BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX XXXX  can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-19
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to negotiate a solution to my mortgage loan with Wells Fargo but they have been unreasonable and have refused to work with me. I have the means to afford my payment and after a bankruptcy discharge OFFERED to make double monthly payments to wipe out the last arrearages. Wells Fargo refused this offer and instead demanded full reinstatement. When I could not come up with the necessary funds they immediately set a sale date. This is an FHA loan backed by HUD, and Wells Fargo did not even open a review of my financial circumstances to consider this repayment plan. They also failed to consider a modification or special forbearance. My wife and I both work and are able to fix this problem but Wells Fargo is not playing fair. They are more interested in foreclosing than working things out.

My wife and I bought our home in XX/XX/2010. I have worked as a XXXX XXXX  for 9 years and my wife works as well. We had a bit of a family crisis a few years ago when my mom came down with XXXX and could no longer take care of herself. Although my father was living and with her, he was a XXXX XXXX and could barely care for himself. We had to become involved and help in her care. After my father passed away we had no options and had to come up with the funds to put her into an assisted living home. We had to put a lot of time and money into getting her set up and situated as well as settling my father 's affairs. Due to these events, we fell behind on our mortgage payment a few years ago. We contacted Wells at that time to modify the loan and eventually were approved for a program. However, our finances were still in shambles and we ended up reorganizing our debt through a Chapter XXXX  bankruptcy. We made all payments as agreed on the BK to the trustee and Wells continued to get paid each and every month. Once the bankruptcy was discharged we again tried to engage with the Wells loss mitigation agents to try and resolve this matter permanently. We asked if we could enter into a repayment plan and actually pay more than a double payment each month ( current payment is {$1300.00} and we offered to pay {$3000.00} a month ) but their agents would not accept this. We were told the only option was to fully reinstate the loan with a lump sum payment of {$8000.00} which we did not have at that time.

Wells Fargo has not considered us for programs such as loan modification, partial claim, special forbearance or a repayment plan. We had the means to afford a repayment plan that would have quickly gotten us back on track but their agents would not even CONSIDER it. This is egregious and shows that Wells Fargo is more interested in cashing in on the government insurance for this loan instead of trying to find a solution.

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 2023-05-23
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
XXXX and XXXX This debt was paid to the original creditor and you have no business continuing to report it as a collections account. In fact, I never had a contractual obligation with this collections company and they are fraudulently claiming I owed them.

DEPTEDXXXXI do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account

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 2018-12-19
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I need to know how many qualifying payments I have for Public Service Loan Forgiveness. XXXX XXXX XXXX said it would take 3 months to calculate. Then they said 6 months. Now they say a year. I should complete my 120 qualifying payments in XXXX of 2019. In the event that there is a mistake I would like time to fix it before I complete my payments and apply for forgiveness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20
Company: Harris & Harris, Ltd.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Harris & Harris debt collectors calling from XXXX separate numbers XXXX and XXXX Called XX/XX/XXXX XXXX XXXX Called XX/XX/XXXX XXXX XXXX  Called XX/XX/XXXX XXXX Called XX/XX/XXXX XXXX We have no debt and no reason to talk to such a company. Can't block them with my XXXX XXXX phone company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Experian Information Solutions Inc.
State: CA
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 recognize any one of these 8 inquiries and did not authorize anyone to run my credit. 

XXXX XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX Inquiry from XX/XX/XXXX Utilities & Fuel XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/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 2023-03-07
Company: GOLDMAN SACHS BANK USA
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:
I've asked all 3-credit bureaus to do a thorough investigation on all of my accounts in which they did, and they have stated everything was accurate. I then reviewed the reports on my own and discovered that there are still improper inaccuracies on my XXXX, XXXX and XXXX credit reports. 
The account and payment history that I found to be inaccurate is : Goldman Sachs Bank USA, Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX These accounts do not belong to me. I have notified all 3 Credit Bureaus of this and asked that it be removed entirely from all 3 of my credit files, which they refuse to do. In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account number ending in XXXX has violated my rights. 15 U.S.C 1681 section 602 A states that I have the right to privacy. 15 U.S.C 1681 section 602 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Mercedes Benz Financial Services
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have financed the car with MERCEDES BENZ FINANCIAL SVCS. PAID IN FULL FOR THE CAR!! 
never late, it was reported to the credit agencies, WRONG, as " CHARGE OFF, ACCOUNT CLOSED. 

THIS IS INACCURATE INFORMATION, several letters was sent, to request to correct this wrong information.the last letter was sent on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: RSI Enterprises, Inc.
State: OK
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:
On Sunday, XX/XX/XXXX ( exhibit A ), a collection agency called RSI enterprises has violated FDCPA/FCRA as well as Federal Criminal Law by unlawfully changing my Address on my XXXX   Credit File to one I have no past or present connection to ( in the state of Virginia where I have never lived ), but is conveniently within driving distance from their office and within the same state / Jurisdiction ( Virginia ). This was certainly done for the purpose of gaining leverage on a Collection by surreptitiously & deceptively filing for & obtaining a judgement against me in their local court on a wrongful collection just before the 2 year statute would have expired and in my absence ( since fraudulent address would ensure that I would never be notified of the court summons ). Their attempt was thwarted as I caught this infraction right away ( by XXXX alert system ) and reported the address change as fraud. XXXX then deleted the fraudulent address change from my file along with the wrongful collection ( Exhibit B ) On XXXX XXXX, XXXX I alerted RSI of the address fraud committed by them and requested they take appropriate action. 

