BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-08
Company: EQUIFAX, 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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX I XXXX, CA XXXX, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-04
Company: Unlimited Progress Corp
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I have tried settling a debt. That I had no idea about. It turns out it was a bill for my daughter. The only reason I found out about this is because I am in the process of buying a home and when they pulled my credit the mortgage lender notified me and I was shocked to see this. I immediately called the creditor who are located in XXXX Illinois. I told them I would pay it over the phone for deletion on my credit report. She told me to write a letter to the supervisor XXXX XXXX about my situation. That she does the reporting to creditors in the beginning of each month. 
I wrote the letter and mailed it out immediately. Never heard back. So I called again. I was told that they got my letter and that they would require payment in their hands first then decide if they would delete from my credit reports. She then however mentioned to me that they dont delete from reports. I then reiterated " so you guys need payment in hands and even then you still won't guarantee the deletion? " she said that is correct. 

I am trying to pay this off but they are not accommodating by any means. I have been nice every single time I am really trying to settle this. The closing on my future home is less then 60 days away. Can you help me please. 

My email is 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 2017-12-17
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2023-01-09
Company: SANTANDER HOLDINGS USA, INC.
State: AR
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:
Santander is reporting a {$27000.00} balance on my account, and showing it as a charge off on all XXXX major credit bureaus. My online Santander account shows they received over {$14000.00} for my vehicle that was illegally repossessed. It shows the payment posted on XX/XX/XXXX, yet on XX/XX/XXXX they also again reported a {$27000.00} charged off balance, instead of the {$9000.00} balance that my Santander account shows. They also still have not subtracted my service contract amount of {$3500.00} that I was not allowed to use, never used and never received paperwork on. I have disputed this since I purchased the car in XXXX because I was forced into it after being told it came with the new car purchase, which is deceptive practices. I was never notified of the sale of my vehicle either. I want Santander to completely delete this account from my credit report immediately since they have continually reported wrong information and refused to fix it. There is no reason that they should be allowed to continue to cause me further financial and credit harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Midwest Credit & Collection, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I looked on my credit report and noticed that there is alleged debt that hasnt been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: SECURITY FINANCE CORP
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
on Today XX/XX/18 my grandmother who is a reference on my account they called her and discussed my balance on my account. I know that they aren't supposed to release any of that information but they can call and ask for an updated address or phone number. However, once I called the representative that told my grandmother this information she states she only told since my grandmother asked but I told her I don't care because she still should not have disclosed it due to it not being her account. I think got transferred to the manager she told me that I am not telling the truth that my grandmother told them the amount of my loan. I am like how can she know the amount if I didn't tell her and she was speaking to your representative that stated she told only because my grandmother ask, no way possible for her to know the exact amount of the loan. I also advised that I get numerous calls she told me that's false she only calls me once a day. I said ma'am I get a call from XXXX at least twice a day and one from her each day. I told her I could show her my voicemails but she told me she isn't hear to discuss that just the payment of my loan. so I asked her not to call me or my grandmother any more. I spoke to the assistant manager XXXX an made a payment and he told me the payment wouldn't be due until the XXXX of each month. granted I am behind and did mention I would pay it and I said I would go ahead and make 2 payments this month well I forgot on Friday due to death and on Monday today XX/XX/18 woke up to 4 voicemails and then a call from my grandmother. she told me since I'm late they can call me about it as much as they would like until I'm caught up.

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 2017-03-09
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
To whom this may concern, In follow up to my disputes concerning false information on my credit report, I have obtained my FTC Identity Theft report number which is : XXXX. The website is broken at the moment and will not generate a full PDF, however, Chex Systems , Inc. is legally required to investigate all disputes for fraud and the information within this PDF will assist in removing known to be false and previously disputed information.

