BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-28
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have tried to contact Experian credit agency to fix a reporting error, however My attempts by mail has come back wrong address, which is the only address listed. The item in question has been paid within the first 90 days. I believe this is Economic Sabotage. A practice that has gone in checked for generations. Please help thank you. 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 2018-09-25
Company: Experian Information Solutions Inc.
State: SC
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 contacted XXXX Experian and XXXX in reference to XXXX XXXXXXXX   inability to produce a contract bearing my signature obligating me to pay the charge off XXXXXXXX XXXX is reporting. XXXXXXXX XXXX only produced paid receipts and checks without my signature NO CONTRACT. XXXXXXXX XXXX did not indicate that my CR was in dispute within the 30 day requirement. Violations of the FCRA! Attached is a letter XXXXXXXX XXXX  sent me as a solution to their inability to verify the inaccurate reported information. Experian XXXX XXXX you must see that XXXXXXXX XXXX CAN NOT verify those accounts XXXXr does not allow CRAs to investigate accurately. XXXXXXXX XXXX can not verify these accounts lawfully. Please use the information I sent to verify that this is a mixed file that XXXX XXXX CAN NOT verify.

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 2022-01-06
Company: WSFS FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
for several months I have a problem of fraud and identity theft, and had to make several police reports and ftc also reported fraud alerts in my credit reports, this WSFS XXXX  account is not mine, it is a fraudulent account that 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 2017-09-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified, invalid accounts must be removed. 

XXXX XXXX XXXX XXXX XXXX XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I was told by XXXX that if my credit score went above XXXX during the process, my interest rate would drop almost a full percentage point. So then I contacted him XX/XX/20 and he said he redid the rate lock, and the rate did not change but I no longer had to pay points to get the 4.25 rate. This was different than when he initially discussed it with me. Then my final disclosure I told them about the error charging me a rate lock extension fee, they said because my other rate expired. I advised it did not expire as it's good for 32 days and it has been less than 30 days. They said they would correct it. At final closing they charged me {$540.00}. realtor told me it doesn't effect title so go ahead and sign and we can talk to lender the next day. So when I tried talking to them they refused to cooperate and kept insisting it was because my other rate expired when I closed on XX/XX/20, my rate had not expired. If it truly expired, then he didn't rerun my rate and lied to me on XX/XX/20. I have all the emails to prove it. I asked them to refund that rate expiring fee they refuse and now refuse to call me back refuse to answer voicemails or texts. They also caused multiple delays in my process taking well over 60 days to finalize because they did not order the appraisal timely and ask for documents several times over and over again when I had already provided them multiple times. They passed me around to about 7 different people in their office. The entire process was a disaster

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Affirm Holdings, Inc
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
This is a brand new complaint. Affirms has not resolved the issue. I need # '' s name and address for the legal department. I keep getting hung up or told that affirm only follows XXXX policies. Do not close this complaint as duplicate because it's not resolve and needs addressed. 

affirm refuses to send me any kind of proof that i owe this loan. i do not owe because i never received the merchandise. there is no proof i received the merchandise or opened this account XXXX from affirm ( XX/XX/22 at XXXX ) said my account with affirm will be deleted and my money refunded on XX/XX/XXXX. I have this phone call recorded.I am tired of being forced to pay this loan when I do nopt have the merchandise I am tired of being lied to by affirm. I do not owe this loan and I am being XXXX  to pay. Affirm credit financed an item for me from XXXX the order number from XXXX was XXXX. The package from XXXX never arrived, although tracking shows it was delivered, I never received the package. I asked XXXX to help but they refused saying the packaged was delivered and i need to dispute the item as not received with Affirm. {$440.00}. So i finally disputed the item as not received with Affirm and i immediately got an email that says even though i disputed the item as not received with affirm their is nothing they can do because they must always follow and do anything XXXX tells them. This is ridiculous I do not have a valid loan with affirm because i never received the item. So i have no merchandise but yet I have a loan with affirm and they refuse to help in anyway and they have also threatened if i miss one payment they will ruin my credit for life. I am being XXXX  by affirm. I do not have any merchandise but they are charging me for it and refuse to help or investigate. I want this loan account cleared and marked paid in full because I DO NOT HAVE THE MERCHANDISE. Attorney general is also being contacted

