BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-15
Company: FORD MOTOR CREDIT CO.
State: GA
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:
My issue is with XXXX  's continued use of two accounts on my credit file. They are Ford Motor Credit and XXXX XXXX. Both of these accounts were reaffirmed in a bankruptcy I filed in XXXX. The derogatory marks on my credit report related to that bankruptcy SHOULD NOT be reflected on my credit report. It is important to note that XXXX  does not show these accounts! Further, both of these accounts have been closed for quite some time ( Ford account was closed on XX/XX/XXXX and XXXX XXXX  was closed on XX/XX/XXXX. ) I was NEVER late on either of these accounts! There should not be anything derogatory on my credit file - whatsoever. 
I contacted XXXX to advise of the situation, and they said there was nothing that they could do. They said it had to do with the " reaffirmation of debt '' status and THAT IT WOULD NEVER BE REMOVED!! This is so ridiculously unfair and has to be illegal!!! They said that I had to dispute with Ford and XXXX! WHY when they should be removed from credit file - the companies have already reported 100 % on time payments and closed! 
There should not be any negative/derogatory remarks on my credit for a bankruptcy filed over ten years ago!! I want these removed immediately - as per FCRA guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02
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: Reporting company used your report improperly

Complaint:
TransUnion has reported information from companies and posted it to my consumers credit report. I did NOT give TransUnion my written consent or permission to do so. No consent is identity theft! TransUnion obtained information from someone else and took information from someone else without my knowledge, which is against U.S.Code 15 1681 ( b ). Identity 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 explanation
Consumer complaint received 2020-08-28
Company: U.S. BANCORP
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I signed up for an account, they said if I leave XXXX in there for 60 days theyll give me {$200.00} but the money was never credited.

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 2019-03-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo Bank, Home Mortgage insists that their on-line site is safe, but if it's safe how did my payments from XX/XX/XXXX and XX/XX/XXXX go missing? Wells Fargo Bank 's site is not safe. Wells Fargo Bank , Home Mortgage insists that I did not make these payments, but I am sending my records proving when these payments were made on their on-line site, which were stolen during transmission from the Wells Fargo Bank on-line site. Now they claim I have not paid off my mortgage loan, but I did. Wells Fargo Bank, Home Mortgage has been charging me late fees and other penalties since XX/XX/XXXX, which they must return to me immediately. Wells Fargo Bank employee at the branch location in XXXX, TX gave out my and other mortgage loan numbers to known criminals. Wells Fargo Bank has been attempting to deny this fact and trying to claim I owe money because a loan was given to criminals using my mortgage account number as collateral. I did not take this loan and I refuse to pay back a loan that was given to known criminals.

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 2018-06-27
Company: Experian Information Solutions Inc.
State: FL
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 ask you to do an investigation to the Experian credit company, I have been disputing the erroneous information that they are publicly exposing in a credit report for more than a year, and previously you asked them to demonstrate the reason for this information and they have not presented any legal document that supports this erroneous information. 

I have not authorized this company to disseminate, expose, publish or give my information to anyone, there is no legal document that I have signed between them and myself, so I do not see why they can disseminate my personal wrong information where my record, reputation and prestige are damaged, where there is a law that a company can manipulate personal information for profit to increase sales and credit interests for the economic benefit of others, this is unjustifiable, abusive and illegal, so I demand that this dispute for account information from XXXX " US DEPT OF ED / XXXX  '' # XXXX, be removed from the negative record and, I've never had a delay or ever stop paying there is no reason to have it in collection and delinquency. 

Experian has never presented me with any document or proof, the name of the judge, court, address, and telephone number of each person contacted regarding this alleged account. Have an information inaccurate or incomplete items in a credit history have serious consequences. They do not value the repercussion that brings a disinformation that destroys the prestige of a person, they do not give me work or monetary loans for this error that they are discarding. 
I am presented for more than a year the original documents of the company involved in the problem where it says explicitly that I have no debts and that my account was paid in full, and that I have no 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 2018-12-12
Company: Experian Information Solutions Inc.
State: NY
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:
Experian / XXXX / XXXX  / XXXX I am the victim of Identity Theft. 

