BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a complaint previously complaint number XXXX Credit Acceptance stated `` We added you to our COVID Protected Status in XX/XX/2020 but unfortunately, our review of your account indicates that although you continued to be impacted by the pandemic, your account was inadvertently removed from our COVID Protected Status in XX/XX/2020. I apologize for this missed opportunity to better serve you. To make this right, we will do the following : XXXX ) We have asked our credit reporting team members to update how we report your account to the credit bureaus by changing your payment history for XX/XX/2020 through present to reflect a D ( no data ), which is consistent with how your payment history would have reflected had kept your account in our COVID Protected Status as indicated above. Please allow up to 30 days to see these changes reflected on your credit report. 2 ) We will add your account to our COVID Protected Status on a going forward basis. We apologize for any inconvenience or frustration this missed opportunity caused you, and we again thank you for being a XXXX XXXX customer. It is our sincere hope that we have addressed your concerns. If you have any additional questions regarding your account, please contact XXXX directly at XXXX. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has negatively affected my credit score for over 2 years now it has been hard to get approved for anything with so many late payments including a place of my own. Currently I am living with a family member, and this is a state of emergency in regard to not being able to establish proper living quarters because of my payment history on XXXX, XXXX and Experian. Experian needs to update my credit report immediately as it is unfair, unjust and inaccurate. 15 US Code 1692 Congressional findings and declaration of purpose ( A ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

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 2020-08-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX is fraudulent on my Acct # XXXX. XXXX/XXXX  is fraudulent on my Acct # XXXX. 
XXXX is fraudulent on my Acct # XXXX. 
XXXX is fraudulent on my credit Acct # 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 explanation
Consumer complaint received 2022-02-14
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:
A credit card was open fraudulent in my name on XXXX XXXX in the amount of {$1900.00}. With XXXX 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 explanation
Consumer complaint received 2020-07-31
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: Personal information incorrect

Complaint:
Wrong name on my Equifax account See complaint # XXXX Equifax 's reponse to this complaint is preposterous. 
None of the accounts that Equifax has lists my name as " XXXX '' which Equifax ALONE of all three credit agencies has listed as my name for 30 years in error. 
It is Equifax that is responsible for correcting its own error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft, please remove these fraudulent accounts from my credit report. I never authorized any off these accounts, I am a victim of fraud and these accounts on my credit report are further victimizing me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
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:
My requests for proper verification and the removal of the fraudulent information on my credit reports have been disregarded despite the numerous written letters I have sent to the three credit bureaus. I last wrote to the credit bureaus XXXX, XXXX, and TransUnion on XX/XX/XXXX, but I never heard back from them. It is evident from a copy of my most recent credit report that the credit bureaus disregarded my requests. The Credit Bureaus violated FCRA section 605b, which requires them to erase any accounts and information that were created as a result of identity theft. I approached the FTC and reported the theft of my identity. I also included copies of the FTC 's Identity theft report. The below described fraudulent items are still showing up on my credit record. I'm hoping you can assist me out and get these things eliminated as soon as you can. I am frustrated to see the credit bureaus do nothing to remove the information I am disputing from my credit file. Although I am inclined to pursue legal action, I will give the credit bureaus XXXX more chance to make things right and correct my credit report. I need the following items deleted completely from my Credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX 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 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft, please remove these fraudulent accounts from my credit report. I never authorized any off these accounts, I am a victim of fraud and these accounts on my credit report are further victimizing me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have a loan through DiTech, who is servicing my current mortgage. I am in the process of refinancing to another lender. That lender requested a payoff from DiTech 9 business days ago. I called DiTech and they acknowledged they received the request 9 days ago, but appear to not have an answer why they wont provide either the lender or myself a payoff amount. I have submitted a request online and via phone with DiTech as well. I can not access that information on their website ; the message on the payoff tab says " unable to process ''.
The co-lender on the loan, my ex-wife, filed bankruptcy years ago which affected the estate. That bankruptcy has since been discharged in the courts by the Trustee and the Judge. DiTech has been notified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: EQUIFAX, INC.
State: GA
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, has violated my rights. 15 U.S.C. 1681 section 602 A. states I have the rights to privacy 15 U.S.C. 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: Experian Information Solutions Inc.
State: TX
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:
The credit reporting agencies are reporting delinquent balances that have been paid. 
Original Creditor XXXX XXXX XXXX  ; {$660.00} paid XX/XX/2020 Original Creditor XXXX  XXXX ; {$160.00} paid XX/XX/2020 Credit reporting agencies are reporting collections that don't belong to me. 
Original Creditor 11 XXXX ; {$440.00}, not my account. 
XXXX XXXX XXXX Alabama XXXX XXXX ; {$380.00}, not my account.

