BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have been sending dispute letters for 4 months now and requesting verifiable proof in regards to 2 accounts under XXXX. XXXX/XXXX/TransUnion are reporting inaccurate information and they must delete the items in questions. Failure to investigate and remove the inaccurate account is causing great stress to me and my family. I read somewhere that it only takes 20 or 30 days to investigate this matter. More than 40 days have passed and nothing from this company.

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 2023-06-02
Company: Affirm 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: Information belongs to someone else

Complaint:
Someone opened account under my name and got loan with Affirm Inc. My credit score dropped and there was past overdue from Affirm in the amount of {$88.00} {$280.00} {$100.00} {$83.00} {$120.00} {$86.00} {$62.00} {$47.00} The date mentioned was XX/XX/2023 I filed dispute with XXXX and called Affirm but after 25 days they said its my account even the address and email is wrong on the affirm account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo did not honor their PMI deletion process or vendor-approved home valuation, and it has unjustly cost me XXXX of dollars in fees. 

My original purchase price has been WELL below market value since I purchased XX/XX/XXXX. THREE full and recent bank appraisals have confirmed this. WF first sent me their instructions on PMI deletion XX/XX/XXXX. After reading them very carefully, it was clear to me that all I needed was a current appraisal to show the real home value. I applied XX/XX/XXXX. Rejecting a {$700000.00} bank appraisal dated XX/XX/XXXX from another bank for a HELOC application, WF told me I had to use and pay for their approved vendor. Following the process, I paid {$200.00} for their in-house approved BPO vendor to appraise for current valuation. 

The WF BPO Vendor inspected on XX/XX/XXXX and reported a value of {$590000.00} on XX/XX/XXXX. This ridiculously low valuation was still enough to bring my LTV to 70 % - well below the 78 % PMI deletion threshold. WF acknowledged the qualifying valuation but DENIED the MI deletion based on a NEW requirement that I did not provide documentation for " significant and substantial improvements '' that substantiate the " increased '' value of the home. Subsequent appeals to WF were also denied. They did not care that my original purchase price was depressed due to a lease-purchase agreement with the prior owner. 

Furthermore, I would not have even started their process and paid {$200.00} if the improvement documentation was required. 

The only recourse is to refinance to get out of $ XXXX MI now fixed for the next six years. That refinance cost me over {$3500.00} in loan cost. 

To add insult to injury, WF issued an XX/XX/XXXX loan payoff statement with a line item " PRORATED MORTGAGE INSURANCE {$420.00} ''. When I called WF ( 3 times ) to clarify why an additional FULL month of MI was added to a "  prorated '' payoff on the 5th of the month, they cited " rules and regulations '' that MI is NOT, in fact, prorated but triggered at the start of the month, and paid the following month ( " paid in arrears '' ). 

While they are well-aware that I signed my refinance closing documents at the end of the prior month ( XX/XX/XXXX ), they will still charge a full ADDITIONAL month of MI since the payoff funds will not post to the account until XXXX. Even an XX/XX/XXXX payoff would include a full XXXX MI payment. Crazy. 

This PMI should have been deleted XX/XX/XXXX, but my choices are to either pay 5 additional months and refinance, or stay and pay for another 6 years ( {$15000.00} )! 

I should be reimbursed {$200.00} for the worthless BPO valuation and {$210.00} for the unnecessary XXXX MI fee.

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 2020-01-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
AROUND XX/XX/XXXX. XX/XX/XXXX, I SUBMITTED A REQUEST VIA MAIL ASKING FOR A FULL AUDIT OF MY STUDENT LOANS ACCOUNT # XXXX, LOAN # 'S XXXX AND XXXX, I HAVE YET TO RECEIVE A RESPONSE. IT IS MY BELIEF THAT THE PAYMENTS MADE THUS FAR, HAVE NOT BEEN ALLOCATED APPROPRIATELY, LEAVING A BALANCE THAT EXCEEDS WHAT IS ACTUALLY OWED.

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 2023-07-27
Company: Experian Information Solutions Inc.
State: NY
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 didnt authorize no hard pull of my credit from the following companies. 
XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX 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 2023-04-21
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 have tried yo reach out several times to this company about this fraudulent account that i did not open i don't even know what type of account this is i have wrote this people i have tried to call and email them and they have never responded they are reporting that i am paying or paying i have asked them to show me where the payments are coming from i have never paid them XXXX XXXX i didn't open this account i asked for contract with my signature and they still have never responded

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have tried to dispute this collection service and to my understanding of the Fair Credit Reporting Act 15 USC 6802,1611,1692 ( 2 ) a, and 1681.Please understand this my rights to an Fair and Accurate validation of my personal credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After going back and forth with this collection agency, informing them that I do not have a child, and more - Ive finally just went to the police. I am tired of going back and forth. This is not my account, please remove this from my credit report and cease all collection attempts ASAP. 

