BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-05
Company: EQUIFAX, 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:
i went to go by a car on XX/XX/20 at XXXX XXXX  and they told me i had a collection with XXXX XXXX XXXX  # XXXX i have never applied for this loan nor did i ever give permission to anyone else to do so. i have never gain any type of benefits for this account being open no money no goods have i received. Please see attached supporting documents

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
this Account Type Installment Loan Account Number XXXX Date Opened XXXX/XXXX/XXXX was paid in full and was never 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 2022-07-16
Company: Mr. Cooper Group Inc.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2022 I notified CFPB of a forebearance I was given by Mr cooper mortgage company. CFPB OPENED AN investigation and mr cooper responded with an approval of my forebearance with correspondence letters being sent to CFPB dated XXXX XXXX showing I was approved for forebearance through XXXX XXXX, and removed negative items from credit report after sending me a letter stating they didnt put it there. which can be found on the CFPB website. Also the letter stated no delinquency will be reported to credit reporting agencies. However, Mr cooper has not honored the agreement they have sent you or I. The first XXXX months I was in forebearance I continued to make payments even though I didnt have to. ( XXXX XXXX XXXX  ) I never missed a payment. This is the second forebearance they have granted me and my second complaint with CFPB. ( XXXX ). The reason for my complaint is the same as the first time. They have reported to credit reporting agencies and my score has dropped over XXXX points leaving me unable to refi my first and second mortgage which was one of the reasons I needed the forebearance in addition to the hardship. My score has gone from a strong XXXX from me working so hard to get it there to XXXX. Ive called them repeatedly to rectify this and each time Ive gotten different people stating Im in a forebearance and others stating Im not. Some telling me they are sorry Im not in a forebearance because the loan matured. Well, for XXXX months Ive been told and have been thinking I was in forebearance until XX/XX/2022 because this was what I was told. CFPB was sent correspondence stating Im in forebearance and so was I. Never was I sent a letter stating I wasnt. This is unacceptable. All the company can tell me is I owe XXXX. My most recent call was Thursday and the young lady told me there was a glitch in the system but her and her supervisor was working to fix it so that the correct information would be sent to credit reporting agency. And it should be taken care of in XXXX days. Then Friday I spoke with another lady who stated very unconcerned shes sorry but there is no forebearance and none could be done. Saturday spoke with XXXX who took the time to read all notes listen to my grievances and stated he would send to escalation who I know cant help me with this. Now my credit is ruined. I cant get a loan. Time is running out! I cant get a parent loan for my XXXX  who is in college that Ive gotten for the last XXXX years because that was denied because of this too. And all they can tell me is they are sorry. My first mortgage is XXXX. It is current and I pay on time! I will not allow mr cooper to steal my home over XXXX. Because I feel this is their agenda.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. This is willful disregard of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-16
Company: WELLS FARGO & COMPANY
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:
My name is XXXX XXXX XXXX, and I am writing on my own behalf to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not authorize any of the following charges/inquiries. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's identity theft affidavit. I request for the items listed in this report to be removed as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-26
Company: TFS FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX ,  XXXX , Assistant Prosecuting Attorney of the Civil Division-Tax Unit. Sent an e-mail to  XXXX   XXXX  on Tuesday,  XXXX   XXXX ,  XXXX  at  XXXX    XXXX   It was also sent to  XXXX   XXXX   XXXX  It was titled FW : proposed Confirmation Entry In the body of the text it states the following Hello I approve of the Entry Thank You  XXXX   Jin Assistant  Prosecuting Attorney Civil Division-Tax Unit  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  OH  XXXX  Phone  XXXX  Fax  XXXX  Office of  XXXX   XXXX   XXXX  County Prosecuting Attorney  XXXX  County Prosecutors  XXXX   XXXX   County Prosecutors Office  This e-mail was sent in response to the e-mail sent on Tuesday,  XXXX   XXXX ,  XXXX  at  XXXX   XXXX  from  XXXX   XXXX   XXXX , Legal Assistant at  XXXX ,  XXXX ,  XXXX ,  XXXX  and  XXXX   XXXX  LPA with the Subject proposed Confirmation  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  al Case No.  XXXX  Our File :  XXXX  Good Morining Please see the attached proposed judgment Entry Confirming Sale for your review and approval. Once you have had a chance to review the Entry Please provide either your approval or changes.     I never have the opportunity to review this information. Please  e  send me the entire attachment titled  XXXX   XXXX c and//or what is titled Our File :  XXXX  in the e-mail of  XXXX   XXXX   XXXX   ( debt collector ) Please answer the following questions : 1. I was never given the opportunity to read this file titled Our File  :  XXXX  please explain in detail what information is in this file?    2.  Please send me a copy of all information in the file and any documentation associated with the file  3 . What is the contents within the file you received from  XXXX   XXXX   XXXX   4.  Why was it sent to you to revie w 5. What is the meaning of Entry 6.  Is the Judgment Entry that is confirming the sale for  XXXX   XXXX  to review actually a DRS book entry that comes from a direct register system in DRS ( book-entry ) form. If so is the entry or entries associated with either   XXXX   XXXX  ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX , or   XXXX   7. Who provided you with the information that is contained in the attached titled  XXXX    XXXX   and/or the information within the e-mail identified as Our File :  XXXX  The original e-mail is attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
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: Account status incorrect

