BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-06
Company: Experian Information Solutions 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:
Since I filled a Identity Theft report with the FTC and my local police department, all three credit bureaus have reported my credit history as inaccurate. On XX/XX/2019, I went online and requested my credit report from Experian because my request to obtain my credit report through XXXX XXXX XXXX XXXX   was denied. I was successful in obtaining my credit report online. Credit report # is XXXX. I saw several discrepancies and decided to go online to dispute the information. I was unsuccessful in disputing the information online. I was directing by Experian website to call XXXX to dispute information. On XX/XX/2019, I call the number that was listed and a female agent took my information and started asking questions regarding my dispute. I disputed information that was listed on the report that was printed. The agent stated more than once she didn't see certain information I was disputing. She didn't seem as if she wanted to correct anything I was disputing. After we went over everything, she gave me a new credit report # XXXX. I received the report in the mail on XX/XX/2019 and as of XX/XX/2019, everything we have went over still remains on my credit history. No investigation was ever made. The agent never corrected anything. There are many unknown inquiries on my report. There is information that has not been disputed or corrected. There is information that is not listed and should be. I have had many issues with the credit bureaus regarding my credit history since I filled an Identity Theft affidavit with the FTC. I have contacted the credit bureaus many times in making attempts to correct my information. It is possible that there is fraud involved. Experian has more than thirty inquiries posted to my credit history within the last two months. Major Credit Bureaus need to be monitored because they are also posing a risk for fraud.

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 2019-08-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery Associates, LLC, a debt buyer, attempts to collect an old debt that has reached its statue of limitations under new California Law. PRA, LLC continues to report negative and misleading information to XXXX, as a result of inconvenience of applying various loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: Experian Information Solutions Inc.
State: NV
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 do not have an idea how this company conducted an inquiry on my credit report without my authorization! Please take this off my credit report 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, 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 non-monetary relief
Consumer complaint received 2017-11-08
Company: Experian Information Solutions Inc.
State: WI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I saw that XXXX was listed as a hard hit to my credit. however, I have a pre-paid phone service and that does not require a credit check. When I tried to go to Experian to dispute it, first I had to order a credit report. Their website said I could click " dispute '' but when I did, I was sent to the form to order another credit report. Their website gives intentionally misleading instructions in order to discourage disputes. The only other way to contact them online required me to upload a document but when I uploaded my copy of their credit report the website would not accept it. In the text of my complaint, I stated I felt it was criminal for them to profit from mining personal date from people and publishing false and/or potentially damaging reports about them without their permission. Then their website said I could lnot submit my report because the word " criminal '' was obscene. Their website is intentionally rigged against disputing the false items they publish for profit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: EQUIFAX, 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:
Im trying to get help removing some hard inquiries that my older brother has made impersonating me using my information and my social

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
XX/XX/XXXX.2017. A wire transfer was made in the amount of {$55000.00} to a vendor in XXXX XXXX known by us ( Company ) for many years. Correspondence continued  back and forth until transfer was made. When vendor did not confirm receipt of funds, we discovered that we had been defrauded and that the long email address was missing one letter. 

Our bank was contacted as soon as we realized what happened and asked them to recall the wire. However, our bank uses XXXX XXXX as the intermediary bank for international wires and the receiving bank was XXXX. Despite numerous telephone calls, emails and police reports, neither our bank, Santander or XXXX XXXX responded to us as of today. We were told that XXXX XXXX " attempted '' to communicate with XXXX to recover the funds, but XXXX has not responded at all. 

We are an extremely small company and the possibility of someone intercepting our emails and knowing that we are making international wire transfers is highly unlikely. We believe that either Santander and XXXX XXXX data has been compromised or that someone in these organizations is selling the information to a fraudulent entity. There is no indication that either of these 2 organizations have done anything to stop this from happening to other companies. As far as XXXX, we believe that they are harboring fraudulent entities in their countries because they had all of the information of the " person '' who received this wire, however, they have done absolutely nothing.

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 2017-11-08
Company: Experian Information Solutions 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 status incorrect

Complaint:
I saw charges on my account that were not authorized - when I contact company they refused to show proof or even explain the unauthorized charges by them - they marked my payment as late and it was n't even due yet. I closed my account on XX/XX/2017 and they are still showing it open and showing late payment on my credit card when the card has been paid in full and closed on XX/XX/2017.

