BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
When I reviewed my credit report I am disappointed because of these information still can be seen in there. I feel like I'm being taken advantage of for being ignored by my disputes. I'd informed you so many times that these items are apparently inaccurate and incorrect.

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 2021-07-25
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: 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 {$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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. 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 2017-11-29
Company: LDF Holdings, LLC
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
701 % APR interest charged on a {$1200.00} loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have tried on several occasions to get this company to validate this debt meaning get copies of the entire account including payments so I can determine what was actually mine and what was fraudulent because my accounts were compromised. Resurgent Capital Services is working on the behalf of LVNV Funding LLC which purchased the debt from XXXX XXXX/XXXX Account. The only item I received was a closeout statement from XXXX with no detail attached. Please see the attachment. 

LVNV is also using deceptive practices in an attempt to cause additional harm to my FICO or XXXX score by listing itself as a Retail Company instead of a collections company. It has listed this loan type as a factory company. Additionally, it is stating my first delinquency was XX/XX/2019 to impact my score even further to trick the scoring system into believing that this is a recent late payment. Please see the document that Resurgent provided stating the charge-off date of XX/XX/2019. Even if this company purchased the debt on XX/XX/2019 legally they must report the actual charge off date. Lastly, if the charge off date was XX/XX/2019 how could LVNV report as the " Date Major Deliquencey First Reported '' of XX/XX/2019? 

In a further effort to drive my score down this company is listing a past due balance when, in fact, they are a collection agency and if the company, i.e. XXXX XXXX has already written this off on its profit and loss. I understand that a collection agency can report an outstanding balance but not list it as a past due balance. 

I believe this company has engaged in deceptive practices to harass me into paying a debt that they have been unwilling to validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: 1ST ALLIANCE LENDING, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/ 2018 I applied for an FHA loan with 1st Alliance lending.I was seeking a pre-quailfying letter. I was told I couldn't be given a yes or no with out providing further documentation. I submitted the documentation and asked will I be issued a pre- qualifying letter to apply for my down payment assistance program with my state. I was told the laon had to be underwritten first. Which I am not understanding why the loan needs to be underwritten before I can be told yes or no. Here is the response I receiver from the agent. ( please see below ) I thought the response to be uninformative and disrespectful. 

Hi XXXX, You have an extenuating circumstance loan. We always want the extenuating circumstance to be approved by the underwriters BEFORE we issue a prequalification letter. If you want to ask XXXX if they will write an extenuating circumstance loan prequalification letter before seeing documents please do so. But they dont even write loans for credit scores under 600. 

The only reason I will EVER ask for anything is so we can write the loan. If you are really serious about buying a home then this is what we require for documentation. I will never ask for unnecessary documents. 

Let me know if you want to proceed. 
XXXX XXXX Home Loan Consultant 1st Alliance Lending , LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CT XXXX XXXX Toll Free : XXXX Local : XXXX Fax : XXXX www.1stalliancelending.com

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2022 at XXXX, I received notifications ( via both the Discover Banking mobile app and email ) that Discover Bank XXXX noticed unusual activity on ( my ) account '', and that my account access had been suspended " for security purposes ''. I was given a number to call and was told to call " IMMEDIATELY ''. The notice also said quote : " Our 100 % U.S.-based customer service team is available XXXX hours a day, XXXX days a week. '' I checked that the number was correct ( Discover Bank 's Fraud and Phishing Detecting Hotline ), and proceeded to call the number. After being put on hold for an hour without any additional information, I hung up. 

Later that day at XXXX ( midnight ), I tried calling again. This time, I was redirected to an agent who told me that the Security department had closed for the night and to try again the next day. The agent also informed me that the department behind that hotline was only available from XXXX to XXXX EST. This was already in conflict with what the notice mentioned about their customer service team being available XXXX. 

I tried calling again the next day at XXXX, and was put on hold all the way until XXXX, at which point I could not remain on the phone due to family and working commitments. I called Discover Bank 's general hotline, and managed to speak to an agent who could only tell me that they could not access my account at all, and that the Fraud hotline was the only way I could do anything with my account. 

The next day I woke up at XXXX minutes before XXXX EST, and initiated a call exactly at XXXX EST to the Fraud hotline again. However, the machine-based system still put me on hold for over an hour once again. 

There is clearly nobody manning the phones behind this hotline that is supposed to have XXXX actual human support. This is made all the worse by the fact that the freezing of my account literally impacts my family 's and my ability to make purchases for daily necessities, such as groceries. 