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: Ad Astra Recovery Services Inc
State: RI
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ad Astra has placed a collection item on my credit report on XX/XX/2015. Related to a XXXX XXXX loan that I never took. I called Ad Astra many times to tell them it is not my charge. They want my social security number which I will not give them. I told them I never received money from XXXX XXXX nor did I receive bills nor did I take the loan. They said without my social they have nothing to say to me. I have entered disputes with 3 credit reporting agencies, placed a dispute with the XXXX who got XXXX XXXX to mail me the loan documents which show and e signature, typed signature, and auto debit form for an account with XXXX XXXX XXXX with no name on it for the account holder, a cell number on a document that was never mine. I asked XXXX to request application information. The lender said due to privacy issues they will not provide. I filed an identity theft form on the FTC web site. This has stopped me from refinancing. I have perfect credit report, all trade lines paid on time. I also sought the advice of lawyer who I would have to pay {$500.00} to review my case and determine if he would help us to sue both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX  XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX Balance {$5200.00} ; XXXX XXXX  XXXX XXXX Balance {$400.00} ; XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX  XXXX Balance {$1100.00} ; XXXX XXXX Balance {$1000.00} ; XXXX A XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MA XXXX XXXX XXXX XXXX BV XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Inquiry XXXX XXXX XXXX, 2022 ; XXXX XXXX Inquiry : XXXX XXXX, 2022 ; XXXX XXXX Inquiry : XXXX. XXXX, 2022 ; XXXX XXXX XXXX : XXXX. XXXX, 2022 ; XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022.

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 2018-10-04
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
on XX/XX/2018 I received a report from the lexisnexis company that explained the furnisher of their information was XXXX, and included their contact info. I received the attached email explaining their process for releasing information and how I can see the information being released. I then registered and found that te information that lexisnexis is providing in their report of me is inaccurate and I demand to see the docket report or proof of the information they provided to the national credit bureaus under my name and government issued social security number. the two bankruptcy cases being inaccurately reported under my name is XXXX, XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Target is reporting a debt on my credit file that I do not owe. I recently took a look at my credit and noticed this debt. I immediately called and settled this debt with them. I however, was never given calls, letters or notices about this debt before it reported on my credit file. This is a violation of my 30 day right to dispute and it must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: EQUIFAX, INC.
State: MA
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: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
On XX/XX/2020 I found an inaccurate and unknown accounts on My credit report. Its over 30 Days today But No Response. I was a victim of XXXX  Data Breach. I want to delete those accounts ASAP or I will file a litigation.

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 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX  XXXX Account : # XXXX XXXX XXXX XXXX XXXX is reporting XXXX late payments on an account that is now closed and paid in full on my XXXX and Tranunion Credit Reports. 

Under 15 U.S. Code 1681b- permissable purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstance and no other : ( 1 ) In accordance with the written instructions of the consumer to whom it relates.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC1681b ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include -- - ( A ) Subject to section 1681s-3 of this title, any -- -- -- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX XXXX XXXX is in clear violation of 15 USC 1681b under the FAIR CREDIT REPORTING ACT.I have written XXXX XXXX XXXX  XXXX to inform them and the items remain currently as they have not abided by the Laws expressed in the Fair Credit Reporting Act.

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 2021-03-02
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account is showing that I owe money which is not true this car was under the Lemon Law Act in XXXX XXXX Florida which was where the dealership that I purchased it from received the car well the car was taken back to correct some factory mishaps and recalls from mini that the eventually deemed the car to be unsafe to drive Because of flooding previously in Florida that caused damage to the car. XXXX XXXX has this car in its Possession since XXXX. I was in contact with Wells Fargo they knew what happened and apologized they have sent me Reimbursement for payment made.

