BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-20
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I gave Authorization to XXXX by a signed notarized consent for CFPB to investigate my complaint. Authorization was mailed in and called in. I also attached a copy of my authorization with my complaint. 

I XXXX XXXX have contacted XXXX now for over an year to delete the following account and it has been refused to be removed. I mailed a dispute for this same account more than XXXX times. I have submitted XXXX Affidavits. This information still remains on my credit report negatively affecting me from pursuing purchases or credit cards. For the following Identity theft Account XXXX ( {$660.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opening date : XX/XX/2019 This is not mine.

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 2022-04-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Credit Bureaus stated the below accounts were properly investigated from letters sent certified mail on XX/XX/2022 but how is that possible if the open dates are inaccurate, the date of last activity is inaccurate, and the date last reported is not accurate. This is grounds for immediate removal of all accounts. They also violated my rights under 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

I have not given these accounts written permission to furnish these accounts on my credit report. 

XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX  Acct # XXXX, has violated my rights XXXX XXXX XXXX  Acct # XXXX, has violated my rights XXXX XXXX XXXX  Acct # XXXX, has violated my rights XXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX XXXX  Acct # XXXX, has violated my rights XXXX XXXX XXXXXXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX  XXXX Acct # XXXX, has violated my rights Acct # XXXX, has violated my rights Acct # XXXX, has violated my rights Acct # XXXX, has violated my rights Acct # XXXX, has violated my rights XXXXXXXX XXXX XXXXXXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX Acct # XXXX, has violated my righ

ts 15 U.S.C 1681 section 602 A. States I have a right to privacy. 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 the records of convictions of crimes which antedates the report by more than 7 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
Consumer complaint received 2018-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I have found out this firm has opened cases against me but i've yet to be served. I've previously informed them that my income is from social security and is protected. I am XXXX years old with XXXX and still recovering from a XXXX, this is becoming an undue stress for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: DISCOVER BANK
State: WI
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 gave Authorization to XXXX by a signed notarized consent for CFPB to investigate my complaint. Authorization was mailed in and called in. I also attached a copy of my authorization with my complaint. 

I XXXX XXXX have contacted XXXX and Discover Card now for over an year to delete the following account and it has been refused to be deleted. I mailed a dispute for this same account more than XXXX times. I have submitted XXXX Affidavits. This information still remains on my credit report negatively affecting me from pursuing purchases or credit cards. For the following Identity theft Account. Discover was also notified. Im unable to apply for a Discover card due to this fraudulent account. 

XXXX XXXX XXXX XXXX  ( {$1700.00} ) XXXX XXXX XXXX, XXXX, XXXX XXXX Opening date : XX/XX/2019 This is not mine. I am a victim of ID Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: Caliber Home Loans, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am a home owner and I make my payment electronically every month without fail. I received an email on XX/XX/XXXX telling me that my lender is adding a {$3.00} fee for this type of payment. And the only way to avoid these payments will be to register for automatic payments from my account, or to pay by check. I have no interest in using automatic payments and think its very inappropriate for my lender to force me to do so. I will have to begin paying by check which is an outdated and slow process that can lead to late fees. Now I will have to write and mail a check BEFORE I get paid to ensure my payment is posted on time. 

If I was not paying attention, and many people don't, these fees would add up to more than {$1200.00} over the term of the loan. This kind of revenue stream is predatory in nature and is designed with only the bank in mind and complete disregard for the consumer. 

It's unfair and should not be allowed. I hope the CFPB hears from other homeowners and requires Caliber to reverse this policy immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Discussed the information with Transunion that XXXX charged off in XX/XX/XXXX, now a new charge off is on my account stating the account was closed in XX/XX/XXXX. I 've never been notified about this bill being reinstated..the debt was not reporting on my credit 5 years ago, or even 2 years ago. It 's already affected my credit in XX/XX/XXXX for seven years, I 've been turned down credit recently, and now I 'm being given additional negative reporting against my credit beyond the original 7. I was XXXX when my debts accumulated. Trying to recover my credit and get back on my feet. Disputed with Transunion and a non- English speaking individual told me that my credit report that was disputed looked correct. Even after saying the debt is more than 7 years old. First charge off was XX/XX/XXXX, this charge off is XX/XX/XXXX, no other collection company is listed. No bills or collection companies have notified me. Why do they get to put this back on my credit after being on there for 12 years ago? And yet the XXXX guy said it appears to look correct? What? The last guy I spoke with asked me to show proof of the first charge off..?? Until I mention if he notice the last payment was on XX/XX/XXXX. What kind of company waits 12 years to charge off a second time? Not just once in XX/XX/XXXX but again in XX/XX/XXXX. 