On XX/XX/XXXX they finally replied ( exhibit C ) denying any accountability for the infraction, blaming it on a automatic computer system glitch ( contrary to XXXX informing me otherwise, that a human at RSI Enterprises had to enter this information manually in order for this false address change to take place )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: EQUIFAX, 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:
Last Reported XX/XX/XXXX Creditor Name XXXX Account Type Credit Card Account Status Closed - Paid Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$6500.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$7400.00} Payment Status Current Worst Payment Status XXXX Days Late Date of Last Payment XX/XX/XXXX Amount Past Due $ XXXX Times 30/60/90 Days Late XXXX Needs to all removed from my credit report, all the lates were completely inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
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 information incorrect

Complaint:
The account below has incorrect balance. 

1. XXXX XXXX XXXX  Reported XX/XX/2020 38 % {$150.00}, balance is XXXX. 

2. XXXX/XXXX  Reported XX/XX/2020 58 % Balance : {$1500.00}, balance is incorrect.

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 2023-03-20
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: Information belongs to someone else

Complaint:
This is the several time I've complained about being a victim of identity theft. You must remove/block any accounts that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 This is my follow-up complaint to ensure the removal of the aforementioned accounts

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 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 been trying to dispute an address that I believe to be a part of litigation in identity theft from a breach in 2017. And according to this they are not taking the proper step under the FCA to investigate, accurate information as well to withholding proof on how the information was obtained, re-adding previously deleted information, unwilling to verify an address, place on account through identity theft or 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 2021-12-08
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: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Santander Consumer USA 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: Old information reappears or never goes away

Complaint:
derogatory credit and collections that were not mine were left on my credit report for more than 7 years. All these items happened after, in 2010, I had lost and reported the loss of my identification and social security card to the XXXX Precinct in XXXX, New York. There are credit cards, loans and multiple education department federal loan requests for the same loan. The loan has not been properly deferred or taken off. There are several collections ( 3 ) for debt i do not owe and never made a contract for credit with those places. Please review and remove these items off each report ( XXXX, XXXX  and XXXX.Please remove in accordance with the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: Experian Information Solutions Inc.
State: GA
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:
Hi, More than two years ago, paid the full amount to the collection agency. I was told will be removed from your account. 
Already sent the payment letter and XXXX balance letter to the Experian to remove the collection report from my credit score. However, they did not remove it and still keeping in my score. Currently, I have XXXX balance for that account and paid the amount two years ago. 

Currently, trying to get a mortgage loan for better APR, but can not get it because of this score that provided by Experian Please see the attachment Thank you, XXXX XXXX XXXX, XXXX, Ga

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 2022-08-07
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This is a follow up to my earlier complaint with Citibank. 

Given that the hacker accessed my account with no issues, why wasn't I alerted that someone had entered my account from a different computer/IP address? 

I was just sent two emails 'congratulating " me on opening TWO Priority checking account and an email telling me I had applied for a personal loan- which surely would seem odd, given that I am a Citigold member? 

Where was the protection of my account and my computer?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-11
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have contacted XXXX XXXX  about a XXXX XXXX XXXX XXXX  Credit Card they allowed to be opened in my name fraudulently, and I have also contacted Citi Bank about a Home Depot card they allowed to be opened in my name fraudulently. I have mailed correspondence to both companies to let them know that these accounts were opened fraudulently, and I have provided both of them police reports that clearly stated these accounts and other accounts were opened in my name as a result of fraud, both companies have refused to refrain from reporting this fraudulent information from my credit report even though I have notified them multiple times and provided evidence that these accounts were fraudulent. 

I have also contacted XXXX  about these fraudulent accounts but XXXX has refused to do proper investigations, and XXXX was also provided a copy of the police report outlining the fraud. XXXX has chosen to continue to allow this fraudulent accounts to be included in my credit file. XXXX, XXXX XXXX, and Citi Bank continue to violate my FCRA rights and have therefor defamed my character by willfully and maliciously providing information they know and have been told and provided evidence these accounts were the result of identity theft/fraud. 

Police Report is 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 2020-07-23
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: Account information incorrect

Complaint:
The account below has incorrect balance. 

1. XXXX XXXX XXXX Reported XX/XX/2020 38 % {$150.00}, balance is XXXX. 

2. XXXX  Reported XX/XX/2020 58 % Balance : {$1500.00}, balance is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Went to purchase vehicle and found they ran my credit through several companies i I didnt authorize

Company response to consumer: Closed with explanation