BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-20
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:
XXXX, XXXX XXXX  SOC SEC # XXXX-XXXX-XXXX   DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXXXXXX XXXX XXXXTODAYS DATE: XXXXXXXX/XXXX/XXXXThis serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.Recently, I've been denied in my application for (mortgage, car loan, credit card, health insurance, employment) in Florida XXXXpon closer look, this was due to inaccurate information on credit report; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows;XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This notice is to inform the CFPB Transunion is reporting inaccurate information on my credit report. 
The old junk account was sold to XXXX XXXX by The XXXX XXXX XXXX 
ATTACHED WITH THIS LETTER IS A SCREENSHOT OF THE EXACT DATE OF THE ORIGINAL FURNISHER WHICH IS STILL BEING REPORTED ON MY XXXX CREDIT REPORT. 
This constitutes fraud. These companies should not be in business. 
They are destroying lives. 
Partial account number XXXX XXXX XXXX has illegally purchased and re-aged from XX/XX/XXXX to XX/XX/XXXX. 
This a malicious attempt to keep it on my credit file for a longer period of time. According to federal law, Neither creditors nor debt collectors can re-age an account. From the moment an account ages, it can not be taken back in time. Regardless of how many times an account is sold from one collector to another, They have willfully ignored my previous notice to cease and desist. 
Furnishing a duplicate account. It is illegal and unethical for a company to sell an account and keep reporting it on a consumers credit file. 

I have disputed this account with XXXX and it was immediately removed from my credit file. 

If by any miraculous chance your office is able to legally VALIDATE your claim with the below documents ; Agreement with the party that authorizes you to collect on this alleged debt. 
The legal order from a judicial court to place this account on my credit file. 
An agreement with your company bearing my willful signature stating my legal obligation to pay this alleged debt. 
Original copies of the debt agreement stating the amount of the debt and interest and changes. With the matching date. 
Proof that the statues of limitations has not expired. 
Complete payment history along with an accounting of the debt and all additional charges being accessed. 
Proof that you are licensed to do business in the state of Texas. 
Your purchase agreement with the alleged previous owner of the debt. 
Your license number and registered agent. 
The law requires 30 day to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will promptly consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from 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 non-monetary relief
Consumer complaint received 2021-11-09
Company: HEAD MERCANTILE CO., INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I pulled my credit report last month ( XXXX ) and the following company was Head Mercantile Inc. 

This company did not contacted me or send me a letter about a debt I owed so that I could dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: Freedom Mortgage Company
State: CT
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Hello. Over the summer of XXXX my loan service provider was switched from XXXX XXXX to Freedom Mortgage ( current provider ). This was done outside of my scope of control without my authorization ( since companies are allowed to buy/sell contracts ). 

When Freedom Mortgage took over our account, they conducted an Escrow Assessment. They recognized that we had an excess escrow amount of {$3200.00}. This assessment was done prior to XX/XX/XXXX. We received an email from them around the end of XXXX notifying us of this payment due to excess escrow. 

By law, the service provide must provide payment within 20 days from the date of the analysis ( as long as all mortgage payments are up to date ). 

Fast forward to the XXXX of XXXX and my wife calls asking where our check was. They said they mailed it out on the XXXX and we still not receive it ( 3 weeks ). Freedom mortgage then said they would cancel that one and issue a new one. I then call on Monday XX/XX/XXXX asking the status of the second check. They informed me at that time they had no information about it being issued. But advised they could instead do an electronic funds transfer and that they would cancel the second check. 

I called back the following day to check the status of the electronic funds transfer and after speaking with a manager I was told that the request was cancelled internally by their company. They not only cancelled the two checks, but they also cancelled sending my wife and me our money via electronic means. They stated they weren't allowed to distribute excess escrow via electronic transfer, even though another one of their reps explicitly told us the day before they could. 

