BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-17
Company: EQUIFAX, INC.
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX , XXXX XXXX, FL XXXX To Whom it May Concern : XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX  Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: EQUIFAX, INC.
State: CT
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 contacted XXXX XXXX regarding the inquiries listed on my credit report that were not authorized and done by myself on XXXX/XXXX/2017 and they explained that I needed to contact them in writing to dispute them. On XXXX/XXXX/2017 I did contact them via mail and rquested that all inquiries be removed at once because they were not authorized to pull my credit and I have n't applied for any cards with this bank. XXXX XXXX never responded to my initial written request so I called the Equifax XXXX/XXXX/2017 and again on XXXX/XXXX/2017 to explain the situation once again looking for some type of resolution and was told to call the creditor that there was nothing that can be done without written letter stating they ( XXXX XXXX  ) wanted the inquiries removed. I decided that I would again send out letters as well as contact the CFPB to notify you of this situation as well as send out a second letter to the creditor as well as a letter to the bureau for each unauthorized inquiry from XXXX XXXX although I was told that nothing would be done without written permission to be removed from the creditor. I find it very upsetting to have my credit score impacted by inquiries I myself have n't done and to have the bureau and XXXX XXXX just " bounce '' me back and forth between the two of them I ca n't seem to get to a point of resolution please help me resolve this matter because I have exhausted all attempts thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: Experian Information Solutions Inc.
State: NV
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 purchased a car from XXXX on XXXX XXXXXXXX. I was told that {$1000.00} cash deposit down was required in order for credit through XXXX XXXX XXXX to be extended to me. This violates 15 U.S. Code 1662 ( 2 ). I was then notified that I needed car insurance in order to leave lot. Pursuant to 15 U.S. Code 1605 ( a ) ( c ) insurance was supposed to be included in the finance charge which it was not. At this current time, I am still paying a monthly premium for car insurance. I believe that XXXX XXXX XXXX along with XXXX is in violation of 15 U.S. Code 1692 ( e ). There was also several late payments that are reporting on my credit as result of me losing my job as a result of XXXX from XXXX- through XX/XX/2020. I contacted XXXX XXXX XXXX to remove these late payments and they have refused. Pursuant to 15 U.S. Code 1666b, creditors may not report late payments. XXXX XXXX has made several phone calls and even text me at inconvenient hours to demand payment when I am even 1 day late on a payment. As stated in 15 U.S. Code1692 this is illegal. and sent Lastly, my personal information is being is being reported to several non affiliated 3rd party consumer reporting agencies. This is a clear violation of 15 U.S. Code 6802a. These current events are causing me extreme anxiety, sadness and stress, as I am being repeatedly denied credit stating that I have unsatisfactory payment history as a result from 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 2018-01-08
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have rented several apartment and homes over the last seven years, which come with numerous bills in my name but for some reason, I do not appear to have any credit. Any time a service runs a report on me, nothing comes up. It has caused recent issues with a rental I am entering into an agreement with and I would like to figure out why this is happening.

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 2017-07-29
Company: Experian Information Solutions Inc.
State: GU
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I respectfully ask the XXXX who the right person to corrected my name and social security number and contact the Experian to corrected the information it has on file for me. I do n't understand why Experian still not corrected the information on their file. I had sent copy of my driver 's license passport, social security card, even my Bank account number. I ask for the CFPB assistance to inform the credit company to take advantage of my personal information and corrected please. I also sent XXXX my personal information by e-mail. I expect to corrected now. the three credit bureau company. I request the XXXX to allow me to view my dispute online. I do n't know why I ca n't able to see.

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 2021-12-09
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: Experian Information Solutions Inc.
State: NJ
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:
Thus Company has failed to Validate thus Debt I have been sending Identity thief reports and numerous Validation letters for the last 65 days they failed to respond

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 2022-01-15
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: Was not notified of investigation status or results