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 2022-02-17
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried for over 6 months to bring my account up to date. I had to file a previous complaint to correct my principal balance from a previous modification. On XX/XX/2022 I received a letter stating my modification was denied. I feel the denial is in error because both my wife and I XXXX XXXX XXXX XXXX income which was not grossed up by 25 %. I'm also unsure at what interest rate my request for a modification is being reviewed for. 

I also had a change in circumstance, my son will contribute {$1500.00} towards household expenses including the mortgage payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: Sequium Asset Solutions, LLC
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom it May Concern : I am notifying you of a collection account on my credit report that I discovered last XXXX and have already disputed once with the three credit bureaus. Sequium Asset Solutions and XXXX has have wrongfully pinned this in my credit file. I do not owe any debts to XXXX and had ever done business with their company. I am urging you to please research this error and it's validity. 

I have tried contacting the number for this collection agency and have not made any contact with number from the dispute results. I will keep on disputing this since, again I do not owe any debts to these companies involved. 
I will be waiting for any response and may seek legal action if not removed from my credit report. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: GREAT LAKES
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
{$5000.00} loan has a balance owed now over {$50000.00}. I have been consolidated to Great Lakes and in forbearance for many years now. I work, but could n't afford {$400.00} plus each month so they put me on income repay at {$140.00} per month but with hardships they put my debt on the back end and capitalized the interest and auto forbearance every three months. I ca n't afford repaying all this interest and penalties!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: American First Finance, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They trying to call me about my loan I had with furniture but I told them the furniture was stolen but they didn't do anything and I want to do is get more furniture and stay a new loan because I can't pay for something I don't have.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-07
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX I received an email alert from Wells Fargo that my checking account balance had fallen below zero and was now XXXX, previous balance had been XXXX. This represented a XXXX dollar transaction! I immediately went online and found that a withdrawal of XXXX was posted to my account as a " XXXX XXXX XXXX ''. 

Subsequent correspondence indicated Wells Fargo had offset my personal funds to accommodate a business loan my ex-wife ( 5 years divorced ) had accrued. Her business was organized as an LLC and personal funds were not to be co-mingled in paying off the business debt. The offset of my personal funds to pay off my ex-wifes LLC business dept is fraudulent and illegal.

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 2021-11-26
Company: Carvana Group, LLC
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
Lenders made Illegal Discriminatory Markup and refused to send a FCRA Notice stating they only took a soft credit report and don't have to send me a FRCA. 

As my quoted down-payment is o {$13000.00} but its was advertised at a {$2000.00}. 

My markup is due to discrimination and retaliation against me. 

I spoken with Carvana as their representative XXXX number at ( XXXX ) XXXX, she told me that I can not speak to a management because they work from home and I have to walt for XXXX days before I can have make another application. 

She indicated they took a soft pull that implied they don't have to follow FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Experian Information Solutions Inc.
State: MA
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2019-01-08
Company: CAINE & WEINER COMPANY, INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM BEING CHARGED FOR INSURANCE COVERAGE THAT I DO NOT OWE. MY POLICY WAS A PREPAID POLICY AND I CANCELED MY COVERAGE AT THE END OF THE TERM. YET XXXX IS BILLING ME FOR COVERAGE THAT I DID NOT HAVE NOR AGREED TO EXTEND. THEY HAVE SINCE SOLD THE DEBT TO A COLLECTION COMPANY ( CAINE & WIENER CO. ) THAT IS REPORTING IT AS UNPAID AND IS COMPROMISING MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I resided at XXXX XXXX XXXX from XXXX XXXX to XXXX of XXXX is when I moved to XXXX Texas. The property manager for this location at the time name was XXXX XXXX. 