Attached is my official FTC Identity Theft affidavit ( which serves as a legal identity theft Report - as its given directly to law enforcement that I indeed DID give you prior to ) In addition, attached is a Locally filed Police Report. 
POLICE REPORT CASE # 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 2023-03-27
Company: Experian Information Solutions 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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2019-10-17
Company: Experian Information Solutions Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There are medical accounts listed that aren't mine

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 2020-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.

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 2020-09-20
Company: TrueAccord Corp.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company named True Accord keeps sending me repeated emails harassing me about a debt that i do not owe. I don't know who True Accord is, i never received any goods or services from them, and i do not have any contract with them or the company XXXX XXXX who in the last email they are harassing me telling me that they will be taking this alleged debt that i don't owe back. I have not contacted True Accord by email or by phone, because i am scared that they are trying to use legalese to try to trap me into a contract that i don't have with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: EQUIFAX, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: Experian Information Solutions Inc.
State: NV
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:
There are accounts that arent mine that need to be deleted from my credit profile.

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 2020-09-20
Company: Verisk Analytics Inc
State: AR
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:
CEASE PULLING OR EXCHANGING DATA OR RECORDS FILES ETC. WITH XXXX  XXXX PURGE ALL DAT IN MY NAME SINCE BIRTH XXXX XXXX XXXX SSA XXXX DOB XX/XX/XXXX OR FACE A CLASS ACTION LITIGATION WITH TRANSUNION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: SANTANDER HOLDINGS USA, INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am again reaching out about this issue with Santander and my auto loan. They are claiming that I have not made the payment, that I have proof showing I did. Now they are claiming that I owe almost a XXXX dollars due to the claims of my none payment that was withdrawn from my bank account. I do not understand at all how there is not a single person who does not see the highlighted areas on the bank statements, showing payment was taken. I have my bank statements proving that I made that {$540.00} payment on XX/XX/2023. I dont understand how the bank statements are enough proof to back up the incorrect allegations that I did not pay my bill when it clearly shows I did. If it werent such a large amount of money withdrawn from My bank account by Santander, I wouldn't be so upset. But unfortunately, its not just {$100.00} of my money. Its XXXX dollars missing as well as the accusations of not making the payment that was withdrawn from my account. This is completely unacceptable. I will not just back down from this. I have proof the payment was indeed made on XX/XX/2023. It was actually withdrawn from my account twice. Which then caused a return of one of the two payments charged to my account. So can someone please tell me where in the world the XXXX dollars go that was in my account to cover one of the two payments withdrawn?!?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-06-02
Company: ONLINE Information Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX  awarded funds to XXXX for my electric account. XXXX added it to my account then months later took the credit back and made my account negative. They told me they applied the credit to the account on accident and it wasnt meant for my account. This resulted in me owing them the credit plus more for months i thought i didnt owe because of the credit being on the account. Then they sent it to collections and then it went on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2023-08-06
Company: Pollack & Rosen, P.A.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Back when I was in college I was misguided and took private student loans through XXXX XXXX XXXX. This was over 20 years ago. I fell into financial hardship and was unable to pay the loan. I did try working with the company and offered to pay something, but the company refused. The company filed a lawsuit which dragged in court for 10 years or more, looking at the loans the statute of limitation is passed. These loans along with other private student loans were XXXX in bankruptcy. XXXX XXXX forgave my loans but XXXX XXXX XXXX continued to come after me. 

On XX/XX/XXXX, the judge granted a judgement. At this point I had given up and had no argument. Plus, I hired an incompetent attorney who had no clue what he was doing. I couldn't afford to pay him anymore and I fired him. I filled out whatever paperwork they needed. I was ordered to pay I believe was a little over XXXX plus court cost. I noticed the paperwork asking if I was head of household which I am. Section 222.11 of Florida Statutes states that a creditor may not garnish earnings that include wages, salary, commissions, and bonuses payable to a debtor who is head of household. 

On Monday XX/XX/XXXX, I received a at XXXX PM I received a call from a company called the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I was working at the time and couldn't answer but returned their and spoke to someone by the name on XXXX XXXX at extension XXXX. I am doing whatever I can to put this behind me, so I wanted to hear what the agent had to say. She said they were willing to settle this debt with me due to a promotion they are running. We can settle for up to XXXX XXXX  I told them to give me a few says so I can speak to family in attempt to get this money. She put me on hold stating she was going to speak to the wage garnishment department. At that point I was confused. How am I head of household, and they are garnish my wages. She advised that the company was in process of filing for wage garnishment through my employer. I proceeded to ask the agent if the loans she is talking about was including the XXXX. She answered no. AT that point I questioned the legitimacy of the call because if I was ordered to pay back XXXX. According to what she is telling me the company is trying to charge me over XXXX. Something about this whole thing does not sound right because I had one of those cases/loans dismissed by court some time in XXXX. I am currently paying all of my household bills and providing care for my wife and three children while she is looking for work. I am in and out of the hospital, my most recent stay due to a XXXX XXXX. I can not afford my hospital bills let alone this debt that it seems the agent is tacking on more money that I owe. I would think that they would not use intimidation tactic and add money being that this is a law firm and we are working with a court order.

Company response to consumer: Closed with explanation