Complaint:
I have been experiencing an ongoing issue that has yet to be solved. I have submitted in numerous of disputes asking for the following companies to validate the debt that they are claiming I owe. I have requested numerous of times to send the orginial contract with my wet signature claiming and showing documentation confirming that I owe this debt. I have not received ANYTHING from any of the following companies, yet they keep updating my credit reports. What are you updating it with if you haven't even sent me any documentation? I am becoming beyond frustrated at this point. Futhermore, I have been violated numerous of times under the FDCPA, and FCRA. Failure to provide me the orginial documents that I have requested within 30 days results in an automatic deletion. This is the last step I am taking before filing for ligitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Mid-Atlantic Finance Co., Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Loan was sold from a NC dealership to FL one XX/XX/XXXX. Unable to make XX/XX/XXXX payment to NC dealership as they do not hold loan any longer. FL dealership has raised the amount of my payment, has assessed late fees for XX/XX/XXXX illegally and when I go to pay this month online the payment says it is not due until XX/XX/XXXX. When I call Mid Atlantic I get no resolution and have had the customer  service reps hang up on me. I was told the new rate is only {$6.00} more why ca n't I just pay it. My loan is for {$300.00} a mo. They want {$300.00} and then add mysterious late fees on top. Mid Atlantic has still sent no paperwork to me regarding the loan, despite multiple requests from me for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is XXXX XXXX and XXXX XXXX We offered {$280.00} on the collection account and they refused. They want between {$500.00} and {$650.00} to cover a {$750.00} debt and this is too much. We want to pay if but to be fair to both parties. We are elderly ladies that are co executors of the will and there was little money to cover the expenses and we did promise to try to cover all of his debt. We fell short because this company will not work with us. XXXX was a XXXX vet and XXXX that incurred a lot of medical debt in his last year. He loaned someone money that wrong bad checks to cover the loan and that was unfortunate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: Avant Credit Corporation
State: AK
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
In XXXX 2017 I began a payment plan with XXXX XXXX XXXX. I notified Avant beforehand that I was going to be working with XXXX and all they said was that XXXX would need to send them a proposal. XXXX did send them a proposal and 6 months worth of payments. In XXXX of 2017 I got a notification that my credit score had dropped. I found out Avant had reported me being {$55.00} past due. I get no statements from this lender and had received no notification my account was ever past due. I downloaded their phone app and logged in and discovered they had been posting fees to my loan and only posting the payments to fees and interest for 6 months. When I called them I was told they stopped communications with me because I had a debit management plan. I reminded them it was not the same thing as bankruptcy and they had every right to be in contact with me and should have notified me of the past due amount and that they were posting fees to my account. I paid the loan off in full over the phone over the following weeks time. They caused my credit score to lower, they charged me excessive fees, and never once tried to notify me of the issue. Not by email, postal mail, phone, nothing. Customers have an expectation that if there is something wrong with their account they will be told about it. I should n't have had to find out via a credit report app on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a letter from a debt collector for a Cabelas Visa card. I also had a 30-59 day report on my credit bureau report. I have NEVER made a payment on this card past 30 days. I will admit, it has been up to 15 days past due one time, but NEVER 30 days. They told me that since I did n't make my minimum payment when the statement was cut, that was why it was reported on my credit bureau. This is deceptive and unfair and UNTRUE practices. I have NEVER made a payment 30 days late. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
X/XX/17 I have gotten a consumer credit report and noticed a lot of unauthorised access to my credit I have about XXXX companies with XXXX inquiries I sent dispute letters to the company 's and the credit bureaus I have had no response from neither the company 's or credit bureaus.

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 2018-01-06
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I applied for a credit card with XXXX XXXX and they use XXXX XXXX to check my credit. Despite having a FICO score of XXXX, I was denied a credit card with XXXX XXXX. 

They have asked me to contact XXXX to findout why my credit file is negative and I have received no response from them. 

Can you please help me with this matter.

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 2022-01-15
Company: BSI Financial Holdings, Inc.
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage has been transferred from XXXX XXXX to BSI Financial Services in XX/XX/XXXX. My escrow account has been transferred to BSI Financial Services and I have made XXXX mortgage payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all of which included escrow payments. 

BSI Financial Services have not paid my County taxes out of my escrow account which were due XX/XX/XXXX. The taxes are now over 1 month delinquent and have accrued both late penalties and late interest fees. 

I called BSI Financlal Services on XXXX XXXX to confirm they had my escrow account and taxes/insurance information from my mortgage transfer and they responded they did not have that information and have created a request for their escrow department to expedite my request to get the escrow account squared away. I've followed up with two additional phone calls, roughly on XX/XX/XXXX and XX/XX/XXXX to have my taxes paid. 

