BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-14
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-09-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Equifax 's website to know whether you account has been comprised states that it well tell you if your account was compromised or not. When I submitted my info it only gave me a date and deferred me. It did not tell me what the impact was like it claimed to do. Now I have to wait till the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 

XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX 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 non-monetary relief
Consumer complaint received 2017-09-08
Company: Ditech Financial LLC
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Original loan in XX/XX/XXXXwith bank XXXX XXXX, sold to secondary servicers, from XX/XX/XXXX until the other servicers went under and XXXX XXXX XXXX brought all their loans. In XX/XX/XXXXXXXX sold my loan to XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX to XX/XX/XXXX.
Then Ditech XX/XX/XXXXtoXX/XX/XXXX. Now another servicer ( XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX currently. I have had only two modifications : one in XX/XX/XXXX and then one just recently XX/XX/XXXX. Now they have sold my loan to another servicer. One thing that I discovered when I had my last modification, was that XXXX still owned the mortgage ( ditech ). Just recently, I received a email stating that I sent a letter to request to pay my own escrow? I have never given anyone nor have I sent a letter to request to pay my own escrow. Question, why are they doing this and do I have any recourse to stop the continuous selling of my loan? Attached you will find supporting documentation.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: EQUIFAX, INC.
State: OK
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 previously mailed the attached letter below on XXXX and have yet to see any changes made to my credit file. Please review the attached letter I am providing which is pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had a checking account with Wells Fargo since XXXX. They closed my account due to lack of activities ( most likely in XXXX ), which I did not know then. I contacted Wells Fargo because I still had around {$1500.00} in my checking account left, and was told that they sent the remaining balance to Georgia Department of Revenue as unclaimed property. 

However, the unclaimed property could not be located by Georgia Department of Revenue in the system, with my name and Social Security number. I contacted Wells Fargo again, they said they are unable to provide information about when and how much they have sent as proof of such an action, all they know is that they should have sent it to Georgia Department of Revenue. 

To summarize, Wells Fargo claims that the remaining balance was sent as unclaimed property, but Georgia Department of Revenue has no record whatsoever, and Wells Fargo can not provide any proof or information about the action they took.

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 2017-09-08
Company: General Motors Financial Company, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX inquiry XX/XX/XXXX did not authorize XXXX XXXX inquiry XX/XX/XXXX did not authorize XXXX XXXX inquiry XX/XX/XXXX did not authorize XXXX inquiry XX/XX/XXXX did not authorize XXXX inquiries XX/XX/XXXX and XX/XX/XXXX did not authorize XXXX XXXX inquiries XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX did not authorize XXXX/XXXX inquiry XX/XX/XXXX did not authorize XXXX XXXX - XX/XX/XXXX inquiry was not authorized XXXX XXXX XX/XX/XXXX did not authorize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2022, I sent via certified mail validation/verification letters to target /td bank. They received it around XX/XX/2022. They have failed to respond and they have refused to remove the debt from my credit report. They are violating FCRA and FDCPA by trying to collect a debt they can not or failed to validate/verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: SCA Collections, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The original creditor submitted claim under incorrect insurance member ID. They had 6 months to resubmit under correct member ID but instead sent to SCA Collections to try to collect this debt. XXXX XXXX waited until more than 1 year after date of service ( XX/XX/2021 ) to resubmit claim to XXXX XXXX for payment under correct Member ID. I have attached documents from XXXX XXXXXXXX XXXX my XXXX insurance ) showing the amount of this debt that I am responsible for is XXXX! PLEASE seize all attempts to collect this debt and delete from my credit report IMMEDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I filed a complaint against Equifax many times regarding negative credit reporting that has surpassed the seven year retention term for negative account history. You have destroyed our credit for 10 years. The loan we co-signed for was reported to the other two agencies in XX/XX/XXXXand XX/XX/XXXX. You have a report date of XX/XX/XXXX which is absolutely incorrect and this is a con either by Equifax or XXXX XXXX XXXX XXXX.
We have and continue to suffer punitive damages as we are elderly and have been turned down for a home refinance loan due to this negative credit report. We have requested proof and been ignored and we are asking for notarized information regarding the XX/XX/XXXXdate you have on file for us and all back credit reports from XX/XX/XXXX through XX/XX/XXXX. Who contacted you in XX/XX/XXXX, from what agency and where is the proof of this incorrect reporting.
Why is it you think you have the right to take 60 days to provide the information that is having a major impact on my life when you have already created this serious financial burden to continue incorrectly??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX shows on these date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX No actions were taken by the company