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 2018-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXXI took out a HELOC for XXXX to upgrade my home. My payment was always XXXX. To stay on top of it I have an automatic withdrawal from my bank, XXXX, automatically to BOA each month for XXXX. In XX/XX/XXXXBank of America paid XXXX to pay my state home owners tax. This was not up to them to do, and they should not have done that. I don't know why they did this and when I asked them, they didn't know how it happened either. It was none of their business to pay my state taxes. Than BOA took the XXXX and added it to the balance of my HELOC. So instead of paying intrest on XXXX, for taxes, they added it to my HELOC payment and now they have me paying intrest on almost XXXX. This is dirty business. 
There are 2 completely and separate issues but BOA added it all together. 
I have been asking for a copy of my original loan document so I can see what is going on for myself but BOA refuses to send me a copy of my HELOC. 
This was a fixed rate loan when I got it, now I'm being told it has been changed to a variable rate loan. This is wrong to do to me and it is destroying my credit. 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 2018-10-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX is appearing on my credit file that you maintain under my social. I have contacted XXXX 3 different times certified mail and have yet to get anything to validate this account. How is it possible for to verify this account and they are not validating it with me? This company is reporting inaccurate information and cant provide proof bearing my signature that 'i had any contract with them or any company that they represent. Please remove this from my credit file immediately.

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 2018-10-01
Company: Aargon Agency, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was checking my credit report and saw i had a collection account with this company, I've never had any dealing with this company. I've different tactics such as a debt validation letter asking them to provide my signature as well as with me giving my permission to share my information with a third party as well as contacting them to remove this negative reporting item from my credit report and I've received no solution

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 2020-07-09
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My wallet was stolen on XX/XX/XXXX. The person that stole my wallet proceeded to spend {$920.00} from my account before I realized I no longer had my wallet. I called Wells Fargo immediately to report it and then called the police to file a report. On XX/XX/XXXX I went in to a Wells Fargo branch to make sure that the account was closed and get a debit card for the new account. On XX/XX/XXXX I called to check in with Wells Fargo about the status of my claim. I was on the phone for 1 hour and 3 minutes ( most of it I spent on hold ) for the agent to tell me that there was no way for the  security of a debit card with a chip to be bypassed and that I must have been the one to authorize the charges. I called the police officer who is handling my case immediately afterwards. He told me that they do in fact have a picture of the man that took my wallet and used my cards and they were working on identifying him. On XX/XX/29 I received a letter in the mail formally stating the information that the agent had told me on the XXXX. I called the number provided to see if I could speak with someone else and the agent on the phone told me that mm case was closed and would not be reopened. As soon as I got off the phone I went down to the closest branch to speak to someone in person. They made an appointment for me and asked me to return at XXXX with the police report. Due to it being an ongoing investigation they were not able to provide me with the report but a confirmation that a report has been made. I returned for my appointment and waited 45 minutes beyond my appointment time for someone to see me. At this time the banker ( XXXX XXXX ) filed an Escalated Complaint for me and said I would receive a call shortly. It is now XXXX. 9 days since the complaint was filed and Wells Fargo has not contacted 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 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 went to the car dealership trying to apply for a car. They said that they were ONLY going to run my credit once through jeep. However, there are 21 Hard inquiries. 

CREDITOR / DATE OF INQUIRY 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 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 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 2018-05-23
Company: Creditor's Collection Service, Inc.
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have attempted to resolve this debt with this collection agency. They have told me that they can not locate my file. I have sent them my FTC report and police reports but they tell me that I do not have a debt with them. However is that is being reported to the major credit bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: American Financial Network Inc.
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I signed my Final ALTA Settlement statement on the XXXX of XX/XX/2020 via remote closing at my home. When I received copies if my closing documents and my settlement check I noticed that the dollar amount was different than what was on the statement that I had signed. I noticed that the first position mortgage lien amount was different but I attributed that to interest, although that should have been properly accounted for but there was also an increased amount of {$50.00} for the remote closing above the amount that was on the ALTA that I signed. I then emailed the mortgage company to find out why the numbers were different and was told that it was due to interest. I asked about the increase to the signing fee and was told that they would look into it and get back with me. They did not. I inquired two more times and was never given any follow up or reason as to why I was charged more after I signed the ALTA or why the ALTA that I signed did not match what was in the final loan docs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XX/XX/2022, pursuant to 15 U.S. Code 1681i, I requested the description of the procedure of reinvestigation from Transunion ( complaint # XXXX ). On XX/XX/XXXX, Transunion responded that they would respond within 60 days. According to FEDERAL consumer law, This information was to be received within 15 days of the receipt of the complaint. As of today, XX/XX/2022, this information has not been received and therefore Transunion is in VIOLATION of my consumer rights. Since Transunion continues to violate my consumer rights and be willing fully negligent as it pertains to my file, I will be filing a dispute in small claims court to seek remedy for said violations.

