BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-26
Company: Experian Information Solutions Inc.
State: MI
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 have a chapter XXXX bankruptcy which was XXXX on XXXX but reported on all three credit bureaus. I received a letter from the United States Bankruptcy XXXX explaining that they do not report bankruptcies to credit bureaus. I also have obtained a letter from XXXX XXXX verifying my security freeze.

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 2022-07-07
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a letter from Credit Collection Services dated XX/XX/2022 about an alleged debt, but they added it to my credit reports without giving me the opportunity to request validation of this alleged debt. I sent a letter dated XX/XX/2022, but they ignored it but continue to report this alleged account on my reports. 
I demand that they close this alleged account and delete it off my credit reports

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
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: Account status incorrect

Complaint:
On XX/XX/XXXX, XXXX XXXX XXXX agreed to delete the tradeline with the credit bureau. As of XX/XX/XXXX, this has not been removed from my Equifax and XXXX  credit reports. I have attached the response received from XXXX when I filed a compliant in XXXX. Please complete the request of removing this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XXXX XXXX. 
A Hard Inquiry Was Done Through XXXX, About A Walmart Credit Card That Was Applied For In My Name. I Have A Card Already With Walmart. 
XXXX Notified Me Through A Phone Call. I Told Them I Did Not Make This Request, They Cancel The Application In My Name, Was Told To Do A Fraud Complaint With Your Company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-26
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Greetings, My name is XXXX XXXX XXXX. I am a USA citizen, who operates a day care center on New York XXXX. I have been open since the pandemic started working and saving during this pandemics hard times. On XX/XX/2022 I was charged {$30000.00} dollars via a ACH transfer from a unknown merchant. I am lost in words and destroyed inside my savings and money to be a home owner is gone. I have filed a dispute with the Wells Fargo bank XX/XX/2022. I also want the help of the CFPB to assist my claim and help me recover the funds that was unauthorized from my account. I have never gave or allowed merchant to charge my account. I work hard everyday to help kids and parents during this pandemic .Then a merchant steals {$30000.00} dollars from my checking account. I want and need this money back in my account as it was indeed unauthorized. I cant run my business without it. This pandemic has increased percentage of fraud and I was a victim. I ask for help recovering my money I believe this America and in our constitution.

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 2022-07-07
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was stolen and someone used it to get an apartment they got evicted and I found out about the collections on my credit years later. 

I took several steps to get the account removed and disputed, IQ data international made the process so much harder. The callers were rude and unprofessional and werent the least bit helpful. 

They use unethical tactics to contact you and attempt collections. I could understand if I owed the amount. But my identity was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have paid my debt off to XXXX separate Capital One accounts and Capital One refuses to remove this debt account from all three bureaus. I have tried to resolve this on my own by explaining to Capital One that I fell on hard times but this is not a reflection of who I truly am this is why I paid my debt. Capital One continues to reach out to me and send me advertisements about pre approvals when I have asked for them not contact me any further, I no longer want them to contact me and I have declined every offer from Capital One. At this point Im feeling harassed and taunted. These accounts were removed from my XXXX report but not from XXXX and XXXX and I do not understand why.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I looked on my credit report and discovered some fraudulently inquires on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07
Company: Experian Information Solutions 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:
This complaint to XXXX was the result of their non-compliance to my request and frothier refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized.

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 2022-02-26
Company: Experian Information Solutions Inc.
State: CA
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 XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX Account # 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 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 2022-02-26
Company: EQUIFAX, INC.
State: VA
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:
Send a personal information update letter to all 3 bureaus on XX/XX/2022. Haven't received nothing back from Equifax and XXXX as of yet. But received a letter back stating that this is not me the letter is attached for prove also send a copy of State ID and Utility bill showing proof of address. They are stalling me out and not trying to update my information even with the State ID and Utility bill showing proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
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:
Experian : I received your updated credit report enclosed is factual dispute on your credit report that you are reporting { 1 XXXX XXXX XXXX XXXX late payment that is false the vehicle was traded in and I purchased another vehicle through XXXX Please remove the late payments I know thing were slow due to covid } { 2 } XXXX  incomplete account number re aged date, can not post a past due on account } { 3 } XXXX XXXX XXXX  incomplete account number, re aged account reporting past due } { 4 } these inquires enclosed I did not authorizes these inquires } these are factual statements you are reporting on my credit report and they are violations of the FCRA I request that the CFPB handle this dispute

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 2018-02-08
Company: EQUIFAX, INC.
State: MO
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 send several letters and several complaints my next letter will be to my state attorney generals office and then court. Equifax is reporting outdated information on my credit report in which i have even called and asked for them to remove and they still have refused in which these things are damaging my credit score. This is very stressful for me as it has made me denied for many things which is unacceptable. I know there are several people with the name XXXX XXXX in my area over 1,000 and i demand that Equifax comply. i have not send a dispute i am demanding for a compliance check and asked if they cant perform that i have then asked for permanent removal of the following : 1.XXXX  XXXX 2XXXX XXXX 3.XXXX XXXX 4.XXXX XXXX 5.XXXX XXXX 6.XXXX XXXX 7. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-26
Company: Santander Consumer USA Holdings 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: Information belongs to someone else

Complaint:
Companys refuse to remove from credit reports sent multiple reports XX/XX/2020, XX/XX/2020, XX/XX/2020 all with attached police report letting them know this account is not mine and was open due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE FOLLOWING IS REPORTING IN ERROR. I HAVE CALLED ALL COMPANIES AND THEY HAVE SENT BUREAUS AUTHORIZATION TO DELETE. XXXX  HAS DELETED. TRANSUNION NEEDS TO DELETE. 

XXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX Home Furnishing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Miscellaneous and public record Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX Finance, personal Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXXXXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX 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 2022-07-07
Company: Experian Information Solutions Inc.
State: NY
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:
Experian has violated my 15 USC 1681 ( a ) ( 1 ) 15 USC 1681 ( a ) ( 2 ) 15 USC 1681 ( a ) ( 3 ) 15 USC 1681 ( a ) ( 4 ) - The right to privacy 15 U.S. Code 1681b - Permissible purposes of consumer reports for continuing to report information on my consumer report without verifying the accuracy and completeness of the information first.

15 U.S. Code 1681i ( a ) ( 1 ) ( A ) for not deleting the items in dispute in 30 days when Experian clearly can not verify any of the information, 15 U.S. Code 1681i ( a ) ( 6 ) ( A ), for not notifying me of the result of the investigation, 15 U.S. Code 1681c2 for not deleting items resulted from identity theft in 4 days, I even sent an identity theft report for it

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 2017-01-22
Company: WELLS FARGO & COMPANY
State: OR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have XXXX student loans adding up to over {$62000.00} with Wells Fargo Bank. My mother consigned one of the loans and almost 3 years ago I had called the bank to ask how to remove her as my cosigner so to ease my overall student debt through consolidation. The representative told me that I would need to make three years of {$650.00} monthly payments to have my mother removed as my cosigner. I continued making payment for 12 more months before I fell into strapped financial times, so I called the bank and recieved permission for a two month forbearance from the bank. I found out shortly after making another 12 month payment after that forbearance that the clock was reset on my loan payments so I would need to make another 2 years of consistent monthly payments. It seemed like this was misleading that I was not told that if at any time I chose to go into forbearance that my payment timeline to remove my mother as a cosigner for XXXX of XXXX loans would be reset. 
Wells Fargo Bank does not offer any other alternative for me to ease the burden of my student loan payments as the option I always receive from representatives are : 1. ) can you consolidate ( I can not do this option because that would require a cosigner- the only person of which is my mother who can not be used as a cosigner until she is removed from original loan ), 2. ) go into forbearance ( I can only do this option for 2 months effectively upping my interest balance while resetting the clock on the time it would take to remove my mother from original loan ), 3. ) cosigner would need to me payment if I could not. 
Having only 3 none useable options to ease such a large debt with such a high monthly balance is wrong and something should be 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 explanation
Consumer complaint received 2017-04-04
Company: Creditors Bureau Associates
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XX/XX/2016 I noticed a collection account on all XXXX of my credit reports, so I initiated a dispute knowing it was not mine. XXXX and XXXX corrected the mistake, but it was still on XXXX. I then call the collection company CBA of XXXX. I requested documentation including copy of Signature, ID 's, Social security card to show they had legal right to collect. I also requested documentation showing they had the right to collect for the company that intiated the account. I also requested proof of their license and bond to even collect in the state of GA. They put me to management and I was assured that they would email the requested documents to me as soon as possible. A couple days went by with no email so I called back and then was told they were getting this information and documents from the 1st party and would forward it to me. I have yet to receive anything proving they have right to collect and I know its imposssible for them to have anything with my signature or ID. Please remove this from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: Caliber Home Loans, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have zero missed payments in the lifetime of my loan, I have no liens on my home, my LTV was at 80 % as of XX/XX/XXXX. 

When asked how to remove PMI, my loan servicer sent me a form in XXXX which precluded me from asking to remove PMI based upon the original value of my property - instead, they forced me to choose to request PMI removal based upon the current value of the property. This second option has criteria which are much more difficult to satisfy and my request was denied based upon those criteria. 

To request removal based upon the original value of the home is what is described in the Homeowners Protection Act and I have no way of choosing that option with my servicer. 

I am unable to reach or be transferred to the PMI department at my loan servicer, and despite having sent them a written request for PMI removal which they received XX/XX/XXXX - it wasn't until XX/XX/XXXX that they addressed the removal request and informed me that I was denied because they won't verify the value of my home without an accurate listing of recent structural improvements ( I paid them {$150.00} for a BPO appraisal which they now refuse to do without that listing ). They falsely claim that they contacted me and I did not reach back out. They are out of compliance with their own timelines for responding to a PMI removal request per the HPA, XXXX XXXX, and their own assertions in the PMI removal form they sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We were notified by letter XXXX XXXX, XXXX that we were owed {$940.00}, a XXXX Escrow Ck - and that a check had been issued to us but not cashed. It stated we needed to respond no later than XXXX XXXX. My husband called XXXX, they said we would have in 20 days. 
Never received, called again XXXX/XXXX/XXXX. Never received. 
We received a certified letter dated XXXX/XXXX/XXXX. I called XXXX, was told we would have check in 7-10 business days. Never received, called again XXXX, was told the check should have been returned and that he sees no notation on acct. since XXXX. I am told to call back after XXXX so they can investigate and then get the check expedited. 
On XXXX I called and was told they would look into it. ( by supervisor XXXX XXXX. ) Never heard back..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
This is my second time trying to fix a error on my credit report. Experian has a account on my credit report 3 times same account numbers also account XXXX account number XXXX. That is a violation of FCRA please help me fix is error. Enclose is proof.

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 2021-04-19
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear CFPB member, I been impacted with covid -19 and I need 3 months more months to restart my mortgage payment, I have no intention of losing home to forclosure.. My mortgage company PHH serviced through XXXX XXXX  phone # XXXX XXXX XXXX has not reached to me to make a resolution to assist me - I have left messages for my account manager in PHH, instead of calling me, i received importance notice forclosure which is attached with my information and they assigned to a forclosure attorney XXXX XXXX XXXX XXXX XXXX without assisting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation