BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-25
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I 'm XXXX. We have a unit owner who has paid NO common charges in over XXXX years. She presently owes our XXXX over {$100000.00} and we have no remaining recourse because the bank refuses to foreclose on the mortgage. We would like the bank to foreclose and reimburse us for maintaining THEIR property for all these years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: FL
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 submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
s/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL 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 2021-02-16
Company: National Credit Systems,Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filled a dispute in regards to the incorrect items on my credit report. It has been well over 45 days and i havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was pre qualified for a loan through Wells Fargo & submitted all the documentation needed and myself, the listing agent, my real estate agent & the seller were told everything looked great. This went way past the due diligence period, I put down my earnest money, had the home inspected & had the appraisal completed. The closing date was scheduled for XXXX XXXX. XXXX XXXX I received a call that the property taxes were more than they anticipated, & to keep the debt ratio down, they needed me to put down another {$25000.00} and also told me I 'd need to switch my Homeowners Insurance to Option B, which was a higher deductible of {$2500.00} with poor coverage & no full replacement value to reduce my premium. My insurance agent refused to do this to protect my interest. As a result of these XXXX requests at the last minute, I had to back out of the loan. I lost the house, & now I 'm out all the money I put down because of their negligence in informing me of needing this additional money right before closing. They had all my information & knew the taxes for an entire month. What can I do to get Wells Fargo to reimburse me for my earnest money, inspection fee & appraisal fee. I 'm out {$2700.00}. That 's a lot of money for me when they are a Federal Bank & should take responsibility for their incompetence.

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 2016-05-03
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX Account 1. The Activity Designator Is NA - And should be PAID and CLOSED 2. The Pay History is inaccurate, and was updated when the Activity Designator was set to NA - and space filled through that month. 
3. There is a Payment XX/XX/XXXX, because THE Activity Designator was changed - on this date. It is Wholly Inaccurate.. 
XXXX. The Pay History during the actual time this account was open - is missing. XX/XX/XXXX though XX/XX/XXXX. 

Please verify the account, correct the Pay History and correct the Activity Designator - OR Delete this inaccurate, and then incomplete Tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax , please look at the screen shots, the Activity Designator says " N/A '' and should not. 

The " Activity Designator '' should be- " CLOSED ''. 
There is a " CLOSED Date '', or XXXX 2016. 

Please correct the Activity Designation to be CLOSED. 

The HIGH Credit displayed in the screen shot, is inaccurate, as the Balance History reflects the true " HIGH CREDIT '' The comments then say, the HIGH CREDIT is my limit - and as a result, can not be true. 

Please delete those comments that were added.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I am writing in regards 'default ' judgment against me back in 2008. XXXX XXXX XXXX purchased old debt, which the original creditor filed bankruptcy on. When they tried to collect the money from me, the violated many of my consumer rights and have sense been reported ( and corrected by ) to the Federal Trade Commissioner. Had my rights not been violated and I understood what was happening, they never would have won the case. 
I am writing to see if you would consider removing the judgment from my credit report. It has been satisfied and scheduled to be removed in 5 months anyway. XXXX was removed the judgment without my request due to the violations, I believe. I am wondering if you would consider doing the same?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-17
Company: DISCOVER BANK
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
My son, XXXX, is applying for a student loan at Discover to attend Univ XXXX XXXX - XXXX and I am his father and cosigning the loan. Discover advertises a 2.99 % rate as their lowest rate. 

In XXXX, my son and I applied for and received a loan at the lowest rate from Discover. 

In XXXX, another son of mine, XXXX, and I applied to Discover for a student loan for him to attend XXXX XXXX - XXXX XXXX. We received this loan at the lowest rate. 

My credit is excellent. I checked with XXXX XXXX and it is XXXX and XXXX. It is as good as it has ever been. I also recently paid down my home mortgage considerably, which seemed to have a positive impact on my credit score. 

Last week XXXX and I applied for his fall semester and we were give a secondary rate of 4.6 % ( over 50 % higher than the lowest rate ). I called and they said my credit score in XXXX was XXXX and my credit now was XXXX, but still both outstanding scores. 

I have worked hard to get my credit score in an excellent range. Paying down the mortgage was a big part of that and took considerable resources. 

Discover offered no explanation other than the decision is based on their algorithm. 

