BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got a personal loan from Wellss Fargo XX/XX/XXXX XXXX. All payments made on time never late. On the third month of paying I added {$200.00}. To pay on principal. They took interest of of that {$200.00}. And applied the remainder to principal. Again they did that the following month and I contacted the XXXX and the bank applied it where they should. Again XXXX I paid another {$200.00}. Out of that {$200.00}. They took out {$190.00}. For interest and applied {$9.00}. To principal. Thinking they would apply it like they advertise. They claim to take care of their customers but they are stealing from me. Ive called on this and they tell me they changed the practice and I never agreed to something like this. I have a balance of {$13000.00} and they made it to where their advertising doesnt go along with their practice. I need this straightened out. Im on a fixed income and a budget to where we both can benefit if they were honest. Please help me out with something that not only my be me. All their customers most likely are going through the same thing. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: Experian Information Solutions Inc.
State: NY
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 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. I am extremely upset with XXXX XXXX XXXX XXXX unfair practices. I contacted and updated my employmentinformation 2 and half months ago with them. Your system says it isstill pending. I called previously numerous times to check on status if it was update and still to no avail. I recently, once again called to check again for updatesand the agent told me that they do not have my job informationin the system. She took my job information and was advised that they will contact my employer to update the payment plan again. However, recentlyyou placed the balance of {$660.00} on my credit file in whichI never received any letter or call in regards to you reporting this on my file. This is unacceptable. I have done my part to ensure that you are up to date with my job and this is how you treat fathers. 

You can't treat law abiding father 's with this unfair practice. We have a voice. We matter so do the right thing. There should be a full investigation into this matter.

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 2022-08-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
To, whom it MAY concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate noncompliant, and false information about me. The following alleged accounts is listed as a collection with a PAST DUE BALANCEs. 

This is a violation of the FCRA and is also in Violation of requisite METRO 2 compliant reporting standards By the provisions of the Fair Credit Reporting ACT and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate compliant, and verifiable. I demand that the above mention derogatory items be investigated and permanently removed from my report. 

XXXX XXXX Reporting Balance : {$5300.00} XXXX Bank Card Services Reporting Balance : {$3500.00} XXXX Bank Reporting Balance : {$8000.00} Please update my personal information accordingly ; thank you for your kind attention to this important matter. I patiently await your reply.

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 2022-08-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have lived at my current address for over 2 years. I do not live at any other address you currently have in my credit profile. There may be individuals that have the same name as mine. Creditors may have entered my name, and address incorrectly when requesting my credit report. And I was told that all of those invalid addresses must be removed. I am concerned that mail could go to the wrong place and jeopardize my identity if it hasnt been jeopardized. Please help me keep my identity protected by updating the address correctly on my credit report. The information below is the only personal information that should be on my 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 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX  XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021, XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2021, XXXX XXXX XX/XX/2021, 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 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 2022-06-22
Company: EQUIFAX, INC.
State: OH
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 recently noticed that my credit report contained what looks like a car from XXXX XXXX. This is not my car, period. I also tried reaching out to XXXX - XXXX, XXXX and Equifax- but never heard back from any of them. So, at this point I'm not sure whatelse to do - Therefore - I recently filled a police report, which I am including as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 recently noticed that my credit report contained what looks like a car from XXXX XXXX This is not my car, period. I also tried reaching out to XXXX - XXXX, TransUnion and XXXX- but never heard back from any of them. So, at this point I'm not sure whatelse to do - Therefore - I recently filled a police report, which I am including as well.

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 2022-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXXXXXX bank I have not applied for this credit card very confused on why the date of the inquiry is XX/XX/XXXX also this account is not on my XXXX or XXXX credit report. 

Both XXXX card services didn't know what this card service is and definitely haven't applied for the services in over two years. Also this account is not on my XXXX credit report. 

XXXX account has two different dates Transunion report XX/XX/XXXX, XXXX XX/XX/XXXX, and also not on my XXXX credit report. 

XXXX account is only my XXXX credit report. It is not reported on Transunion or XXXX report. 

XXXX was a credit card that I had however I paid off the account and its a closed account. Not sure why its only on my XXXX credit report and also why its a hard inquiry.

