BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
Request for Credit Reporting Information Update Dear CFPB, I hope this message finds you well. I am writing to request an update to my personal credit reporting information to ensure its accuracy. The correct information is as follows : - Name : XXXX XXXX XXXX - Date of Birth : XX/XX/XXXX  - Address : XXXX XXXX XXXX, XXXX, MI XXXX Kindly review my credit report and make the necessary adjustments to reflect these accurate details. Having up-to-date and correct information is essential for my financial well-being, and I appreciate your prompt attention to this matter. 

Please notify me once the changes have been made or if you require any additional information from me. 

Thank you for your assistance in ensuring the accuracy of my credit report. 

Sincerely, 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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of anxiety and distress, and I am pleading with you to remove them 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 non-monetary relief
Consumer complaint received 2023-09-14
Company: Loan South Finance & Tax Service of Troy, LLC
State: TN
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/2023 I contacted Service Loan located at XXXX XXXX XXXX XXXXXXXX XXXX tn to make my payment and let them know it wasnt very professional of them to contact me 5 times at my job with one voicemail. 3 times on personal cell with one voicemail and also letting my references know that I was past due on my account within an hour. I told them I was only 6 days past due and that I wanted to cease and desist all collections because it was unacceptable. XXXX threatened me with an attorney. I asked for his supervisors number so he gave it to me. I contacted XXXX and she has yet to return my calls. I have left a voicemail. I told her that I needed to speak to her about this matter and if needed I would hire an attorney because I was threatened when my account is current and up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The credit reporting agency is XXXX. 

Credit score decreased XXXX points without any changes to the credit file. They have provided potential lenders with an inaccurate assessment of my account : Proportion of balances to high, revolving credit utilization, the utilization is at 0 % without any revolving credit. 

Too many accounts with balances, I do not understand this as 90 % of my accounts hasn't received a late pay dated since 2006. Payment history should be reflected as reliable and low risk. 

Serious delinquency, the creditor has failed to remove errors with the accounts via previous disputes, and medical collections listed should have been covered by medical insurance without any financial liability. However there is a XXXX XXXX account that was closed and excessively charged due to deceptive practices and unfair lending with great history. I haven't filed a complaint yet. 

A significant portion of these collections are very old and should have very little impact. 

They are not reflecting my credit report the same as other XXXX XXXX and I am being XXXX discriminated against in lending because of it. 

Lastly with thr amount of errors and inconsistency in lending slacross the board I demand for those inquiries to be removed as it was not a fair credit assessment and with all 3 reporting agencies. They need to correct the credit report and remove disputed items, and unauthorized inquiries and fraudulent 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 explanation
Consumer complaint received 2022-06-25
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX and his family had a substantial loss of income and his current monthly expenses increased, exponentially. As a result of this, he fell behind on his mortgage and it became a snowball effect that he could not manage nor control. He has since then re-assessed and corrected his financial situation and wants to save the home that he resides in, desperately. He is hoping that with the assistance of this formal complaint, that he can have an assistance file reviewed by someone in the Office of the President, or at least an Executive Response Team Member at Mr. Cooper, to have his assistance request reviewed fairly and in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I got a promotional offer from Wells Fargo to open checking account. Once checking account has more than {$1000.00} direct deposit within first 60 or 90 days - I will be provided {$200.00} cash back bonus. I opened this account on XXXX XXXX XXXX. On XXXX XX/XX/2022, when i checked for this {$200.00} bonus, Customer service was unaware of 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 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to the FCRA 15 USC 1681 validation I need all collection accounts on my credit report verified XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2019-02-16
Company: EQUIFAX, INC.
State: IN
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 was alerted on XX/XX/XXXX of a hard credit inquiry on the same date with Equifax for a XXXX XXXX card. I have applied for no credit in any form so far in 2019. I had a similar unauthorized credit inquiry on my XXXX report from XXXX and they were able to identify the app, shut it down, and remove the credit inquiry immediately. 

XXXX  on the other hand is unable to find anything on their end, or any reason to justify why they pulled my credit. Multiple call attempts and transfers to different departments have resulted in no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Revco Management, LLC
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt was from my husband before he passed in XX/XX/2021 and XXXX is saying I'm responsible for this debt and has sent this debt to a collection agency Revco Solutions Inc. This debt was in XX/XX/2021 and could of collected the debt from him when he was alive, I have not signed anything stating I was responsible for this debt that is not mine or signed anything that I would cover his bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX*THIS IS NOT A DUPLICATE*** ***THIS IS NOT A DUPLICATE*** ***THIS IS NOT A DUPLICATE*** This complaint is in regard to complaint ID # XXXX. The company stated that they would respond within 45 days however that has not happened. My reputation is still being damage by this alleged debt and my rights are continuing to be violated. I am aware I have rights which are federal protected against fraudulent debt collectors like CITIZENS BANK and I allege that CITIZENS BANK has failed to follow the law and has become a device and mechanism for deceptive and misleading practices becoming damages and injury to my reputation and defamation of my name. 
XXXXTHIS IS NOT A DUPLICATE*** ***THIS IS NOT A DUPLICATE*** ***THIS IS NOT A DUPLICATE***

