BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-28
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX,17 I am restricted from accessing my credit report online or speaking to anyone other than one individual with Experian. named XXXX XXXX at a number that is not toll free. 
I am unable to place a dispute with anyone other than her. I requested a supervisor but was told one is not available. I was instructed not to record the call or she would terminate the conversation per company policy. I am restricted to a special handling department and am not allowed access to any other method. 

they are violating my rights and refuse to remove a fraud alert unless I provide my driver 's license but yet discussed my entire file without verifying my identity based on a report number alone. 

I have documentary evidence from creditors reflecting accounts are not being reported correctly yet my investigation results show all of my accounts were verified as accurate. additionally, my personal info was misspelled, transposed, duplicated, and inquiries were placed that had no permissible purpose which XXXX told me to contact the creditor eve though the acct was 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 explanation
Consumer complaint received 2017-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX I send letters to XXXXn, Transunion and XXXX regarding unauthorized inquiries placed on my credit report from different credit card companies. I asked them to remove them from my reports as I did n't authorized them at all.

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 2022-03-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, has violated my rights.

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I was informed by Wells Fargo Refinance Department that even with a co-signer, they would not refinance my loan. On that call, they told me that I needed to contact the Foreclosure Department for more information about my account. I had begun that process on XX/XX/XXXX because our Wells corporate office contact had offered it as an alternative to foreclosure in a registered letter in XXXX. 
It was on that call on XX/XX/XXXX that I was informed that Wells had initiated their internal process of foreclosure last month, on XX/XX/XXXX while I was in the refinance process. 
Wells Fargo has sent me several XXXX XXXX packages this month, none of them contained a word about the foreclosure process. They did not supply me with information regarding a trustee to contact. Twice they sent me notices that they no longer were paying my property insurance - they have never paid property insurance for me. 
They negotiated in bad faith with me and my co-signer. The foreclosed without written notice. The again have put me, a XXXX woman through a pointless process, wasting my time to prepare my home for a sale in which I can make a profit. My home has over 600K in equity. It is this reason they are trying to foreclose without allowing me time to sell. They are intent on short selling my property out from under me and pocketing the profit. They want my profit and they refuse to work with 3rd party mortgage modification programs because I have equity.

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: CITIBANK, N.A.
State: UT
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 filled for bankruptcy chapter XXXX case number XXXX back in XX/XX/XXXX and the bankruptcy was discharged in XX/XX/XXXX. I included all of my debts which included a Citibank credit card which I had take out when I was in college, and when the bankruptcy was filed the outstanding balance was {$730.00} and the debt was included in the list of creditors and was added. While I still in the active bankruptcy XXXX XXXX XXXX called to collect on the debt in XX/XX/XXXX and I explained that the debt was included in my bankruptcy and the bankruptcy case was still active. I provided my case number and attorneys phone number as well. Then after the bankruptcy was discharged they called once more to collect and provided the same information and did explain that attempting to collect on the debt that was discharged and included in my bankruptcy was not lawful. They have not called me since the last conversation regarding the debt but on XX/XX/XXXX, I was reviewing my credit report and XXXX XXXX XXXX is reporting the debt as open and delinquent. Instead of reporting the debt as a discharged debt in the bankruptcy like the other creditors they have been reporting negatively on my report. All of my other debts have been paid on time and whats negatively impacting my credit after the bankruptcy is this reporting. I require assistance with this collection company which has been advised twice and have spoken to my bankruptcy attorney about the veracity of the discharge, they continue to do harm to my character and my credit. From the credit report it has the address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. Phone number XXXX, original creditor Citibank, the report shows that they will keep it on record until XX/XX/XXXX. Account number XXXX has is XXXX, date opened with XXXX XX/XX/XXXX.  My phone is 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 2019-08-05
Company: EQUIFAX, INC.
State: NC
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 following accounts do not belong to me. They are falsely reporting under my name. I have filed an FTC complaint and also with law enforcement. My next step is a civil suit against all 3 bureaus. 

-XXXX XXXX XXXX {$0.00} Balance Opened XX/XX/XXXX XXXX {$0.00} Balance Opened XX/XX/XXXX Inquiries : XXXX, XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  XXXX And XXXX XXXX  XXXX XXXX entered into a merger XX/XX/XXXX. After the merger I stopped receiving Bill 's and EOBs from services at XXXX  XXXX. I was informed by XXXX  XXXX staff on XX/XX/XXXX, that a {$360.00} credit was somehow added to my account and was advised not to pay any bill 's I received until this balance is resolved. I have made multiple phone calls to XXXX  XXXX and third party billing agency, and nobody can reconcile the balances between XXXX  XXXX office and third party billing. It is not possible for me to calculate what I actually owe with the information I was given. I have not received a correct bill from XXXX  XXXX since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Barclays bank is blocking my information to financial data apps. I can not add my Barclays credit card to 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 2017-11-08
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX I send letters to XXXX, XXXX and Equifax regarding unauthorized inquiries placed on my credit report from different credit card companies. I asked them to remove them from my reports as I did n't authorized them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: CREDIT ACCEPTANCE CORPORATION
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I was in tbe hospital in XXXX was very sick for 4 months. D Still recovering. So gave car back since i lost my home. And income whilr severly sick.i only missed 2 payments the can resell the the.id like my credit fixed.

