BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-09
Company: Garcadia Financial LLC
State: OK
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I asked Foursight Capital to stop calling me about a car loan debt. They continue to call and hang up after 1 ring.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Experian XXXX XXXX XXXX XX/XX/2020 {$1400.00} As stated in my previous dispute, XXXX XXXX XXXX is acting fraudulently with the consent of Experian in regards to my credit report. XXXX XXXX XXXX claims to have investigated and verified the alleged debt that I owe but according to The Fair Credit Reporting Act in Section 1681a ( e ) it clearly states that a legitimate investigation where any information regarding any consumer must be obtained through personal interviews with either myself ( the consumer ), neighbors, friends, or associates of the consumer. No such investigative actions have been taken by XXXX which is an illegal violation and false claim on their part. XXXX in response to my previous dispute has claimed and acknowledged that they are acting as a business associate ( which is a third party ) in an attempt to collect a debt which is also fraudulent. According to the Fair Credit Reporting Act If they can not provide evidence that they are the original creditor then they must cease all attempts at collecting the alleged debts. 15 us code 1692c also states that third party communication with a consumer in regards to collecting a debt is unlawful unless given prior consent by the consumer. XXXX claimed to have produced an itemized letter with a description of the charges being sought after, according to 15 us code 1681a 3 ( b ) there is a restriction in place to prevent from sharing medical information without the consumers consent even if there is an individualized list or description based on the payment transactions of the consumer for medical products or services. XXXX has also misspelled my name and addresses this debt to the wrong person in pursuit of the debt which falls under block of information as a result of identity theft according to US code 1681 c-2. Also, XXXX XXXX XXXX is indeed violating my XXXX rights as a consumer because although they may have fraudulently produced an itemized list with a description of the charges being sought after, they have failed to produce a copy of my XXXX transcript signed by me as the consumer and original creditor. This is a serious violation of The XXXX XXXX XXXX, several US privacy codes and fraudulent activity which can result in a hefty fine of up to {$10000.00} or more. As the original creditor and the consumer I would be within my rights to pursue litigation for every single violation named and unnamed in this dispute and to seek financial remedy for the unfair practices and abuse regarding my credit report. If all fraudulent collection attempted are not ceased then this will be the next course of action.

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had Wells Fargo between the years XXXX and XXXX and had multiple issues with fees, missing money out of my account! I can not recall from back then the dates amounts and etc

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 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2018-11-20
Company: Lending Club Corp
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Last XXXX I consolidated all my loans with XXXX XXXX. I also changed my checking account because of a fraudulent charge. During the consolidation I the agent asked me about a $ XXXX  monthly payment with Lending Club. I went into my Lending Club online account, I had a previous loan with them that XXXX XXXX paid off, and found no open loans. I believe this charge is 'phantom debt ' and I want it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: Experian Information Solutions Inc.
State: TN
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 sent by certified mail 3 disputes and an email to it's CEO XXXX XXXX requesting Experian to validate adverse accounts they're reporting on my credit report and provide me with the original signed contract with my signature to verify the debt is mine and that it is correct. They have continued to verify this invalidated debt and they have failed to shpw me any proof. If their NEGLIGENT NONCOMPLIANCE continues after this 4th dispute, I will litigate and make them pay me for every unverified adverse account.

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 2023-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been 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 non-monetary relief
Consumer complaint received 2021-04-28
Company: ALLY FINANCIAL INC.
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have an Ally XXXX account with Ally Bank. I also have checking and savings accounts XXXX which have not been a problem ). In XXXX, 2020, my online investment account was listed as " restricted '' with the message : " We can't show these accounts right now. 
Were working to have things back up as soon as possible. Try again later. ". When I tried to access my investment account statements, they had disappeared and were replaced with, " Your account has been restricted. To find out why we restricted your account, call us at XXXX. ". I have called this number regularly since XX/XX/2020 XXXX nearly a year ), and have been on hold for hours each time without ever getting through. I have used the Ally XXXX chat function, but no one has ever been able to give me any answers as to why my account is restricted or how to fix this, other than to call the generic call line number given above. I am concerned that I have had no access, and no statements for my money for nearly a year, and have not been able to contact anyone by phone after at least 40 hours of being on hold over nearly a year. Ally XXXX by chat have been unable to provide me with any other phone number or contact information to solve this problem.

