BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-01
Company: Houston Finance Co.
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:
While reviewing a recent copy of my [  XXXX   ] c redit report I noticed acredit inquiry by your company that I do not recall authorizing.   I understand that you are allowed to put inquiries on my file, but only if I have given my authorization.   Please have this inquiry removed from my credit file as soon as possible. I have sent this letter certified mail because I need your prompt response to this issue.   I would greatly appreciate receiving a written response that you have had the unauthorized inquiry removed.   If you find that I am mistaken, then please send me proof of my authorization.     Thanks in advance,  XXXX   XXXX   XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: SUNRISE CREDIT SERVICES, INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
calls repeatedly from different phone numbers within minutes of each other.    XXXX    XXXX   -  XXXX   XXXX    XXXX   -  XXXX   XXXX   XXXX  -  XXXX   XXXX   XXXX  - blocked number  XXXX   XXXX  -  XXXX   XXXX   XXXX  -  XXXX   XXXX   XXXX  -  XXXX   XXXX   XXXX  -  XXXX   XXXX   XXXX  -  XXXX   XXXX    XXXX   -  XXXX  They continue to call numerous times a day asking me to verify personal/secured information before telling me who they are or what they are calling about. I have explained when my pay day is and when I would be submitting payment and to stop calling until that day but they continue to call. I have requested they mail me the information and they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Convergent Resources, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
The aforementioned credit agency representing  XXXX  has violated the FCRA by not providing documents to me in regards to this debt I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from all my credit files :  XXXX ,  XXXX , and  XXXX . The business is required to disclose to me all the documents that they have recorded and retained in their files that pertain to this debt. If Convergent Outsourcing does not have any documentation, they need to remove this from my credit file 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 2021-11-16
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: Their investigation did not fix an error on your report

Complaint:
Around two months ago I disputed an Account on my Experian credit report. They told me they verified the account but then I looked at the status updated date XX/XX/XXXX it had not changed. They told me to contact the furnisher of the information. I wrote the furnisher which is XXXX XXXX. I point out to the company that the account was inaccurate and incomplete. I let them know there was two different dates the account opened XX/XX/XXXX and XX/XX/XXXX. I let them know the report showed I was 180 days late and 120 days late. I asked them to validate the account which is my legal right. Everything I asked and waited over 45 days no response. I wrote Experian back with the certified letter that I mailed to the furnisher and included the certified mail green card attached to the furnisher 's letter to illustrate my request and the time frame of over 30days. Instead of Experian stop reporting the account they still continue to report it. Also I have very strong supportive evidence I will upload with this complaint that neither XXXX or EXPERIAN updated the consumer report in the " COMMENT SECTION '' CONSUMER DISPUTES ACCOUNT! Which I believe is at least for EXPERIAN a direct VIOLATION of laws they are governed by in FCRA. I am currently trying to apply for a home loan and EXPERIAN never investigated this account because status update has not changed since XX/XX/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 2022-01-04
Company: Cascade Capital, LLC
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This Company is trying to collect a debt that was fraudulent from the start, I extended my credit to them. 

The violated 15 US 1605 ( a ) ( c ) This transaction included a finance charge and finance charge includes insurance which protect creditors against the obligors loss and or or property damage. And they did not include insurance in my finance charge. 

A finance charge is sum of all charges in consumer credit transaction and does not include cash this company took cash {$6500.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I put my house up for sale with XXXX XXXX. I was told it would take anywhere from 3 to 6 months to close on new home and find rental for my family. 

My realtor has been communicating with both XXXX XXXX XXXX  and Wells Fargo during the entire time. Things with a buyer were moving along nicely when covid hit. We had completed inspection and appraisal back in XXXX when COVID hit. We alerted both companies of our desire to continue to short sale and try to do the best for each company. 
In very early XXXX my buyer had a job shift as wages were removed and he no longer qualified. When Governor XXXX lifted the stay at home order we moved on to buyer 2 which we had in back up. 
Within 2 weeks we got in contract, out of contract, inspection and appraisal completed. as of Friday XX/XX/XXXX I was notified my attorney received the escrow for first deposit. So we are proceeding strongly and effectively now and expect a XXXX end of month close or soon there after depending on the speed of XXXX. 
What has spurn my complaint is XXXX has listened to the federal government and not reported further late payments since covid. They have understood and shown great compassion and patience. They have been a good servicer and really looked out for my interests. 
On the other hand Wells does not give a hoot about me or my family, they want their money. This obvious attitude caused me to stop paying them as they were non flexible to allow us a modification and said NO outright after putting me through hoops and making me wait and wait to just say no, your wife 's income is too much to qualify. 
I repeatedly told them her gross and her take home are vastly different because she carries the medical expense, daughters car payment, 403B loan, and other deductions. They simply said we work on the gross. 