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 2017-11-07
Company: EQUIFAX, 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:
Equifax, XXXX, and XXXX have done nothing to assist me with the identity theft, fraudulent loan in my name, or to bother correcting personal information on my credit report. In XX/XX/XXXX I was called at work by a credit card company to confirm I was trying to make a purchase over 50 miles away. I declined the purchase, contacted XXXX XXXX and then tried to file a complaint with the XXXX XXXX Sheriff 's Department. The deputy was rude and threw the paperwork at me. I have filled it out and sent it to at least one of the credit reporting companies only to have it stay on my report and I am still denied access due to the wrong phone numbers and addresses being on my report. I have never lived in Florida or Oklahoma and yet there are phone numbers for both and one address - all of which are wrong. I also do NOT have two Social Security numbers and yet they are claiming I do. I am not able to access a credit report and last received one after threatening to seek legal counsel yet again from XXXX. 

A creditor is also claiming I took out a loan in XX/XX/XXXX when in fact no loan shows up on my credit report nor did I take out a loan. All three of the credit reporting companies have failed repeatedly to bother correcting the wrong personal information as well as incorrect financial information. 

I have sent in reports and personal information to identify myself frepeatedly and see no point in doing so again since I have been repeatedly denied my rights as a U.S. citizen under the Fair Credit Reporting Act. My records have been inaccurate and I have been denied the correction due to me by this act as well as by applicable laws. I will not be paying incompetent corporations that make money off of selling my personal information in disgusting acts where I was never asked for permission {$10.00} or more for a credit freeze that a criminal can just take off. Due to the hacking and gross negligence of Equifax I do not feel comfortable handing these corporations any more of my personal information since they have proven they are incapable of safeguarding it, let alone keeping an accurate record.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Westlake Services, LLC
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my consumer report. 

The Credit Reporting Agencies stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active, and the date last reported is inaccurate. This is grounds for removal they also violated my rights under 15 USC 1681 section 602 ( a ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 USC 1681 section 604 ( A ) 2 : a Credit Reporting Agency can not furnish a consumer report without written instructions of the consumer to whom it relates

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 2017-11-06
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
The following hard inquires on my account that are not authorized. 
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 explanation
Consumer complaint received 2019-06-23
Company: Netspend Corporation
State: MA
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:
I had tried to withdraw about XXXX over a few transactions and I never received the money i requested and my card provider refuses to give me a provisional credit while they investigate

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 2020-06-06
Company: Experian Information Solutions 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:
i disputed a debt with XXXX XXXX with experian it was deleted only to be rereported again on all 3 bureau from a different collection agency.

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 2021-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Went in the dealership to apply for a lease with XXXX XXXX. I told my sales rep that I only wanted to look into leasing a vehicle and do not want to have several inquiries on my credit report. The rep reassured me that the dealership pulls the credit and then XXXX XXXX pulls it. I was very clear that I do not want anyone else to obtain my credit report. After leaving the dealership I noticed that they allowed 6 other banks to pull my credit and resulted in hard inquiries to purchase the vehicle instead of leasing. I was extremely upset because I expressed that I did not want this to happen. I then spoke to the XXXX XXXX XXXX and he told me he can run it through any bank he wanted to and then hung up on me. I feel they took advantage of me. This was extremely unfair because I told them my concerns and they deceived me by doing it anyway. I would like this addressed and to get the additional inquiries removed that was not from XXXX or 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 2018-09-20
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
One day i got a bill from XXXX XXXX for over {$3000.00} and i never had a account with XXXX wireless i called and and told them that i never had a account with XXXX XXXX so i disputed with them and after few months later they told me somehow they verified that i was the one that opened over 5 lines, but thats crazy i never had XXXX XXXX let alone have 5 lines. so please i need help removing this from my credit because i want to buy a house and this needs to be removed from my account before i can buy a house. 