When I spoke to the manager she stated they would mail ANOTHER check, and it would take 5 days to process, then XXXX weeks to be delivered by mail. At this point it is extremely clear that the company is breaking the law and holding/withholding payment of excess escrow. This is governed by law and in now way did they attempt to rectify the situation in anyway. They told us we had no choice but to wait. We are past the 20 days and are about to past 30 days. They need to electronically transfer our money immediately. By law they can be sanctioned or face penalties for withholding money. This is not a good faith effort or attempt whatsoever and are delaying tactics designed to prevent disbursement as long as possible. Their reviews on XXXXXXXX XXXX, and many other websites attest to these fraudulent schemes that they consistently employ ( thousands of 1 star reviews ). It is sickening ( and extremely illegal ) how much they are taking advantage of Veterans!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have asked Equifax through certified mail for verification of this account furnished by XXXX XXXX account number XXXX furnished on Equifax. After making the dispute the account name and number was then furnish as XXXX with account number XXXX. This account was also being shown as a Collection and after making a complaint through XXXX XXXX. The account was changed from a Collection to an incomplete field. XXXX says Collection/Charge Off, XXXX says XXXX XXXX. With a different account number. The account also says the last payment was on XX/XX/2020. This account has yet to be verified. A person I dont know sending me what looks like a photoshopped XXXX XXXX XXXXtatement with the charges of about XXXX and saying I owe them XXXX is not verification of anything. What is the entire account history? What was the credit Limit? What is the payment amount? How was the interest accrued? Does the account have arbitration? Is this account Identity Theft? A consumer is entitled to a complete and accurate consumer report. This type of credit reporting is a violation of my rights and should be deleted immediately. Im not asking you for verification of my name and mailing address. I have this very XXXX XXXX credit card you claim I owe money on. So if the story Equifax, XXXX, XXXX is telling by way of XXXX XXXX is true then this is a debt that has been re-aged. Which Agency is correct? It has never been verified and is not complete or accurate. Please Delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: EQUIFAX, INC.
State: PA
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 submitted a former complaint dated XX/XX/22. In the report this credit bureau has stated that the debts are verified. I'm requesting proof that the debt is myself. I have submitted a complaint about fraud on my accounts. I also have placed security freezes on my accounts to prevent future fraud. This company has failed to prove that it was I who owe this debt. Please provide proof that the disputed companies from the last complaint were indeed my debts. My credit report is full of inaccuracies. There are incorrect amounts of debt owed, incorrect dates, incorrect account numbers. I would like a full audit of my credit report. It has been reported recently that investigations for credit complaints are not done properly. I'm requesting a full audit of my credit report. I'm also requesting proof of debt. This would mean a hard copy of any documentation I signed with dates and proof these debts were indeed taken out by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX Explained that this account was opened Fraudulently by someone using my information this is being reported negatively on my experian report the amount is 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 2021-11-29
Company: Coinbase, Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have been a customer of coin base since beginning of the year, I have had transaction buying XXXX, I applied for a coin base card and received one. I activated the card and no issue. I went to trade next day the web was saying account under review and need some time to verify you won't be able to use coin base it would take a few days, that was around middle of XX/XX/2021. I waited sent out out a few emails through their sight and requested to upload another id photo with some bank statement, I uploaded the info. I waited a few weeks with the same routine contacted them through email, no result. On XXXX XXXX I opened coin base support case # XXXX verification. On XX/XX/XXXX XXXX I got an answered that this case has been close and also they let me know that our team is working diligently to review your account do not submit another request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-22
Company: Fresh Start Funding, LLC
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Wed XXXX amount of {$490.00} Possible fraud.. 
Not sure what to do.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Applied for a home Equity Loan through XXXX XXXX XXXX XXXX XXXX. WHen the ran our credit report, Equifax released our information out to every lender in the US without our permission. Have received numerous unsolicated phone and text messages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 5th time disputing inaccuracies in my credit report and hope this time something is done about it. See letters attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Someone opended an account. Identity Theft. Your website makes reporting this a nightmare. XXXX will not remove this account, unless you tell them to!

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 2023-09-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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.

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 inructions 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 non-monetary relief
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
Company: Bread Financial Holdings, Inc.
State: TX
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 have never done business with Comenity Bank and an account has gone on my credit report from Comenity Bank in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo did a bait and switch for a low interest loan. It's an inquiry into our credit which will lower our credit rating and cause us to explain this to future lenders. 

Wells Fargo approached us for offering a loan on an upcoming purchase. They gave us rates over the phone for what we wanted to borrow, and sent us links to apply to it. The rep, XXXX XXXX from XXXX CA, told us in that conversation in midXXXX we'd be able to pay 2.625 % on a {$500000.00} loan for a purchase. It sounded terrific so we started the application to get that submitting our details of accounts and they ran our credit checks XXXX marks against us of course ). 

The pre-approval letter came through with a higher rate at 3.0 % which was confusing. We were reassured again that we will get lower rates and once we had a property to assign it to, then the exact details would match the purchase at the rate we expected, which was now 2.5 %. We were excited about the even better rate and found a place to apply our $ XXXX loan at an amazing 2.5 % rate. We get the purchase agreement in line with the seller and ask Wells Fargo for a pre-approval letter. That pre-approval letter never came. 

We followed up with our rep, XXXX XXXX, as to what the situation was. He now tells us after we gave Wells Fargo our bank statements, our tax returns, pay stubs, W2, etc. that we needed to transfer {>= $1,000,000} to Wells Fargo in order to get that rate. This was NEVER disclosed to us before. We never were told we'd have to transfer all our assets to Wells Fargo to get this loan rate. 
Next, XXXX XXXX tells us that he opened the account ( without our approval ) and can't give us the pre-approval letter we expected because of a so called computer glitch, but to " just get your real estate agent to talk to me ''. 

We have found better lenders but Wells Fargo has caused a blemish on our credit record and have not confirmed that they will close the inquiry to help repair the damage to our credit scores.

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 2018-02-28
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient informed me on XX/XX/18 that my student loans were getting ready to be in default. I have been making monthly payments of the set amount agreed upon. I have not missed a payment. They informed me that my interest rate had gone up ( something which I was unaware of as I have not received a phone call or statement in the mail ). This increase has made my monthly payment increase and as a result, I am now past due ( which I was also unaware of as they have not phoned me or sent me mail ). I asked for my co signer to be taken off the loan and they told me that I have to make a year of payments on time before I can qualify for this. I have made a year of payments on time but was unaware of my interest increase so now I don't qualify for that. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: Bridgecrest Acceptance Corporation
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I have contacted Bridgecrest for a payoff letter as I am trading in my car for a new vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Atlanticus Services Corporation
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX I made a payment of {$60.00} and accidentally made a XXXX payment on XX/XX/XXXX. I reported it on XX/XX/XXXX and they told me a check was sent out on XX/XX/XXXX. I never received the check. Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: Conn's, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I have asked the company to not call my phone before XXXX due to my work hours and can get into trouble when on the phone and instead of respecting my wishes they have started calling 7 times before XXXX. I have been reprimanded once for answering their calls during work already and they have continued to call.

Company response to consumer: Closed with non-monetary relief