BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-25
Company: EQUIFAX, INC.
State: SC
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 accounts have violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act ( 15 USC 1681 ) and the HIPPAPrivacy Rules ( Health Insurance Portability and Accountability Act section 45 CRF Parts 160, 162, and 164 ). 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX ( Only reported to XXXX & Equifax ) I have a right to privacy under 15 U.S.C. 1681 Section 604 A Section XXXX of the act, stipulating that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I took out a loan in 2014 with NetCredit for {$2600.00}. I paid on the loan for 40 payments totaling in excess of $ XXXX.I ran into an inability to pay and wanted to work with Net Credit to settle the loan. I even hired a firm to assist. Net Credit was not willing to work with the firm nor myself and an agreement was never reached. My fear is that they are holding back wanting to work with me while late fees and interest continue to accrue at an alarming rate.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
JC Penny is sever ely affecting my credit worthiness by having inaccurate late payments on my credit report. The months that are being reported late is  XXXX   2017 ,  XXXX   2017 ,  XXXX   2017 ,  XXXX   2017  and  XXXX   2017 . I contacte d JCP t o see why when I send a payment it was being refunded to me. I was told I had  XXXX  accounts with them which  XXXX  was a closed account.  XXXX  was applying the payments I sent to my closed account instead of my open account. I have called several time on this matter and nothing has been done.

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 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 TransUnion is 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 Balance Owed : {$0.00} ; XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TN  XXXX ; XXXX XXXX XXXX XXXX, TN XXXXXXXX ; XXXX XXXX XXXX XXXX, GA  XXXX ; XXXX XXXX  XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, TN XXXX ; If TransUnion 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 TransUnion 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 2017-06-22
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo filed action for a foreclosure sale inXX/XX/XXXX I filed for Chap. XXXX bankruptcy protection in XX/XX/XXXX. I was eventually given a loan modification in XX/XX/XXXX essentially starting over with a new mortgage. I have since fallen behind on my mortgage. I have filed numerous applications hoping to get a new modification and start making payments moving forward. All of my requests for modifications were denied. I appealed the denial and recently was told my appeal was denied. I assume Wells Fargo 's next step will be to set a foreclosure sale date. If this is done I will be forced, and am prepared, to file for Chap XXXX bankruptcy protection again. I am trying to work with Wells Fargo on a modification. I would like to avoid filing for bankruptcy if possible. In researching possible remedies for my predicament I have found that Wells Fargo has violated numerous federal laws, most specifically the Real Estate Settlement Procedure Act ( RESPA ). I also believe Wells Fargo could be found liable under the Massachusetts Consumer Protection Act ( Chap. 93A ). I am considering options available and would appreciate any information that may be relevant to my case.

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 2017-06-22
Company: DISCOVER BANK
State: IL
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:
In XXXX my card was lost and found by a theif who used it at these locations XXXX/XXXX/XXXX 1. XXXX {$7.00} 2. XXXX - {$3.00} 3. Taxi - {$8.00} 4. XXXX - {$15.00} XXXX/XXXX/XXXX 1. XXXX - {$16.00} 2. Taxi - {$15.00} 3. Taxi - {$6.00} 4. XXXX - {$820.00} ( 3 transactions ) 5. XXXX - {$30.00} ( 2 transactions ) 6. XXXX - {$100.00} ( 8 transactions ) I realized it was missing and immediately froze my account, claimed stolen, and had a new one issued. Because they were pending I had to wait until the charges hit before I could dispute. Discover is known for 0 % liability for any unauthorized charges. So after the report I thought nothing of it. After a couple weeks I was advised by fraud department that a police report may help, but with the liability I was assured for by customer service rep who filed the report for me I put it at my low end of priorities because XXXX PD is hard to work with. I created an online police report, called in the temporary case number, and moved on with my life. A couple months later I was accused of making the charges because 1 ) I did n't give a perfect police report ( and supposedly the XXXX told the fraud agent I did n't give all the information ) 2 ) The vendors had been used by me before and not been listed as fraud. This is unfair because someone picked up my card and used it in my neighborhood obviously. I called to appeal and was advised by fraud rudely that it was not fraud but she 'd get me to a specialist the specialist was nice and re-opened the case also not agreeing with the decision because it 's easy to use a stolen card at stores in the area since someone would want to use it right away. I was also advised a police report would help but since XXXX is n't willing to work over the phone or online it 's become difficult with my work hours to ever get there. I call today and now need the XXXX to work with Discover. They need to both open and assign a case to an officer. Then the officer will have to get tangible evidence ( videos, a suspect, etc ) in order for this decision to be turned around and charges to be credited. THIS IS A NIGHTMARE I have no correspondence. I have only phone calls and the dates of fraud. However, they have all calls noted. PLEASE HELP ME! This is horrifying. The police will not do that. And, even if they did how would they know who the culprit using the card was?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Experian Information Solutions 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 information incorrect

