BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-30
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date opened : XX/XX/XXXX Balance : {$580.00}, XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$240.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX XXXX {$390.00}, and XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.

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 2020-11-04
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I disputed items with XXXX  and Experian on XX/XX/2020 and today is XX/XX/2020 and still no reply, its been well over 30 days and I would like for these accounts removed 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 2020-11-25
Company: TD BANK US HOLDING COMPANY
State: MN
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: Problem with personal statement of dispute

Complaint:
I received a letter stating the information sent to the credit bureaus was correct, but they did not provide me with the documentation to verify the late payments. According to the FCRA as a consumer it is my right to receive supporting documentation if the late payments were in fact verified which has not been provided. Provide me with documentation of these late payments to address provided. I have also provided proof of FCRA violations if a resolutions in not agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: ASG Solutions LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am filing a complaint about a debt that was paid with a collections company under a settlement agreement, This account was settled in Full for {$430.00}. I have the letter that was sent from ASG Solutions LLC. I believe my file was mismanaged and the fund were applied to another XXXX XXXX XXXX XXXX {$740.00}. I recently pulled my credit report from all three credit bureaus, XXXX, XXXX  and XXXX   and to my amazement, saw that ASG Solutions LLC have never updated the account. I immediately disputed this by phone, as I had not even received a statement from you. All these bureaus verified the update. I tried numerous times to get my statements from you, but never received them. Finally, I was able to get someone on the phone and paid the balance. You assured me everything was fine and reported properly. What happened? I settled this account! I have my cell phone statements to verify my numerous requests for my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Discover Bank filed lawsuit in XXXX XXXX XXXX on XX/XX/2021 without notifying. The balance on the account which was active was subjected to termination due to mis payment & arrangement with third party XXXX XXXX XXXX XXXX. The last payment was done of XX/XX/2021. There is balance to catch up, and surprised with lawsuit as payment arrangement was made with third party due to Discover Bank online payment getting disabled. Had good history keeping up with payments with some reason on missing out payment schedule due to personal & business trips.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 ask transunion to remove this account that is not my account they have not yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo has failed to supply the requested information I have asked for in regards to an FHA backed loan that is in my name. In XXXX, I notified XXXX ( the case manager at that time ) via the phone, that I wanted a copy of all paperwork regarding the short sale pending on property XXXX XXXX XXXX XXXX, Ohio XXXX. I also informed XXXX that the federal document, XXXX, regarding the short sale clearly states in line one of paragraph 2 that the realtor listing the property is to be unrelated to you ; the listing agent XXXX XXXX is XXXX XXXX 's biological aunt. Lastly, I informed Wells Fargo by message of this information on XX/XX/2018. I also informed Wells Fargo that a third party is living in the home and may presumably be paying XXXX rent while the mortgages payments are still not being made. It clearly feels that Wells Fargo is ignoring the facts that have been provided and thereby ignoring the federal requirements of this transaction. Further, they have been advised that monetary gain may be being received by XXXX for a federally backed loan that is not being paid. 
Wells Fargo responded to my written inquiry, via their internal message center, on XX/XX/XXXX stating XXXX XXXX was assigned as my point of contact until the issue was fully resolved ; I have never heard from him. Next Wells Fargo sent a letter to me from XXXX XXXX, dated XX/XX/XXXX, stating that my inquiry was important to them and they would respond by XX/XX/XXXX. In another letter dated XX/XX/XXXX, by XXXX XXXX, Wells Fargo stated that my concern was important to them and they would respond by XX/XX/XXXX. In a letter dated XX/XX/XXXX, by XXXX XXXX, Wells Fargo again stated my concerns were important to them and they would respond by XX/XX/XXXX. It is now XX/XX/XXXX, almost two months after I initiated my complaint and they refuse to provide copies of all documents related to this short sale or address my concern about their disregard of federal form rules. These are not federally protected documents, and would be accessible under the Freedom of Information Act even if  so.

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 2020-11-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
On XX/XX/2020, CAPITAL ONE BANK USA add a hard inquiriy on my credit report per XXXX. 
On XX/XX/2020, CAPITAL ONE add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: SECURITY CREDIT SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
All but one current account in my reports XXXX security credit {$610.00} XXXX was already disputed and removed from my reports the beginning on 2020 and now they have been put back on to my reports again!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My son and I share the same name, XXXX XXXX. On XX/XX/XXXX of 2020 his XXXX  Bill XXXX cable ) acct # XXXX at address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX went into collections for approx {$290.00} in past due charges. This collection amount was erroneously reported on my credit report. I have disputed with equifax and the investigation was not resolved, I have contacted XXXX  on numerous occasions, we have been able to verify the account was opened under my sons SSN and that my account balance is XXXX  for my services but XXXX  and the debt collection company have not removed the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: TRUIST FINANCIAL CORPORATION
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:
There are fraudulent inquiries on my credit report that I did not authorize.