This was my third dispute. One online, two on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Thank you for your time. I have been going back and forth with all XXXX credit bureaus XXXX, Transunion, and XXXX. Over the last couple years have sent endless letters. I have called to have my wrong information removed they still haven't removed the wrong names and addresses. They always send back information verified. So i ask for the validation of the information and I'm never given any real validation. I'm victim of the XXXX breech which has comprised my identity because someone has access to my personal information. I would like for all these accounts to be deleted off of my record. Below are all the accounts that need to be removed XXXX AND XXXX XXXX ACCTXXXX XXXX XXXXXXXX AMOUNT- XXXX XXXX XXXXXXXX XXXX XXXX AMOUNT- XXXX XXXX XXXX XXXX ACCT. # XXXX AMOUNT - XXXX XXXX XXXX ACCT. # XXXX AMOUNT- XXXX Please take a careful look at these accounts and remove them please. Thank you for your time and patience.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
During the month of   XXXX   XXXX     I was trying to purchase a home and had tons of paperwork. I do not think it is suitable to walk into an establishment to begin the mortgage signing process and the mortgage  officer want t o talk about my VA  XXXX , do n't I want to get better, and go into how he is a pastor and has a  26  week program to help me get better. ( He was referring to my   XXXX   XXXX   XXXX   XXXX  . ) He insisted on seeing exactly what the name of my actual  XXXX  were, for I had marked the name and only the name of the  XXXX  out for privacy. I did not mark out any numbers. Only the name. He told me he has sent many  Veterans throug h his church on th e 26 week program  and they never had problems again. He told me I have probably been burned by  XXXX  and that 's the reason I do n't go to c hurch. ( Not once  did I ever say I was burned or bring up religion with him. And why did he think I was  XXXX ? I am still offended by that and still think it was racially motivated. Why would he assume  XXXX ? ) He showed me a short film of the cult/organization he is associated with. Is this how he got other Vets to join his church? When they first come in to sign mortgage documents? This man also told me it : " was his mission as my pastor to help me find goals in life and to find my purpose. '' ( He is not my pastor and I never asked him to help me find goals or my purpose ) I had to ask several times for his supervisors name. When I got it, I sent both an email and called a couple of times and stated I wanted to talk to him about his employee. The supervisor and I left a couple of messages back and forth and I left the last message without the supervisor ever following up.   I will Never recommend this company for their mortgage needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
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:
First off let me start by saying that THIS IS NOT A REINVESTIGATION REQUEST. I've made several attempts to remind your of your obligations pursuit to 15USC 1681. It seems as if you are intentionally and willfully being neglectful in remedying my affairs. USC 1681E ( b ) assures that I am due, promised accuracy in my report based on federal law. I am sending this complaint as another attempt to have these errors corrected. 15 USC 1681 ( A.5 ) says that after the reinvestigation all of the unverified information must be promptly removed. As you can see from your records, these accounts were disputed without being properly investigated, thus I know that they can not be validated or verified. The accounts that I am referring to are listed below XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-04-25
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: Account status incorrect