Complaint:
I contacted XXXX XXXX about erroneous charges for car insurance. Although we couldn't come to a resolution on validity of the debt they agreed to have it removed from the credit report. I have reported this Experian and they have failed to investigate and validate the debt. The information on this account is grossly inaccurate. I have asked the credit bureau to investigate and validate this debt and furnish the following : 1. Original Contract 2. Payoff Disclosure 3. Interest rate disclosure 4. Valid and correct Balance history 5. Valid and correct payment history 6. Proof of credit insurance Up to now, Experian has failed to accurately validate these erroneous charges as valid debt matching my name, and address, and provide documentation of this debt being mine. 

The account number on my credit report for this account is # XXXX Current law states the following pertaining to the Treatment of inaccurate or unverifiable information : ( A ) In general, 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2017-06-22
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Back in XXXX I filed a complaint against XXXX XXXX XXXX to get loan assistance. The case number is XXXX I was able to get a loan modification after I filed the complaint which started on XXXX XXXX  2017. The loan modification specified for me to make XXXX trial loan payments which decreased my payment to {$670.00}. The three trial payments were to be made XXXX XXXX XXXX XXXX and XXXX XXXX 2017. I just found out a week ago ( after making the first trial payment ) that my loan has been sold to Specialized Loan Servicing. Right now, Specialized Loan Servicing has no record of my loan modification. I spent over 9 months working with XXXX XXXX XXXX to get the loan modification approved and wrote to the CFPB and they ended up selling my mortgage loan. I am highly disappointed and upset that this happened. I spoke with several representatives at XXXX XXXX XXXX that advised me that I would not need to make any loan payments for my regular loan amount of {$810.00} while under the loan modification trial period. They advised me that the past due payments would go to the end of the loan once the trial period was over. I would like my trial loan modification to be transferred to the new loan under specialized loan servicing. The new loan account number is 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 2017-06-22
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX Equifax Re : XXXX XXXX XXXX To Whom It May Concern : I am requesting that a dispute be initiated for a XXXX XXXX # XXXX. Enclosed is a copy of drivers license, copy of the reporting of the XXXX XXXX account, Copy of the Certified Letter sent on I continue to dispute the validity of this account. Can you notify me of the outcome of this correspondence? Thank you for any help you may provide in this matter. Thank you Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
On ( XX/XX/2022 ) 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. feel like i'm being taken advantage of and being ignored of 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 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data 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 2019-12-02
Company: Experian Information Solutions 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 RAN MY CREDIT AND FOUND SEVERAL ACCOUNTS THAT ARE NOT MINE. i NEED THEM DELETED IMMEDIATELY.. I HAVE ATTACHED AN IDENTITY THEFT REPORT REGARDING THESE ACCOUNTS.

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 2017-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I placed a fraud alert on my credit file that indicates anyone who runs my credit needs to call me and that was n't done, which violates my rights as a consumer. I have reached out to the CB 's several times on more then one occasion to advise of my credit being pulled without my permission, but to no avail they refuse to comply.