Discover Bank really has no place in today 's financial world if all they can do is lie about how they are an online-only bank, and then provide such ambiguous process for customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have already submitted disputes regarding this issue and got no action. I have contacted this bureau multiple times requesting an investigation. I am verifying that this is me who is disputing these fraudulent items. I need this removed and blocked permanently

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 2020-01-10
Company: American Credit Acceptance, LLC
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: Their investigation did not fix an error on your report

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am writing to ask for your assistance with Wells Fargo Bank. 
Since last XXXX I have been trying to obtain the COVID -19 recovery modification for homeowners who can resume payments. 
Unfortunately Wells Fargo will not allow me to do so. I am currently restricted to speaking to one person in the home preservation department. 
I was only able to contact him in XXXX after trying for months. He told me I was approved for the modification in XXXX and had to pay the money from XXXX to present if I did not want to lose my home. This was XX/XX/XXXX. I was then contacted in XXXX informing me they could not complete the modification because they could not clear the title. I do not have any liens on the home and am unsure how the two correlate. I received notice in XXXX that they had cleared the title and to look for the documents to sign in the mail. In the meantime I was told I had to pay {$1900.00} a month until the process is complete. My previous mortgage payment was {$1800.00} and that was changed at the closing table. I received the documents in XXXX, notarized them and sent them back. I was contacted in XXXX, it was stated the county denied the modification because the title is not clear. I am so confused. 

I am in active bankruptcy. Prior to the pandemic I was paying Wells Fargo {$2000.00} a month with the hopes of the additional going towards the principal as well as the trustee payments. I have been compliant with all of Wells Fargo to date. Wells Fargo unethical practices and misleading behavior appears to be resulting in my children and I being XXXX. I was contacted and told they have to do a phone income review to see if I qualify for a modification at all. Why aren't I eligible for the COVID -19 loan mod? I have an FHA loan. They said they cant clear the title and the deceased my have airs to the home. The deceased was a co borrower only and is not nor have ever been the deed of the home. Please I do not want to be XXXX with my children. I don't know what to do and I am not getting much assistance from the Bankruptcy lawyer. 

Wells Fargo have also is fabricating documentation about assistance provided. they also presented a new closing disclosure at closing that was not the original provide prior. pleas see original disclosure attached. Wells Fargo deleted the bill pay history. Please see attached statement 's as proof of payments in XXXX as well. Payments stopped when the office shut down in XXXX during the pandemic in XXXX, But when they gave us the last payment in XXXX I paid Wells Fargo. Please see attached. please help me. I am have been in compliance with all Wells Fargo stipulations.

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 2020-01-10
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: CITIBANK, N.A.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022, I was informed via email my checking account was being closed & I'd recieve my funds within 30-60 days. Here it is, past 60 days & I have not received my funds. I have only XXXX dollars in my account. I was told a deposit that was sent over would not be accepted due to the account being closed but was later accepted. Funds still can't be used. I was told my account had fraudulent activity but was never informed or recieved any calls about anything. THEY TOOK MY MONEY.

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 2018-12-01
Company: EQUIFAX, INC.
State: GA
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 have some credit inquires in my credit report. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
n accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX, account name, XXXX XXXX, account, number, XXXX accoutname, XXXX XXXX XXXX, account numberXXXX  accountname, XXXX  XXXX  XXXX  account nuberberXXXX accountname,

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 2022-05-01
Company: EQUIFAX, INC.
State: GA
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 Acct # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: Experian Information Solutions Inc.
State: VA
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:
My identity has been compromised years ago and I've disputed these very accounts before. However, the 3 major credit bureaus has ignored my consumer rights that's afforded to me by the FCRA inwhich is supported by the FTC. The credit reporting agencies response to my disputes were " accounts been verified. Verified without any certified physical documentation, nor was I ever given accurate account of the process. Please provide me with the detailed Method Of Verification used in all these accounts inwhich I'm disputing and if you and/or your companies do not fully comply then you must remove, delete and/ or block the following accounts immediately as my rights vis the FCRA XXXX The accounts are as following. 
# 1 ) XXXX XXXX {$630.00} # 2 ) XXXX XXXX   {$740.00} # 3 ) XXXX XXXX XXXX {$91.00} # 4 ) XXXX XXXX XXXX {$0.00} # 5 ) XXXX XXXX XXXX # 6 ) XXXX XXXX {$6.00} # 7 ) XXXX XXXX XXXX # 8 ) XXXX XXXX XXXX {$6.00} # 9 ) XXXX XXXX XXXX XXXX {$1.00} # 10 ) XXXX XXXX XXXX {$1.00} # 11 ) XXXX XXXX  {$860.00} # 12 ) XXXX XXXX XXXX XXXX XXXX {$31.00}

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 2018-03-21
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Please remove the following unauthorized inquiries from my Equifax credit report : 1.  XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: Millennial Home Lending, Inc
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received an unsolicited letter that both envelope and letter were made to look as if it were a letter from the VA. No rate disclosure was attached. The phone number header stated : " VA Loan Service Center '', The letter heading stated : " VA Benefits Department ''. The letter also made mention of " tax Free '' options.

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 2017-07-21
Company: EQUIFAX, 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:
XXXX XXXX XXXX, XXXX. Pa XXXX I never lived at this address ( XXXX ) XXXX, ( XXXX ) XXXX are not my residential phone numbers. Remove XXXX name from my report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I have a duplicate charge from a XXXX for {$25.00} on XXXX/XXXX/16 and have tried to get it resolved with BMO Harris and the XXXX. Neither one is helping me and I do n't know how to get my money 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 explanation
Consumer complaint received 2023-08-03
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received mail from this company and do not know who they are, I have no contract with them, nor any permission to report anything, I sent a letter to verify their claim certified mail and they failed to respond.

Company response to consumer: Closed with explanation