Complaint:
I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. This is willful disregard of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Experian Information Solutions Inc.
State: AR
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 was affected by the COVID Virus and filed a natural diaster emergency with all three credit bureaus. None of my accounts are the same on all e credit reporting agencys. None recieved notice that my score decreased after paying a car loan off with XXXX. I called XXXX XXXX and I could not even get anyone to discuss this situation about the paid off car loan instead it says the account is closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-05
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX reported my account 30 days late for XX/XX/XXXX to both XXXX and Equifax. My payment was due X/XX/2017 and my account was paid on X/XX/2017, which is NOT 30 days late. X/XX/2017 is the date the payment shows as being made on my receipt from XXXX and this is the date the actual funds were deducted from my bank account as I have it set-up as a direct debit payment. XXXX XXXX has been nothing but a problem to me and my family. My husband was hit by a vehicle inXX/XX/XXXX and the motorcycle we had financed with XXXX was totaled. We were having to pay for a rental car as well as still making the bike payment to keep our good credit while we waited for the insurance claim to be paid. This was a struggle for us to pay both and now XXXX has made it worse by ruining our credit with these late pays that are n't even accurate. They do n't care about their customers and the research I 've done on them affirms this as they have a " F '' rating with the BBB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Someone has been using my credit information and are applying for credit cards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Experian Information Solutions Inc.
State: AZ
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:
There is wrong information listed on my credit report, please update or remove immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted to get this account removed from my credit report already. The collection agency in cooperation with XXXX XXXX XXXX is now committing fraud and producing fraudulent documents to change their claimed source of the debt they claim. At first they said the debt was for unreturned equipment, now that they see I can prove that I did in fact return the equipment, they produced fraudulent past due bills, they have run into another problem, the dates of service they are claiming, are for periods when I did not own the property where they claim the service was provided. This is outright fraud being committed by XXXX XXXX XXXX and the collections agency attempting to do XXXX XXXX XXXX 's bidding.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: EQUIFAX, INC.
State: CA
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
Have been trying to unfreeze my credit report at Equifax for 3 days on XX/XX/22 and XX/XX/22, and every time I log in and try to unfreeze my credit, I get the following message : We are temporarily unable to complete this request. 
Please try again later. 