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 2018-09-25
Company: Ad Astra Recovery Services Inc
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I sent a debt validation letter to this company asking them to validate this debt they say I owe them. I have NO LEGAL BINDING CONTRACT with AD ASTRA therefore they need to cease communication with me as well as remove this account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: Ocwen Financial Corporation
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2016, I sent a letter to Ocwen Loan Servicing ( OLS ) that it was becoming difficult to meet my current mortgage commitment loan payments ( Exhibit 1 ). I did not receive a response from OLS for 45 days. OLS suggested a loan modification and I agreed.

My complaint is that the process consumed nearly a year. I have signed many loans over my life and I expected the process would take one or two months the length that normal loans take to complete. The loan listed above was underwritten by XXXX XXXX and took one week to complete. With OLS it took a year to modify.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have requested that they send me a verification of the debt and they insist they have and will not send it. Then they threaten me and do not send me the verification of the debt. They threaten lawsuits and get XXXX  with no resolution. I have never received anything but a bill from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-25
Company: WESTERN UNION COMPANY, THE
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
XXXX of last year my rent money order was stolen from the apt manager 's office where I live. A police report was filed. A fraud and forged complaint was filed with Western Union. On XX/XX/XXXX I spoke with the bank that cashed the stolen money order, XXXX XXXX XXXX XXXX XXXX is assigned this case, and they would like to make resolve this issue with me and issue a refund for the stolen funds. This dialogue was opened because of my XX/XX/XXXX complaint with Consumer Financial Protection Bureau. I spoke with Ms XXXX on XX/XX/XXXX and she advised me that she attempted to get the claim information from Western Union but was transferred around and each contact she had was unable to assist her so she called me for help. I called Western Union on XX/XX/XXXX and gave the customer service rep Ms XXXX XXXX   full name, phone number, fax number and advised that she represents XXXX XXXX   and would like to resolve this issue of the stolen funds for me. I was placed on hold and the customer service rep came back on and said that she would make sure the claim was forwarded to Ms XXXX. On XX/XX/XXXX Ms XXXX called me and said she had not received the claim or any information from Western Union. I received a letter today from Western Union saying that my claim was denied by XXXX XXXX and that they are sorry but must comply with banking regulations. Western Union is the problem here. I have assurance, in writing, the same received by you on complaint XXXX, that XXXX XXXX  is more than willing to resolve this defraud that happened to me. Western Union refused to send the claim and associated information to XXXX XXXX contact XXXX XXXX as requested by her and by me. To add insult to injury, Western Union enclosed a letter from XXXX XXXX that is dated XX/XX/XXXX stating that my request was denied however I have talked and received a letter from XXXX XXXX that says the opposite. Western Union is the cause of why this issue has prolonged for this amount of time. Ms XXXX advised me that XXXX XXXX  had never heard of my fraud/forged complaint regarding this money order that occurred XX/XX/XXXX. I need help getting Western Union to give XXXX XXXX XXXX   XXXX XXXX the information she needs to process the refund they have been trying to administer to me for over a month now. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
We have made requests from three national banks we use for a data download of banking date in access of the 18 month limitation set for comma de-liminated data files. 

When National banks will provide up to 7 years of PDF monthly statements, yet will not provide seven data files for the same data beyond the 18 month limitation. What is the logic?

In both cases, they have to go to off-line storage to access the data. In the data format, they will only have to retrieve up to seven annual data files. In the monthly PDF example, they will have to retrieve up to 72 monthly statement PDF files.

We have no problem with 18 months being the standard for data file downloads. However, we think they should be able to honor a formal request for data beyond the 18 month limitation.

Based on the assumption banks are required to keep 7 years of data for IRS purposes, honoring our request should be of no consequence.

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