BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-11
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: Information belongs to someone else

Complaint:
Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: WELLS FARGO & COMPANY
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/XXXX, Wells fargo denied the refinance of our XXXX XXXX XXXX. We were trying to lower our payments due to the Covid-19. The lowering of these payments would help save us $ XXXX/month which we could put towards savings to help off set the salary reductions we experienced as a result of the virus. 

Wells Fargo denied us stating that a reduction in payment of $ XXXX/month wouldn't not improve our financing situation. What they really said was Wells Fargo 's financial position would not be improved. 

We have paid our loan on time for over 3 years ... never once missing a payment and this is how we are repaid. I attempted to speak with the underwriters and they just said the same thing.

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 2019-11-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I payed my car loan without delay for 72 months without any problems. When my loan payment book ran out of checks at 72 months, I assumed my loan was paid off and awaited my tittle. That 72nd month payment was on XX/XX/XXXX. I was waiting for my tittle, but had not received it so I called in XXXX and was informed that there were three additional months. I was confused because they did not provide a check book with the correct number of months, but I understood. I paid them for the month of XXXX over the phone and they waived the late fee incurred over the misunderstanding because I had not missed payments before. I then set up automatic payments for the month of XXXX and XXXX for the amount of {$420.00}, like previous payments. That is what I was told the automatic payment should be. On XX/XX/XXXX I received a letter in the mail stating that my account was past due in the amount of {$100.00}. The automatic payments they set up did not correctly pay off the loan as I was made to believe. When I called they refused to waive the late fee I incurred from their mistake and failure to schedule payments in a manner to completely pay off my loan. 

XXXX This summary was typed by the consumer 's son, with her permission and on her behalf. The service representative 's name is XXXX and her employee number is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-07
Company: Ditech Financial LLC
State: KY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
My loan was transferred from XXXX XXXX XXXX XXXX Green Tree Services. Green Tree Services demanded that I pay the loan off in full, there were no other options. I explained to them that I had lost my job and I was working again, however I could n't pay out $ XXXX. The representatives were extremely rude and began threatening me. I told them my house was 'under water ' and there was no equity in my home. They said they would just charge the loan off and then hire someone to sue me. They advised that one way or another they would get their money. They began calling friends and family members as well. My mother said someone from Green Tree was extremely rude and indicated that I may lose my home. Green Tree also contacted my employer and indicated that I was behind on a mortgage. They never offered anything accept pay us or else. I am worried to death over this. I have XXXX small children and cant lose my home. Green Tree Recently charged off my 2nd mortgage. According to them the next step is to take me to court to file a judgment against me and garnish my wages. I cant afford to have my wages garnished for a 2nd mortgage that has no equity. Please help me. Please save my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX XXXX, Lending Officer, Bank of America, NMLS #  XXXX, XXXX, declined to process my refinance application because I was self/employed. I applied elsewhere and immediately was accepted and received a refinance at the best rate. I believe his declination was a pretext. I ask that this complaint be placed in his personnel file and with the bank.

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 2022-04-11
Company: Experian Information Solutions 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:
Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC

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 2022-09-02
Company: FC HoldCo LLC
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:
I personally did not authorize or submit to any inquiry or credit check from ANY of these companies. One company was even able to pull my credit file TWICE IN two days! I never approved or even attempted to have my credit pulled bc at the time I was highly financially affected by covid-19. From immediate family to extended family to myself. There was no way I could afford any big purchases that required credit pulling. I'm asking that ALL of these inquiries be IMMEDIATELY removed from EVERY CREDIT BUREAU due to fraudulent reporting and sensitive information misuse. This is immoral and illegal. I never spoke to these people, never met these people, let alone give out MY SOCIAL SECURITY NUMBER for items or services I KNEW I could not afford or maintain. This is an EXTREMELY URGENT matter that needs to be taken VERY SERIOUSLY. I am willing to proceed under a court of law if necessary.

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 2022-09-02
Company: General Motors Financial Company, 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:
I personally did not authorize or submit to any inquiry or credit check from ANY of these companies. One company was even able to pull my credit file TWICE IN two days! I never approved or even attempted to have my credit pulled bc at the time I was highly financially affected by covid-19. From immediate family to extended family to myself. There was no way I could afford any big purchases that required credit pulling. I'm asking that ALL of these inquiries be IMMEDIATELY removed from EVERY CREDIT BUREAU due to fraudulent reporting and sensitive information misuse. This is immoral and illegal. I never spoke to these people, never met these people, let alone give out MY SOCIAL SECURITY NUMBER for items or services I KNEW I could not afford or maintain. This is an EXTREMELY URGENT matter that needs to be taken VERY SERIOUSLY. I am willing to proceed under a court of law if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE 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:
Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC

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 2022-09-02
Company: Avant Holding Company, 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:
To Whomever Concerned Please Please understand that AVANT has misused my consumer credit report in multiple ways without any consent. Causing a deformation of my character, in which Im denied credit by multiple companies. AVANT claim an account using my personal information was opened online. In XX/XX/XXXX AVANT claimed the account went into negative causing them to add a derogatory mark on my credit report per in XXXX in which doesnt makes sense. In without my permission. Upon further research, on XX/XX/XXXX I asked the company AVANT in writing to verify this account. In which the account stated I owed a balance of XXXX dollars. After the 30 days I than demanded for this account to be removed from my credit report, due to the that AVANT has sold this debt to a collection agency by the name of XXXX XXXX XXXX XXXX XXXX. Again without any permissible purpose. Avant- continues to tell lies and refuses to remove the account they can not verify. XXXX XXXX XXXX XXXX IS CLAIMING THAT AVANT HAS SOLD THE DEBT TO THEM. IN WHICH IS ON MY CREDIT REPORT AT THE MOMENT AVANT IS IN Violation of MY RIGHTS AND BROKE MULTIPLE laws. THEY HAVE SOLD THE DEBT TO ONE COMPANY AS ANOTHER COMPANY CLAIMING THEY HAVE SOLD TO THEM. THIS ACCOUNT NEEDS TO BE PERMANENTLY MOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I recently discovered that I am a victim of identity theft. Today, I attempted to request a copy of my Equifax report from the XXXX website. One of the last steps in requesting the report was to answer a set of 4 ( four ) questions to verify my identity with multiple choice answers. The questions were : Question # 1 : Your credit file indicates you may have an installment account ( personal loans, electronic/appliance accounts, jeweler accounts, auto loans, etc. ) opened in or around XXXX XXXX Who is the credit provider for this account? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of the Above I chose " None of the Above '' because I do not have any installment accounts. 

Question # 2 : What is the total monthly payment for the above-referenced account? 
{$50.00} - {$99.00} {$100.00} - {$140.00} {$150.00} - {$190.00} {$200.00} - {$240.00} None of the above I chose " None of the Above '' because I do not have any installment loans. 

Question # 3 : Your credit file indicates you may have a student loan opened in or around XXXX XXXX Who is the provider for this account? 

XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of the Above I chose " None of the Above '' because I do not have any student loans. 

Question # 4 : Your credit file indicates you may have a mortgage loan, opened in or around XXXX XXXX Who is the credit provider for this account? 

XXXX Bank XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX Bank XXXX of the Above I chose " None of the Above '' because I did not open a mortgage loan in or around XX/XX/2016. 

I then received the following message. I am typing it verbatim as is appeared to me : We have experienced an issue processing your request We-re sorry, we are unable to process your request at this time. Please contact our Costumer care Team at XXX-XXX-XXXX for additional help completing your request. The Costumer Care team is available between HOOP, DOOP. 

AGAIN The message I received is verbatim the way it was presented to me. I did not make any typo 's or mis-spell any words. The message spelled the word Customer as Costumer and the word We're and we-re and it actually said the Costumer Care team is available between HOOP DOOP. 

Please explain this to me. 

I may be reached by email at XXXX or by phone at XXXX. My name is XXXX XXXX. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
On date XX/XX/2020 cap one NA pulled my credit without my authorization from experian. Which is a violations under 15 usc 1681. Which clearly states that a person shall not use or obtain a consumer report for any purpose unless one the customer report is obtained for a purpose for which the consumer report is authorized to be furnished or two purpose certified in accordance with section 1681e title by prospective user of the report through a general specific certification. I XXXX XXXX did not initiate any type of transaction with cap one Na. Further more under the fdcra any person who knowingly and willfully obtained information on a consumer ( myself the consumer ) from a consumer porting agency under false pretenses shall be fined under title 18,. Im willing to settle the matter without why admitted liability for {$1000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have a car fro XXXX XXXX and everything was going fine i was making on-time payments every month via ACH transfers this past XXXX the credit bureaus are reporting a late payment on the account i was very confused so i called the company to see what was going on and they told me that the payment was canceled for this month and they sent me a letter to make another payment right away now i never received any letter because they sent it to the wrong address i have a copy of the letter and on the letter it shows the wrong address if i would have received the letter to the correct address i would have been aware of the cancelation of the payment and i would have maid the payment right away. this is not fair its affecting my life the fact that its reporting late

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 2016-09-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Twice this year, in XXXX and today ( XXXX/XXXX/2016 ), it was brought to my attention that XXXX issues remain on my credit history despite all my effort and assurances they would be removed. These issues seriously lowered my credit score. The credit directory at this complaint is Experian. XXXX and a legal document proving that the matters were in error and/or closed are attached. XXXX XXXX was resolved more than a year ago with the help of CFPB, but it remains on my credit history also.

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 2020-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hi guys from CFPB. 
Please send the following documents to Capital One Bank. 
Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX XXXX # SPC XXXX LA XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, IN XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX EXXXX XXXXH ) XXXX Balance XXXX : XXXX XXXX XXXX I XXXX Balance {$0.00} TRANSUNION : XXXX XXXX XXXX {$0.00} XXXXE XXXX Balance {$0.00}

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 2022-09-02
Company: EQUIFAX, INC.
State: CA
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 Equifax credit report shows delinquency. I already resolved this error with the debt collection agency and they said they already reported it back to Equifax. 
However, when I contacted Equifax, they insisted that they did not have any update and the delinquency in my report could not be removed. 
This issue caused me major issue when I applied for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a letter XX/XX/2022 with a court case on it. I called my local municipal court and they let me know it was for a debt owed, and not from the company i received the letter from. I was not served.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have a car fro XXXX XXXX and everything was going fine i was making on-time payments every month via ACH transfers this past XXXX the credit bureaus are reporting a late payment on the account i was very confused so i called the company to see what was going on and they told me that the payment was canceled for this month and they sent me a letter to make another payment right away now i never received any letter because they sent it to the wrong address i have a copy of the letter and on the letter it shows the wrong address if i would have received the letter to the correct address i would have been aware of the cancelation of the payment and i would have maid the payment right away. this is not fair its affecting my life the fact that its reporting late

Company response to consumer: Closed with explanation