BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-26
Company: WELLS FARGO & COMPANY
State: ME
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
this started with complaint XXXX .   Wells Fargo who bought my VA loan has complicated my ownership of parcel   XXXX   XXXX  . I contacted CFPB and they helped clear this deeds legal description. all when well. this was apparently straightened out. Then at the refinance the lot was completely disreguarded. no record of it. after months of straightening things out, Wells Fargo is very slow. nothing is done by e-mail. all snail mail.
It appears they are working with my municipal tax office to manipulate ownership from 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 non-monetary relief
Consumer complaint received 2018-11-20
Company: LD Holdings Group, LLC
State: ME
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX bought my VA mortgage, they removed the valid tax ID. by not escrowing the taxes properly, This recognized by state and county Maine tax office. This was cleared up at XXXX XXXX, I was charged supplementary taxes, they were paid. This was apparently cleared up, I refinanced through loan depot and they did not recognize the correction. My municipal tax office has never corrected the tax obligation, since the start, they have hidden covered up the fraud, They reduced the value of my property, ruined my credit, They have ignored state and county findings.

XXXX XXXX town manager has been there for 40 years, He is the tax collector, treasurer, ombudsman, he has charge of the archives and access to {$5.00}, XXXX. daily.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, 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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXXXXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
15 U.S.C. 1681 c-2 a consumer reporting agency shall block reporting of any information in the file of of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days. This practically shows that you are in violation of this law because I am a victim of identity theft. These accounts should not be furnished on my consumer report as they are in violation under, 15 15 U.S.C. 1681 b permissible purposes of consumer reports ( a ) in general 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 instruction of the consumer with whom it relates. I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer. No consent is identity theft. Kindly delete these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25
Company: PNC Bank N.A.
State: FL
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:
on the XX/XX/18 i went to PNC bank to pay my monthly credit card bill i was told by the bank representative that card i was using was discontinued so he was going to send me a replacement card. i tell him that's ok. two weeks later i received a letter from PNC bank saying i was denied credit because of low credit score, the letter came on XX/XX/18 i call the bank on XX/XX/18 to let them know i did not apply for any new credit they were supposed to send me me a replacement card for the one i had which the representative says is discontinued and i did not authorized him to run my credit score, and he didn't mention anything about my credit score we did not have that kind of conversation so it has to be a mistake. they apologize for what happen and told put it in writing disputing what happen and mail it to them, which i didn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: MI
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:
I have request several times to remove addresss XXXX XXXX XXXX from my personal file and update my current address which I have send valid information to do by my written instructions. Experian has not removed this addresss and hasnt update this address to my valid address by my written request to do so. This is a violation under 15 U.S.C. 1681 I have the right to privacy, and has instructed to remove this address

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 2023-06-01
Company: Experian Information Solutions Inc.
State: AL
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:
All these companies are unathorize I didn't tell these companies to pull my credit

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 2022-08-13
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
COURT OF COMMON PLEAS XXXX XXXXXXXX Has reported to the credit bureau that I owe in arrears but have no proof that I took a loan out with the agency. Any negative item that is shown on my credit report is in a form of a loan. I didnt not take a loan out with this child support agency.

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 2017-12-27
Company: ID Analytics, 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:
XXXX , XXXX reported that I have a credit score of XXXX which XXXX XXXX denied my car loan when XXXX has me at XXXX .I 'm stating a formal complaint on them. this is a crock they should be shut down

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 2020-07-21
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: Was not notified of investigation status or results

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, USDOE/XXXX Company Inquiry : 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 2023-04-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On or about XX/XX/2023, Chase Bank submitted for payment to my bank, XXXX XXXX, an {$8900.00} check which was clearly altered with respect to the payee and the payment amount. As per XXXX, this check was not presented for payment as a substitute check but instead in paper format. Even though I promptly reported this issue to XXXX and XXXX apparently promptly forwarded my claim onto Chase, Chase has not to date acknowledged that the check was improperly and illegally altered prior to its deposit by its depositor and/or accepted financial responsibility for breaching the appropriate UCC warranties with repect to this check. This is even though they have had more than adequate opportunity to investigate this matter. Chase contacted me by phone on XX/XX/XXXX to confirm that this check was originally written by me payable to the XXXX XXXX XXXX XXXX XXXX in the amount of {$160.00} and that I had not authorized its alteration. I advised Chase that I did not know a XXXX XXXX and that clearly their depositor was a thief. Any rational person looking at the check could easily see that this check was altered, and it should never have been accepted for deposit in the first place. For XXXX to further delay in accepting responsibility for this altered item is unconscionable. Also, it's KYC procedures appear to be inadequate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
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: Account status incorrect

