BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-06
Company: CBC Companies, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have a credit inquiry on my report from XXXX XXXX and I didnt give them permission to run my credit. Furthermore I dont even know this company

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Complaint Number XXXX This is an addendum to my above-referenced complaint regarding the practices of Wells Fargo Home Mortgage to AVOID helping struggling homeowners with their mortgage. 
It is with great dismay that after sending all those justifications/and or substantiations proving that we never missed payments, Wells Fargo through the same Representative, XXXX XXXX XXXX, XXXX, again ( for the second time this year ) subjected us to apply for ( another ) Loan Modification. 
Please be reminded that they already approved a HAMP Loan Modification Trial Payment on XXXX XXXX, 2017 but due to some technicalities which is beyond our control they RESCINDED their approval on XXXX XXXX, 2017 the 4th month of our Trial Payment - and subsequently on XXXX XXXX, 2017, they referred our case for collections. 

What Wells Fargo have done to us is very humiliating and unethical, when the Federal Government and the State have been trying to help struggling homeowners to get back on their feet yet " big Banks '' like the one we are dealing with is trying to manipulate us into believing that we are delinquent in such manner that all decisions are theirs to initiate and in their favor, thus leaving us, Homeowners, in their mercy. 

WHERE IS JUSTICE AND WHERE IS THE GOVERNMENT??? OR MAYBE BECAUSE WE ARE THE MINORITY WHEREIN OUR CONSTITUTONAL RIGHTS HAVE BEEN ABUSED BY THESE BIG BANKS???? WHOEVEVER UPON THE REACH OF THIS PLEA. 

HELP US!!!

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 2023-01-29
Company: EQUIFAX, INC.
State: VA
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:
Hi CFPB, For XXXX credit card, my account is current and I am paying on time. could you please remove delinquency reported in Equifax, XXXX and XXXX credit score. 2 missed payment is showing in credit report, I am attaching screenshot and it is effecting me a lot to apply further loans.Could you please remove them it would increase my credit score and help me. This is causing lot of demotivation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 sent a letter to TRANSUNION dated XX/XX/2020 by certified mail. TRANSUNION received my letter XX/XX/2020. My letter was in reference to unauthorized credit inquiries on my credit report that I do not recognize. They did not have authorization to run my credit and I did not apply for credit with these companies. I took the time to contact each company listed on my credit report and none of them could give me information on where the inquiry came from nor did they have any of my information on file. They insisted they could not do anything as far as my credit report and I would have to dispute it with TRANSUNION. 

As of XX/XX/2020 this information has not been updated and it has been beyond 30 days. I included my drivers license, social security card and an updated bill to verify my personal information when I sent this letter certified and they should have been updated in a timely fashion and they have not.

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 2018-10-06
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Failure of XXXX XXXX XXXX to respond to documentation submitted dozens of times for a modification agreement. Failure of same company to provide me with the actual mortgage holder, the home insurance company or the coverage in place despite several requests.

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 2017-09-21
Company: EQUIFAX, INC.
State: TN
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: Didn't receive services that were advertised

Complaint:
this is about the  Equifax  security breach.  I followed their  online instructions to sign up for the  credit monitoring and  received the email below promising a link within a few days to confirm.    This is now  six days later and there has been no further email from  Equifax.  Their  email did not end up in my spam,  which i check regularly.      I will attempt to re-register with the  Equifax  website about this;  my understanding is that attempting to call them results in prolonged times on hold,  so i likely won't  attempt that right now.   Given that their offered credit monitoring only lasts for one year,  and that my confidential info now is likely gone for sale for my lifetime,  i'm not certain how much good all this will do anyway.

Equifax security breach: have to get this email with link, might take several days 
Inbox
XXXX XXXX XXXX 
XX/XX/XXXX (6 days ago)

to me 
We have successfully received and are processing your information.

Next Step

You will receive an email with a link to finalize your enrollment and activate your product. Please be patient. Due to the high volume of requests, emails may be delayed. If you have not received your email within a few days, please check your spam and junk folders.

Thank you again; we appreciate your patience!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and am including it again. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXXXXXX, KS XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, KS XXXX ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 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 2018-10-03
Company: CITIBANK, N.A.
State: CA
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:
At the end of XX/XX/2018, Citibank forcibly closed all my bank account and credit cards without any notice or informe. I have {$680.00} remaning balance in my account can't be withdraw and transfer.I called Citibank customer service line and send them letters as they required many times, but I didn't get any respond. It's already been 3 months, Citibank still didn't refund my money.

In accordance with federal law, Citibank must notify me one month before closing my account, but they didn't.

I earned this {$680.00} by legally and resonable credit card consumption.Therefore, I demand Citibank release my money immediately.

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 2020-10-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have filed at least 5 disputes with Equifax. I paid off the balance of my XXXX XXXX XXXX visa card leaving a balance of {$10.00}. The new balance was submitted to Equifax on XX/XX/XXXX and AGAIN on XX/XX/XXXX. Equifax STILL HAS NOT CHANGED THE BALANCE. A result of their inaccuracy, my credit score has been effective. It has been over 2 months and 5 disputes and hours of phone calls trying to dispute their results. It has been a nightmare and I am not sure what I have to do to have this company stop reporting fraudulent data!!! Dealing with Equifax has been nothing short of a nightmare!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: OH
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:
Company : XXXX XXXX XXXX Furnished date : XX/XX/2020 Bureaus Reporting : Experian ; XXXX I was able to seek legal advice on cleaning up my consumer report, and noticed I have rights as a consumer granted to me by Congress. After studying I noticed this company along with several others have been violating my rights and taking advantage of me as a consumer.

