BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 2023-07-24
Company: EQUIFAX, INC.
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:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Ive informed credit reporting agencies that I have a new address with a copy of my drivers license. Ive demanded deletions of all old addresses because I have no correspondence nor access to theses addresses and it is unfair to me the consumer for these agencies to violate my right to privacy.

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 2023-10-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2021-11-13
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
I noticed my score dropped over 120 points end of XXXX and there was a delinquency reported from Wells Fargo on my car loan. Wells Fargo reported my car loan as closed, settled for less than owed and late. I reached out to Wells Fargo and disputed the issue with all three bureaus. XXXX, XXXX and XXXX confirmed that this info has been reported by the creditor. I filed a complaint with Wells Fargo. The case analyst who was handling my complaint promised me on XX/XX/XXXX a letter in the mail saying that the account was never late. Not delinquent and it is still open. I have been waiting for this letter to arrive in the mail. Unfortunately Wells Fargo has not been helpful, I just received the letter today and the letter is dated XX/XX/XXXX. The letter only say that the account was never late. No mention at all that this account has not been settled. Wells Fargo admitted that it was an error in their behalf, but they had taken no action to correct except sending again incomplete information. I just refused a letter from XXXX of my creditors who closed my line of credit because of this false delinquency. I have filed another complaint with Wells Fargo last week when I have not received the letter. Spoke with XXXX another analyst from the president office last week and he said the information has been corrected with the bureaus and there is nothing else he can do for me. 
This is unacceptable, Wells Fargo did report incorrect info to all three bureaus. XXXX confirmed that Wells Fargo only reported that XXXX payment has been made and now they removed the late payment to XXXX, still reporting the account as closed and settled for less than owed. This makes no sense. Wells Fargo has to request from XXXX to remove the remarks and the delinquency and report that my account is stil OPEN IN GOOD STANDING. I was very specific about what I asked and they still dont want do their part. I will escalate this and I will seek legal action. This has to be resolved asap.

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 2021-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 credit information was compromised via the XXXX data breach a few years ago.

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 2023-03-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was XXXX on XX/XX/XXXX a couple weeks later fraud was committed no my account I had over {$10000.00} that was stolen out of my account.. the bank stated that because I did not get out of XXXX  until XX/XX/XXXX that they could not give me my money back.

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 2021-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Credit reporting agency is reporting in accurate personal information.

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 2020-10-08
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage and the full balance was paid off on XXXX/XXXX/20. So I would not be late on a payment for XXXX, ( XXXX is considered late ) I made a payment on XXXX/XXXX/20 for XXXX. The loan is completely paid off and I have a new mortgage with another company. I have no existing mortgage balance with Pennymac. Pennymac ( or it's parent company ) reported my fully-paid off loan as delinquent to XXXX  and my credit score subsequently dropped 90 points. I'm filing a complaint because the information submitted by Pennymac is untrue and detrimental to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-06
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 90 days late as of XXXX of XXXX I am not sure how this happened as I did not graduate until XX/XX/XXXX and had 6 months grace period before being required to make payments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I pay my mortgage online through my bank with an automatic payment set up. Ive had the same set up since the loan inception I believe it was in XXXX. It gets sent out the same time of the month every month and theres never been an issue. I checked with my bank and all checks have been cashed that were sent to the mortgage company. My mortgage company states they did not receive XXXX XXXX mortgage payment. I also looked and saw one that several of my payments have been marked as late in XXXX which I know that is not true. The bank has a local branch here in XXXX XXXX so I want to try and fix it at the branch. When I got there I was met at the door by a gentleman that said that they are closed to customers because of Covid everyone has been working at home. The gentleman then proceeded to tell me that dozens of people come by there every day with the same complaint they say they have paid their mortgage as they always have and theyre not being credited or marked as delinquent. The gentleman states that because everyone is working at home things arent being properly credited and theyre not being credited on time. I have since gone to the mortgage website directly and an automatic payments through the mortgage paint company that way they cant say that Im not paying on time. I have lost 100 points on my credit score because they falsely reported that I did not pay my loan. I have since gone onto their website and paid everything that they said I owed in one lump sum and actually paid ahead so that they cant pull this with me anymore. The fact still remains that they cash the check of mine and did not give me credit for it. The other thing I want to clear up is how they ruined my credit by falsely reporting that I did not make my payments either at all or on time.

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 2021-11-12
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: Investigation took more than 30 days

Complaint:
I'm unimaginably disturbed! My hidden response to the mistaken thing on my recognize report sent as communicated in a past message on XXXX. Today is XXXX. Regularly by law, you ought to respond inside 30 days. During these irksome events, every one of you have been given an extension which I grasp. Regardless, it has been far in excess of the expansion time span given. I have urged you on numerous different occasions. I'm starting to acknowledge this is a lull technique on all of you 's end. I demand your association kill this XXXX XXXX from my credit report or face case. In case you don't kill this off-base information speedily I will record a formal complete with the FEDERAL TRADE COMMISSION! I'm remaining mindful of my records overall and kinds of correspondence with you on this matter just in case of archiving a protesting with the FTC in the event that you continue to decide not to arrange. In Wenger v. Trans Union Corp., No 95-6445 ( C.D.Cal.Nov. 14, 1995 ), you will be considered responsible for your decision not to not assent. My family and I are being constrained to pay higher credit charges and denied by numerous associations when endeavoring to purchase significant necessities to get by during this problematic money related period. In the event that your next response to me is everything except an extraordinary application with my imprint on it or a letter communicating that the tricky information that is ignoring the Fair Credit Reporting Act isn't deleted I will continue with my FTC complaint. As exhibited by the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are needed by government law to certify, through the genuine check of the chief stepped buyer contract, all records that you post on a credit report. Else anybody paying for your identifying associations could fax, mail, or email in a fake record. I interest to see obvious evidence ( i.e. : a unique purchaser contract with my engraving on it ) that you have on the file for the record recorded under. 

