BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-05
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I respectfully request your prompt attention to the following inaccurate information on my credit report. The following item is inaccurate negatively affecting my credit please re-investigate this matter and delete end or corrected speeded item. I respectfully request that you provide me with proof of the disputed item specifically any contact note court document or any instrument be having my signature. Failing that this item must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Due to me being a victim of identity theft I spoke with XXXX at XXXX  on XX/XX/XXXX about the unauthorized accounts that appears on my credit report I request the following accounts to be delete and removed off my XXXX  credit report : XXXX XXXX XXXX open date XX/XX/XXXX amount {$7200.00} account # XXXX. " XXXX XXXX XXXX XXXX  '' open date XX/XX/XXXX account number # XXXX closed account. XX/XX/XXXX at XXXX  about an unauthorized account " XXXX XXXX XXXX XXXX  '' open date XX/XX/XXXX account number # XXXX closed account. On XX/XX/XXXX I spoke with XXXX about an unauthorized account " XXXX XXXX XXXX XXXX  '' open date XX/XX/XXXX account number # XXXX closed account.Doing the trouble sometime of Covid 19 when acquiring funds to sustain everyday life is crucial, These unauthorized accounts has severely hindered me I am requesting that all above unauthorized accounts be removed immediately 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 explanation
Consumer complaint received 2021-09-02
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. US DEPARTMENT OF EDU - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. US DEPARTMENT OF EDU - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. US DEPT ED - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: EQUIFAX, INC.
State: LA
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 sent you a letter last XX/XX/ but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is a follow up to complaint XXXX - Wells Fargo has called and left message to call them back. We do not wish to talk over the phone and request all correspondence in writing since we will take them to court if needed. 

One of our main issues with them is the differences in communication on the phone and in writing. This is not acceptable and we should ask our calls reviewed during the discovery. 

We know we can not be the only ones who are in this similar situation - are you aware of a class action that we could join?

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 2019-03-27
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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2023-06-29
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10
Company: Credit Plus 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:
Hi, I need you help! I have reached out to both of these companies in the past. I discussed mortgage lending options with them. They were not allowed to pull my credit report! But yet I not see that they DID inquire and pull my report. I was actually told that they WOULD NOT pull my credit report. This is why I was discussing a loan with them in detail with the understanding but was not ready to purchase yet. Tricky!!! 

I would these crooks inquiries removed permanently from my credit report ASAP. 

# 1 - XXXX XXXXXXXX XXXX # 2 - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Bread Financial 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: Account information incorrect

Complaint:
I have an open dispute against XXXX/Comenity Bank with XXXX. I've attempted several times to resolve this ongoing issue. XXXX/Comenity sold alleged Account # XXXX to XXXX XXXX XXXX, XXXX. In an effort to resolve this matter, I filed for private arbitration according to XXXX 's Credit Card Terms and Conditions on XX/XX/XXXX ( Case XXXX. ) On XX/XX/XXXX the XXXX XXXX XXXX closed the case because XXXX failed to respond after several attempts. To get down to the bottom of the issue, I demanded an investigation from XXXX After an investigation, on XX/XX/XXXX, XXXX ceased all collection activity on this account, closed the account and removed the trade line from all credit reporting agencies as it is invalid. The very company XXXX allegedly sold this alleged account to, agrees the account was invalid. However, XXXX/Comenity continues to report invalid information to the credit reporting agencies on my behalf and in doing so continues to violate my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: EQUIFAX, 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

I dispute the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading specifically XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX and any non account holding hard inquiries. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on I want the incorrect information on my credit file be corrected immediately, and my rights not to be violated further.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: EQUIFAX, INC.
State: NY
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:
This bureau reported misleading information and they trespassed my rights of privacy. They have failed to do their GRAVE RESPONSIBILITY which is to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. This is a direct violation of federal law. Their negligence has caused me distress and I'm seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: Continental Finance Company, LLC
State: IL
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 XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX/conti all was ask to remove inquiries. Called multiple times a day.

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 2020-10-21
Company: Blackhawk Network Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Unfortunately, CFPB and regulatory agencies are failing in enforcing banks and financial companies to provide minimum customer service. 

I have a question about a charge in my card, and it is XXXX impossible * to contact anyone. Customer are left XXXX completely XXXX unassisted. Obviously, on purpose. 

How CFPB and regulatory agencies allow that? 