Complaint:
Hello, thank you for any help that yo u may be  able to provide. I have called in to  XXXX  and have asked that info be updated properly. I even spoke to a yound lady that sent me a letter stating that an account was indeed paid in full and I sent to  XXXX ,   XXXX   and Equifax and my reports have not been updated.   I called into   XXXX   and let them know that I was a victim of their inquiry issue and that there were items that were not correct on my report, I sent in proof and customer service would not help and take care of the negative inquiries reporting to my credit report.       Please help, I am not getting anywhere.     The inquiries are listed as :   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
Consumer complaint received 2017-04-25
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
contact  XXXX  letting them know this is not my account. Also contact ed Santander they   state they do not have me in their system. This is not my account at all.   XXXX   has my birth year incorrect along with address that I never lived at. This is not my account never had an autoloan until last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Thank you for your time. I have been going back and forth with all XXXX credit bureaus XXXX, XXXX, and Experian. Over the last couple years have sent endless letters. I have called to have my wrong information removed they still haven't removed the wrong names and addresses. They always send back information verified. So i ask for the validation of the information and I'm never given any real validation. I'm victim of the XXXX breech which has comprised my identity because someone has access to my personal information. I would like for all these accounts to be deleted off of my record. Below are all the accounts that need to be removed XXXX AND XXXX XXXX ACCT. # XXXX AMOUNT- XXXX XXXX ACCT. # XXXX AMOUNT- XXXX XXXX XXXX XXXX ACCT. # XXXX AMOUNT - XXXX XXXX XXXX ACCT. # XXXX AMOUNT- XXXX Please take a careful look at these accounts and remove them please. Thank you for your time and patience.

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 2022-04-27
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX Has violated my rights.

15 u.s.c 1681 section 602 states I have the right to privacy.

15 u.s.c 1681 section 604A section 2 : it 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 non-monetary relief
Consumer complaint received 2021-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account has been on hold and funds not available since XXXX XX/XX/2021 I receive a ppp loan in my savings account for XXXX capital one has given me a run around and has said to close my account but yet I havent received a payout check and my account isnt closed yet

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: EQUIFAX, 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: Account status incorrect

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. Upon reviewing my updates, incorrect information was found in my reports. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: SECURITY FINANCE CORP
State: ID
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
End of XXXX or Beginning of XXXX they called my cell phone I had Covid and was winded and could barely talk so I handed the phone to my sister ( boyfriends sister ) and when they asked if this was XXXX she said no the employee went on to give out information including payment, told her it was past due, asked her for a payment at no point did they ask for any identifying information to make sure they were talking to me this is a real problem so the next time they called I confronted the employee he apologized however I wanted the issue fixed so I got in touch with the district manager who got my side and then the employees but they differ as to what happened so all they are willing to do is remove the late fee I dont feel this is reasonable because weather Im right or the employee is right they still did not identify identity before releasing information

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 2017-04-25
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to loss of job and divorce I got behind on payments. I realized that I could n't catch up so I listed the house for sale with  XXXX   XXXX  as a short sale in  XXXX   2016 . They got an offer shortly thereafter which was over the listing price. They contacted the servicer and tried to initiate the short sale but have never received a call back for the loss mitigation department fro m Carrington Mortgage Service. They have tried to contact the executive office and no one will assist with pu tting them in contact with anyone in corporate. I filed bankruptcy once to stop the foreclosure but the realtor is still not able to get in touch with anyone from the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity and personal information was stolen without my knowledge and or consent. Accounts were opened and services applied for without my knowledge and or consent. I have notified these companies and tried to resolve the issue with them to no avail. They refuse to close these accounts and remove them from my name and credit reports.

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 2021-11-20
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent letters to all XXXX credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over XXXX days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In  XXXX    XXXX   my husband 's employer  XXXX  went on strike at which time paying our mortgage became difficult.We were offered a forbearance program through  wells Fargo  in which we would make reduced payments for 6 months and then apply for permanent modification at end.We made all payments on time when it came time for modification everything requested was sent in and then modification was denied saying we could afford payments.We can afford payment however they requested.the arrears of mortgage payments up front and we did not have  XXXX   XXXX  dollars so they sent a foreclosure notice with only thing offered being short sale or deed in.lieu.This has been our home for  32 yrs so we went to our local bank to refinance only to be denied because wells Fargo had reported our mortgage delinquent since beginning of forbearance.Now no one will   finance us with a  XXXX   credit score and  we can not even qualify for a home equity line to save our home even though we have  XXXX  in equity.So we will be losing our home if no one will help us!

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 2021-04-02
Company: The CBE Group, 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 have made several efforts to resolve this matter directly with The CBE Group. 
I have never done business with this company and there is no signed agreement with the company bearing my signature. I am requesting the collection item be removed from my credit report, all three Credit bureaus and collection efforts stopped immediately.

Company response to consumer: Closed with explanation