand WHY BofA can now deny me access when the property, the loan & all related financial obligations are now my responsibility per a legal settlement signed by the judge &  HOW they can require that my EX-HUSBAND 's authorization. I have attached the last monthly statement I was able to obtain in my ex-husband 's name as well as the divorce/settlement agreements. Nor do I understand how I can possibly comply with the terms of the settlement agreement and take care of all related bills & fees until I can SEE the records. 
Thank you in advance for your help.

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 2021-02-21
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am also attaching this with this complaint, for better readability Removal of Unauthorized, Unknown MULITPLES RAN Hard Inquiries from my Credit Report I am exercising my right under The Fair Credit Reporting Act and disputing the hard inquiries from my credit report. 

These inquires are Unauthorized, and Unknown and ran multiples of times. 

I only did 1 ONE application. When I checked my account, I noticed 10 inquires and had multiple run.

These inquires are hurting me, my family and has severely impacted my ability to obtain any credit.

FOLLOWING HARD INQUIRIES MUST IMMEDIATELY BE REMOVED COMPANY INQUIRY DATE REASON 1. 
XXXX XXXX XX/XX/2020 UNAUTHORIZED AND UNKNOWN XXXX XXXX XXXX XXXX, MD XXXX XXXX. 
XXXX XXXX XX/XX/2020 UNAUTHORIZED AND UNKNOWN XXXX XXXX XXXX XXXX FL XXXX XXXX, NJ XXXX XXXX. 
XXXX XX/XX/2020 UNAUTHORIZED AND UNKNOWN XXXX XXXX XXXX XXXX XXXX, CA XXXX CONTINUED FROM PG 1 4. 
XXXX XXXX XXXX XXXXXXXX XX/XX/2020 UNAUTHORIZED AND UNKNOWN XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX. 
XXXX XXXX XX/XX/2020 UNAUTHORIZED AND UNKNOWN XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX. 
XXXX XX/XX/2020 UNAUTHORIZED AND UNKNOWN XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. 
XXXX XX/XX/2020 UNAUTHORIZED AND UNKNOWN XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. 
XXXX XX/XX/2020 UNAUTHORIZED AND UNKNOWN XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. 
XXXX XXXXXX/XX/2020 UNAUTHORIZED AND UNKNOWN XXXX XXXX XXXX XXXX XXXX, OH 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 2021-02-21
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:
credit inquiries, Ive already attempted to contact the reporting agencies advising them that the credit inquiries that doesnt have a established account does not belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: BMW Financial Services NA, LLC
State: LA
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 have reached out to BMW Financial services multiple times to explain that they are reporting late payments incorrectly on my report. Even though I have requested information on the dates that I paid versus the dates that they received payment, they continue to inconsistently report the late payments across the 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
TransUnion File # XXXX XX/XX/2018 Transunion has Club Subscription Activity on my file as XXXX XXXX XXXX XXXX and I have never requested and opt out of promotional as well I never applied or requested XXXX XXXX XXXX. Please provide documents of such with my name and signature as stated on my credit file by TransUnion

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 2020-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I dehand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2022-10-04
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: Account information incorrect

Complaint:
Recently, i did an investigation on my credit report which caused XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2020-07-23
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: Was not notified of investigation status or results

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Company Inquiries : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-01-28
Company: TEXAS CAPITAL BANCSHARES, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
XXXX XXXX Customer Service stated that I would be receiving paper statements of my account in the mail. As of this date, I have received NO, repeat NO, paper statements of my account from XXXX XXXX. I tried contacting XXXX XXXX by telephone, but always received a busy signal. I feel I have already spent an inordinate amount of time and effort to obtain my bank statements.

Company response to consumer: Closed with explanation