The criminal completed credit applications ( over 47 ) using my Social Security number and someone else 's name and another person 's address. The credit bureau 's upon being contacted for credit checks by car dealerships DID NOT ( in protection of my information XXXX respond with facts - to the financial institutions by letting them know that this application 's information does not match with the social security number. THEY instead added the criminal 's information to my credit report. I now have several variations of my name listed, different dates of birth as well as false places of employment. My attempts to speak with them ends in them wanting me to prove these new names/addresses/date of birth are NOT mine yet the criminal did not have to prove anything - the criminal 's information did not match my factual information and yet the credit bureaus ADDED their info to my report. NOW they state it is up to me to prove who I am to have it removed. he credit companies will not review my report with me because I am unable to answer their questions. I am unable to because the information is no longer mine. One of the questions was : Out of the list of 5 places of employment please tell which two you worked at. I did not work at two of the ones listed and answered honestly and was told since I could not answer the question they could  not discuss further the information on my report. THEY PUT THAT INFO there. They altered the truth/facts by copying info off a fraudulent application. 

They also did NOT notify me of the mass amounts of inquiries ( over 47 ) and purchase of 5 vehicles all within a matter of days of one another. 

Nobody should be adding information to a credit report that alters the person 's identity.

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 2017-08-02
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This debt has been re-aged and is illegal under the FDCPA and the FCRA. This is is illegal under the FDCPA and the FCRA. I did not have any procedure done in  XX/XX/XXXX . The procedure was completed  XX/XX/XXXX , which is passed the statute of limitations in Texas and uncollectable at this time.
This collection agency is reporting on my credit report. I do n't have any executed contract with a collection agency and did not owe them anything. Due to HIPPA regulations, I did not provide any of my doctors to share any of my information with a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I noticed a suspicious trail of mortgage emails this morning at XXXXET. I made contact with the mortgage broker, loan officer and with no success emails or phone calls were unanswered. I seen where a mortgage loan was being processed in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 FILED WITH FTC ( SEE REPORT ATTACHED ) THESE HARD INQUIRES NEED TO REMOVED FROM MY CREDIT REPORTS ALL THREE AGENCIES. I HAVE SEN THEM COPIES OF THIS INDENTITY THEFT REPORT SEVERAL TIMES VIA FAX XX/XX/2018, XX/XX/2018,XX/XX/2018,XX/XX/2018 ; ALL SHOW FAX REPORT THAT IT WAS RECIVED BY THESE AGENCIES. BUT NOTHING HAS BEEN REMOVED.

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 2020-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
While checking my credit report I discovered unverifiedinformation. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty. 
1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Lender : Webster Bank in Connecticut ( XXXX, their public number ) On XX/XX/XXXX, I was charged a late fee of {$46.00} for a required payment of {$29.00} that was due on XX/XX/XXXX. 

I feel that this action by the Bank is unfair and deceptive. 

I asked the bank to kindly waive the fee. They refused. 

This is a variable loan, so I have been making a recurring payment of {$900.00} for the past several months, an amount that exceeded the minimum payment amount. The loan repriced in XXXX, which I wasn't tracking. 

As a result, the {$900.00} that the Bank received on XX/XX/XXXX was {$29.00} short of the minimum amount due. Immediately upon receipt of banks past due notice on XX/XX/XXXX, I called the Bank and brought the account current that day with a transfer of {$29.00} from the linked DDA account at the Bank. 

The late fee of {$46.00} is 5 % of the minimum amount owed which was {$920.00}. 

I feel the Bank 's charge is unfair, at I think it is unfair to charge {$46.00} on a short-payment of {$29.00}. As I brought the loan current on XX/XX/XXXX, I believe this amounts to a 5700 % interest rate on the amount owed of {$29.00}. I think a reasonable person would regard this practice as unfair. 

I think it is deceptive, because a condition of the loan is that I am required to maintain a linked non-interest bearing checking account and grant to the Bank a right of offset for the outstanding payment on the load. The linked checking account had a balance exceeding the {$29.00} that was owed. 

I think it's deceptive to require a linked checking account, ask for a right of offset, and then choose to charge a late fee of {$46.00} when the only reason to require the right of offset is to make the transfer from the DDA when required.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Theres a fraudulent credit inquiry on my credit report that needs to be removed Inquiry : 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 2018-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XXXX a XXXX called my job and told the secretary that there is a warrant for my arrest from a supposed debt I had from 2005 to bank of America. Which is not true actually BOA reimburses me almost 2   years ago. When my wife called the number that said XXXX left to ask for an address to serve proof of payment and to ask that I not be harassed and threaten at work a XXXX XXXX called her all kind of names and refused to give address. All I have is a phone number. XXXX. And a case number XXXX. They refused too.

