BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-08
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: Information belongs to someone else

Complaint:
To whom it may concern, I was looking my credit score on XX/XX/XXXX and noticed a few things were inaccurate and never authorized by me. The following hard inquires I never gave anyone authorization to run my credit. It is to my understanding to the car dealership did it without my approval or knowledge. All I know is I have no knowledge of the following and want it removed from my report. I am asking for the following items to be removed off my credit report on equifax and any other credit reporting agency company showing this fraudulent/not accurate information which includes the following XXXXXX/XX/XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX,XX/XX/XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXXl XX/XX/XXXX. I will also attach a picture showing what is coming up on my credit report so you guys see it as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been a with COMENITYBANK/VICTORI customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account XXXX, XX/XX/XXXX. Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Hello, I have attached an Excel sheet of my credit report with a color code, the yellows are inquires are made but not by me or even my permission, I suspect an identity theft. it seam to me that somebody want to issue a credit card under my name or buy some thing under my name or they might sent these bills to the old address which i moved since thtee years and I undated my new address by phone or online. 
The red coded color:1- XXXX , they never sent me a bill, statement or email to notify me that i owe them money, they reported me without contacting me, However, I went online to check if I owe them and paid my bills. 
2 XXXX company they were sending there statement to the wrong account I called them and inform them that you are trying to draw the payment from the closed account please change the account to another one and I gave them the account number, they never bother to contact me when the first payment came back to fix the issue, but they ran fast to hit my credit. I am current with them. 
3- XXXX XXXX XXXX they never contacted me or emailed me, but because I knew I bought something from them and longed online and paid my bill, three months after I paid my bill they called me and told me that you have a balance of late charges which i am not aware of, I tried to explain what happened, but they insist that I have to pay these late fees which accrued because of their fault. 
4- XXXX XXXX XXXX : I filled the application in the store and filled my correct address, but I do n't know how they were sending my bill to the old address, they called me and discussed the issue and solved and I paid the the amount due at the same time. 
I do n't know why they reported me as a delinquent5- the new employment - XXXX XXXX , who I work for them, I contacted them and asked them, they told me we never ran your credit report and we do n't have the right to do without your permission .. 
please help me out to take all the highlighted items with yellow and red to improve my score. 
your help is much appreciatedXXXX XXXXPhone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Malen & Associates, p.c.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
My brother in laws ' bank account was garnished and a hold was placed on his account on XX/XX/2023. My name is on his account for safety purposes only. I have never deposited or used his account. The plaintiff is Malen & Associates, PC. I never received a summons from this company. My income is only from my social security and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have disputed hard inquiries with Transunion, XXXX, and XXXX. They have yet to remove these fraudulent hard inquires. I have already supplied my FTC report twice. This is why I am escalating this matter to 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 2016-05-04
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Equifax thank you for the same info you provide in the US MAIL. UMM But you still are not sending the info that I 'M REQUESTION. Ugh.. The creditor report to you. send you all the info on the consumer. you should have every signed contract that the creditor and I had agreed to when opening up a new account. the law states that the reporting agency should have that info on file and it should be available to the consumer by the credit agency ( which is you Equifax. I have asked you for months to send this to me and you have fail to do so. I DO NOT WANT THE CONTRACT FROM THE CREDITOR I WANT IT FROM YOU TO MAKE SURE YOU ARE REPORTING THE CORRECT INFO

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: LDF Holdings, LLC
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I had called the company in regards to high interest rate and they told me that is the way it goes and hung up on me ... I called again and asked if it could be lower and told them in state of Minnesota they could not charge that amount and they told me they could charge whatever they wanted, as they are covered by XXXX XXXX XXXX. But after talking with the states Attorney General they are not licensed to operate in Minnesota or to be federally regulated. So I called them again cause at this point I could no longer access my account online to check out my history. But they refused to tell me why my account was not active, they told me it was my website but it wasn't as it told me their was a payment coming and you don't have access at this time. So they lied to me ... Second I have made XXXX payments with approximately XXXX made to this account and I'm getting past due notices saying I owe more than I borrowed ... I borrowed XXXX on XX/XX/XXXX. They have applied no payments to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Company costumer service had mislead me into not making a payment to pay off promotional purchase before it lapsed. Had me wait months ( told me to wait 1-2 cycles ). Costumer service also mislead me into thinking if I paid the {$900.00}, to get rid of it... did not. 