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 2022-04-23
Company: EQUIFAX, INC.
State: LA
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, the following companies with corresponding account numbers ; XXXX XXXX XXXX, # XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX # XXXX, have 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 states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: NCB Management Services Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
NCB management services, account number XXXX I have filed an identity theft report, I have asked this company to cease & desist all communications which they havent, I have asked this company to provide me with contract signed by all parties involved in this debt which they havent, this is a third party company I have no original contract with and my information have been sold to this third party company against my will and without my consent my consumer rights are knowingly violated by all parties involved in this account debt, this company also continues to contact me after I demand them to cease and desist all communications with me. 15 USC 1692 ( c ) ( a ), 15 USC 6802 ( B ) ( 1 ), 15 USC 1681 ( 4 ), 15 USC 1681 ( b ) ( 2 ), & 15 USC 1692 ( g ) ( b ) have been violated by this company. My last request for this company to cease & desist all communications with me and I demand this company to delete or request to delete this account from all 3 credit bureaus immediately and this account is under investigation and this company will be subpoenaed to civil court

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: MD
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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, the following companies with corresponding account numbers ; XXXX XXXX XXXX, # XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX & XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, & XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, have 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 states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-06-06
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Purchased electronic dog trainer XXXX XXXXXXXX dogs. It did not show up. I needed it immediately. Went to box store bought one. Company agreed to credit me back immediately. Applying checking credit card statement company never credited me back and decided arbitrarily to mail another unit against my permission. Unit came. Got returned number from company and put it in XXXX box with return number written all over outside. Company claims they did not receive back. Citibank XXXX took original dispute and messed it up badly by saying I didn't get merchandise because the communication with the XXXX is pathetic. The dispute is I sent it back not that I did not receive it. They close my file and refused to open it and refused to credit me my rightful money back. Citibank impossible to deal with communication is lacking have kept me on the phone for hours and screaming matches. I am a XXXX my pension goes into Citibank if it wasn't that I had to fix all the rigmarole I would quit Citibank if it got uploaded did it get uploaded can you see it okay one attachment view uploaded okay keeps disappearing

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 2022-08-20
Company: Experian Information Solutions Inc.
State: IL
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:
In XX/XX/XXXX, I pulled my credit report and noticed erroneous and fraudulent data in my credit reports. I reached out to the credit bureaus and disputed the information. I received mail back informing me about sending in a photocopy of my unexpired identification and social security card along with my dispute letter. I've done this several times and received what in believe to be stall tactic letters, informing me that my social security card and unexpired identification card was not received. I've always sent in these self-verifying documents and received the same generic response letter in the mail. There's been several times I didn't receive any response at all. I am litigious consumer and will be seeking monetary damages for the credit bureaus willful non-compliance. 'I 've recently applied for an auto loan and has been given and unfair interest/insurance rate because of my credit score, which is affected by my inaccurate credit report. 

Date : XX/XX/XXXX Amount {$220.00} Action Taken : Under Collection, status Paid Date : XX/XX/XXXX Amount {$120.00} Action Taken : Collection/Charge off, status Paid Date : XX/XX/XXXX Amount {$180.00} Action Taken : Collection, status Paid Date : XX/XX/XXXX, XX/XX/XXXX, Amount : {$540.00} {$540.00} Action Taken : Revolving Account, Status Paid Date : XX/XX/XXXX, XX/XX/XXXX Amount : {$850.00} Action Taken : Collection/Chargeoff, Status Paid

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 2022-06-06
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX XXXX  Account # XXXX, has viloated my rights. 
XXXX IXXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has viloated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX Account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06
Company: Caliber Home Loans, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I requested PMI removal in XX/XX/2022. Paid {$150.00} for the BPO Inspection. I was told that before Caliber would schedule a BPO I would first need to provide Improvements ( if any ) dates and values ( dollar amounts ) of each. I have been in my home for almost 3 years. I have made literally thousands of dollars in improvements over that 3 year period. It would take me hours upon hours to go thru my files, bank records, charge accounts to develop this information. On the other hand, if I submit my request stating I made no improvements, Caliber is telling me that my request would be automatically denied. They also state that this policy directive comes straight from their investors. I purchased at {$220000.00}. The value of my home ( without any known improvements ) per the current market is {$340000.00}. {$220000.00} x XXXX  % = XXXX. I should be able to have PMI removed at this value. Even if my home appraised for a lot less, PMI would still be removed. I feel that Caliber is extorting funds and manipulating their rules in order to receive the extra monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: COMMERCE BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Today ( Sat. XX/XX/2022 ) I received 2 Commerce Bank Visa Cards which I did not apply for. One of the cards has my name on it ; the other ( same account number ) is a person I do not know.

I called 3 different Commerce Bank numbers listed in an attempt to block use of the account. All three numbers resulted in long hold times without being answered. I understand that this occurred on a weekend, but there should be someone available to block this account. There should be a fraud department to help.

Company response to consumer: Closed with explanation