OK, on XX/XX/XXXX via regular mail I received a letter from Wells dated XX/XX/XXXX before the stay at home was lifted that stated that my account has been moved to acceleration program, meaning they will report a charge off and the entire balance is due. Again not listening to federal government this was reported to the credit agencies. This tactic is against all covid customers and our in ability to sell a house during COVID is the reason this was executed. 
I am attaching the letter for you to see and the contact we have 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 2018-05-31
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Basically I opened my XXXX account back on XX/XX/2017 due to an offer they gave that was 12 months, no interest, same as cash. We had a couple of replaced parts on the account due to 2 dressers that were delivered and had damage. Some how, according to a supervisor at XXXX, the 12 month no interest status was removed " accidentally '' and they have no way to add it back to the account. I have spoken to several managers and sent secured messages to XXXX asking them to correct the issue. I have gotten nowhere! I told them the last time we spoke that I would result in contacting XXXX XXXX if they couldn't rectify my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
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/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: French Financial, 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:
Re : Unauthorized Credit Inquiry While reviewing a recent copy of my [  XXXX   ] cre dit report I noticed a credit inquiry by your company that I do not recall authorizing.   I understand that you are allowed to put inquiries on my file, but only if I have given my authorization.   Please have this inquiry removed from my credit file as soon as possible. I have sent this letter certified mail because I need your prompt response to this issue.   I would greatly appreciate receiving a written response that you have had the unauthorized inquiry removed.   If you find that I am mistaken, then please send me proof of my authorization.     Thanks in advance,  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX  is still reporting account that was over year ago reported as Unauthorized ID fraud from  XXXX   XXXX  this is still causing harm and must be corrected removed

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 2021-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Last 4 digits of ssn : XXXX  To whom it may concern, Im writing this letter to dispute the following account : Account number ending in XXXX Balance : {$2400.00} I, XXXX XXXX has received proof from Bank of America that they have certified to XXXX  that the following account ending XXXX is accurate and factual. According to 15 usc 1681a ( e ) investigation, it is clearly stated that such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I feel like Im being taken advantage of and being ignored of my disputes. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Looked over my credit a found credit cards Ive never seen, used or even opened. I even seen addresses that I never lived at also.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
In college I lost my wallet, where as obviously I became a victim of fraud, when trying to report it, I was told that they were too busy fighting real crime. However, I did not pound on it until I checked my credit report. I have un- identified items on my report. The following are in dispute as of now, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX, according to the FCRA law, these items shall be removed if the consumer like myself is not provided with physical documentation. Not just the credit agencies, I have the right to view any physical verification 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 2017-06-01
Company: Bread Financial 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:
Re : Unauthorized Credit Inquiry While reviewing a recent copy of my [ XXXX ] credit report I noticed a credit inquiry by your company that I do not recall authorizing.
I understand that you are allowed to put inquiries on my file, but only if I have given my authorization. Please have this inquiry removed from my credit file as soon as possible. I have sent this letter certified mail because I need your prompt response to this issue. I would greatly appreciate receiving a written response that you have had the unauthorized inquiry removed. If you find that I am mistaken, then please send me proof of my authorization. <P/>Thanks in advance, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 declare that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by federal and state law to file this dispute. The items found within my credit report that I listed on the following pages are not related lo any transaction that I made, I am alleging that a person or company without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the Federal Trade Commission which I have attached to this letter. In addition, I have also corresponded with the agencies and creditors listed. The respective agencies have been very cooperative with me and have guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items I'm requesting you do so for. I want to make it clear that I am not making this request in error I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

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 2022-04-26
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: Information belongs to someone else

Complaint:
My COMPLAINT IS BEING SUBMITTED BY ME PERSONALLY, WITHOUT THE INFLUENCE OF ANY THIRD PARTY OR ANYONE ELSE. I HAVE ATTACHED DOCUMENTS PERTAINING TO MY COMPLAINT. I AM DEEPLY SADDEN AT THESE COMPANIES AND HOW THEY MANAGE MY DISPUTES.

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 2017-06-01
Company: Midwest Recovery Systems
State: LA
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 an alert on my credit report from Midwest Recovery Systems for {$660.00} on  XXXX / XXXX / XXXX . I called the telephone number provided, and a call rep informed me that it was a payday loan from  XXXX  from the year of  XXXX . I informed her I have never received a payday loan. I informed her I never received anything prior to now about a payday loan. She tells me I will need to file a police report for something that allegedly happened in  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am a 3rd generation military war veteran whose family has served in every war of the 20th Century.
Letter from my mortgage bank ( U.S. Bank Home Mortgage Loan # XXXX ) X/XX/2017 stating that since my XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has not responded to their request for proof of H06 Hazard Insurance Policy on my property. I tried to contact my condo association buy they never responded.
I am current on my monthly condo commando payment for10 years, so I should be respected more.
<P/>
The bank has not been sympathetic to my appeal of the decision because they are not wealthy enough. Pay up or else you get more expensive insurance added on to my monthly payment that is already comprised of Premium, Interest, and Flood Insurance.
IF I do n't pay, then I lose the property.
So, I ca n't get another loan on the property because I am an underemployed military veteran.
So, I guess I have to sell and move out to a more expensive property? Or, pay up?
<P/>
I have contacted FEMA and every government agency and representative and they are ignoring me.
Will you ignore me too?

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 2021-06-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO LOANS OR LEASES 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: NJ
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 XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX  XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXXXXXX, 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