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 2020-12-14
Company: RENASANT CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have an inquiry on my XXXX report that I did not authorize. I am a victim of identity theft. The following inquiry was made without my knowledge or approval. 

Renasant Bank XX/XX/2020

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 2020-02-01
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Original creditor : XXXX  XXXX XXXX  and Company account was sold to LVNV Funding LLC is in Violation of Federal law. ( Please see attachment for further details ) After challenging LVNV Funding LLC to accurately validate Account of which they have purchased from XXXX XXXX XXXX  account # XXXX. This account is currently being reported illegally. And must be deleted from my consumer reports immediately. 

Please note : the original creditor claims that they received last payment on this account in XX/XX/XXXX. But never closed the account. Account was not closed and I was not notified that account has been closed. 

As stated in writing the company claims that last payment was made in XXXX of XXXX but was not closed or charged-off until 233 days later in my of XXXX this is illegal. And be proven in court! 

Since account was not closed the account occurred interest and fees that was then added to the balance, of which can not be accurately verified. 

In addition I've made multiple attempts to have LVNV Funding LLC and the credit bureaus validate this account of which they have not done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: WELLS FARGO & COMPANY
State: MO
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:
This account ending in XXXX was paid in full with a letter form XXXX XXXX XXXX XXXX XXXX   stating the account was paid in full. letter attached

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 2018-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I used to bank with bank of America 15 years ago, someone must have got a hold to my personal information. Because I do not owe them only closed my account with them thats it. And im calling them to tell them and they are not sharing no information with me that is so crazy, thats why a lot of people are leaving them

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 2018-04-25
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:
The credit reporting agency is reporting XXXX XXXX on my credit report this is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: EQUIFAX, INC.
State: FL
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: Other problem getting your report or credit score

Complaint:
About a year ago I tried to refinance a vehicle through my bank. I was told by them they can not pull up my Equifax credit report. I called Equifax and they told me I had no credit file. After talking to multiple people including a Supervisor, I was told I had 2 credit files. They then stated I needed to submit a request to merge those files and provide proof of identity which I did at that time. I have then had to send 3 more times Proof of my identity which they keep stating that it's not legible. I have mailed to times and faxed one time my ID. These copies are very legible and in color. They are still refusing to fix my credit file which has prevented me from achieving any type of loan or mortgage loan For the past year. I was also told that my social security number was involved in the breach that happen last year. So at this point I feel like I'm just getting the run around from them which is preventing me from moving forward in my life. I would like this issue resolved ASAP thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
The interest is very high and almost unmanageable with my fixed income. I did send XXXX XXXX a copy of my Award letter.

The federal SCRA allows service members to cap the interest rates on most of their preexisting loans or obligations at 6 % per year while on XXXX XXXX. The 6 % interest rate cap applies to mortgages, credit cards, car loans, other installment loans, and some student loans. " Interest '' includes fees and other charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
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:
EXPERIAN AND XXXX ARE WRONGFULLY REPORTING BANKCRUPTY ON MY CREDIT REPORT. I first disputed this with EXP and XXXX who stated that they " verified with the creditor -COURT- I contacted the court -clerk 's office and received in writing statement saying they do NOT communicate, report, confirm or verify any information with the bureaus so this validation by EXPERIAN AND XXXX IS A LIE/ FRAUD 2 ) I then was told that they receive this public records information from company called XXXX XXXX whom I contacted they TOO stated in writing that they did NOT communicate with Experian or XXXX  about my file, they also sent request but did NOT hear from them- see attached proof. so this validation by EXPERIAN AND XXXX IS A LIE/ FRAUD 3 ) XXXX  XXXX- mailed me deletion statement for this public record being deleted/null/non existent in my name and my ss # which I forwarded to the credit bureaus EXPERIAN AND XXXX. Who in turn AGAIN sent me statement saying they " verified with the furnisher the information reported being correct and accurate ... '' BUT IT IS NOT!!! - SEE ATTACHED PROOF AND PLEASE DO SOMETHING ABOUT THIS, ISN'T THIS A VIOLATION OF FEDERAL RULES AND REGULATIONS.

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