I inquired XX/XX/XXXX and XX/XX/XXXX was told to wait. Contacted XX/XX/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 monetary relief
Consumer complaint received 2017-02-03
Company: Sierra Holdings LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
As a result of previous complaint Sierra Auto Finance agreed to remove negative listings on my credit report. Which the item was removed from my XXXX XXXX and XXXX reports as the company agreed. Sierra Auto Finance then reported this as a new item to my XXXX report on after they agreed to remove it. This item showed up on my report today. I have attached the copy of my credit report where this item was reported as well as the previous complaint where Sierra Auto Finance said that they would not report the negative item anymore. Why would you agree to remove it to report it to another credit reporting agency. This is malicious, to agree to remove the item and to report it to another agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: U.S. BANCORP
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Ive never been delinquent nor missed a payment. I paid off the balance and received a notice that the APR was increasing to 23.49 %. When I called Elan Financial Services, they informed me that it was due to the credit bureau report. My credit score increased by XXXX points to XXXX in the past month. This is a good credit score and there were 4 credit cards paid off so my debt decreased. Why is the APR increasing? This IS NOT a new credit card. There is no introductory rates as Ive had it for a few years. I will be attaching proof of my credit score via my XXXX credit card, the letter received from Elan and a copy of my account. This is abuse of financial power. During a pandemic, Im being punished for paying it off. They can no longer collect fees from me so they punish me for it. They must be stopped. This isnt fair nor right. I also tried to view my credit score per the services available to me, however, it kept routing back to the same page, basically, Elan says you can view your credit score for free but dont have this function/process active!

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 2022-03-24
Company: WELLS FARGO & COMPANY
State: PA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i live in PA, i am 100 % XXXX vet which excludes me of property taxes. the bank was provided all the paper work last year. my monthly payment was then lowered to {$600.00}, i send {$610.00} every month. come to first of the year the mortgage company decided to pay the taxes on their own, which then put my escrow account in the negative, then they raised my mortgage payment to {$820.00}. been dealing with the company for 3 months with hour long phone calls, to only get no call back or they were caught in lies. now my credit report was hit for XXXX points for deliquiate acct. 

i have no clue which way to go here this problem has caused me so much stress

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 monetary relief
Consumer complaint received 2016-09-15
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I received an consumer inquiry on my credit file from XXXX on XXXX XXXX, 2016 and have been given the run around by Equifax and XXXX since XXXX. I have received a letter from XXXX stating they will notify Equifax and have Equifax remove the inquiry. Well, Equifax is stating XXXX XXXX has n't sent them an electronic file to remove this inquiry. I again contact XXXX XXXX and they state they have contacted Equifax electronically and requested this inquiry to be removed. 

On XXXX XXXX, 2016 I contact Equifax again and fax them a copy of the letter from XXXX stating they will notify Equifax to remove this inquiry. Equifax inform me to call back within 48 hours and this should be taken care of and removed from my credit file. I made a follow up call today XXXX Thursday, XXXX XXXX, 2016 ) to verify the inquiry has been removed. I am then told that Equifax still has n't heard from XXXX AND refuse TO ACKNOWLEDGE the letter from XXXX to remove this inquiry. Equifax then informs me that they will not remove the inquiry unless they here from XXXX XXXX electronically. 
Equifax has eluded to stating the consumer could have made up this letter ( which is attached ) and refused to even acknowledge I received it from XXXX XXXX. I 'm at my wits end, very frustrated and annoyed with the disrespect shown to the consumer from XXXX XXXX and Equifax. What are consumers to do when we are caught in the middle of a mess. This inquiry system needs to have a better dispute process, it is impossible to challenge and resolve inquiry disputes on the part of the consumer. Our hands are tied and were caught in the middle of mindless idiots when they make errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Returned merchandise at the store level On XX/XX/XXXX invoice return credit did not post Paid monthly bill at store level via check Check was not processed on my bank statement On XX/XX/XXXX balance showed {$180.00} did not reflect check payment On XX/XX/XXXX still showing $ XXXXbalance Late fee added to the XX/XX/XXXX statement still no credit adjustments shown Frustrated paid the {$230.00} which included the lates fee and requested XXXX to close my account On XX/XX/XXXX Received another bill for a balance of {$44.00}. That was paid even though no further purchases. Through this ordeal I have paid for merchandise I returned along with 2 late payments totaling {$88.00}. 

All balances along with two late payments were paid, closed the account, frustrated and only open this account credit card because the store representative encouraged me to receive the 30 % off sales. 

I called Comenity Capital Bank several times of which was transferred to several departments. I recently spoke to a XXXX representative at XXXX XXXX XXXX and she said that she would sent my concerns to the finance dept. 