Complaint:
I applied for a personal loan through my bank but the credit bureaus are stating that I have delinquent accounts when I don't. I sent all 3 bureaus a copy of my XXXX  XXXX discharge papers. So nothing should be showing under potentially negative. I only have 5 accounts open and all of them are current. I will greatly appreciate any assistance. I have been dealing with this since last year and my credit reports are still not updated correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX, XXXX XXXX Company Inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX, XXXX XXXX Company Inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: EQUIFAX, 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 was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. 
Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting. 
I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX Account Number : XXXX Delete this account. 
XXXX. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem adding money

Complaint:
I was unable to load, log in, use my prepaid debit card. I received an email that they permanently banned my account. Upon phone call Serve, I was told that XXXX emailed them about me not paying XXXX to load the card. There was a moment when I had to cancel loading money into my prepaid card using XXXX check out stand. I have had this card for 3 months with no issue. Serve did not give me a real explanation as to why the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
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:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found names on my credit report that are not me. This has been hurting me as I am in the process of purchasing a new home for my family. Please remove these fraudulent names from my credit report as soon as possible

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 2023-04-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Portfolio Recovery Solutions has untainted a fraudulent credit card debt open with my SS # and is continuously harassing me through phone calls. I have disputed this account several time with no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-21
Company: U.S. BANCORP
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XXXX XXXX 2020 I received a credit card from US Bank ReliaCard through the mail. However, I never applied for this credit card. I called the US Bank ReliaCard XXXX number ( on back of the card ), asking why they sent me the credit card, explaining I never applied, the woman said there have been a lot of problems, the credit card was apparently sent from Ohio unemployment, but they could not answer how, why, or where my information was used to apply for this credit card They only number they gave me to call. 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 2020-07-21
Company: Financial Assistance Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
FINANCIAL ASSISTANCE has added to my report .. i have never had any dealing with XXXX XXXX XXXX XXXX in 3 years. all of a sudden they reopened a loan that was charged off or 3 years, then they open an new account in my name on there own and sends it to collections. 

There is not documents on me because i never had this loan nor have i had any dealings with them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: EQUIFAX, INC.
State: NJ
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Hello I leased a used car through XXXX XXXX XXXX sales XXXX Tn. I purchased this with a credit lender Credit Acceptance back in XXXX. This loan was supposed to only be a {$8000.00} loan which the total of the car was {$6900.00} with the Lender giving the funds would equal an extra {$2000.00}. The loan now totals a {$18000.00} loan which I feel I have WELL over paid for this car which is a XXXX XXXX XXXX the remaining balance is {$6000.00}. The day that I purchased the car the car lot initially told me I would only need {$2000.00} down but I did end up giving a little more so that I could have a lower monthly payment. Which is actually far from the truth because the money is going towards interest and not the actual amount I owe. I have been paying this car off for almost XXXX years and when I went to pay off the remaining balance that my interest rate was 22.3 % which was never agreed on! I dont know how a {$7000.00} car is worth {$18000.00}! The lending company refuses to allow me to pay off the remaining balance. I have tried reaching out to multiple managers to settle my debt with them. Each month they are adding extra fees when I have well OVER PAID this car off. The car lot has now since went bankrupt and I have no way of refinancing or anything with this company. I am just wanting to settle with the company I have paid what the car is worth plus some. If there is anyone able to help me settle this dispute or if there is any refinance options please.

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 2021-12-03
Company: EQUIFAX, INC.
State: IN
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 submitted a dispute to Equifax, XXXX, and XXXX to validate the inaccurate items on my credit report on XX/XX/2021. On XX/XX/2021, I sent another request to have inaccurate items on my credit report validated or deleted. It has now been over 30 days and I have not received any response. It is my understanding that I'm entitled to fair and accurate reporting according to federal law. I have several items on my credit report that are inaccurate. They are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
State: VA
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation