BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-13
Company: Earnest Inc.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
The amount of harassment and threats that XXXX has caused not only for me, but my immediate family, and family members I didnt even know existed is unbearable. Every single day they call threatening me and harassing me with no regard. 

I will never talk to this so called company again. Theyre a joke and provide no solution to help. 

Ive received no less than 1,000+ calls from this company, along with my family over the last 3 months. Im trying to make a living and need them to leave me and especially my family the XXXX alone. 

Every time they call any of my family, itll just be one more week that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Credit Karma, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I am applying for a credit card through Credit Karma, according to the website they said I have a high possibility of approval or 100 % or something like that and I got denied that affect my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX reposed the XXXX XXXX XXXX that I purchased almost 8 years ago. XXXX sold the car for XXXX buck when it was worth at least {$5500.00}! I cant buy another car because this continues to show up on my credit after 7 years. I've disputed this multiple times on all 3 bureaus and they basically told me its 7 years from when I defaulted not 7 years from when it was opened. I also let them know that the dollar amount was wrong and to no avail. I'm tired of a 7 year problem keeping me from buying a new car. I'm a XXXX XXXX XXXX Veteran and this is not fair

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 2022-09-13
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: Their investigation did not fix an error on your report

Complaint:
ON XX/XX/22 I HAVE HAD NUMEROUS COMPLAINTS ABOUT EXPERIAN AND THIS TIME I HAD TO CALL NUMEROUS TIMES TO REMOVE 8 EXPIRED HARD INQUIRIES AND TO REPLACE THE LOST POINTS ON MY CREDIT SCORE. THEY FINALLY REMOVED THE EXPIRED INQUIRIES BUT REFUSE TO GIVE ME BACK THE POINTS THET TOOK AWAY FROM THOSE INQUIRIES. THE OTHER 2 CREDIT REPORTING AGENCIES XXXX AND XXXX UPDATED MY ACCOUNT WITHOUT ME EVEN CALLING THEM. WHEN I TRIED FOR THEM TO EXPLAIN WHY THEY DID NOT UPDATE MY CREDIT SCORE THEY GAVE FALSE REASONS FOR NOT DOING SO. THIS HAPPEN A FEW TIMES WITH THEM. I WORKED SO HARD TO RAISE MY SCORE FROM XXXX 5 YEARS AGO TO HIGH 700 'S AND THIS COMPANY ALWAYS HAS MADE IT SO DIFFICULT TO HAVE MY CREDIT SCORE TO WHERE IT SHOULD BE. I WOULD LIKE TO FILE A CIVIL SUIT FOR {$100000.00} FOR THIS VIOLATION.WHY ARE THEY ABOVE THE LAW?

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 2016-07-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 2020-04-07
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX reposed the XXXX XXXX XXXX that I purchased almost 8 years ago. XXXX sold the car for XXXX buck when it was worth at least {$5500.00}! I cant buy another car because this continues to show up on my credit after 7 years. I've disputed this multiple times on all 3 bureaus and they basically told me its 7 years from when I defaulted not 7 years from when it was opened. I also let them know that the dollar amount was wrong and to no avail. I'm tired of a 7 year problem keeping me from buying a new car. I'm a XXXX XXXX   XXXX Veteran and this is not fair

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
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: Investigation took more than 30 days

Complaint:
XXXX XXXX reposed the XXXX  XXXX XXXX that I purchased almost 8 years ago. XXXX sold the car for XXXX buck when it was worth at least {$5500.00}! I cant buy another car because this continues to show up on my credit after 7 years. I've disputed this multiple times on all 3 bureaus and they basically told me its 7 years from when I defaulted not 7 years from when it was opened. I also let them know that the dollar amount was wrong and to no avail. I'm tired of a 7 year problem keeping me from buying a new car. I'm a XXXX XXXX   XXXX Veteran and this is not fair

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 2021-11-12
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX - Date of inquiry XX/XX/XXXX ; XXXX - Date of inquiry XX/XX/XXXX ; XXXX - Date of inquiry XX/XX/XXXX ; XXXX - Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2016-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I received a written letter from XXXX XXXX XXXX , XXXX regarding an account with XXXX XXXX XXXX XXXX. The written letter offered the option to call XXXX XXXX XXXX , XXXX which would allow me to pay my account in full. On XXXX XXXX, 2016, I paid {$500.00} on the phone on which was withdrawn from my bank account ( please see attached bank statement ). I was told I would receive a letter confirming payment in full within 5 days. I have not received the letter confirming payment and the account is still reporting on my Transunion Credit Report as OPEN and UNPAID ( please see attached Credit Report excerpt ).