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022 I went to XXXX XXXX Wells Fargo on XXXX XXXX and attempted to withdraw money from a drive-thru ATM. The ATM machine door ( the part where you take the money from ) opened but no money was actually dispensed. I tried 2 more times at the same exact ATM machine but the same thing happened. I then went inside the branch to withdraw money. I used an ATM machine and the same thing happened. Finally I attempted one last time and it worked and I was able to withdraw {$50.00} dollars. Later that night I checked my banking account and saw that there was a {$700.00} dollars ATM withdrawl but I never received the money. I called my bank and filed a claim. The claim was rejected today. I believe that the ATM machine is at fault because the ATM door opened but no money was dispense and somehow I was charged {$700.00}. I also received multiple emails that stated my card was rejected due to incorrect PIN but that is not the case as I was able to operate the ATM machine just fine. At that time I believe this was a fraudulent as I received multiple emails and money did not disperse. I am looking to get my {$700.00} back.

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 2022-09-19
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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Selene Holdings LLC
State: FL
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:
Selene Finance has been reporting that my payments are not being sent on time. I have made several attempts to clear this with Selene with not help from them. I have record of all my payments and the 3 extra payments made so I can stay ahead of the game. I am in the middle of loan and this has held me up with my company financing. I have proof of every payment and when the checks are cashed. They are sitting on checks and allowing clients to fall behind and trying to collect late fees in a already crazy time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account XXXX XXXX, MD Child Support Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Oklahoma Student Loan Authority
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello on XX/XX/XXXX I called OSLA to ask for a refund back and they put in the request for a refund since XXXX XXXX. I check today and I see that my loan balance is still XXXX instead of my refunded amount and I need updates

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
This is related to XXXX XXXX, two problems 1 ) truist send me response in snail mail, nobody tried to reach me in phone or person, in which they say attached statement abd original disclosure but none were there, trying to keep fraud and cheating for more money 2 ) I deposied check of $ XXXX to pay off this un-wanted deal, the deposit timenwas XX/XX/XXXX, again they deliberately delayed cashing of the deposit to XXXX XXXX, charged another interest of {$190.00} against my will 3 ) as of today, I had paid off the money {$10000.00} I borrowed from Truist by their cheating ; I'm hereby request Truist cancel the interest and fee {$680.00} they charged and refund it to 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 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I filed a complaint with CFPB on XX/XX/2022 because the 3 credit reporting agencies was violating the law in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Acct # XXXX and 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 Also, I asked the reporting agencies and the creditors in these cases to validate the loan with any paperwork with m y signature on it, that proves this debt belongs to me. According to 15 U.S.C. Sec. 1681i ( a ), they have to show what methods they use and who they talk to regarding this debt, but I have not received any verification of debt and it has been over 90 days of disputing and requesting accuracy on my file, this has been exhausting and taxing on my mental, emotional and physical well being. 

the 2 accounts on my report are : 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 non-monetary relief
Consumer complaint received 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-07-28
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX my current and only address is XXXX XXXX XXXX XXXX OH XXXX. My date of birth XXXX. 
I have XXXX addresses on my file that I never lived at these address, they belong to my EX-girlfriend I have nothing to do with any of these addresses XXXX XXXX XXXX XXXX XXXX OH, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OH,XXXX Please send me a new credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-08-04
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 affiliation with these creditors and I did not make this inquiry. Please remove it 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 2022-09-19
Company: ALLY FINANCIAL 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: Account status incorrect

Complaint:
We have disputed the late payments that Ally bank has been continually reporting incorrectly to the Credit bureaus who have continued to keep reporting while we were in XXXXXXXX XXXX bankruptcy even though we have disputed it more than 20 times in the past XXXX XXXX XXXX. 
We filed XXXX XXXX Bankruptcy on XX/XX/2020 : ( # XXXX ) Bankruptcy was dismissed on XX/XX/2020. During that time, Ally Bank continued to report late payments on account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/2020 payment late XX/XX/2020 payment late XX/XX/2020 payment late XX/XX/2020 payment late XX/XX/2020 payment late XX/XX/2020 payment late. 
During that time we were under the bankruptcy umbrella and according to law should not be reported. We have requested countless times for the late payments to be removed during and after bankruptcy and they continue to keep the information on our credit report. We are so frustrated and dont know what to do- thank you in advance

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 2022-09-19
Company: M&T BANK CORPORATION
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
People 's United Bank transitioned to M & T Bank on XX/XX/2022. 
I have been unable to get bank statements for my personal and business accounts prior to this date. 

I am attempting to close on a loan and was told that " only the division presidents can get you this. '' I called for support and was on hold for 2 hours to be told this. 
I went into a branch and was told this. 
When I attempted to write a question in my on-line account it said " we are not accepting on-line questions due to high volume. '' Access to my past bank statements should occur and this lack of transparency in the change is affecting my ability to do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: EQUIFAX, INC.
State: VA
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 have reached out to these companies to remove the fraudulent items and no help I am a victim of identity theft accounts were created please remove these fraudulent inquiries XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation