BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX  XXXX Balance : {$6000.00} ; XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-07-05
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:
n accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXX  XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX # XXXX XXXX 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 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 crime which antedates the report by more than seven years.

15 U.S.C 1681-2 ( 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 2016-08-09
Company: WELLS FARGO & COMPANY
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a car aprox. XXXX/XXXX/2014. The dealership mistakenly put Wells Fargo Dealer Services on the title. The beginning of this year the car was unfortunately totaled, now my insurance company needs a release of lean to process my claim, but Wells Fargo Dealer Services will not give me the release of lean, even though there is no lean on the car.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Wells Fargo put me on the hotlist because the person who stole my identity opened an account with my identification information and a different social security number to compromise and imbezzle funds from our company. When I found out I was applying for a business account. I filed an identity theft complaint and someone was supposed to get back to me yet I have still have not received a phone call

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 2022-04-14
Company: Continental Finance Company, LLC
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
You have violated The Fair Debt Collection Practices Act As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010  ) ( FDCPA ) & the Fair Credit Reporting Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services ( FCRA ). 
( TITLE 15 ) 15 U.S. Code 1681, 15 U.S. Code 1692, 15 U.S. Code 1681b.

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 2020-04-02
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: Information belongs to someone else

Complaint:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts immediately please. 

XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} DEPTEDXXXX  XXXX {$0.00} XXXX XXXX XXXX {$380.00} DEPTEDXXXX XXXX {$0.00} DEPTEDXXXX  XXXX {$0.00} DEPTEDXXXX XXXX {$0.00} DEPTEDXXXX  XXXX {$0.00} BANKRUPTCY CHAPTER XXXXFILED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$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 explanation
Consumer complaint received 2017-10-13
Company: Experian Information Solutions Inc.
State: WA
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 've contacted the 3 credit report bureaus XXXX XXXX, XXXX XXXX, and Experian XXXX back in XXXX to provide validation of all negative items on my reports and asked them to provide with copies of any documentation associated with these negative accounts, including the original contract, bearing my wet signature to prove that the companies 's claim were correct. It is the 3 bureaus 's responsibilities to verify these claim before they added to my account. They failed to verify the account themselves and just " asked '' these companies or banks to verify for them and called it an investigation. I have n't heard anything after I sent out the 2nd dispute letter and they have failed to provide proof within the original 30 days I gave them. 

I have a letter to all the credit bureaus : Dear XXXX, XXXX XXXX, and Experian! 
Please provide the Consumers of America with the Original contract with wet ink signatures that granted you our Permission to hoard our personal information. Failure to provide this contractual agreement to each and every Consumer constitutes a privacy right violation according to the Privacy Act of 1974. The Privacy Act of 1974 also serves as a Public notice on the behalf of all Consumers in each State including the District of Columbia due to XXXX being a publicly traded company! We the Consumers have grown tired of the false and misleading practices you have portrayed!! 
Portraying False and Misleading Practices are also violations of FEDERAL LAW! 15 USC 1692 ( e ). All Consumers demand that all Personal information retained in your companies systems be removed immediately and damages of XXXX XXXX Dollars ( USN ) backed by gold be credited daily to each Social Security Number Available in your system. Consumer 's name and personal information ( which are copyrighted as intellectual property ) has been leaked by your company and has continued too injured Consumers daily as your Systems are primitive in Nature!! 

Please help investigate their failure to comply and this has seriously hurt my credits and my ability to getting a loan or mortgage. 

Thank you very much!

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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I originally had my mortgage with XXXX XXXX- I never signed nor recall signing anything for BAYVIEW LOANS to be involved. They are committing fraud by stealing my money from the amount I owed on the house and raising the interest ; I have asked for ALL the documents with my signature to be to mailed and I have gotten no response. I need all documents and statements to be mailed as this fraud of a company is attempting to intimidate and and defraud me. I need to know how my and why my mortgage loan was sold, the amount and the rate. I need the documents and signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
I recently obtained a copy of my credit report from Experian. It indicate the following credit inquiries that was not authorized by me : XXXX/XXXX   XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX Therefore, I am writing to dispute these inquiries and have them removed from my credit report. Please forward any documentation that you may have in regards to the removal of these inquiries.

Conversely, should you find that I am remiss and my authorization was in fact obtained for making this credit inquiry, I would appreciate any such documentation of that as well. 

Thank you for your prompt assistance.