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 2022-07-13
Company: Avant Holding Company, Inc.
State: OK
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:
I received an alert for WebBank/Avant and called them in XX/XX/XXXX to confirm an account had been opened. I reported to them at the time that this was not me and they said that they would investigate. I never heard from them. I had my monitoring service send a dispute letter and complete fraud package including an ID Theft Affidavit, Police Report, identification, etc. on XX/XX/XXXX, XXXX we confirmed it should be sent to : XXXX. I have never received a confirmation that my information was received or that this has been resolved. I resent an inquiry on XX/XX/XXXX with the documents asking for a confirmation that my email was received. I have not heard back. It has been over 60 days since my original dispute with no correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax stated they were hacked and set up a website to tell individuals if they weee affected at www.equifaxseciroty2017.com but this site does not actually tell you if you were affected or not. Entering information does not provide that answer. Only takes you to a page to sign up for credit monitoring ( and also agree to their TOS, which may not be favorable ). There is a number to call with questions, but hold times are so long you ca n't actually speak with anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Experian Information Solutions Inc.
State: WA
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:
Experian is showing an open account with a balance and I am not the owner, don't even know who the company is. Balances owning to other accounts are incorrect 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 explanation
Consumer complaint received 2022-02-14
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: Information belongs to someone else

Complaint:
I have no knowledge of these following accounts that apeears on my Experian credit report. Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report and request under the fair credit and billing act for information on what give the companies the right to collect on these accounts. I am requesting full validation for the following account names as it appears on my credit report : aXXXX XXXX XXXX XXXX Original creditor : XXXX  XXXX {$1900.00} Account numberXXXX b. XXXX XXXX Original creditor : XXXX XXXX XXXX  {$1700.00} Account numberXXXX c. XXXX  XXXX  XXXX Original creditor : XXXX XXXX XXXX  XXXX {$74.00} Account numbeXXXX d. XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX  {$1600.00} Account XXXX e. XXXX XXXX XXXX Original creditor : XXXX  XXXX  XXXX  {$1500.00} Account XXXX f. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX  {$1700.00} Account XXXX I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. 
Based on the FCRA and FTC Law, all information must be accurate, no errors and verifiable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXXXXXX 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 2019-07-28
Company: AFNI INC.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The collection that AFNI is trying to collect is {$250.00} and the original creditor is 11 XXXX XXXX. Previously this month thus collection was disputed by the original creditor and it was dismissed from my credit report only to reappear weeks later as an AFNI collection. I would like this removed as well as I didnt own the original debt so therefore do not own this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX, while in the XXXX XXXX XXXX in XXXX, XXXX, I agreed to have Care Credit/XXXX XXXX, ( XXXX. XXXX XXXX, XXXX, XXXX XXXX phone # XXXX ) finance {$2400.00} for XXXX XXXX. My signature is undecipherable on this note because I was under pain medication. I was told that there would be no interest charges if paid in 24 months, so I agreed to have {$100.00} automatically transferred through my bank account in order to be paid on time. I received no statements by U.S. mail or e-mail stating what we owed until XX/XX/XXXX, while at the bank for other business, that we owed XXXX XXXX   {$1000.00} yet. In XX/XX/XXXX, I called XXXX XXXX  to find out why they claimed we still owed {$1000.00}. I was told at that time that the loan was interest free for only 18 months and that ended on XX/XX/XXXX. We then were charged $ XXXXinterest with a balance of {$800.00} that was still owed as of XX/XX/XXXX. This brought the balance up to {$1500.00}. When my wife and I found out that we owed this amount we couldn't believe it. We had already paid them through XX/XX/XXXX {$2800.00} in 28 payments. At that time we then requested the statements from the beginning of the loan XX/XX/XXXX thru XXXX.We received a letter stating that " Unfortunately we are unable to provide you with the information requested as it is no longer available ''. My wife tried to stop automatic payment, but they had already taken out a payment on XX/XX/XXXX of {$100.00}. We now had paid a total of $ XXXXThey received no payment for XX/XX/XXXX, because we stopped payment. They then sent all the original statements we had requested. After reviewing the statements, we realized that we needed to contact help from Legal Sources on how they could charge interest on original loan instead of unpaid balance. We have since sent them {$150.00} to prevent collections. 
I hope that you can help us resolve this problem. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone XXXX E-mail 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 monetary relief
Consumer complaint received 2018-05-22
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
On XX/XX/XXXX i look up my credit report and my bankruptcy was still showing, i file in the mid of XX/XX/XXXX and i have ask the credit bureau to remove it that state that they will investigation they came back verified, i ask them how they verified because the bankruptcy court said that they dont verified to third party are credit Bureau it against the law, so im asking that you please investigate because i have been waiting out my years with bad credit long enough for them now to drag they feet and dont investigation a legitimate way please help Im pregnant with XXXX and hoping i can move in my own place in my own name for once

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: EQUIFAX, INC.
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My credit scores recently dropped significantly. When I called Equifax to complain they could not explain it. They said " I dont have access to your credit score ''. He then wanted to give me contact information for a credit repair company. 
I believe my score was impacted by a Forebearance Agreement on my daughters mortage for which I cosigned. However, Equifax could not tell me this. They did indicate my status was " Current '' on our mortage payments. 
The Dispute process online with Equifax did not allow this type of dispute. It only allowed me to dispute my previous addresses and my name. No provisions on their website to dispute the rating in any other way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MS
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:
Several months ago ( mid XXXX to XXXX 2017 ), personal information including my Name, Address, SSN,  credit card numbers, and other information was accessed illegally through Equifax 's poorly secured databases. This breach was only recently made public although they have known about it for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
All unauthorized, requested removal.
XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  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 explanation