According to the company 's move out policy I did everything in compliance with supporting documentation that I was supposed to do ( Gave my notice for moving, Removed items from the Townhomes, cleaned the unit ect ). The property manager had on site grounds keeper that did the walk around with me and took photos of the unit. The documentation was supposedly given to XXXX XXXX in spite of the fact she still kept my deposit that was owed to me and falsely reported that the unit was in a terrible condition when I moved out. I moved out on Friday the XXXX of XXXX XXXX and another family moved in on Monday XXXX the XXXX XXXX. I was not able to come back to Minnesota to contest the accusations because myself being a single mother and moving to another state was impossible task financially, the property manager was aware of this at that time. However, I have attempted to contact the company directly numerous of times and on different occasions to take care of this issue. I kept getting the run around by the staff of XXXX XXXX XXXX because I did n't know the proper steps file with the false claim that the property manager made and yet not a positive response. 
I 'm asking for a someone to please look into this matter regarding the false claim that the property manager made and please let me know what I need to do to take care of the situation.

Thanks, A Very Concerned Petitioner

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In the year XXXX, I went to XXXX XXXX to purchase a living room set for my father. After a month of not receiving my furniture, I canceled the order. They gave me a verbal confirmation that the order was voided. I received the Credit Card ( Synchrony ) in the mail - never activated it. One year goes by and I get a collection letter in the mail that I am in collections for this furniture. Long story short. The furniture store offered me a check to go pick up to pay off the collection debt. I choose to file a dispute instead with XXXX. XXXX  has now removed the inquiry off of my credit report but my credit is still low.

today, I was notified by a mortgage lending company that Synchrony is still hitting my credit. The last inquiry was 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 2017-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This is the third complaint I 've filed for this issue - I was instructed by a customer service rep at CFPB to file an additional complaint. A series of unauthorized transactions totalling {$870.00} hit my Bank of America checking account in late XXXX and XXXX of XXXX. Bank of America maintains that fraud could n't have taken place because my checking account information was used - in spite of the fact that I have reason to believe these numbers were compromised. Bank of America refuses to acknowledge that a checking account number could be stolen and used in a fraudulent matter. This is ludicrous. Additionally, I had an ATM not dispense funds for a total of {$200.00} - Bank of America also refuses to acknowledge this and maintains that they have no course of action to help with this. Finally BofA closed my account and refuses to tell me why other than to say that it was because of my claims - they did this with no warning and with the account holding a positive balance. They wo n't even tell me when I can expect to have a check for the funds that were in my account. I 've feel that I 've been targeted for filing a complaint with CFPB.

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 2022-07-14
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Comenity Bank has experienced a service outage over the past month resulting in the following : -Three weeks of not being able to access the site to make a payment. They do not waive interest and only waived late fees for payments due during 1 of the three weeks. Meaning, most customers were charged late fees despite the payment due dates occurring during this outage. 

-The card continues to be declined while having enough credit and no payment due. 

-Customer service is nonexistent, the phone numbers either lead nowhere or to a person who drops the call. Social media publishes worthless automated responses. There is no method to contact the company and receive remediation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: EQUIFAX, 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:
The following companies ran unauthorized credit inquiry on my credit report. Please remove the following inquiries because these are suspicious. 

XXXX, XXXX, XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: FORD MOTOR CREDIT CO.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The account with LINCOLN AFS with account XXXX has been closed for so many years but I kept on seeing it on my credit report. This account has different evaluations in XXXX, XXXX and XXXX which are both incorrect. I'm not sure if the 3 Bureaus have conducted a thorough investigation prior to reporting this account to be late.

Company response to consumer: Closed with explanation