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 2016-09-22
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I had another dispute in the past about Equifax and some of the accounts that were being reported, In addition to what has already been disputed I have information to add to the dispute including : XXXX needs thorough investigated, they are reporting to my credit reports under multiple names with different amounts and account numbers for the same account. They have listed as XXXX, XXXX, XXXX, and also go by the names XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX all under the parent company " the XXXX XXXX '' when something is removed, as it has been on my reports, it is transferred to another of their " companies '' to get it back on the reports it seems. XXXX XXXX and a XXXX account are reporting on my reports and XXXX and XXXX XXXX are reporting these same accounts as collections so some of my reports are showing XXXX negative items for XXXX account. To my knowledge this should not be the case. I attempted to contact the XXXX office in XXXX AL ( original creditor ) by mail about the account they have listed on some of my reports and offered payment in an effort to clear this matter up and I did not get a response from them. XXXX XXXX, CRA, and XXXX finance as stated before are all reporting the same accounts under different names. Can they do this? I contacted XXXX XXXX to try to sort the matter out and requested them to send me something by mail showing the terms of a payment arrangement and they refused to do so multiple times until after I talked to XXXX different people from XXXX " companies '' XXXX funding which told me they could n't negotiate a settlement with me and transferred me to XXXX XXXX XXXX XXXX in which agreed to a settlement amount and after telling them I could n't pay that day finally agreed to send me the agreement in the mail for a lower settlement amount but added in the letter that a negative report to a credit bureau may be added if I did not pay it, a day later I received another letter from them wanting the full amount. I told them I did not admit ownership of the account I just wanted the matter cleared up and off my reports. These accounts have made a mess of my reports due to multiple listings of the same account with just enough changed to look like different accounts etc. I went as far as requesting the help of a credit repair company but they did n't dispute on the proper grounds I believe. I need all XXXX of my reports investigated for these issues and they should be removed especially if the original creditor will not accept payment on the account or even reply to my inquiry about the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: Bullet Recovery, LLC.
State: KS
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To whom it may concern. I have been trying to contact a collection agency by the named of Bullet Recovery to work out an affordable payment plan because theyve been taking large amounts from my paycheck since XX/XX/XXXX. Every two weeks they take approximately XXXX or XXXX a month. I cant afford this and Ive tried to contact them by leaving messages but no one will call me back. I went to a garnishment hearing and the judge told me to dispute this matter with them directly. In XXXX I went into the office and spoke with a worker whom I showed all the bills Ive occurred since the garnishment that I cant pay down because of this. She told me they would call me back but never did. Ive left messages including my number and they will not respond. I informed this company that I have children that need to eat and I can barely provide food. My rent is XXXX dollars so after the garnishment Im barely left with anything and have to decide if I can buy food with the remaining money or pay on a utility bill. The garnishment happened prior to XXXX and I was unable to get my kids gifts or make a XXXX dinner. Im behind on all by bills due to an extra XXXX being taken away every month. That amount is too high and close to my rent. Its like Im paying for another home. Ive told this company Im willing to make affordable monthly payments but I can not afford what they are taking. In XXXX, I was no longer working for the company Im employed at and the garnishment was to be released but they did not release it. When I started back work they were to resend the debit information and send new forms notifying me of a potential garnishment but they did not and went right into garnishing me. This is illegal and unfair business practices. Especially seeing Ive called to work out another arrangement. Most agency will work with you to resolve a debit if its creating a hardship. Im unsure why no one will call me back and the office is blatantly ignoring me when I truly cant afford this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX, VA XXXX < -- ( WRONG ADDRESS ) XXXX XXXX XXXX XXXX XXXX, VA XXXX < -- ( WRONG ADDRESS ). ( XXXX ) XXXX ( XXXX ) XXXX < -- ( WRONG PHONE NUMBER ). XXXX XXXX XXXX WRONG NAME ). XXXX XXXX XXXX XXXX Closed. {$9600.00} written off. 
XX/XX/XXXX. 
XXXX XXXX XXXX Account charged off. {$3900.00} written off. 
XX/XX/XXXX < -- - Remove all above FCRA violation, how is this verified? Inaccuracies placed on my report. FTC violation. They are also in violation of over the 45 days to settle the FTC violation by law. XXXX XXXX XXXX XXXX XXXX {$19000.00} XX/XX/XXXX < -- FCRA violation. How is this verified? Not Late. Inaccuracies placed on my report.I will enclose in my attached documents, with wrong names, addresses on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently closed my XXXX XXXX XXXX account, after which XXXX XXXX XXXX requested a credit report without my authorization ( for reasons unknown to me ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: WELLS FARGO & COMPANY
State: ME
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We submitted request to be reviewed for repayment plan on XXXX/XXXX/2015 and supplied additional information on XXXX/XXXX/2015 and again opun request on XXXX/XXXX/2015 at that point package was complete and under review. Then on XXXX/XXXX/2015 I was served a foreclosure summons and complaint while I was under review for repayment plan and had not received a decision yet on that. I was under the understanding that my review would be complete first before they proceeded with the foreclosure. It appears they were dual tracking my case.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have logged a dispute against a charge I did not do. Where they returned it was " accurate '' month and a half later. However supplied no investigation results, I can not login to my account or reset it ( been like this ever since I called in my dispute ). Where now there phone system just hangs up as well. Where I can not view any details or input additional comments. 

I 100 % know this charge was not me, and this investigation was mishandled or not done. I have had one, where they thought it was me. Just because they returned paper work. Where when I read it myself, did not have my name at all in the original charge. 

Complaint is about TransUnion not handling dispute investigation correctly, and making it near impossible for me to communicate to them for any input. As well as not providing the investigation results to accessible to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan with Wells Fago was paid off on XX/XX/2016 loan # XXXX. I refinanced my FHA loan. Both the title company and Wells Fargo confirmed I would receive my current escrow balance of {$1700.00} in a check. I called WF to follow up on XX/XX/2016 as to when I would receive this check discovering the check amout was differnet from above. {$150.00} has held from the check amout in escrow to pay another month of Mortgage Insurance making the check amount {$1500.00}. 
{$450.00} was already collected on my Mortgage Insurance Payoff Statement ( 3 months- see attached ) I feel that I am owed the {$150.00} in escrow and I do not owe another month. 
Seems to me I am being charged a Pre-Payment Pentalty

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 2020-04-07
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:
Experian is reporting a Collection account on my report in the amount of {$1600.00} which was paid in full to the original creditor in XXXX. I have asked them to correct this information on my credit report but they have failed to do so. The request to correct the information was made on XX/XX/XXXX and XX/XX/XXXX Details of the information are : Collection Agency : XXXX XXXX XXXX / Acct # XXXX Date opened : XX/XX/XXXX Original Creditor : XXXX XXXX Status : Collection account {$1600.00} past due as of XX/XX/XXXX 2019

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 2020-02-28
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the equifax data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.

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 2022-10-20
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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