BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-16
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have two accounts 'XXXX XXXX XXXX XXXX ' and XXXX XXXX XXXX XXXX that are listed on Experian that should not be. According to my records with XXXX AND XXXX, those two accounts have aged and have been deleted of my account. I 've spoken with Experian multiple times and they are unable to give me an exact date of when these two accounts should be deleted. With my previous negative accounts, the date of deletion were listed next to the accounts but they are not listed next to these accounts. I 've asked that if in fact these accounts have not aged, that they give me an exact date listed next to the accounts and til this day, it is not. Every time I call and ask when they should be deleted, I 'm getting different days and that is not fair to me. I want Experian to delete these accounts as they are aged and they can not accurately verify the date of deletion. Experian needs to follow suit with XXXX and 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 2021-03-24
Company: Mr. Cooper Group Inc.
State: IL
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:
On XXXX, XX/XX/2020 at XXXX XXXX you send me an email about my forbearance plan that ending soon. 
It confirms that we had a forbearance plan during the COVID-19 pandemic. Why are there late payments on my credit report during that plan you offered? I attached credit report for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: Experian Information Solutions Inc.
State: AZ
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 several times and ways to have the AZ XXXX child support payments history corrected with the bureaus. Account was never late or with arrears. I have submitted court documents from the collecting state confirming on time payments and a overpayment. The CRB wo n't update and shows 35 missed pay, nets of 120+ days. There is also a loan showing wrong/false information not once but twice both with different data. It 's from XXXX XXXX in South Dakota and states I entered into some loan I have no idea about. I have been trying to get a home but it 's been months with incorrect information reporting.

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 2017-10-16
Company: UMPQUA HOLDINGS CORPORATION
State: WA
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:
There were suspicious hard inquiries about my credit that I did not authorize. It happened XXXX XXXX and XXXX. I was at work on those dates but I received a notification that there were changes on my credit report thats why I log in to my account. I saw that there were atleast 7 hard inquiries from different companies that I did not authorize. That is unlawful and that is illegal viewing of my finances. I never gave authority to any body to view my credit, especially without my knowledge. It was for car loan credit inquiries. I went to XXXXXXXX XXXX XXXX in XXXX and spoke to the manager. I told the manager that they run my credit without my permission and I really wan na complain about it. I told them that its a serious matter for me and I felt very threatened and furious of what happened. It could be identity theft and I was so sleepless for two nights because of that. I was told by the manager that somebody represented me on my behalf and told them that shes my nom. They ran my credit without my consent for several times without even double checking and asking for my ID. I really felt that these companies violated my privacy and rights. I am so afraid and XXXX off right now at the same time and I wan na take this in legal action.

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 2018-01-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX 2016, I noticed a derogatory tradeline on my credit report from Wells Fargo in excess of {$4900.00}. I was not familiar with this account and given recent revelations about Wells Fargo 's unethical and illegal practices regarding millions of fraudulent accounts, I requested, in writing, that they provide me with specific details associated with this account ( # 1 in attached ). 

Not only did Wells Fargo ignore my lawful request for information regarding a tradeline that they were reporting, they subsequently verified same with each of the 3 main bureaus - each instance a clear violation of Federal and State ( TX ) law. Wells Fargo continued this behavior on multiple occasions, despite my repeated requests for information. 

After months of my requests being ignored and the tradeline repeatedly being updated, I notified WF of their illegal activity ( # 2 in attached ) and demanded that they immediately cease reporting this account which they refused to apprise me of. This request was also ignored and the reporting continued. 

I ultimately reached out to XXXX XXXX, CEO of WF, directly ( # 3 in attached ), advising him of my experience with his company and asking for assistance. He, also, could not be bothered to reply to me or have anyone follow up. Their illegal reporting of this tradeline, that I have NEVER been provided with details of, continues to this day.

