BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-14
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-08
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: Personal information incorrect

Complaint:
On XX/XX/XXXXXXXX XXXX XXXX, I mailed a letter to Equifax, XXXX, and XXXX to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an update credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: WELLS FARGO & COMPANY
State: AL
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:
I applied for a credit card from wells Fargo with aXXXX credit score they discriminate against me by denying me credit with XXXX credit score .That along show improper use.

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 2023-11-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently received a copy of my credit report and I notice there is outdated and unauthorized information that needs to be deleted and removed. 
I am currently an XXXX XXXX XXXX XXXX XXXX. I have attached a letter from my case manager confirmed my XXXX XXXX. I did not authorize any of these inquiries. I ask that they be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed

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 2023-11-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent multiple letters to Experian regarding this matter. They have not verified the information and they are still reporting inaccurate information to 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 2023-04-08
Company: Experian Information Solutions 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:
XX/XX/ experian fixed a issue with my dispute unfortunately they did not re-add my XXXX  account to my boost and actually lowered my credit score which makes no sense at all. Why would showing that a bill is paid off lower my credit score? Also using there boost system should of raised my credit score

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 2023-09-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09
Company: Long & Foster Financial Services, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2023 : Re- Prosperity Home Mortgage , LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX Office : XXXX Mobile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arizona XXXX XXXX 

I asked for a soft pull pre-qual letter, they demanded I fill out a credit application. 
After which, they did a hard pull against my wishes, did not send a pre-qual letter. 

The property I was interested when into contract in the mean time ( broker/agent were super slow ). 
So I found a new real estate agent in the mean time ( prior agent was also a scam/ghost artist and referred me to Prosperity ), he wanted to see the pre-qual letter and loan approval contract details, lots of details, he was skeptical. 
Prosperity Mortgage sent him a pre-qual letter and a flimsy cover letter on company letter head. No loan docs, no terms, no nothing. 

Then, Prosperity stopped taking my calls. They would also not return my emails. I went to other lenders to have them look at my situation and showed them the two pieces of paper I got from them. They all laughed and said no way did I qualify for a mortgage of any type, my DTI was WAY too high, that I got scammed, and the loan app would have bounced at time of closing. They all said Prosperity has a habit of doing this and ghosting clients. 

I did more research and found same was true. See the link. 

XXXX XXXX XXXX XXXX XXXX XXXX I've made dozens of attempts to contact them. No reply. It as if the company does not exist. This company is obviously a scam doing bait-n-switch. 

I simply want my credit restored and the hard pulled removed. That's all I asked. They refused to even get back to me, they just ignored me. Now my credit is dinged, I can not get a home loan, No one wants to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: IA
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Hello, this is regarding a withdrawal on my California EDD credit card that I did not commit. Bank of America is refusing the credit back the money citing that the withdrawal is over 90 days old and that I did not file a police report. Their system shows this was a teller cash withdrawal with reference number XXXX. 

I only discovered this unauthorized withdrawal on XX/XX/XXXX when I received a new EDD card from Bank of America. I always have the existing EDD card with me all the time in my home and used it only once. This unauthorized withdrawal occurred on XX/XX/XXXX for {$9200.00}. 

I have spoke to Bank of America 3 times. On XXXX, XX/XX/XXXX and finally on XX/XX/XXXX. The claim number is 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 2023-04-06
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: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2023-04-10
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
On XX/XX/XXXX - I was approved for an Auto Loan with PenFed Credit Union for the purchase of a XXXX XXXX XXXX. The rate was 6.64 % @ 84 months. 

On XX/XX/XXXX, Due to an issue with the vehicle, I was unable to take delivery of the XXXX. I placed an order for another XXXX, and PenFed stated I needed to reapply for a new loan with the new VIN number for the vehicle. XXXX cashed the check for old loan by mistake ; which caused a delay in being able to apply for the new loan required for the new vehicle. XXXX sent a refund check to PenFed. 

On XX/XX/XXXX, PenFed received the refund check, and started processing the closure of this loan. 

On XX/XX/XXXX, the payment cleared and PenFed was able to process my new loan application. The application was approved ; however the rate for the new loan was 7.29 % @ 84 months. I accepted the new loan via email with the contingency that the rate would match the old loan rate of 6.64 %- which was issued a few weeks before. The loan officer confirmed that a rate match would be processed once the loan was funded. 