Date Opened XX/XX/2017 Account Type Collection Balance {$2900.00} Contact Address XXXX XXXX XXXX, XXXX, MA XXXX Ownership Individual Original Creditor XXXX XXXX Company Sold-to - Original Amount {$2900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Experian Information Solutions Inc.
State: MI
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:
Went in the dealership to apply for a lease with XXXX XXXX. I told my sales rep that I only wanted to look into leasing a vehicle and do not want to have several inquiries on my credit report. The rep reassured me that the dealership pulls the credit and then XXXX XXXX pulls it. I was very clear that I do not want anyone else to obtain my credit report. After leaving the dealership I noticed that they allowed 6 other banks to pull my credit and resulted in hard inquiries to purchase the vehicle instead of leasing. I was extremely upset because I expressed that I did not want this to happen. I then spoke to the XXXX XXXX XXXX and he told me he can run it through any bank he wanted to and then hung up on me. I feel they took advantage of me. This was extremely unfair because I told them my concerns and they deceived me by doing it anyway. I would like this addressed and to get the additional inquiries removed that was not from XXXX or 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 2019-06-23
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rocket Mortgage escrows for my homeowners insurance. They have not paid the insurance and it is being cancelled. I notified them and the insurance company billed them. They do not pay the escrows timely.. 

They do promptly credit mortgage payments to the account. They cash checks but to do not credit account. 

I have sent them faxes and emails but they do not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been receiving notices from these people for quite some time. I thought it was mine but then realized it was a previous boyfriend of mines and they are trying to collect from me. I tried on several occasions to obtain documentation from them that proves that this is my debt and if so, that this collection agency has the right to collect the debt. I have not received anything and they continue to report to the credit bureaus and they continue to send me notices. 

XX/XX/XXXX - Requested Validation/verification of proof that this debt is mine, that they were assigned the debt as well as proof that the debt was assignable. 

XX/XX/XXXX - Sent a 2nd request to validate/verify the account. 

XX/XX/XXXX - Made a 3rd FULL REQUEST of proof that this debt is mine, that they were assigned the debt as well as proof that the debt was assignable. 

They simply ignored me each time and sent nothing. So I would like assistance in either obtaining this information, or assistance in having them to stop reporting this unverifiable information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have an existing loan serviced by XXXX XXXX XXXX. I received a pay off demand with an Other Fees * {$16000.00} on the demand. The detail said included an attachment A with no explanation of this charge I never agreed to, or authorized. When I called XXXX XXXX XXXXXXXX they said it would take 3 weeks for any response. Now I am frozen to complete my current refinance which has a rate lock expiring. I am left with no recourse and no help from XXXX XXXX XXXX. This will cause me financial peril and I am seeking help from the cfpb to force my mortgage servicer to respond and/or remove this illegal charge. 

- I have never been late on a mortgage payment. 
- I have perfect XXXX fico score credit. 
- I have never agreed to any pre payment penalty which is illegal. 

Thank you for your help in this urgent matter. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: WSFS FINANCIAL CORPORATION
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX, through its counsel, XXXX and XXXX, is illegally foreclosing on my home. The deed of trust was not properly notarized because my ex husband did not sign it in the presence of a notary and his signature was not acknowledged. See Murray v. Wells Fargo Home Mortgage, 953 And 308, 318 The notary acknowledged himself and not the borrower. The document is dated XX/XX/2006 but was signed on XX/XX/2006. The document was signed at XXXX XXXX XXXX XXXX in Washington DC. It is notarized by a Maryland notary who was not present. 
The settlement was scheduled for XX/XX/2006 but the documents were brought to the XXXX XXXX address on XX/XX/2006 by two women and Mr. XXXX signed them while under the influence of alcohol. There is a stamp stating XX/XX/2006 in the lower right corner. 
Mr. XXXX was not in Maryland on XX/XX/2006 nor on XX/XX/2006. 
There is title insurance which was originally with XXXX XXXX XXXX XXXX XXXX which was bought by XXXX XXXX XXXX XXXX XXXX. I have begun the claim process with them. 
Wilmington Savings Fund Society chooses to illegally foreclose rather than to resort to lawful methods.

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 2022-08-12
Company: EQUIFAX, INC.
State: OK
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:
I sent my letter off. I told the credit bureaus to " delete all names, addresses, and phone numbers '' on my credit report. Also I have attached the letter I sent out.

Company response to consumer: Closed with explanation