I do n't believe them and I believe I am unfairly being treated and discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-26
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
A fraudulent account is appearing on my Equifax credit report. I believe I 'm a victim of identity theft and have disputed this account with Equifax. 
Equifax refuses to remove this account from my credit report after numerous dispute attempts. 
The company that is reporting this information, XXXX XXXX Bank XXXX, account number XXXX has been rude, unprofessional and unhelpful in my attempts to figure out why this is appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I went online to get XXXX reports. I got XXXX. Then tried to get the other XXXX. Equifax asked security questions and none applied to me. I have been sick a few years but I know they did not apply. XXXX asked questions and the said I could not be verified. I knew one question was wrong. My complaint is that they want a copy of my driver 's license and a utility bill. I live partially with my daughter. I can not provide that. Is this a way to discriminate against older people with health problems? Just going to the post office for this is a chore. My delinquent debts are from a time in the past few years where it was either eat or pay a bill. I would like to get this straight but ca n't. I also think you should be better monitoring how these XXXX can contribute to ruined lives with impunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There is an erroneous address listed on my credit report. I have lived in XXXX, MI but have never lived in XXXX XXXX, MI. Also, a search on XXXX will show that this XXXX XXXX address does not exist! This address needs to be removed from my credit report. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I submitted a credit inquiry dispute online for impermissible access to my credit report and asked Equifax to investigate & remove it from my credit file. Their response says the inquiry is a factual record of file access and suggested I write to the company that accessed my credit file at the address provided. I sent the letter via Priority mail, & it was returned to me undeliverable as the forwarding has expired. I contacted Equifax and spoke with 6 representatives who told me that they can not remove the record from my file. I told them that the company that pulled my credit report was closed by government action ( easily found online ). They told me to call their phone number to request that the inquiry be removed, even though the agent said they know the company XXXX XXXX XXXX XXXX was put out of business by government action for improper licensing, etc. The FCRA says that Equifax has the responsibilty to resolve this issue, and they refuse to abide by Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt has been paid. Please remove it from the credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: EQUIFAX, INC.
State: PR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
SINCE 2010 THE COURT REQUEST XXXX XXXX XXXX XXXX TO PAY THE BILLS FOR THE HOUSE AND IM DONT. 
HAVE TO DO ANYTHING WITH THE PAYMENTS HES AFFECTING ME UNPORPUSE. 
That mean 1st. Mortgage ( XXXX XXXX ) and 2nd Mortgage ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Submitted a dispute of fraudulent inquiries on my credit file with Equifax. Checked the status online it indicates that investigation is complete however complete date indicates XXXX and delivery has N/A.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I contacted Equifax in reference to some fraud activity in my credit file as well as unauthorized inquiries. I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. First thing is the accounts not belonging to me have been removed but you failed to remove the inquiries. As I stated and provided proof I was incarcerated until XX/XX/XXXX. So there is no way, I was attempting to establish credit as this is not possible from prison. So even though the fraudulent accounts were removed the Inquiries which I did not initiate are still present. So an ID security alert was placed on my account which I appreciate, I just need them to follow through and remove the inquiries entered below. 
XXXX USA XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/XXXX XXXX XXXX XXXX ank XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-07
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Hello, My husband and I filed bankruptcy on XXXX/XXXX/2016 and were discharged on XXXX XXXX, 2016. However, XXXX XXXX and XXXX XXXX XXXX reported that we had an " Open Account '' and were behind in our payments. They never reported that we were in an active bankruptcy and that the accounts were included after being notified by the bankruptcy court and our attorney. However, I called Equifax and they repeatedly hung up on me and never changed or removed the information after sending them in our discharge paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I was logged into EQUIFAX , disputing my credit report with EQIFAX, and the credit agency " timed '' me out after completing my dispute. I loggedin again and gave all my personal information and coincidentally, I wasblock by EQUIFAX , and was refused login. Additional information wasrequired for me to log in ( mail in a copy of my drivers License ) and Icould then dispute the issue. I believe that EQUIFAX , intentionally blockme from their site because of the nature of the complaint and thecompany that I am complaining about. Furthermore, I can not talk tocustomer service without having account with EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have disputed the same XXXX ( XXXX ) derogatory entries with Equifax XXXX times and I have only received resolution to XXXX of the XXXX disputes. While taking 9 months of submitting the same proof over and over, ( which obviously was correct since Equifax finally removed XXXX of them ), I still have XXXX inaccuracy outstanding. Second, Equifax has breached my privacy by providing my statement and credit information to someone who is a complete stranger to me. Equifax has sent my credit report information to an address that I have never had on file nor lived at in my entire life. They have also attempted to bamboozle me and dupe the public by providing me and other innocent consumers an address for their corporate office for filing a dispute that is not accurate. I have pictures to prove they are handing out a wrong credit dispute address for their XXXX and to prove that they have mailed my personal information to someone else 's address and not any of my last XXXX addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: ALLY FINANCIAL INC.
State: IL
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
XXXX SKIP TRACED AND ILLEGALLY RAN BACKGROUND ON MY WIFE FOR ALLY FINANCIAL TO WHOM WAS PAID OFF XX/XX/2015 AND KEPT HARASSMENT UP FOR DAYS AFTERWARD VIA CALLING MY CELL NUMBER XXXX IN VIOLATION OF T.C..P.A AND FDCPA AND FCRA NON VALIDATION OF DEBT ETC..SENT, THE NUMBER ASKED TO CALL WAS XXXX FOR CASE NO XXXX, NOTICE NO DATE XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX and XXXX credit bureau is reporting this information on my credit file that it has been late payment but that cant provide me with support documents showing this acct has be late per Fair Credit Reporting Act Section 609