I have been following up for 3 weeks to confirm the rate match. I received notice today ( XX/XX/XXXX ) from PenFed that the rate match was denied. I need help in ensure that PenFed honors the original loan rate that I was approved for. 

I'm attaching an email thread with the loan officer that stated all this 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 2023-06-14
Company: EQUIFAX, INC.
State: GA
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:
Information about XXXX XXXXXXXX XXXX continues to appear on my credit report, however XXXX XXXX  XXXX have no information on me said account on their data base. I have tried to dispute it, but it continues to appear on the reports. The credit bureaus advise me to get in touch with XXXX XXXXXXXX XXXX and XXXX XXXX XXXXXXXX advise me to get in touch with them. I've been going in circles for months, to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I requested all 3 credit report bureaus to put a credit freeze on my credit report back in XXXX. My phone numbers have been on the DONOT CALL List since XXXX. I have been getting spam calls since XXXX. The past year, I have been politely conversing with these perpetrators to find out why they are refusing to oblige by the DONOT Call List and how they are getting my phone number and personal information. Several of these perpetrators told me they are getting it from XXXX and especially from Experian. Also, these spammers are 3rd party and when I would say, yes let me talk to an agent, they patch me directly to the company really selling the product. So, these legitimate companies : XXXX, XXXX XXXX Medicare Benefits XXXX etc are using a 3rd party to get people like me to talk to them. I contacted both Experian. I have 3 different PIN numbers from Experian, and they told me the pins are wrong. My password questions are incorrect according to them.. I contacted XXXX and they played the same game. They do not recognize my pin number from XXXX and my answers to their security questions were incorrect. ( I think I know my own security questions since i selected them ). Now XXXX billed me for {$29.00} for their Identity Theft. I never placed an order!

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 2023-06-26
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called XXXX XXXX XXXX for an explanation of the alleged debt of {$300.00}. They then said it was from a previous debt of {$890.00} that was already in collections. That they have a new policy since XX/XX/XXXX of 2023. For them to resubmit collections every 6 month if not paid.So they submitted an alleged amount of {$300.00} to a new collections agency CREDENCE RESOURCE MANAGEMENT , LLC. I asked if that ethical and legal which they told me yes. And they will continue to report every 6 month until the account is paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2023 I certified sent email to the company, California business Bureau address, XXXX XXXX XXXX, XXXX via California stealing that the account was not mine receive a mail back. The stadium at the account was mine and the amounts was lowered but I looked on my credit report. All dates were in correct I asked the company because they told me it was verified to send a copy of my signature and the date that the account was open they could not provide me with that information

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Both XXXX and Equifax have incorrectly lowered my credit score from XXXX in late XXXX to XXXX during XXXX of XXXX because XXXX XXXX  incorrectly reported to them that I had a delinquent overdue fee on my credit card with XXXX XXXX. 

But that is all incorrect! As XXXX XXXX  can testify, there was NEVER a delinquent nor overdue charge EVER on my credit card with XXXX XXXX! As documented in XXXX case number XXXX of my account number XXXX it was always XXXX XXXX XXXX mistake to report that incorrect information to XXXX and Equifax, and there was never a delinquent nor overdue. 

XXXX XXXX  has fixed the mistake, but XXXX and Equifax continue to report my credit score as XXXX when it should have never been lowered below the XXXX level that it was in early XX/XX/XXXX. 

So XXXX and Equifax should return my credit score to near XXXX, because there have been NO LEGITIMATE COMPLAINTS against my credit since it was XXXX in late XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: General Motors Financial Company, 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: Reporting company used your report improperly

Complaint:
Create In accordance with the fair credit Repo act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have right to privacy.

15 USC 1681 Section 604 A Section 2 : also states a consumer reporting agency c furnish a account without my written instructions.

15 USC 1666B : A creditor may not trec payment on a credit card account und open end consumer credit plan as late purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: SANTANDER HOLDINGS USA, INC.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
keep receiving harassing calls threats insults from creditor, per the fair credit reporting act i never share or gave anyone authorization to share my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


OPEN : Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.

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 2023-04-14
Company: Westlake Services, LLC
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was told by the original lien holder that my account was almost paid off. The last receipt that I have in my possession shows a remaining balance of a little over {$1000.00}. Upon speaking to the collection agency, West Lake Financial, I was quoted a price in excess of {$6000.00}. I've had this vehicle for 4 years, so that amount is surely inaccurate.

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 2023-04-14
Company: Security Credit Services, LLC
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX SecurityCred XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructions

Company response to consumer: Closed with explanation