Prepaid cards often have very little time to be used ( a few months ). 
MyPrepaidCenter.com, maintained by Blackhawk Network , Inc, has a Contact Us link. The card in question is a Mastercard and they provide the telephone number XXXX. 

Please, call this number. You will be in an automated system with no option to speak to anyone. 

It seems the * only * way to ask a question is to send a physical letter to the address : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX, TX XXXX Letters take many days to arrive, can be lost unless you spend more which can be cost prohibitive ( why send a {$5.00} letter to question a {$15.00} charge ). 

Is this the best you can do, CFPB and regulatory agencies? Allow business like Blackhawk to operate with no customer service at all? 

Business like Blackhawk they laugh at regulatory agencies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all XXXX credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2018-04-06
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I was working with Ditech to get a loan modification over a year and a half. I would send and then resend papers to them only to have them day they didn't get them. I thought we were still working on a loan modification when I came home to a foreclosure notice on my door with a sale date listed. My husband and I had to file chapter XXXX bankruptcy in order to stop the sale and allow us to stay in the home during my husband 's declining health. He has now passed and I had the bankruptcy dismissed so I can pay off this loan and move forward with my life. 

My sister has been helping me through this as I don't have the strength to deal with it right now. She has been getting the same run around I endured when I was trying. They will not give us a payoff quote. They say they will send it but we don't get anything from them. Is it not my right to pay off this debt? Do I have to continue to be charged their " fees '' and other charges they continue to rack up on my account? If you go to XXXXXXXX you will see I am not the only one who has had Ditech run them around. It was sickening to me to read through these complaint and recognize the same tactics done to these people as were done to me. I wonder is there any way to stop Ditech before I lose my home as I read how many others lost theirs? They are even charging me for insurance on the property now. I have had an active insurance policy on the property which is paid through escrow with my first mortgage lender. It has never lapsed! I sent my declaration of insurance to Ditech but I'm sure they will say they never received it as they have with so many other document which I faxed to them ( repeatedly ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: Action Financial Services, LLC
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am currently on a plan to get my student loans out of default. Originally I was told {$37.00} a month which I can afford. Now, Im being told I have to pay {$220.00} a month because I make a lot of money. I explained to the man, Im the only means of income coming into this house and I have a XXXX year old son and a baby on the way! I explained that I CAN NOT afford this and he said I need to at least pay this once before we can try to lower it. Action financial service is the name of the company. I read I have the option to pay less without being penalized but he said otherwise. Please 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 2023-06-29
Company: EQUIFAX, INC.
State: CA
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:
Those collection accounts where not mine this is unauthorised transactions i keep asking from them this information. why they haven't sent it to me yet? i've search the name of this collection agency and there not even registered to XXXX and just incase as well you will be looking for a copy of my SS card i lost it so i attached my passport for additional proof

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-27
Company: NISSAN MOTOR ACCEPTANCE COMPANY 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:
I am a co-signer on my husbands lease account with XXXX XXXX XXXX. There have been two 30 day late payments reported to my credit report without me being notified that the payment had not been made. My husband and I are currently separated. I never received a phone call or a letter about this account running or being late. This is unfair and unethical. My credit should not suffer for someone else 's mistakes. I am the CO-SIGNER and not the primary account holder. If someone called me from XXXX I would have made the payment myself. The first late payment was in XX/XX/XXXX and the second late payment was XX/XX/XXXX. I reported this information to XXXX but a thorough investigation was not done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2018 I logged on to my Wells Fargo account portal to schedule the monthly payment. I followed the same steps as always, scheduling a full balance payment to be transferred from my saved checking account. Wells Fargo acknowledges that I logged on that day but did not record my payment. They suggested that I may not have hit submit to finalize the payment. I am 100 % positive that I scheduled the payment in the same way I have for many years now. After a couple calls about this matter, Wells Fargo agreed to waive the late fee of {$25.00}, however the charged interest remains and presumably a negative remark on my credit report for a late payment. Perhaps they are correct and the error was on my part. Or perhaps the matter is not so uncommon and other customers have had similar situations? My confidence in Wells Fargo has been shaken by past behavior and my experience with this matter. I report this matter in case this has happened to others and document the prevalence.

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 2022-11-07
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'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 XXXX XXXX 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 explanation
Consumer complaint received 2023-06-29
Company: EQUIFAX, 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:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation