BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-19
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( XXXX ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681cXXXX XXXX XXXX ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from 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 non-monetary relief
Consumer complaint received 2022-12-10
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX. There is about 130 Transactions that I did not authorize and they just wont refund the money. Nor will they provide a reason to me why they didnt. They have refused to refund me and wont give a reason now. I also showed proof of fraud and they still said the claim will remain closed. And they just open a new claim with a different transaction solely to investigate the old one but were past 10 days and they refuse to work with me and Ive only gotten the run around and treated awfully even been called rude things by there staff. So Im very upset and in a bad spot financially now.. I truly need help ASAP. Im down XXXX now.

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 2021-04-14
Company: Finance of America Holdings LLC
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
My name is XXXX XXXX. I am a XXXX XXXX. For the last 6 months I have been trying to buy out the reverse mortgage my mother had on the house. The address is : XXXX XXXX XXXX, XXXX TX XXXX. Here 's just a little background. 

Starting about XXXX Mom was is very bad health with XXXX and other issues. She went into the hospital 3 times when a XXXX ( that she was prone to ) went XXXX. This had us on an emotional roller coaster as each time it happened it was a little worse. The second time she was in an induced come for 6 weeks and in the hospital for 12. The third time she never recovered. She passed away shortly after XXXX of last year. Myself, my sister, and my brother in California were labelled as executors on the will. 

Here 's the situation. I've been working with XXXX XXXX XXXX and XXXX XXXX to get financing to pay off Mom 's reverse mortgage with XXXX XXXX and take ownership of the house. I planned on living there as it is close to my sister. I had planned on moving there from XXXX XXXX for years. I had to move into the house since my apartment complex will not do a month to month lease. For the last 6 months I've been providing XXXX 's XXXX with all the documentation they required. I've had the foundation repaired and the fence replaced. I spent {$1000.00} on plumbing. All together, I've spent over $ XXXX XXXX dollars getting to this point. I've also payed for a Survey and inspections. We were supposed to sign the closing paperwork Tuesday XX/XX/XXXX. I received a call saying that somehow my name got on the title without my consent. This is news to me because I am not aware of a Transfer on Death Deed. I have also not signed anything that would give me ownership. 

What XXXX 's XXXX told me that due to a Texas Law they could no longer finance me. As you can imagine, I was shocked, disappointed, and discouraged. I called XXXX XXXX and they said that they could not either. I think they mentioned a lien against the house. I am not really sure because I was still in shock at the time from the news. If there is, it would probably be by the reverse mortgage company XXXX XXXX. I'm just not sure. Right now I just do not know what to do. I'm working with XXXX XXXX, but it's hard to be positive since XXXX XXXX  said they couldn't help. 

I'm really angry because I did everything that they asked of me. Now someone illegally has gone in and just before closing ( and thousands of dollars later ) crushed my hopes of getting into this house. To my understanding of the Law, no one can force me to accept property without my consent short of a Transfer on Death Deed of which there was not one. I am looking for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
There are a number of address discrepancies on my credit report that do not belong to me. These old addresses have possibly allowed my information to become compromised.

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 2018-01-14
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello ; To whom it may concern, I have been in an uphill battle with Hunter & Warfield ( XXXX XXXX ) which has described themselves as a debt collection company base out of Florida. Their address is XXXX XXXX XXXX XXXX, XXXX FL. XXXX. I have contacted this company several times in regard 's to a collection that I have no knowledge of other than it being listed on my credit reports, when I saw this listed I immediately contacted this company by certified mail only to receive no reply. I have been sending this company letters since early XXXX, I even called only to get a voicemail and no response. The company says that I owe them {$2500.00} and I do not know where this debt came from nor do I owe them anything. Each month they add {$5.00} to {$15.00} dollars to the account on my credit reports to show that I have not paid and to keep the debt current. I have tried to contact this so called creditor ( XXXX  XXXX ) and they are no longer in business because the property was sold by a Management company called XXXX XXXX XXXX, property management company ( XXXX XXXX XXXX XXXX, XXXX Georgia XXXX ). This company was called and I spoke to a representative and they advised that the property was sold and have no records of me having any debt with their company because all that information would be with XXXX XXXX. 

I have tried effortlessly to talk with someone at Hunter & Warfield and to no avail has anyone responded, or has the company made an effort to correct this issue. I have also told them that my identity was stolen when my home was broken into and I placed fraud alerts on all my credit reports due to a lot of inquiries and several accounts open on my credit file. This situation with this company has tarnished my credit badly and they still not have responded after at least 12 letters sent to them. This is a clear case of Credit collection bullying!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
accounts reporting not mine need to be deleted and accounts with inaccurate balances, information, addresses and names and nobody help me to get corrected on 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 2022-12-10
Company: Experian Information Solutions Inc.
State: TX
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:
This company violated my rights per the Fair Credit Reporting Acts- 15 U.S.C . Secs. 16811681x., 15 U.S.C . Sec. 1601 et seq., XXXX. XXXX XXXX. XXXX, XXXX XXXX. XXXX. 

I have never conducted business with them. I am not liable for this debt with them and I do not have a contract with them at all. They did not even provide me with the original application like I requested several times ( 5 ) now. I did not give them written permission either to report this to any credit bureau or add to my credit report. All I ever received was a generic email stating that this account has been verified and I asked how? No response ever given due to it being a generic email that they send to all their customers. I even called on yesterday to get this item removed and was told it could not be removed after being on the phone with them for almost XXXX hours trying to reach a real person. I was transferred to almost every department in the company instead of the right one I requested, which was the fraud department. I think they use this tactic also just to get the consumer to just hang up and say forget it. This is not right at all to us because some of us are trying to buy a house, a car and even get a job that relies on you having good credit. The account and information is listed below. 