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 2015-09-23
Company: Arbor Residential Mortgage LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My original mortgage account with XXXX was transferred to Seneca in XX/XX/XXXX. XX/XX/2015, I received a call from Seneca demand payment, up until this point I have no knowledge of this since I did not receive any notice from XXXX. I immediately contact XXXX and for the next couple weeks I had called XXXX repeatedly trying to get the transfer letter so I know whom, account #, and where to pay. They finally emailed me the letter on XXXX XXXX, 2015 ( I have the original email from XXXX ). 
Since I did n't know the account number and where to send payment ; I continued to pay the original mortgage holder for the month of XX/XX/XXXX. For XX/XX/XXXX payment, I send to Seneca and on XXXX XXXX they rejected the payment ; they said because I was two months behind and they immediately reported me to credit bureau for 60days late ( even late payment occurred on the XXXX of the month ). I discovered this a fews days later so I immediately contact XXXX and have them do research to see why the payments did n't get transfer to Seneca. While waiting for the result, I did n't want to get hit with a late payment so I called Seneca on XXXX XXXX and made 3 payments over the phone ( I figure I 'll get a refund from XXXX later ). At that time I also contact my bank trying to get copied of the checks XXXX since my bank statements shown that it was debit from my account for the months of XX/XX/XXXX and XXXX XXXX. On XXXX XXXX my bank told me that the checks for XXXX and XXXX had not been cash so they going to void it and put the funds back on my checking account ( I also have this proof from my bank ). I do n't know why XXXX did n't accept the checks and did n't forward XXXX and XX/XX/XXXX payments to Seneca. The bottom line is I have made payments on time during this whole transition and now I get penalize from Seneca for XXXX mistake. 
I submit these information to Seneca, emailed them the original email that I got from XXXX, the XXXX bank statements and the bank credit that my bank refund back on my account. I had spoke to several customer representative at Seneca and one supervisor. So far they refused to extract the late payments report to the credit bureau. 
My account number with Seneca is XXXX. Please help me to correct this mistake and make it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: ERC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Some one opened two accounts in my name at XXXX a town I do not live in. This is identity theft and it is the second time that has occured XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-26
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX   Account was actually opened on XX/XX/2008 accounts have been closed I need to remove it out if my report if they are multiple closed accounts when it was only one opened.

This account has been taken over by XXXX XXXX. I'm a single parent and this impacting my credit score which I'm trying to improve. I don't see why it should continue if Accounts have been 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 explanation
Consumer complaint received 2020-12-04
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items with in 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and lost of income that this bad credit rating caused me. Per my attorney my information was impacted by the Equifax data breach and this may be the way my information got into the wrong hands

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2020 i received an alert telling me a hard inquiry just hit my report and if it was me or not. It was not me. Called the credit card company about it they had already approved the person for the card they then cancelled the card and marked as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: NC
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:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 29 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: WELLS FARGO & COMPANY
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Greetings, I will keep it concise as possible. I 'm a XXXX from XXXX College based in XXXX, MA and Wells Fargo Education financial Services is XXXX of my private student loan lenders. I have been underemployed since graduation and they are aware of this though I have always maintained my payments until just recently where I am falling behind because of my multiple other loans, my gov't payments increasing, plus rising cost of basic living expense. I have tried for many years to either consolidate or refinance my loan with them but even despite a time when I had good credit and good payment history, they declined me because of my other student debt. Now I can accept if they are not willing to do that as they are a private company and its their discretion, however, as indicated on my attached statement, I strongly object to the XXXX monthly late fees I am being charged for struggling to make my payments which now add up to {$60.00} not including past fees. 

I feel something needs to be done. I have done everything I possibly can to keep up with payments, I still live with parents, sold my car for a cheaper XXXX, limit how much I eat and considering the interest I have paid WF total and the fact they have no refinance options for XXXX these fees are unacceptable and wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14
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:
XXXX account has been closed for a year but XXXX is allowing them to report the account as " late payment. '' XXXX placed a penalty on my account some time after it was closed and sent that penalty to collections. 

A closed telecom account can not have a late payment, as dictated by FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My husband and I called our mortgage company Freedom Mortgage to inquire about getting some relief such as a deferment on our mortgage for at least 3 months. The deferment will be put on the back end of the loan. After several attempts, I finally spoke to one of the customer service reps and he stated that the deferment was available to us and that he would send some forms to be filled out in 3-5 business days. They never came so we called back this time asking for the forms so that we can fill them out ( not knowing the forms included 29 pages ). She told us to go  online to fill them out and we will be processed as the deferment. I called back because we couldn't find the forms named Loss Mitigation and then that person ( 3rd Person ) told us that they are not giving the option of DEFERMENT. He then transfers me to the department that handles this situation during this Pandemic and she states that Freedom Mortgage isn't giving people the Deferment option, only  Forbearance option. I stated my concerns and told her that I was upset that I was given false information several times from the customer service reps and that this mortgage company wasn't doing anything to help its customers. Unapologetic about the entire situation, she states that she will pass the information on and that the call was recorded so they will be able to listen and address the concerns I had. Long story comes to an end with no resolution and we have to pay or we will be charged and reported to credit bureaus. Also, the CEO has the nerve to be on the home page addressing the issue like he is really concerned. I think not. I would like this company to properly train their staff and also have a plan in order for this type of situation. 
Freedom Mortgage is absolutley not at the top of my choices and I am looking forward to finding another mortgage company soon.

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