BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-13
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I XXXX XXXX XXXX, SSN XXXX, opened a mortgage in the amount of ~ XXXXUSD with Wells Fargo on XX/XX/XXXX. Wells Fargo foreclosed on my property utilizing a 3rd party servicing law firm " XXXX XXXX XXXX  : XXXX XXXX XXXX , XXXX .

XXXX XXXX XXXX XXXX, MA XXXX PHONE : XXXX FAX : XXXX I owed both state and federal taxes not directly tied to the property. Ultimately, I submitted a complaint to wells fargo and the CFPB as wells fargo contractually was responsible ( based upon the language in the foreclosure contract/agreement published by XXXX XXXX XXXX and authorized by wells fargo. Wells Fargo has not reviewed the XXXX XXXX XXXX agreement, and XXXX XXXX XXXX is now refusing to provide the agreement to me. The agreement was emailed to me at one point but due to my phone being stolen I can't access the agreement. It is important to note an executive resolution specialist by the name of XXXX XXXX called me on XX/XX/XXXX where we had a robust discuss. It's also important to note those phone calls are recorded.Essentially wells fargo is skirting liability by what I call creative nomenclature. In my instance wells fargo tied my FHA loan to a bank statement that said XXXX XXXX, instead of my federal tax return which has my full name XXXX XXXX XXXX or XXXX XXXX XXXX. Upon closing I provided my passport and license which both state XXXX XXXX XXXX. I believe I uncovered a major scam where wells fargo is defrauding consumers. For example, if wells fargo only tied the loan to XXXX XXXX, when they submitted paperwork for either a judicial or non-judicial foreclosure process unpaid taxes and liens would not show. It's important to note the loan is attached to my consumer report which has my name of XXXX XXXX XXXX or XXXX XXXX XXXX minimally. The bank is essentially tying the loan to whichever leaves them the least liability that they need to disclosure in the event of a default. I've done some research and I can prove they have done this to numerous consumers and I've solely been able to prove this be true based upon public deed records. I will be describing more when I go public as it is very difficult to tell the full story here. Ultimately Wells Fargo is defrauding the US government, investors, consumers, and is causing many families to be homeless, damaging their credit reports, and undermining FHA loans. Also listen to phone calls recorded on XX/XX/XXXX and XXXX- Wells Fargo or a  representative contracted by wells fargo N.A assured me they would not lose. delete or misplace the recordings of our discussions and they also stated they would be mailing me a statement that said they listened to all of the calls prior to reaching a decision on the matter. The resolution specialist I last spoke to was XXXX XXXX extension XXXX. 

I previously submitted a CFPB complaint under # XXXX-XXXX. I also notified the FBI.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 am formally submitting this CFPB complaint just to notify you about the late open account upon checking it in in my credit file. I found out that the account XXXX still on my credit file which are appeared as late, the fact is, I've been paid it already. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned accounts are incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. With your assistance, these accounts XXXX  XXXX Balance : {$12000.00}, and XXXX  XXXX Balance : {$12000.00} should be corrected by the 3 credit bureaus right away.

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 2023-10-09
Company: LEXISNEXIS
State: OH
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:
I was a victim of identity theft. I got a alert from my fico that someone has stolen my identity. They charged all of my credit cards without my permission. After stealing my identity, I would like all of these removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: EQUIFAX, INC.
State: TX
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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX incorrectly reported my name to the credit agencies as XXXX XXXX XXXX when it is XXXX XXXX XXXX. This happened months after I legally changed my name from XXXX XXXX XXXX to XXXX XXXX XXXX. 

Additionally on their XXXX product they still continue to list me as " XXXX XXXX '' despite my repeated attempts to fix it. After this happened my credit score showed up in XXXX a whole XXXX points below that shown on my XXXX credit report. The only change during that time was my name. I suspect that I will not be able to get a loan until this is fixed. 

When i contacted XXXX they require me to physically mail copies of identifying documents to them to get my name corrected in their system. I assume that XXXX XXXX didn't have to mail paperwork for their mistake to carry over. XXXX has also told me that XXXX XXXX has to fix things on their end. 

I have discovered that Equifax has that fictitious name on my report as well. I have not attempted to contact them yet. 

My basic complaint is that XXXX XXXXXXXX blames XXXX while XXXX blames XXXX XXXX and NEITHER of them are willing to correct their unlawful mistake on my credit report in anything close to a timely manner. 

I am under the impression that this is a violation of Federal Law and if intentional may constitute discrimination based on my XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
During the stated time the account was said to be open ( XX/XX/XXXX ) and up to now, I've been trying to get California Check Cashing to give me more information and the validation of the debt. Moreover, they immediately sent the loan into collections without giving me time to see what the issue was. Unfortunately, I was charged an outrageous APR at the time, and there were no attempts to check in on what happened. During this time, I was going to a stage of financial hardship, and having this go through collections dampened my ability to get further aid as it lowered my credit score. I looked through my records, and it appears as though the attempt to collect debt was at XX/XX/XXXX. 