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 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2019-05-31
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:
XXXX XXXX  XXXX XXXX XXXX XXXX has listed my account balance the same since XX/XX/2019. I submitted information and documentation to Equifax to resolve submitted dispute for incorrect payment history, continues to report back verified and accurate. 
XXXX XXXXr XXXX XXXX XXXX XXXX, I am requesting statement balance as of close of business date XX/XX/2019 to include my payoff balance. I also am requesting the estimated date that my payment made XX/XX/2019 will be submitted and processed. I also would like a written response as to why I I have to contact the CFPB in order to get responses to written request sent certified mail with no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This XXXX is currently showing 30 days late way back XX/XX/XXXX, XX/XX/XXXX and in XXXX to XX/XX/XXXX. I have multiple attempts in reaching the bureaus and the company however I do not receive any feedbacks or response from them. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately because this late payment is affecting my credit scores and need it to remove immediately. 
XXXX XXXX XXXX : {$320.00}

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 2018-04-27
Company: AES/PHEAA
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I had consolidated my loans to XXXX. Mid- XX/XX/XXXX I was having trouble making my payments due to low income. I received an email on XX/XX/XXXX stating that they had defaulted and that they would go delinquent if I did not call in. The email stated that they can help. I called in XX/XX/XXXX and talked to a man about lowering my payments. He was very helpful and was to send me documents to fill out to ensure we got my payments lowered. I asked him, if I should make payments until we got the due amount lowered. He stated, not to pay until after I received my documents, mailed them back in, and got approved for the lower amount. I never received the documents. I called back in XX/XX/XXXX letting him know I hadn't received them. I took his advice and kept waiting on documents and not paying. I went to get a car loan in XX/XX/XXXX. As I was attempting to secure the car loan, the lady told me that there was something on my credit that I needed to check in to and that I couldn't get the loan. I looked into it and saw that XXXX had marked me as delinquent and sent my balance to collections. I called XXXX immediately and spoke with a lady and told her that I had been talking to the guy on getting the paperwork and that he had told me not to pay until it came. She went back and listened to our recorded conversation. She apologized that the man had given me wrong information and that there was nothing she could do. She then told me, " If it makes you feel better, he was let go from the company ''. No, that does not make me feel better because now my debt in is collections, I can't get approved for a car loan, and it impacted my credit immensely. I now have issues with the collection agency and communicating with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: EQUIFAX, INC.
State: LA
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:
On XX/XX/2020 when I submitted a dispute letter for those inaccurate and unknown accounts. over 30 days now haven't received a response. I was a victim of the Equifax Data breach. I want all those unknown and inaccurate accounts must be delete from my credit report or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2019-03-26
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My complaint is against Barclays bank. What happen here is that Barclays bank is reporting a 30-day late payment this happen in XX/XX/XXXX-XX/XX/2019. The 30-day late payment is for annual fee which I was not aware I had to pay. Months back we tried to use the C.C and it did not work therefore I assumed that the account was closed. I was aware of this incident because I was informed my mortgage company telling me that I was no longer approved for a $ XXXX home loan, which is to close next week. Otherwise I will lose my {$10000.00} deposit for the property.

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 2019-03-26
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I was advised to contact you regarding some items on my credit that are not mine. I'm really trying to purchase a family home and this has been holding me up as I didnt know how to approach it at first. I have contacted the FTC and the police here. Please have these items removed from my credit. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and 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 2019-03-02
Company: Santander Consumer USA Holdings Inc.
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Went online to get the loan and told us we could only get a vehicle at XXXX XXXX. Then we picked out a car and his parents asked them if it was XXXX financing. They lied and said it was, then we picked out a XXXX XXXX. The next day we got a ride and they gave us a different vehicle and it was very clear that the paper work had been done over where we signed to read something completely different and our ride had already left so we had to drive the vehicle back home. The first day home we filed with the Attorney general 's office. We were told by them not to pay the payments so we would not validate the loan. THEN I FOUND OUT THAT SANTANDER HAD BEEN ILLEGITIMATE, and had filed bankruptcy. We Never used the vehicle as it was not the one we purchased and we will not pay for it. THEY PULLED A Bait and switch and its illegal. The vehicle was returned to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Identity theft.

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 2020-07-15
Company: AMERICAN ADVISORS GROUP
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
The underwriting department did not know what they are doing and they are very sloppy and unorganized. They are very inefficient, always asked the same information twice. First they gave the excuse of waiting on revised appraisal. they received the appraisal XX/XX/XXXX then asked for my HOA insurance policy, I got it for them the same day then said waiting for Title clearance. Why don't they check all of that as soon as they received my application XX/XX/XXXX. The loan was closed XX/XX/XXXX, it took almost 2 months that is too long, The last, not the least they paid {$150.00} expedite fee for HOA statement out of my pocket without my consent. There is no reason for it and there is no rush for it at all. 


I files the above complaint with them, received a reply to aske me to call their care team, They do not even have such a team, My call was transfer to XXXX and he said would get back to me no later than toldy XX/XX/XXXX, but he did not.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: AZ
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 accounts : XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXXXXXX ACCT # 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. It also states a consumer reporting agency can not furnish an 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 non-monetary relief