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 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$13000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-16
Company: The CBE Group, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There is a collection account filed with CBE group that was assigned by XXXX XXXX after the account was billed for an increased amount without notification or authorization. I talked to a XXXX XXXX representative in XXXX of XX/XX/XXXXregarding this and she did not acknowledge a payment that they sent me a receipt on, told me they did not have to notify me of a fee increase, refused to allow me to talk to a supervisor and refused to accept a partial month payment for a two week period covering the last week in XX/XX/XXXX and first week of XX/XX/XXXX The receipt i have from XX/XX/XXXX was almost $ 50 month higher than XX/XX/XXXX and there was no notification of the increase. It should be noted that I had called XXXX XXXX in XXXX of XX/XX/XXXXto cancel my account because of a similar rate increase and they reduced my monthly rate telling me that they would provide me notification if any rate increase was anticipated. It is important to note that I did not have a contract with XXXX XXXX with any time limitation and was on a month to month service verbal agreement with them. The address for CBE group is shown to be : XXXX XXXX XXXX, XXXX XXXX, Iowa XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 AM INVOKING MY SPECIFIED REMEDY AS THE ORIGINAL CREDITOR AND THE CONSUMER. After reviewing my consumer report, I noticed that there were a couple of hard inquiries on my report which I did not authorize. On XXXX XXXX, TransUnion posted a hard inquiry from XXXX XXXX XXXX to my consumer report and a hard inquiry from XXXX XXXX XXXX on XX/XX/XXXX. Pursuant to 15 U.S.C. 1602p, my credit was misused. I never gave written instruction to TransUnion to furnish a hard inquiry to my consumer report ( 15 USC 1681b ( 2 ) ), therefore, for these hard inquiries to be reported, it is identity theft and have to be deleted. TransUnion also allowed XXXX and XXXX XXXXXXXX XXXX to have access to my consumer report without my permission or consent which is illegal pursuant to 15 USC 1681n ( b ). With an initial investigation not being completed by TransUnion ( before furnishing the information ), these hard inquiries should have never been reflected on my consumer report pursuant to 15 USC 1681a ( 2 ( b ) ), which states a hard inquiry should be excluded from a consumer report. In response to the review of my consumer report, I have sent TransUnion a remedy letter, a notarized affidavit of truth, an invoice and a supporting document which they received on XXXX XXXX, XXXX. I need this problem resolved as soon as possible as this is a negative reflection to my consumer 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 2019-02-14
Company: Clearview Resolution Services
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have already been paying off my loan with a debt management plan. I was not made aware that it was sold off. The debt management company has still been sending the checks to the original creditor and they have been cashing the checks and not forwarding the money to the debt collector in which they sold the account to. The person who contacted me harassed my family members and claimed that I was to be sued if I didnt pay by visa or prepaid card. He also read off my complete social security number. He said he was in contact with the lawyers from XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Experian. Signed up for membership ages ago to check credit. Try to call, but the hold times are enormous. When I do finally get someone they always say they are going to mail me something to verify my address, they never do. This is a scam and they keep charging 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 2018-01-16
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I purchased a XXXX XXXX in XXXX 2008 and Believe Interest rates where too high, I was sols the Vechile for XXXX dollars with {$1300.00} for trade some this monies were first finaniced by XXXX XXXX XXXX SInce that time I have made 50 payments of {$330.00} for total of {$16000.00} for this van as of today I am still on the hook for {$7000.00} additional fee the van was repossed and sold for {$1100.00} by Santander, this has been on my credit for over 10 years I have reached out to pay {$500.00} to have these charges taken on of my credit report to no avail as you can see I have paid a total of {$19000.00} for the van and Santander claims I still owe {$7000.00} dollar on this worthless van, can someone help as I am trying to get this off of my credit to purchase home.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-16
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Citi cardsswitched me to electronic billing in XXXX 2016 to save the trees. However, they didn ; t send us a single statement after this either electronically or by mail. Since we pay bills through our credit union, Citi card payments have been steady and paid every single month. We could not get the eBill function to work like with every other lender, but it didn ; t seem to matter until today. I got a call from one of their collectors, and Citi was " getting the payment a day or so late each month. '' For this, we have been charged {$26.00}, and {$37.00} a month for as far back as I could look. I had no idea because we can ; t seen to get through to them electronically, we do n't get statements, and since I 'm XXXX XXXX XXXX - it does n't do a lot of good to call them. Their collector demanded to know where our payment was. I looked at XXXX and saw the payment was posted late last week, but because it does n't post immediately, here comes another late fee. And since we never saw the updated card agreement, how can they legitimately increase the late fees from {$26.00} to {$37.00} anyway? All while we send them {$200.00} or {$250.00} a month? This is wrong on more than one level. Also, how can they call my cell phone at work when I never authorized them to call my cell phone? Why ca n't they just send me a letter???