While this was only a small amount of debt ( XXXX ), but the collection hurts my overall credit score despite the fact that I have already cleared the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-09-23
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 status incorrect

Complaint:
XXXX XXXX XXXX XXXX told me that if I paid the balance off that the account would be removed from my credit report. 

They have refused to remove the account from my credit reports Experian, XXXX XXXX and XXXX. 

Ive disputed it several times.

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 2022-09-23
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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

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 2021-09-13
Company: TRUIST FINANCIAL CORPORATION
State: NC
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 was alerted of hard credit inquiries which I did not authorize and no knowledge of. I was advised by companies to dispute with credit bureaus as they could not remove. Credit Bureau explained FTC filing is needed.

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 2021-11-12
Company: AES/PHEAA
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 paid off the remaining balance on four Federal Stafford student loan accounts XX/XX/XXXX ( due the XXXX of every month ) during the covid pandemic. By the second week of XX/XX/XXXX, my FICO credit score dropped 133 points from XXXX to XXXX because XXXX reported my 4 student loan tradelines as 60 days Past Due Date/Maximum Delinquency of 60 days as of XX/XX/XXXX, however, the negative information in the summary details contradicts the information provided by the XXXX Tradeline Payment History chart where all sections or months are recorded as OK or CURRENT. My loan was under a federal IDR plan, and if I were late, I was eligible for relief under the COVID 19 Rescue Plan. 
XXXX XXXX XXXXXXXX I also possess the loan payment details from the loan servicer 's online site indicating I was 0 days delinquent on all 4 of my student loan accounts. Currently, I am unable to secure credit, a lower interest rate, additional lines of credit, a mortgage, or an auto loan. On XX/XX/XXXX, I was denied a loan from XXXX XXXX with whom I previously had a line of credit that I paid off in XXXX of XXXX. The negative information according to XXXX will not be removed or dropped from my credit file until XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-08
Company: EQUIFAX, INC.
State: TX
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:
EQUIFAX has mixed up my information with that of my sister, XXXX XXXX XXXX. I have repeatedly, over a 20 year period, contacted them by email and mail. I have sent them all that they request including my driver license, birth certificate, social security card and utility bills. I have explained they are combining my sisters information with mine. Every time I try to open an account it is denied because of this. I register to use EQUIFAX online and keep getting my sisters credit report, but my information and accounts are included in it. I am exhausted and frustrated. I need this fixed. We are two people, not one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Settled an account with XXXXXXXX XXXX XXXX. Disputed findings with Experian and Experian states their research and feedback from XXXX leaves account information unchanged. I called XXXX and they indicated they sent and/or will send correct reporting. As of today, the report shows I have a balance and collection is still active. 

Experian Dispute # XXXX Closed XX/XX/2022 I provided letters from XXXX showing account balance is XXXX and account is settled. 
Experian 's response on dispute is unchanged and unable to re-dispute because they consider this a duplicate request. 

XXXX Is still reporting : Status : Collection account. {$1.00}, XXXX past due as of XX/XX/2022.

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 2022-09-13
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: Reporting company used your report improperly

Complaint:
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 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collections of any debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: General Motors Financial Company, 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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to GMFNANCIAL, but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
B.ofA. sent out by mail a promotional offer that included the right to borrow money for a number of months at 0 % interest if the card holder paid an up front fee of 4 % of the amount borrowed ( or advanced ). During the promotional period of the loan the card holder could use the card to make purchasers within the remaining credit limits however they would be billed for the amounts drawn or used on the card at all the standard terms ( i.e. interest, late penalties, minimum payment amounts required etc. ) Even though the I never used my credit card for anything once I obtained a XXXX $ promotional advance, never-the-less I began to get billed monthly for a " minimum payments due '' and when not paid, I was assessed a late penalty and had my credit limit reduced for not making these " minimum payments '' due when in fact no payment on the {$3000.00} dollar promotional balance was due for several months. This is a false, misleading and unfair business practice. The promotion is designed to appear that the card holder/borrower has the use of the entire amount advanced/borrowed ( in this case {$3000.00} ) up to the time of the promotion is over, and this is without any interest, or payment of anything due and hence there could not and should not be any " minimum payment due '' monthly during this entire promotional period.

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 2015-03-29
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
We ( XXXX XXXX and XXXX XXXX, husband and wife ) filed Bankruptcy case XXXX here in the XXXX of Illinois. Pursuant to the settlement of this case the mortgage with XXXX # XXXX on this property was surrendered and transfered back to the bank. We no longer have anything to pay on this loan as it was discharged as of XXXX. The bank is continuing to report it as past due. I 've contacted the bank and received no response. I 've sent letters to the XXXX credit reporting companies. Equifax responded that the bank said they are reporting this correctly. This can not be correct as we no longer have this loan. Is the bank saying they will report this as past due for years although we no longer have an obligation to pay this loan. We are trying to reestablish our credit and have been denied credit as our credit scores will continue to go down and/or not change as this loan is continuing to be posted monthly as being unpaid.

Company response to consumer: Closed with non-monetary relief