Your frailty to distinctly check these records has harmed my capacity to secure credit. Under the FCRA, mistaken and unusual information ought to be deleted from a client 's credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Have excessive telephone numbers reported on Trans Union Credit Breau and unable to login to dispute and " Block because I am Black Blocked '' so they can implement systemic discrimination as Tran Union is not allowing me to dispute reporting by blocking Black from login into their system to continue their report of erroneous information as to excessive telephone and not reporting or allowing update to correct telephone number of XXXX to assist companies and Banks discriminate. 

It's been said that government agencies like " Social Security Administration and IRS '' have Dept. of Justice to harass senior citizen and cover-up discriminate and could be involved with this type of corruption or discrimination or due to politics. Practice to evade federal protection at FRCA or ECOA and other laws to protection American by systemically discrimination and maybe one of the cause violations in America. 
Even XXXX XXXX employees have no power to correct allow login because I am Black Blocked. 

XXXX will not let me login or anything because they want to continue to report erroneous information systemically to Black-Blocked my credit file.

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 2021-11-13
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
I am a federal protected consumer and the following adverse actions have been committed IN accordance with 15 USC 1681 by the consumer reporting agencies : 15 USC 1681b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Transunion did not receive written instructions form the consumer ( me ) to furnish any of my information to creditors or debt collects or allow any corporation to put anything on my Consumer report.

I sent an affidavit of truth the the CEO of Transunion requesting a sworn affidavit by me the consumer given Transunion written permission to furnish any information from my consumer reports to any corporation or allow any corporation to furnish any information to my consumer report. Transunion did not respond properly. AN affidavit can only be rebutted by an another affidavit line by line. 

15 USC 1681a ( d ) ( 2 ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card ( SSN card ) or similar device ; Transunion has allowed corporations to furnish inquiries on my consumer report which is looked at as an authorization and the law clearly states that authorizations are an exclusion. A credit transactions and or experience between the consumer ( me ) and the person ( corporation ) are an exclusion as well Transunion has committed these actions against me, the consumer and this has caused financial injury and ruined my reputation and my credit worthiness. Transunion is civilly liable for each action committed against me

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 2021-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Bank of America branch on XXXX XXXX in XXXX XXXX has remodeled its branch to include seven office cubicles and only one teller window. I was told by the branch employee that they no longer need tellers for people as you can do all your banking on-line. Meanwhile, the office cubicles are empty - no one in them, and the line is forming in the bank. I said that I felt this was inconsiderate to the average bank goer to be made to wait for services in the bank because there are no employees to help or an infrastructure to support the needs of the community. I was also told that I could not get coinage due to the shortage of coins and to complain to the Federal reserve about this. I asked what the plan was to remedy the coinage problem and I did not get an answer- instead I was told to complain to the Federal reserve . I understand Covid has created many issues for all of us, but service continue in hospitals, police and fire stations, schools etc .... why are the banks not supporting the needs of the community. Every neighborhood should have at least one full service bank branch. Our bank branch has turned into basically a glorified ATM. Please let me know what you can do about this problem. It seems that all I get is run around about this issue.

Thanks

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 2021-02-27
Company: Experian Information Solutions Inc.
State: CT
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:
I have no cerdit scores, the credit bureau has me as deceased. I have contacted Experian with no reslove. I am not sure what to do now. Hopefully you can help Thank you

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 2023-03-23
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I need help with a loan that I have with Truist. Truist has been an absolute NIGHTMARE to deal with. I called customer service and got passed around from department to department just to get disconnected 5 different times! The branch leader in XXXX XXXX, XXXX XXXX, has been a nightmare to deal with too and worthless. Ive gone to see him 3 times in the past week because he never answers the phone, calls me back, or responds to email. Ive filed a complaint with customer service and was told Id be given a call this morning, and have yet to hear anything. Ive been trying to reach XXXX XXXX since last Thursday and have had to come in every time because I cant get him to respond to calls or email. 

My truck was stolen and I received an insurance payout and they sent a check for the remainder to Truist last month, so I didnt make a car payment. Then I got hit with a late fee for not paying. So I called to ask what the reason was and was told you Truist couldnt cash the check and I needed to go to my local branch. I go to my local branch and am told the title wasnt perfected because Truist was never listed as the lien. Ive had the truck for over 5 years and Truist was never on the Lien!!! Thats on Truist not me! 

So then I was told to go to the DMV and have them add you as the lien. Well the DMV tells me they cant give out a duplicate title for a stolen vehicle and that the only way would be to get the stolen status lifted which there is no way in hell the police are going to do during an ongoing investigation. And Ive contacted Truist over and over, and stopped by numerous times and no one can help me figure it out. I swear to God Truist better make sure that my credit score is not effected. As of now they have crushed my credit and I demand they do whatever it takes to get it back to the deserved credit score as well as cash the damn check.

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 2021-02-28
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2015 I had no other choice but to terminate my apartment lease. It was an unsafe environment for my family, surrounded with drug dealers & thief 's. The collection company FCO collecting on behalf of XXXX XXXX XXXX is reporting inaccurate information to my credit report & attempting to collect debt that is not valid. In the debt validation response I have received from FCO it clearly shows that I signed a addendum called " Florida liquidated damages/Early termination addendum '' that maximum amount I would be charged with or without a 30 day notice is {$1000.00}. The move-out statement shows a charge for early termination of {$1400.00}, also a random charge with no explanation " rebill '' in the amount of {$400.00}.

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