I am in the process of buying my third home and was informed that I have a blemish on my credit report from XXXX / Comenity Capital Bank. 

You can clearly see by reviewing my credit history and banking w/ XXXX  XXXX XXXX that I am a responsible consumer- I still buy my clothes from XXXX but use my MasterCard from XXXX XXXX  and ALWAYS pay the balance in full each month. 
I charge approximately XXXX per year with this card and NEVER missed a payment in full. 

I am asking that the companies involve to reconsider removing this blemish from my credit history. 

See XXXX XXXX and Comenity Bank records. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
The Credit Bureaus are reporting that my monthly payment for XXXX of my student loans are above $ XXXX/month when in fact it is only {$290.00} for all XXXX consolidated loans. This is throwing my debt to income ratio off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed this information with Equifax and with XXXX XXXX. XXXX XXXX and Equifax has refused to validate that this account is mine. I demand that during this investigation it be deleted from any and all my credit reports. Equifax claims that this information is being reported correctly and has refused to provide me with full details of their investigation. As for XXXX XXXX they have refused to delete this from my credit report as well but has not validated that this account is even mine. I have requested VALIDATION OF THIS ACCOUNT and proof of payment history to show the so called balance owed along with proof of payments that were posted to the account I also requested this information. As of today I have not received this from either XXXX XXXX and or Equifax. I demand that they send me proof that this is my account and that the amount and the information is correct along with complete payment and statement history from day one and the signed contract showing I owned this vehicle as I do not recall ever having an account with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: CAINE & WEINER COMPANY, INC.
State: WI
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:
I have filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2021-01-08
Company: WELLS FARGO & COMPANY
State: MN
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:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XXXX. XXXX, 2019, XXXX XXXX, XXXX XX/XX/2019, WELLS FARGOXXXX XXXX XXXX, XXXX XXXX. XXXX, 2019, XXXX XXXX XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-01-08
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
So, XXXX- Nationstar required an escrow to pay for my insurance for my mortgage. After 35 minutes on the phone, I was informed that Nationstar who collected my $ XXXX in escrow to pay my home mortgage insurance would not be making my home mortgage insurance payment and would not be refunding my money in order for me to be able to pay my home mortgage insurance in a timely manner, nor would they provide a letter to my home insurance company explaining the reason for the delay in my insurance payment, thereby preventing my home insurance from being cancelled. 



Further, a Miss XXXX, whom, by her own attestation is the only XXXX who works for Nationstar, as she REFUSED to provide her last name, or connect me to her supervisor XXXX, who also does not have a last name, and is in fact by her assertation the only XXXX that works for Nationstar. 



I would like assurance that my homeowners policy will not be cancelled as they people ( Nationstar ) failed in their one and only responsibility to PAY the property insurance they they required be escrowed or refund the escrow in a timely manner as not to have my homeowners insurance policy cancel.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
EQUIFAX is VERY convincing when they say my home loan not being restored to be reported by EQUIFAX is completely XXXX 'S FAULT. 

XXXX is very convincing when they say that it is EQUIFAX 'S fault that the home loan is still not showing on EQUIFAX. 

Both parties seem to be engaged in a XXXX stand off, that by definition requires a third party to end. 

There is a NEW XXXX stand off between XXXX and EQUIFAX and my autistic son XXXX XXXX is getting hurt by XXXX and EQUIFAX blaming each other instead of restoring my perfect XXXX year payment history so I can get a personal loan to fix my son 's teeth. An emergency room doctor said that if he had teeth like my son, he would want to be on morphine until the teeth got fixed. XXXX can not take morphine and is suffering intense pain until XXXX and EQUIFAX undo the damage preventing me from getting a loan for XXXX ' dental XXXX. This nightmare has been dragging on for months now. Here is a link that shows you XXXX was engaged with a similar XXXX Stand Off with TransUnion in XXXX 2016. The ongoing and various delays have turned this into an Americans With XXXX matter. My son could have had his XXXX by now. Because of the various delays, we have no idea when I will be able to get the loan now. I did nothing wrong. My autistic son XXXX did nothing to deserve being kept in pain like this. Here is the link to the blog about this most recent XXXX Standoff with XXXX and another party with me and my son trapped in the middle. This should not even be happening. 

While the lion 's share of this ordeal rests with XXXX for creating the problem in the first place, EQUIFAX is not making it a priority to resolve the problem and is engaging in the blame behaviour which creates a XXXX stand off situation. Both parties need to realize they are harming an autistic young man who has done nothing to deserve the XXXX their ridiculous delays are causing him. 

XXXX XXXX

Company response to consumer: Closed with explanation