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 2022-01-10
Company: Firstsource Business Process Services, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FirstSource Advantage LLC, illegally bought an unknown debt from XXXX XXXX, They have no Authority. I do not have a legal binding contract with Firstsource Advantage LLC nor do I wish to contract with them. They are violating mail fraud laws, XXXX laws, Violation of my right to privacy.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: EQUIFAX, 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: Information belongs to someone else

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. 

XXXX  XXXX {$690.00} XXXX  XXXX {$11000.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
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: Problem with personal statement of dispute

Complaint:
During the months of XX/XX/XXXX through the present XXXX XXXX XXXX XXXX XXXX XXXX, XXXX has assisted me in attempting to refinance mortgages on two of my properties. XXXX XXXX XXXX, Vice President ( XXXX ) is working closely with me regarding refinance process. In reviewing my credit report XXXX XXXX noted that their were errors on my report regarding Home Equity Line Accounts. Specifically, on my New Jersey home XXXX XXXX Case was reporting three home equity lines where in fact there was only one. In addition, they were reporting these home equity lines as open lines of credit which they were not. Consequently, I requested a letter from XXXX XXXX XXXX specifying that there was only one account, not three, and that this account was no longer an open line of revolving credit, but was in fact closed and therefore should be recorded to the credit agencies as an installment loan not an open line of credit. Numerous letters wee sent to Equifax stating this fact. No matter how XXXX XXXX XXXX structured the letters, for some reason Equifax consistently found the letters unacceptable. They finally advised XXXX XXXX XXXX XXXX  that the most recent letter received by them from XXXX was acceptable and that my file updated and further instructed XXXX XXXX XXXX XXXX to pull a new file as per the attached email from them to XXXX XXXX XXXX XXXX onXX/XX/XXXX. Once this report was requested by XXXX XXXX XXXX XXXX it reflected no corrections whatsoever. When XXXX XXXX XXXX XXXX contacted Equifax by phone to call the XX/XX/XXXX email to their attention they were met by a rude, uncooperative, and hostile response. Equifax informedXX/XX/XXXX that even though they instructed XX/XX/XXXX to pull a new credit report and even though they acknowledged the acceptance of XXXX XXXX most recent letter they nontheless refused to correct and update my credit report. This resulted in a substantial drop in my credit score because XXXX XXXX XXXX XXXX pulled a second credit report ( as per the instructions of Equifax ) and because of their refusal to correct and update my credit report. This has caused me irreparable harm in that I was unable to obtain mortgage re financing at extremely favorable rates and terms and has caused increased interest rates on other obligations. Therefore I am requesting assistance in demanding that Equifax honor its XX/XX/XXXX memo and that Equifax also retract the second credit pull of XX/XX/XXXX and that they immediately correct all records and my score accordingly once their records are corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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 XXXX I sent dispute letters to XXXX, TransUnion, and XXXX disputing several accounts that I believe to be innaccurate erroneous or outdated and haven't heard anything back on the investigation. Also mailed out to them again on XXXX asking for a response or comply.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: SUNTRUST BANKS, INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Purchased a boat trailer ( XXXX # XXXX ), title # XXXX on XX/XX/XXXX with a bill of sale, since title was apparently lost. The lien issuer on the title, once recovered is : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX. This bank was evidently acquired many years ago ( possibly in the XX/XX/XXXX 's ) and is supposedly operating under the name of Sun Trust Bank in XXXX, NC. The FDIC said the lien could be released, but apparently it is technically still in business, under the name of Sun Trust Bank. The DMV, whom I have approached numerous times, says they want the license tag back if I can not get a release of the lien on the title. Have had the trailer inspected by the License and theft bureau of the DMV. Have also, at the request of the DMV purchased an Indemnity Bond on the above trailer. I spoke to a manager of the said Sun Trust Bank in XXXX and while they said they would be happy to release the lien, Sun Trust had no connection to the XXXX XXXX XXXX that was once located in XXXX, NC. 

The original owners on the title are : XXXX XXXX XXXX and XXXX XXXX XXXX Now residing at : XXXX XXXX XXXX, XXXX, NC 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