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 2022-03-09
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received a letter on XX/XX/XXXX XXXX From someone stating I owed a debt. I sent them a certificate letter on XXXX XXXX asking for proof of debt and original debt ownership. I have yet to get a response from the debt collector. Would like to have this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Experian Information Solutions Inc.
State: UT
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:
XXXXXXXX XXXX  XXXX is reporting 2 erroneous late notations on my credit file. I recently sold my house and this loan was paid in full. I ended up selling the home in XXXX. However, my title company said that wiring the money over would take 30 days. I told them that they needed to hurry the transaction as it was XXXX and it only has 28 days. My title company ended up transferring the money over XX/XX/XXXX, which in any other month would have been the XXXX. XXXX XXXX also charges a late fee if you pay anything past the 16th which is ridiculous so they added a late fee. This account had been completely settled and paid by XX/XX/XXXX but they reported me late for XXXX? This was not my fault, I was never late on this account prior. I need the late notations removed from my credit file because I was never late, my title company just XXXX me over.

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 2023-10-05
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Synchrony lowered my spending limit by XXXX XXXX  USD due to incorrect information on the credit reports. This information has been updated but Synchrony will not raise the credit limit again.

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 2021-09-15
Company: Experian Information Solutions Inc.
State: DE
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:
Requested certified and validated letter from their data furnisher on the accounts showing a bankruptcy. XXXX states the reports are valid and verified by my bankruptcy attorney but fell short of providing evidence of written verification letter from him/her, plus a consent was not provided by me to access information from their so called attorney. I still need a letter of validation from the bankruptcy court and/or data furnisher about the two bankruptcies that appear on my credit profiles. 

Additionally, XXXX is reporting inaccurate information on the same bankruptcy. Has it discharged. 

Experian states that it was able to validate the bankruptcy with its data furnisher but did not provide me with the name and address of the data furnisher. In the past, they all claimed that the bankruptcy report was from XXXX. I contacted XXXX which wrote that the information was unverifiable and that it would be removed and/or deleted. 

According to FCRA, information must be verified, validated, accurate and fair. 

Please have all 3 bureaus send me certified letter with information of their data furnishers instead of false incomplete and inconsistent claims they continue to make about their credit report data sources. 

Thank you. 

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 2019-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized inquiries reporting on credit report : XXXX XX/XX/XXXX, XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 'XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX 30

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 2023-08-30
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX bill XXXX XXXX sent full account to XXXX XXXX refused do boosts on credit XXXX faked addresses and more does not listen written documentation or by phone sending tons redo this or type this not your ideas and your idiotic perspective on my credit data. Tons of it. Even sent full list employment with dates addresses nonstop. Department of education loved deleted all credits data schools and dictated what they think opinion of colleges. Not facts, received XXXX fraud transcripts then dictated colleges are inefficient to all and incompetent to all. XXXX XXXX XXXX, XXXX Iowa XXXX Iowa, Iowa XXXX XXXX so much more.

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 2019-06-08
Company: WELLS FARGO & COMPANY
State: AL
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:
Company was applying my payments incorrectly. Had been paying over the minimum amount, changed auto pay to begin charging minimum amount and that's when all the issues started. They tried to tell me that my payment made in XX/XX/XXXX wasn't for the XX/XX/XXXX - XX/XX/XXXX billing cycle that it was actually for XX/XX/XXXX. They told me that my payments are actually for the next months statement. So instead of applying my {$100.00} payment, they only applied $ XXXX.They kept reversing my transactions to where I don't even know what I have and haven't paid. My XX/XX/XXXX payment was late because of these issues I was having. I made a payment online for the due amount. Then on my next statement, it said that I was {$3.00} past due.I made a {$100.00} payment on the company 's website on XX/XX/XXXX, minimum amount due was {$3.00}. My payment then was due on XX/XX/XXXX. I made a payment on XX/XX/XXXX for {$170.00}. I should not be at fault and penalized for {$3.00} if I was unaware that I even owed that. I paid a late fee that I shouldn't have even paid. When I called to talk to them about this they didn't even bother to help. I submitted disputes with all 3 credit bureaus. XXXX sent me the results dated XX/XX/XXXX which showed that I was in good standing and that I was never late on payments. However, I looked on the website today and it had changed back to negative. How are they able to change the status without sending me some type of reason why it was reversed over two weeks later.