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 2020-07-14
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have several items on my credit report that are not mine. I noticed it because i recently applied for a credit card and I wasnt approved so it prompt me to check my credit report. These items listed are not mine and need to be delete from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian report number XXXX I have notified Experian in my dispute letter that they are in violation per FCRA and FDCPA guidelines by reporting southern management system and XXXX XXXX XXXX on my credit report. These accounts are inaccurate and must remove for violation. 
I do not understand how its Experian opinion that these accounts are reporting accurate when I have notified them and shown proof base on my factual base dispute letter that they are in violation and the inaccurate accounts must be remove Experian get paid to report accurate and complete information, yet they are in violation per FCRA and FDCPA as they continue report such blatant inaccuracies on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The only person I have been able to or allowed to speak to is a woman named XXXX, back in XX/XX/XXXX I called to complain stating they are saying I owe them over {$4000.00} for a XXXX XXXX XXXX bill, when in fact the XXXX XXXX XXXX bill was showing only as {$2200.00} per the final bill. She stated on two separate occasions that she needed to get a final bill before speaking to me, both times she raised her voice stating that my " story '' was irrelevant. I said it is relevant when it's TWICE what they were showing I owed ( which really should be {$0.00} but I am working that out with XXXX XXXX XXXX directly as I didn't reside at the XXXX XXXX XXXX - which is a large portion of that bill, I only resided at XXXX XXXX XXXX for a short period of time which was less than {$300.00} in services ). Now this is negatively effecting my credit when Collection Bureau of America stated they WOULD NOT REPORT NEGATIVELY until they found out what the actual amount owing was. They didn't even give me a chance to resolve any discrepancies before reporting me negatively to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: Empowerment Ventures, LLC
State: NY
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I went to withdraw {$300.00} from my rushcard at the XXXX in XXXX NY on XX/XX/2017. The atm was out of money and I never received my money. The representative at the XXXX customer service desk called the atm company, but they were closed. She provided me with the number. I call them on XX/XX/2017 at XXXX and was informed that they were aware of my issue due XXXX contacting them this morning. The rep said she knows i didnt receive the money. They requested that I contact my card holder and ask for a provisinal credit and they would be waiting to here from them to confirm that i didnt receive the money. I reached out to rushcard at XXXX. I was informed that they needed to submit a dispute and have the form sent to me, to sign and fax back. It will then take 10 business days before i would receive a provisional credit, ( CRAZY )! I provided them with my email address which they have on file, already. I did n't received the form, so I called back at XXXX. A rep resubmitted the request and told me I had to wait up to 6 hrs to receive the form. The previous rep did not tell me this. I tried calling them again at XXXX and again at XXXX. Thinking I should have received the form already from the initial request at XXXX. It is currently XXXX and I have not received the form. But yet received surveys for my calls I made to them within minutes. At this point I do n't want the form, I would like to have my money credit to my card and my account closed down with them as this is n't the first incident I 've had with them. They can contact the atm service at XXXX and verify that the money was not received and credit my account. This is bill money and I would like rushed to cover all fees associated with this bill being paid late.

Company response to consumer: Closed with explanation