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 2017-11-06
Company: SLM CORPORATION
State: AL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been sending this company XXXX each month via mail for over a year now. They will not return phone calls or give me a balance owed. They hang up on me and curse me out when I call to get the information on my account called XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: CNG FINANCIAL CORPORATION
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I took a loan out with Checkngo ( Axcess Finance ) of XXXX, SC... I pd well until I simply asked the Mgr to hold the account from that Friday to Monday because I was having issues with my pay check and I didn't want it to bounce ... She responded as they dont hold accounts and I best put the money in the account.. I said there would be no way until Monday. She said well if it bounces she would continue to run the ACH everyday until it pd.. It told her i couldn't afford to pay the NSF fees.. She said well put the money in the acct.. She lived to her word and ran the ACH several times running up approx 400 dollars in fees... I was really mad about and called the Home Office... They assured me that they would fix the situation if I pd XXXX dollars to which I did ... About a week later they ran another ACH without any word of so and it bounced... I called the XXXX  again and they said they were very sorry and said they would fix it... Well the fix was to Charge Off the acct... I have great credit except for this account... The Company soldthe debt to a Collections place and they told me if I would pqy it off they would assure me they would get with Check and Go and have all negitive information in it entireity removed... I pd the account in full that day... Please live to the Companies word and remove all information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: HW Holding, Inc
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX is reporting a bankruptcy. and verifying to all three major credit bureaus. The Federal bankruptcy court is not reporting any information to the credit bureaus and I don't have an account or contract with XXXX XXXX. The Bankruptcy filing is not accurate. 

Hunter Warfield is reporting a judgment that has been satisfied in the XXXX XXXX Tennessee Circuit Court. Hunter Warfield was not a party to the judgment that was satisfied and it is illegal for then to report a civil judgment in which they were not a party to the suit. 

Tennessee Dept. of Human Services is reporting a Texas Civil Judgment. The State of Texas only gave them the authority to enforce child support. The Dept. of Human Services has refused to give me a hearing to contest this negative information and Tennessee law strictly prohibits adverse actions without an opportunity for a hearing. The account should be deleted immediately.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 24 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have requested on three separate occasions in 2021, for Transunion to verify that they are reporting accurate and complete information on my credit one account. 4 months later, nothing has been done.

They are reporting a charge off account- with no history and I am unable to verify 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 explanation
Consumer complaint received 2019-04-24
Company: EQUIFAX, 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:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 24 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
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:
Hello, I called Experian and requested to speak to the special investigations department on XX/XX/XXXX and I expressed to the representative that there are a number of inquiries on my credit report that I didn't give anyone permission for. I explained to the representative the various companies with inquiries including the report dates and he told me he was going to have the issues resolved within 27-72 hours. I noticed he deleted 6 of them and he failed to delete the remaining unauthorized inquiries. Experian repeatedly fails to follow through and they falsely claim they're going to investigate something and they don't.

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 2022-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2019-08-05
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:
I called Equifax and XXXX and was told to send in all my documents to sow that i fraud committed against me.So i sent everything in and i still see the accounts on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: WELLS FARGO & COMPANY
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I entered into a consumer credit transaction with Wellsfargo bank on XX/XX/XXXX. I extended credit through my social security card, my credit card. XXXX XXXX XXXX XXXX XXXX, XXXX. was attained by wellsfargo to collect a debt that is not mine. They have also violated several other of my consumer rights which I have noted in my affidavit. They are claiming I owe an alleged debt of XXXX in a positive amount. A letter was sent to me on XX/XX/XXXX claiming I owed an alleged debt and also threat of legal action if I didnt respond. XXXX XXXX XXXX XXXX XXXX, XXXX. Then filed legal action against me on XX/XX/XXXX. I responded with the following attached affidavit and sent it to them on XX/XX/XXXX. Usps XXXX and hand delivered with signature acceptance. I am demanding the debt collectors cease communication on this alleged debt that is not mine. And also stop all legal action against me for it is unlawful.

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 2022-03-06
Company: LEXISNEXIS
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I recently got a copy of my Equifax credit report.. Upon review of my credit report, I found that there is an inaccurate and unverified bankruptcy on my report.This has negatively impacted my ability to receive credit and has resulted in unnecessary embarrassment and inconvenience. 
As stated in Section 609 of the Fair Credit Reporting Act, ( 2 ) ( E ) : A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file unless the information is outdated under Section 609 or can not be verified.

As is my right, I am requesting verification of the bankruptcy reported on my credit report. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Discover card changed my product from a discover it to a discover miles card, without my permission to do so. I called and requested that the card be converted back. This apparently never happened. Instead, they closed my account and retained the negative balance owed to me without notifying me that they closed the account, refunding the credit owed, or making the previously mentioned product change. 

Even on my attached billing statement it does not state the account is closed, but when I call customer service they tell me it was closed inXX/XX/2021 without notice to the consumer.

Company response to consumer: Closed with explanation