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 2017-06-22
Company: Home Loan Center, 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: Credit inquiries on your report that you don't recognize

Complaint:
Lending Tree provided my S S # to at least  XXXX  auto refinance businesses without my consent.   XXXX  This resulted in at least  XXXX  new hard inquiries I did not authorize  : 1.   XXXX   2.     XXXX   XXXX   Again, I DID NOT authorize this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Despite the evidence I have provided concerning the violations of both Federal Law and Florida Statutes that have been committed in the handling of the debt assigned to XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- which extend to committing mail fraud in an effort to cover up said violations -- the XXXX primary credit reporting agencies persist in listing the debt as valid, insisting that they are under no obligation to do anything more than obtain a bill from the creditor and collection agency in question in order to validate the debt, thereby making themselves willfully complicit after the fact in both the violations and the mail fraud committed to cover it up in order to steal my {$300.00} deposit ( Florida Statute 83.39 ( a ) required the creditor to refund my deposit in order to continue making a claim on my deposit after submitting it to the credit reporting agencies prior to notifying me about it, which is why the creditor generated a fake Certified Mail notification more than two months afterward and then feloniously intercepted it with the help of the Carrier for the route -- who was obligated to forward my mail on a permanent basis as of X/XX/2016 -- in an effort to prevent me from finding out about it ).

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 2021-05-10
Company: Seattle Service Bureau, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I purchased a 6-month membership with XXXX, payable in 3 installments ( {$91.00} each, {$270.00} total ). Before my third installment in XXXX, my credit card company had to lock my credit card because of an unrelated fraud charge. XXXX was not able to charge the third installment and instantly locked my account ( after two months ). I wanted to cancel my membership as well as my renewal, but since my account was locked, I couldnt do it. XXXX didnt give me access to my billing settings without paying the third installment. On XX/XX/XXXX, I received an email from XXXX, stating that my subscription had renewed for a 12-month membership plan, payable in 3 installments ( {$180.00} each, {$550.00} total ) on XX/XX/XXXX. I did NOT receive notifications prior to the renewal per the California Automatic Renewal Law. I now received an email on XX/XX/XXXX, from the National Service Bureau in XXXX, WA, informing me about a debt collection for XXXX with the assigned principal of {$550.00}. Again, I was not notified this would happen. If XXXX would have notified me prior to the renewal, I would have paid the {$91.00} remaining balance to cancel the renewal, even though I was not using their services anymore, but they did not contact me beforehand. I was also only able to use the service for two months instead of the agreed six months. I tried to contact XXXX but I can not find a phone number to call and talk to someone in person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXXXXXXXXXX SS # XXXX Re : XXXX account XXXX Equifax To Whom It May Concern : I continue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? Thank you Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: WELLS FARGO & COMPANY
State: DE
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On or about XXXX XXXX, 2006 I was with the intention of purchasing a home, however the Trustee and the law firm is in conspiracy to defraud me of my land. XXXX XXXX, Wells Fargo /dba America 's Servicing Company , LLC . The law firm XXXX XXXX XXXX XXXX and its attorney 's are in violation of the following : 1. Secured Transaction, which makes it enforceable.
2. National Banking Act.
3. RESPA 4. TILA They are also culpability for a crime that was committed. Additionally, they are in violation of the National Banking Act.
Evid XXXX XXXX XXXX.
ATTN : XXXX XXXX XXXX /dba C.E.O.
c/o XXXX XXXX XXXX  XXXX, OH XXXX Wells Fargo Bank N.A.
ATTN : XXXX XXXX XXXX  d/b/a C.E.O.
XXXX XXXX XXXX, XXXX XXXX, California 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 2017-06-22
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX Re : XXXX XXXX Account # XXXX Equifax To Whom It May Concern : I continue to dispute the validity of this account I request that the account be deleted from my credit report. I also request a description of the procedure used to determine the accuracy and completeness of the information being reported. I request to be notified of the outcome of this correspondence? Thank you Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
On ( XX/XX/2022 ) 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. feel like i'm being taken advantage of and being ignored of 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 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data 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