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 2016-01-10
Company: ALLY FINANCIAL INC.
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
After an internet search on a " XXXX '' website I was contacted by XXXX XXXX in XXXX XXXX XXXX. The particular salesperson who gave me a firm offer to purchase a new 2009 XXXX XXXX XXXX, with the exact options I need was not available when I went to the dealership to purchase the vehicle and sign fraudulently induced loan documents with XXXX XXXX XXXX XXXX, my note eventually sold to Ally Financial Services. The salesperson had me " robo-sign '' documents in blank. He acted fraudulently as I had automobile insurance at the time on the vehicle I owned before I bought the 2009 XXXX XXXX XXXX, with the XXXX XXXX of XXXX, and told the agent of Ally. Instead, he fraudulently went, upon information and belief to some local insurance agent he had an arrangement with, and without my consent purchased automobile insurance with a company I have never heard of, XXXX, who I never purchased an automobile insurance policy from, as I was insured with XXXX, but they are still reporting on my credit report as a negative collection account. Further, the salesman knew my son, XXXX XXXX was not licensed as a XXXX Driver, and as I was told after the fact by XXXX XXXX, the dealer should have never sold me the vehicle, as my son, was the primary borrower as I needed his income to qualify. Ally through their agent at XXXX XXXX told me I was getting XXXX which I did not receive based on the agreement I signed in blank. The dealership was told my son 's father, XXXX XXXX, ( XXXX-of blessed memory ) lived in XXXX XXXX XXXX, and my son said they could contact him as an emergency contact. The fraudulent salesman told XXXX that I lived in XXXX XXXX, and my son did, which caused a major family conflict. I have never lived there, nor has my son, as the dealer had my driver 's license, and my son XXXX State of XXXX Identification. Ally refused to provide me with accurate accounting on my account. I should have been paying on a new car loan as a priority buyer, not the figure they submitted to XXXX on the document I signed in blank.Please investigate Ally and have them refund to me the monies they owe me for their agent, XXXX XXXX putting in fraudulent figures, and acting fraudulent in violation of then existing XXXX XXXX policy, and in violation of the rules of the State of XXXX Department of State regarding new vehicle registration.

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 2016-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I checked my TransUnion credit report in XXXX XX/XX/2016 and i had only XXXX hard inquiries. When i checked my credir report after 2weeks, there 's XXXX hard inquiries.. I tried to call TransUnion several times since XXXX XXXX, 2016 but the customer service are not helpful and keep on saying I need to call each creditor one-by-one to remove it.. Im affected with the transUnion glitch and transunion should be willing to resolve these.

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 2016-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Actually there is no method to contact them to file a dispute currently - when logging in their page reflects they are engaging in a dispute but the credit report and the status of the dispute are inaccessible. 
Why is n't it easier to contact them? Why do they have to hide? And, what do they have to hide?

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 2016-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I received a copy of my credit report and notice that an account ( collection ) was added on my credit report causing my Transunion credit report to drop drastically. I have no knowledge of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I 've researched this company and notice that they were connected to apartments that I have never lived at. I am furious at this point.

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 2016-04-07
Company: ALLY FINANCIAL INC.
State: NJ
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
I have a CD maturing at Ally Bank in 2 days. I called to renew it. 
XXXX told me she would renew a 5 yr CD @ 2 %, with a 2 month interest penalty for premature withdrawal. I asked her to put it in writing ( email ), she said she could not. Her word is good enough??? Are you kidding?? 
I suspect they are lying on the phone.

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