XXXX XXXX XXXX Original creditor : XXXX XXXX Balance details 0 % paid off Balance {$6200.00} Balance updated XX/XX/XXXX Original balance {$5200.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department

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 2022-12-10
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have attempted several times to get my mortgage modified with Rushmore Loan services XXXX XXXX XXXX, my loan number is XXXX, last name XXXX. I have also attempted several times to stop the foreclosure until my haf application results come in but they ignore all my requests. 

I advised them of damage to the home from XXXX XXXX and again, disregard my pleas and have continued with the foreclosure. 

Right now I have a pending Haf application and they still don't want to stop my pending foreclosure. My sale date is XX/XX/2023. 

Can someone please help me have them stop the foreclosure sale until Haf makes a decision and for them to then modify my loan? 

I have been trying for 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: MARINER FINANCE, LLC
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: Their investigation did not fix an error on your report

Complaint:
YOU ARE BREAKING THE LAW UNDER THE FEDERAL CREDIT REPORTING ACT! 
NOTICE TO AGENT IS NOTICE TO PRINCIPAL. NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 



To Whom It May Concern : I recently received a copy of my credit report, and I noticed an account on my consumer report that should not be on there. I demand the account be deleted from my consumer report. 
Mariner Finance {$2200.00} XXXX XXXXXXXX You are furnishing inaccurate and incorrect information on my consumer report. The reporting of such information has caused severe damage to my reputation, general mode of living and my ability to obtain credit for personal or household uses. You and your inaccurate reporting have damaged my livelihood. 



I have recently come across information from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

( Mariner Finance ) did not disclose this information to me that is required by federal law.

( Mariner Finance ) knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unaffiliated third parties.

( Mariner Finance ) knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. 

You are in violation of federal law you have 10 calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my Consumer reports that this information is on. LEGAL ACTION WILL BE TAKEN IF THE ACCOUNT IS NOT REMOVED AS MARINER FINANCE HAS BEEN PUT ON NOTICE FOR VIOLATING FEDERAL LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: ERC
State: MA
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 disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: ALLY FINANCIAL INC.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In the early morning hours of XX/XX/XXXX, I was awoken by my dogs because a towing company was trying to tow my XXXX XXXX XXXX  The entire situation caused a scene in the front of my home in the vicinity of several neighbors ' homes. In fact, law enforcement was called, and they told the towing service that they had to leave. I had never received any correspondence from Ally Financial informing me of the repossession. The tow service did not provide me with any information, either. This incident occurred on a Sunday, so the following Monday, XX/XX/XXXX, I called Ally Financial regarding the vehicle because I had missed payments ; however, I had previously attempted several times to contact them, and they would not give me any information. One agent did tell me that the vehicle had been charged off, but I never received any information to this effect from the company. That Monday, I was able to speak with a representative, XXXX ( employee identification # XXXX ). He offered me a settlement of {$14000.00}, and he stated that I would have to pay this amount off within 12 months. I was given an amount of {$1100.00} to pay monthly. After having to deal with such an embarrassing situation in front of my home less than 48 hours prior, I felt that I had no choice but to agree to the terms since I needed a vehicle. I have been paying the amount since XXXX of XXXX. When I asked Ally to send me a letter stating the amount of the settlement, I was told that they do not send letters to that effect. They did send me a letter with a totally different and higher amount than what was agreed upon. The amounts on the letter do not add up to the amount that I am paying. 
I later discovered that a charge-off was placed on my consumer report without my permission ( FCRA ) even though I am still paying on this vehicle. 
When I disputed Ally 's practices, I was sent a copy of the contract. In reviewing that contract, I realized that I do not have an agreement with Ally Financial. My contract is with XXXX XXXX XXXX! At this point, I don't even know how Ally Financial manipulated their way into this contract. By placing the charge-off on my consumer report, they are damaging my creditworthiness, and, despite my requests, they are refusing to clear up the consumer report. I feel that Ally Financial and XXXX XXXX XXXX have conspired to take advantage of me, and they continue to prey on me with the high car payments for a used vehicle. It is my belief that they have violated several of my consumer rights, especially my right to privacy.

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 2023-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello Dear, In XX/XX/2023 the capital one bank pull up my credit report without my permission. This is fraud! I do not authorize nobody else to give my own information to capital one bank. I would to ask to help to remove inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
It has been over 120 days since i have been trying to get TransUnion to address inaccurate information that i found on my credit report. My first letter was sent to them on XXXX and i simply asked them to verifity that the information on there was correct. They never verified the information or send me proof of verification, or even the method they used to verifiy the information. I've sent certified mail on XXXX as well as every 30 days inbetween XX/XX/XXXX and XX/XX/XXXX. I also reached out to some of the companies that were reporting the information prooving that TransUnion is reporting inaccurate information on my consumer credit report. To this day TransUnion has yet to send me any information regarding their investigation. The simply report " verofoed by consumer '' on my credit report. How is this legal? This defineitely does not follow Compliance Procedures when it comes to accuracy, communication or time of the investigation. They are knowingly and wilfully reporting false information which is causing me stress and hurting my abillity to get a promotion at my job. I know TransUnion has a huge responisibility when it comes to consumer reporting, but they have failed to do that with me. Either they are simply lying to me, or they just aren't doing their job according to the Fair Credit And Reporting Act. I need you to help me get them to remove this information becuase it has been reporting inaccurately for way too long.

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 2021-04-14
Company: EQUIFAX, 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 XX/XX/21 I sent letters to each bureau reporting my identity theft along with my police report and FTC report. I have not received a response yet I feel like I'm being ignored about my FTC complaint. Section 1681 ( c ) plainly states that failure to investigate these items within 5 days gives a reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by Equifax data breach.

Company response to consumer: Closed with explanation