Equifax has apparently a terrible reputation for this site being down already. I would like to add my complaint to this large pile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: Kimball, Tirey & St. John LLP
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is in response to the collection companies answer. At no point did I verbally or written agreement with this company to repay any amount. Had I actually spoken to them I would have reminded them about the verbal agreement. I did contact them this past week and was told by XXXX that there was never any payments made by me. With that being said they lied completely to the CFPB. Yes the verbal agreement was made before I moved out that my now exhusband was responsible and I wasn't and there was never an agreement made for me to pay anything!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: Bridgecrest Acceptance Corporation
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I was Hit from behind by another car and my car was totaled. I just bought the car so I owed over XXXX dollars. His insurance paid it off but I tried to buy another one and my credit dropped 100 points. My interest rate went way up. I was wondering if you could tell me why?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: SYNCHRONY FINANCIAL
State: KY
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:
Unauthorized credit inquiry on XXXX credit report.

Was notified but refuses to remove the unauthorized credit inquires I was a victim of identity theft due to the XXXX data hack. Someone else was using my identity.

Some have 2 credit inquires on XXXX credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01
Company: DISCOVER BANK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX, a company I am a subscriber, represented with my current score of XXXX I could obtain a Discover Credit Card to consolidate my debt and obtain reduced payments with its issuanceXXXX XXXX XXXX  never disclosed that Discover Card would be using a Hard Review of my account, nor did Discover Card contact me to achieve my permission to do so. It short, they ran my Report, turned my request down and it showed up on my Credit Page as an Disapproval with the subsequent action of the other Two Credit Agencies lowering their scores on my credit. This all occurred without any change in my Financial Status as I have NOT missed any payments in over 275 months according to my record. I saw that the FTC was fining XXXX XXXX {$3.00} Million Dollars. I am requesting a Remuneration of a portion of those funds for my Personal Credit Damages. I would also like to suggest that the Discover Credit Card be Fined for NOT notifying and obtaining permission to run the credit of potential card users. Thanking you for your continued help and over watch on Companies who continue to take advantage of the unsuspecting. 
Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have recently obtained my credit report, credit reporting companies make mistakes in reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
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: Information belongs to someone else

Complaint:
I attempted to open a credit card with XXXX XXXX in XXXX XXXX. When I did not receive my credit card in XXXX, I called them to ask why it had not been received. I was informed that someone had changed the name and address on the card and was using the card. I immediately told them that this was an act of fraud and it was not me. I was sent in circles for months filing complaints and filling out documents all simply saying that the credit card was never received and i never charged anything to the card. I continuously told them to cancel the card that by credit report was reflecting a delinquent account that was n't even me! They never closed the account, the account continues to accrue late fees, and they even sent me a credit card, sent to my correct address- WITH THE FRAUDULENT NAME in XXXX XXXX! My credit report has been getting hit since this whole process began, and they are absolutely impossible to work with. In XXXX, I was told to provide them with a police report and affidavit attesting to the fraud. I did all they requested, and received a response saying that the " investigation '' they conducted concluded that the account belongs to me. I call the company and am constantly rerouted and asked to provide additional documentation and fill out additional forms, and I have done so to no avail. I simply do n't know what else to do, I have never encountered such gross 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 non-monetary relief
Consumer complaint received 2022-02-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I had seen a XXXX transfer from my bank account thats associated with Wells Fargo of XXXX to someone who registered my information on their XXXX account and also had changed my information that was on my XXXX XXXX, that transaction wasnt authorized by me or did I send that amount of money I filed a claim with Wells Fargo and weeks later my claim was denied I asked what further documents do I need to show just prove that it wasnt me I was then told I authorized the transaction which was not the case and they stated theres nothing more I can do on my end. when I closed out my account and when I received an email of my account being closed I noticed the name of my account that I had closed out was under XXXX XXXX which who I do not know of. A lot of money was taken out of my account which caused a hardship on me and Wells Fargo does not was replace the money that was taken from me its really frustrating that my bank doesnt want to help me out this is the first time something like this has ever happened 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 non-monetary relief