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 monetary relief
Consumer complaint received 2022-09-02
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am asking for assistance with obtaining a COVID modification. 
Wellsfargo denied me due to title clearance. There is a co signer ONLY as I've always stated who is now deceased. Federal law stated if the co signer/borrower is deceased the other party will assume the mortgage in which I am totally and have always been willing to do. this issue with title clearance is not an actual issue due to the deceased having no ownership in the property. 

What does it mean to be on the title of a mortgage? 
If you hold title on a property, you own it. A property deed is the document that officially transfers ownership of the property from its previous owner to its new one. When you buy a house, the seller will sign this document, deeding the house to you Who is the title holder on a mortgage? 
When you buy a home, you become its title holder. Holding a house title is what gives you ownership over your property. There are several ways an individual or a group of individuals can hold title. 

This is mentally exhausting. Wellsfargo is fabricating information and instances and all I would like to do is save my home for my children sake. 

I never received and or requested a modification in XXXX. I wrote to them in reference to the change of the closing disclosure at the closing table. Closing was on XX/XX/XXXX. the disclosure presented by wells Fargo have fabricated dates and is not the one I was given. no one addressed the disclosure I uploaded. I submitted the original disclosure and the email from the loan officer who sent it. I never stated I am the only person on the loan as this is the reason I am unable to get a modification. However, I am the only person on the recorded deed to the home and as WellsFargo stated MrXXXX XXXX ( the deceased ) may have children who have rights to the home which is why they can not clear the title. this is very confusing. Up until the XXXX Pandemic I was paying XXXX every 2 weeks and my trustee payment. I did not expect the events to change things as drastically as it had. however, filing for the bankruptcy was my way of saving my home and complying with wellsfargo terms and conditions before the pandemic and to get the home back on track. i am unsure why wellsfargo is adamant on making this as difficult as possible despite my compliance. The pandemic happened to everyone, opportunities were set forth for everyone including those of us who where in bankruptcy. I've provided an obituary as well to no avail. This document is set up to appear as if this is a deliberate a delinquency. I have all supporting documents and audio recordings to prove I have been compliant, the misleading and unethical practices and the numerous contradictions. 

Proof of waiting for assistance

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 2020-11-01
Company: LEXISNEXIS
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I submitted my request to Lexis nexis to provide me with a copy of my consumer report in XX/XX/XXXX. I received a letter with instructions on how to retrieve the report online, but that didn't work. I contacted them by email around XX/XX/XXXX. Address a few days they, ask me to call their customer service line. So a little over a week ago, I call their customer service line and request a new link to access my report. I still haven't received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: Experian Information Solutions Inc.
State: KY
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:
On or about XXXX XXXX the United States District Court of XXXX District of Kentucky issued a Discharged in Re : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX United States Trustee. Upon that discharged I demand that XXXX XXXX XXXX and its affinities to update my crerdit report to all major credit bureaus of my payment history for the last 73 prior months from this date. 
They have failed to do this or present me proof update my credit report with respect to my Mortgage History for the last 73 months.

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 2019-06-08
Company: EQUIFAX, INC.
State: KY
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:
On or about XXXX XXXX the United States District Court of XXXX District of Kentucky issued a Discharged in Re : XXXX XXXX XXXX and XXXX XXXX XXXX Vs. United States Trustee. Upon that discharged I demand that XXXX XXXX XXXX and its affinities to update my crerdit report to all major credit bureaus of my payment history for the last 73 prior months from this date. 
They have failed to do this or present me proof update my credit report with respect to my Mortgage History for the last 73 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: BSI Financial Holdings, Inc.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On or about XXXX of 2023, the XXXX XXXX XXXX XXXX, XXXX, XXXX and a lady I assumed worked for the realtor evicted me from the home I was making contract agreed payments as I have proof of. I not sure why this is happened or what they did with the money but it sounds like predatory lending and a civil rights issue as law enforcement officials and the courts were involved and should be investigated at the time I was a XXXXXXXX XXXX and clearly an employee Code of Conduct / Ethics issue via annual trainings and background checks.

Company response to consumer: Closed with explanation