I've submitted two email requests to expedite the process, the latest email sent on XX/XX/XXXX with a note I would be consulting a lawyer if my taxes were not paid. I've reached out to XXXXy county tax office and they have also sent an email to BSI Financial Services along with a copy of the delinquent taxes they have failed to pay out of my escrow account. 

I have contact BSI a total of 6 times - 3 phone calls, 2 emails submitted from XXXX XXXX XXXX/, and 1 email submitted XXXX, from my county tax department on my behalf. 

The current amounts BSI Financial owes my county tax office : 1st half XXXX taxes : XXXX Penalties due to late/non payment : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: Bread Financial Holdings, Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been a victim of fraud. Several credit/loan accounts have been opened in my name. Including accounts for XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX  XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), Comenity Bank ( Express Next Card ), XXXX XXXX, XXXX XXXX XXXX, and Checking and Savings with XXXX XXXX. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account. My mail had also been intercepted by the perpetrators for over two years. ANY good that were shipped and bought with ANY of those accounts I DID NOT Receive. Several Payments were made to keep accounts looking good while maxed out so I DID NOT find out about the accounts until much later and the damage had been done. The prepaid bank accounts and suntrust bank account that made payments on these alleged accounts was opened and funded fraudulently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-15
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax Credit Bureau is still sending someone's mail to my XXXX XXXX XXXX, and has listed this fraudster 's name ( XXXX XXXX XXXX ) on my XXXX XXXX XXXX XXXX  documents that I paid off. I submitted proof of my XXXX XXXX XXXX XXXX documents via mail to ALL ( 3 ) Credit agencies that shows my full legal name, loan account #, and paid in full status. My full legal name is XXXX XXXX XXXX. I have filed a report against XXXX XXXX XXXX who is illegally using my XXXX XXXX XXXX and false claiming my loan account number with XXXX XXXX XXXX. Equifax Credit Bureau is violating my Rights after being notified of this issue and not considering my contractual USPS XXXX XXXX Agreement that is in my name. I would like to file a complaint against Equifax Credit Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
State: TN
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 noticed many incorrect and unauthorized items appeared in 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 non-monetary relief
Consumer complaint received 2018-01-08
Company: Seterus, Inc.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am having trouble getting the mortgage servicer to speak with me. The mortgage company is Seterus. I am going through a divorce. My ex-husband is the person who borrowed the money, but I am on the deed and I also signed the mortgage. He moved out and down to Florida ( Im in South Carolina ) in XX/XX/XXXX. He has been court ordered to make the mortgage payments since XX/XX/XXXX, but has not done so. We got help from the hardest hit fund ( SCHELP ) to reinstate the mortgage through XX/XX/XXXX or XX/XX/XXXX, but he did not make any payments after that like he was ordered to do. I was sued for foreclosure in XX/XX/XXXX and I am trying to save my home. I am a XXXX senior citizen, and I do not want to be homeless. 

I have tried to speak with Seterus maybe six times in the last six months or so, and each time the Seterus representative refused to speak with me. I am a part owner of the property, and my name is on the mortgage along with my exs. I want Seterus to speak with me so that I can try to save my home from foreclosure now that my ex has abandoned 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 2022-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
My credit score on XX/XX/2021 was XXXX. 
My credit score currently has been dropped by XXXX points to XXXX. 
Nothing material has changed on my credit report to cause this action. 
For example, due to COVID-19, all loans in forbearance, deferred to the end of the loan upon exiting forbearance, resuming regular payments, with all payments continuing to be current, under the XXXX act should not cause this action as informed to me by the banks. 
I have asked the company to restore my credit score back to XXXX. 
This is yet to be done.

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: WELLS FARGO & COMPANY
State: AK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello, I got asked to create a song. They offered to pay me XXXX but sent XXXX on " Accident ''. 

I deposited the check into my wellsfargo account the XXXX of XX/XX/2021. 
The check cleared and was in my account, so I sent them 4 payments of XXXX, only to have that check bounce 3 days later. I wouldnt sent them any money if the check wouldn't of cleared. I didn't get any notifications that it could be a fake check. I didn't have any pendings over the check it was all in my account. 

The account the contacted me was through XXXX, this is the account. XXXX The email address the check came from is XXXX Hope this information helps!

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