Violations : 15 U.S. Code 1666b : Timing of Payments 15 U.S. Code 1681b Permissible Purpose of consumer reports 15 U.S. Code 1681e Compliance Procedures I reached out to this company with several attempts explaining how they are violating my rights by furnishing accounts without my consent onto my consumer reports, as well as directly ignoring my Congress granted rights. I also reached out to Experian and XXXX to dispute the account but the company ignored my request and did a subpar investigation into the situation that took only 1-3 days long. 

I am requesting this company XXXX XXXX XXXX XXXX XXXX to remove the account from my consumer report immediately. There is no excuse for ignorance of the law. I am not disputing the fact the account belongs to me I am simply requesting to keep the transactions and experiences by us private and to not be shared with any 3rd party agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: Rocket Mortgage, LLC
State: NJ
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:
on XX/XX/XXXX I sent Quicken Loans a letter asking them to investigate the inconsistent information that has been reported to all 3 credit bureaus.I sent them the information that is stated below. On XX/XX/XXXX I received a response from Quicken Loans saying they completed a secondary review of the account and they did not find any errors in the reporting. If there were no error 's why am I seeing inconsistent data across all XXXX credit bureaus? 

XXXX Account # XXXX Monthly Payment {$1800.00} Date Opened XX/XX/XXXX No. of Months ( terms ) XXXX Payment Status Late 120 Days Last Reported XX/XX/XXXX Date Last Active XX/XX/XXXX Date of Last Payment XX/XX/XXXX XXXX Account # XXXX Monthly Payment {$0.00} Date Opened XX/XX/XXXX No. of Months ( terms ) XXXX Payment Status Foreclosure Last Reported XX/XX/XXXX Date Last Active XX/XX/XXXX Date of Last Payment XX/XX/XXXX XXXX   Account # XXXX Monthly Payment {$360.00} Date Opened XX/XX/XXXX No. of Months ( terms ) XXXX Payment Status Late 120 Days Last Reported XX/XX/XXXX Date Last Active XX/XX/XXXX Date of Last Payment XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
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: Public record information inaccurate

Complaint:
There is two Bankruptcies on my credit files in error. I have contacted XXXX, Experian and XXXX via certified mail to dispute these errors several times with no resolution. These Bankruptcies do not belong to me and they have negatively effected my business and personal life. Each credit reporting agencies was provided notice that I was a victim of identity theft. XXXX has deleted this erroneous error, however the other two credit reporting agencies have declined to do this. 

I requested that each of the credit bureau contact this Bankruptcy court to validate the actual identity of the individual these Bankruptcies actually belong to. I also requested proof to support that these reporting bureaus actually contacted this specific Bankruptcy court for verification. That information has not been provided by none of the credit reporting agencies. I sent this request in writing and via certified mail with return receipt to verify my request. It has been over four months and I still do not have resolution.

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 2023-03-31
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Had reached settlement agreement with TD Bank to settle account for {$1500.00} in XX/XX/XXXX. I called TD Bank and made payment over the phone with td bank agent in XXXX of XXXX and instead of taking the amount that was agreed to in writing and over the phone, the agent took the full balance of {$3100.00} without my permission or knowledge. Attached is the agreement in writing and receipt from the website on the payment amount and date they took it. 

In the meantime, I have been in touch with TD Bank since XX/XX/XXXX. I spoke with several people. The last person I spoke with was a supervisor named XXXX XXXX. His agent number is XXXX. He reviewed the phone call from XXXX on XX/XX/XXXX and verified everything above. He stated he is reaching out to his accounting department to see what could be done. He told me he doesnt know if they will refund me or not. I asked for that in writing and anything else they do and he couldnt provide me with anything but passed the message along. I asked for a resolution timeframe and he could not provide me with any timeframe.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-17
Company: Blitt and Gaines, P.C.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Blitt and graines file a judge against me in XXXX XXXX Iowa. There was no notice about the debt being moved to company. I did not get a letter stating that they took it over. I did not get a letter stated that I had the 30 days to dispute it. They went straight to a judgement. I settle the debt and paid in full if given the proper notice it would have not gone to the courts to start with. 
Attached is the court order and receipts that shows that the law firm is the one that was handling the debt. This is the only letter that was ever received from them. Was not given the chance to have a 30 day dispute that shouldve happened. 
No papers received to dispute the debt from the lawyer before papers were sent to court Court drawer paper work XX/XX/2020 Amount XXXX Settled paid in full- XX/XX/XXXX. 

Again if the proper steps were taken by the company there would have never a judgement and the debt would have still been taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions 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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: MD
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 XXXX XXXXXXXX, 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 non-monetary relief
Consumer complaint received 2020-07-21
Company: Exeter Finance Corp.
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:
XXXX XXXX XXXX  XX/XX/2019 Exeter Fin XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 I dont recognize these inquiries and did not authorize none of these companies to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-05
Company: Source Receivables Management LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Source Receivables Management - XXXX, NC continues to try and collect a debt that was bought from XXXX that falls under my XXXX  XXXX filing. 
I have sent documents that show when they were sent the court order to cease and desist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation