BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: NC
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:
On XX/XX/2022, I submitted a letter to Experian stating they are in violation of reporting unauthorized accounts on my credit report. I requested for these medical bills to be removed from credit report based on the No Surprises Act and 15 USC 1681a ( 3 ) ( a ) ( b ) ( c ) -shall not be any medical bill or information reported on a consumer report. 

On XX/XX/2022, Experian email me the results which contain a few XXXX XXXX and other unauthorized accounts that I notice on my consumer report that I have given Experian any written consent to place any accounts on my report. 

On XX/XX/2022, I wrote Experian another letter requesting fro Experian to delete all the accounts listed in the letter based on the fact I have given Experian the consent to add the accounts to my consumer report. This is based on Federal Law 15 usc 1681b- permissble purpose and 15 usc 1681b ( a ) ( 2 ) - Nothing can be furnished on my consumer report without my written consent.

Experian LLC has broken Federal Law by furnishing unauthorized accounts without my wriiten instructions. Experian also broke federal law when they furnish medical collection as well in which is invasion of my right for privacy,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Unauthorized XXXX transfers XXXX done back to back, I dont think I ever was told by Wells Fargo that I even have a XXXX account the scammer got access to my computer and mislead me on the cell phone to give codes Wells Fargo said after looking at this no recourse or refund would be issued. Im quite concerned Im on a fixed social security income. The amount taken was XXXX, XXXX, XXXX, and XXXX all to a persons name I do not know.

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 2017-08-31
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
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 obtained my annual credit report XXXX/XXXX/XXXX. Upon reviewing I noticed I have XXXX inquiries that are affecting my score. I have been car shopping for the past few years but never would have thought this information would have been shared with whomever they wanted ... ... ... I will list these below. I first called XXXX today XXXX/XXXX/XXXX who gave me the protocol to request to have these inquiries removed. I then attempted to call the next group of creditors that had access some how to my report, XXXX-store cards?? I called and spoke with a rep who failed to tell me I was speaking with the fraud department. After speaking with her I explained why I was calling. All I requested per XXXX was an inquiry deletion letter. She proceeded to repeat to me all she could do is file an investigation for identity theft, that is the only way for these inquiries to be removed. She stated I would need to contact the credit bureau for further information as that is all that they could do. I then asked her if she could give me a date as to how long this would affect me and all she kept repeating was sorry we do not have a time frame to again call the credit bureau. I then again called XXXX and this time spoke with a supervisor and he repeated the same protocol. I explained I am aware but what am I suppose to do now ... ... .he stated to obtain a police report for proof they could not give me the inquiry deletion letter and submit this to them to then be reviewed to see what they could do???? I believe this is unnecessary as I am trying to buy a house and I can not even get the first group of inquiries deletion process started as no one neither the company nor the credit bureau can help me!!!!! How can any of which hold my information but not assist me? PLEASE HELP! XXXX XXXX XXXX? 
XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX Svs XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Co XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX bank 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 bank XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX bank XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO Dual Card XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 had a loan with XXXX XXXX acct # XXXX in XXXX of XXXX  i caught XXXX, i was in XXXX  for XXXX months before comming home. i was home for another XXXX months. trying to recover. i didnt return to work till XXXX of XXXX i always made company aware of situation.i made arrangements for settlement on account ahich they agreed.but they reported negative marks on my report. according to cares actsigned XX/XX/2020. if furnisher makes accomdation because you were affected by covid 19 during covered period. that lender must report account as current to credit reporting agency, clearly this was not 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 non-monetary relief
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: VA
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:
My Experian Credit Report XXXX XXXX XXXX  reported me as deceased since XXXX 2022. I AM NOT DECEASED. I have disputed this with the credit bureau and it is still NOT fixed. My ex husband is deceased. This is affecting me tremendously because I have no credit score and when I do get checked for employment I am coming back as deceased.

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 2021-04-15
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:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage is with Wells Fargo Mortgage and I had chosen to the property tax deferred program for my yearly property taxes. This is the 3rd year in a row that I have done a tax deferred program since I am XXXX years old. 
On XX/XX/2018 I received a letter from The Dallas Central Appraisal District stating that they had received and processed our Tax Deferral Affidavit and it had been approved. On XX/XX/2018 I sent a letter to Wells Fargo Mortgage along with a copy of the letter I had received stating that I had been Tax Deferred. On XX/XX/2018 I received a letter from Wells Fargo saying that they were going to pay my taxes, this is after I had sent them a copy of the letter from The Dallas Central Appraisal District. I continued to receive letters from Wells Fargo Mortgage demanding that I pay the taxes and I continued sending them letters stating that I had been approved for Tax Deferral. I also tried calling them and spoke numerous times to many different people that I kept getting referred to speak to by whomever I was speaking to originally. These people were supposed to have been resolution specialists for Wells Fargo and they were totally worthless! I noted 5 different specialists whom I spoke to, XXXX XXXX, XXXX ( don't have his last name ), XXXX XXXX, XXXX XXXX, and the fifth one was XXXX XXXX. All of them said they would look into my problem and call me back and not one of them ever returned my call. 
Their letter said that they had paid my taxes for me and wanted me to pay this back to them when I NEVER agreed to doing this nor would I have agreed to it being that I had been legally tax deferred and had a letter to prove it. Wait until you hear this!! They wanted me to put into my escrow account to pay this back the amount of {$12000.00}, and if I had paid my property taxes it would have been {$7100.00} so they were going to make off of me an additional amount of {$5100.00}. So in other words they wanted to increase my monthly mortgage payment from {$1900.00} to {$2500.00} starting XX/XX/2018, that is absolutely robbery and not legal to do! I have always paid my mortgage on time and been a good tax paying citizen all my life. I started and own XXXX XXXX XXXX and have owned it now for 50 years and I believe I am in the top 5 one owner XXXX  companies in the state of Texas and possible even the southwest. I have been a member of the XXXX  for over 16 years with an A+ rating, I do not deserve to be treated in such a disrespectful manner, I am no XXXX! In doing research online about Wells Fargo I could not believe they are already are being fined a XXXX dollars in lawsuits, what does that tell you?! I want to complain to the Federal Regulator but was told to complain to your company first.

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 2021-02-11
Company: EQUIFAX, INC.
State: VA
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:
My Equifax Credit Score is 70 points lower than XXXX and 69 points lower than XXXX because there is a notation in the credit score that I declared bankruptcy which is not true. I have never ever declared bankruptcy. This has been on ongoing issue for years and they refuse to correct it. Every time I call, the service reps claim they can not find that notation. It isn't reflected on my credit report with my account history but I tell them that the comment shows up in the credit score section. Consequently, my only recourse over the years is for my husband to apply for credit by himself. I want it fixed. I recently found out about your organization over another issue. I was hoping you can do something.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Self Financial Inc.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Hello, I am requesting that the 30 day lates reporting as of XX/XX/2020 to XX/XX/2020. 
My finical world was turned up side down when COVID-19 hit. I was not informed that my payments were late and payed them as soon as I could.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
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 obtained my annual credit report XX/XX/XXXX. Upon reviewing I noticed I have 30+ inquiries that are affecting my score. I have been car shopping for the past few years but never would have thought this information would have been shared with whomever they wanted ... ... ... I will list these below. I first called XXXX today XX/XX/XXXX who gave me the protocol to request to have these inquiries removed. I then attempted to call the next group of creditors that had access some how to my report, XXXX-store cards?? I called and spoke with a rep who failed to tell me I was speaking with the fraud department. After speaking with her I explained why I was calling. All I requested per XXXX was an inquiry deletion letter. She proceeded to repeat to me all she could do is file an investigation for identity theft, that is the only way for these inquiries to be removed. She stated I would need to contact the credit bureau for further information as that is all that they could do. I then asked her if she could give me a date as to how long this would affect me and all she kept repeating was sorry we do not have a time frame to again call the credit bureau. I then again called XXXX and this time spoke with a supervisor and he repeated the same protocol. I explained I am aware but what am I suppose to do now ... ... .he stated to obtain a police report for proof they could not give me the inquiry deletion letter and submit this to them to then be reviewed to see what they could do???? I believe this is unnecessary as I am trying to buy a house and I can not even get the first group of inquiries deletion process started as no one neither the company nor the credit bureau can help me!!!!! How can any of which hold my information but not assist me? PLEASE HELP! _____________________________________________ Auto Dealers? 
XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX _____________________________________________ XXXX XXXX   XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX   XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX   XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602A. States have the rights to privacy 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-07-20
Company: Credit Karma, LLC
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX I try to create a Credit Karma account to track my credit score. I realize I'm unable to create an account because someone else has already created one first using my name, ssn, bdate. I didn't receive the follow up email so I try it again in XX/XX/2022. 
XXXX XXXX I reach out to Credit Karma to inform them again that someone used my name, ssn, beaten without authorization. Credit Karma rep told me they take security seriously and that I can send in documentation to verify my identity. The account was opened under email address ( XXXX ) and this user did nor have to send in documentation in order to use my identity. Closing the account was their remedy to this issue. Credit Karma allowed an ex who was convicted of trying to kill me to have access to my personal information also endangering my personal safety. I'll have to make a police report because my info was not kept safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
ProCollect DID NOT and NEVER informed me that I owed a debt or that I had a right to dispute the debt. I contacted ProCollect on XXXX, 2017 and paid them {$1800.00} ( which include a fee that they charged ). Yesterday on XXXX/2017 I checked my credit report and ProCollect has reported an open collection account and caused my score to drop XXXX points! When I contacted them today the person who took my call initially was very rude and condescending telling me that I " should have paid the debt in the first place. '' Then I spoke with " XXXX '' who admittedly stated that he had never tried to get in touch with me prior to me calling him and paying the {$1800.00}.

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 explanation
Consumer complaint received 2021-09-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Credit Bureau fails to provide method of verification. On ( XX/XX/XXXX ) I requested an investigation because I felt the item is not being reported legally according to the fcra. I sent a letter of verification on XX/XX/XXXX. Credit Bureau continues to update with consumer disagrees without addressing the request at hand.

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 2017-08-31
Company: WELLS FARGO & COMPANY
State: PA
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 obtained my annual credit report XXXX Upon reviewing I noticed I have XXXX XXXXnquiries that are affecting my score. I have been car shopping for the past few years but never would have thought this information would have been shared with whomever they wanted ... ... ... I will list these below. I first called XXXX today XXXX who gave me the protocol to request to have these inquiries removed. I then attempted to call the next group of creditors that had access some how to my report, XXXX-store cards?? I called and spoke with a rep who failed to tell me I was speaking with the fraud department. After speaking with her I explained why I was calling. All I requested per XXXX was an inquiry deletion letter. She proceeded to repeat to me all she could do is file an investigation for identity theft, that is the only way for these inquiries to be removed. She stated I would need to contact the credit bureau for further information as that is all that they could do. I then asked her if she could give me a date as to how long this would affect me and all she kept repeating was sorry we do not have a time frame to again call the credit bureau. I then again called XXXX and this time spoke with a supervisor and he repeated the same protocol. I explained I am aware but what am I suppose to do now ... ... .he stated to obtain a police report for proof they could not give me the inquiry deletion letter and submit this to them to then be reviewed to see what they could do???? I believe this is unnecessary as I am trying to buy a house and I can not even get the first group of inquiries deletion process started as no one neither the company nor the credit bureau can help me!!!!! How can any of which hold my information but not assist me? PLEASE HELP! XXXX Auto Dealers? 
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 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 explanation
Consumer complaint received 2017-04-11
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Just recently my loans were put on " extended '' repayment plans. They just arbitrarily changed without my consent or approval to a 30 year payment plan! Ridiculous especially with the 9 % loan! I would have paid it 3 times over! I have called and complained twice now. I had to force their hand about not having anything authorized by me to change my payment plan and to put me back on standard payments.

Company response to consumer: Closed with explanation