BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-04
Company: EQUIFAX, INC.
State: AZ
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 was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any unauthorized inquiries which were opened without my knowledge, consent or authority. The following inquiries need to be removed as they are fraudulent. 

XXXX XXXX : XXXX XXXX AZ Balance {$0.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX F XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XXXX XXXX AZ XXXX Balance {$0.00} INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXI XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Strategic Alliances, 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: Information belongs to someone else

Complaint:
I have contact the company multiple times letting them know I have never done business with their company nor the company that they are reporting for. They have advised me that it would be removed from my report but they continue to report the information

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: ENOVA INTERNATIONAL, INC.
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I told the representative I rather mail in payments and they told me they could removed my banking information and I told them to cease all verbal communication only mail and they refused to remove all numbers

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Foursight Holding LLC
State: VA
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:
There are Inquiries that are reflecting on my credit report that I have not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: WELLS FARGO & COMPANY
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
While banking with Wells Fargo multiple fraudulent overdraft fees were placed on my account. I had previous called and checked the available balance in my account and most recent transactions to ensure that the money was available and all transactions were up to date. On XXXX/XXXX/2016 I had a available balance of XXXX, after spending {$5.00} to grab some food in my account multiple overdraft fees were posted for every transaction on my account. I have screenshots of the balance in my account before making my transactions. I immediately contacted Wells Fargo, no one would explain or provide assistance. Today I called Wells Fargo again to place a complaint, I spoke with ( XXXX ) who would like me speak with the manager but was adamant about making me pay the overdraft fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-04
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:
Provided the FTC report to the reporting agencies and they have not rectified the issue. Unauthorized inquires listed below need to be removed immediately : XXXX XXXX XXXX  Miscellaneous Reptg. Agencies XX/XX/XXXX Equifax XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX Equifax XXXX XXXX Credit Unions XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX XXXX Reptg. Agencies XX/XX/XXXX Equifax XXXX XXXX XXXX Reptg. Agencies XX/XX/XXXX Equifax XXXX XXXX XXXX Reptg. Agencies XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX  Miscellaneous Reptg. Agencies XX/XX/XXXX Equifax XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX Equifax XXXX XXXX other than personal XX/XX/XXXX XXXX XXXX XXXX XXXX other than personal XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX personal XX/XX/XXXX XXXX XXXX Department, variety , local, regional, and national chains XX/XX/XXXX XXXX XXXX XXXX  and XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Miscellaneous and public record XX/XX/XXXX XXXXXXXX XXXX XXXX  Miscellaneous and public record XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: NAVY FEDERAL CREDIT UNION
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
i was approved for a checking account with navy federal. I was sent a debit card, account number, and a welcoming email. after my sister asked about the XXXX referral fee I was then told that my account was fraudulent and denied access. I was told that I could not have any access because my sister and I have different last names. but we have the same parents. I was told that I could use my marriage license on the phone but when I got there I could not use my marriage license. I was basically told that I was liar and my money would be sent back to the irs even though my son gave me the money from his tax refund so basically I was not only called a liar but a fraud. I have not done anything wrong. my son called which he is a member to verify he gave me the money he was told that there is nothing he could do. my mother and father are deceased. my sister name is XXXX but was born XXXX dob XXXX/XXXX/1965 in XXXX which now she resides in 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 2015-09-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
On XXXX/XXXX/15, I lost my debit card and a single check. I went to the bank and filed a lost/stolen card, and set up a new bank account. I went through all the charges that were bad, and disputed them. I also advised other charges that were previously authorized, that I recognized. One of them being a payment for {$180.00}, and advised that was for one of my bills. The bank acknowledged that and also again acknowledged that on XXXX/XXXX/2015, when they followed up with me. I later find out that they reversed the payment, because they mistakenly considered apart of the dispute. This reversal caused my account with XXXX to be suspended because of non-payment. I had a payment arrangement and because the bank reversed the payment without my knowledge, I am now required to pay the full amount, and I ca n't pay that, hence the reason for the payment plan. I reached out to the bank today, I was on hold for over 40 minutes while they were " researching '' the issues, and the best they could come up with is provide me with a letter of apology to me and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was a customer of Wells Fargo for many years. While I was a customer they requested at every chance they got for me to choose paperless statements, so I finally gave in so they would stop asking and to help the environment. Now that I have closed my account I have no record of any activity or history as all of the statements were stored on their site. I called today to ask for a copy of XXXX statement and they told me that because I had no active account to bill the {$5.00} serve charge, I would have to mail a request with a {$5.00} money order. I wish I would have known that I would have no access to my information BEFORE I closed the account. I feel as though they are holding my statements hostage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Provided the FTC report to the reporting agencies and they have not rectified the issue. Unauthorized inquires listed below need to be removed immediately : XXXX XXXX XXXX  Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX Reptg. Agencies XX/XX/XXXX XXXX XXXX XXXX XXXX Reptg. Agencies XX/XX/XXXX XXXX XXXX XXXX XXXX Reptg. Agencies XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX XXXX Finance, personal XX/XX/XXXX TransUnion XXXX Department, variety , local, regional, and national chains XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous and public record XX/XX/XXXX TransUnion XXXX XXXX  Miscellaneous and public record XX/XX/XXXX TransUnion

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 2022-06-04
Company: Experian Information Solutions Inc.
State: MI
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2015-07-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Prior review to a compliant that I had received a check due asc put forced insurance on me when I had homeowner insurance asc was getting kick back by place every client on forced insurance and there was class action suit well I was told since I was under review the money went back to escrow since my house is sold during a review the week XXXX day prior I sent doc of course missing doc, I want my check that due to me, next issue the bank was using a higher appraisal then discover after the fact there was a lower appraisal by XXXX lower and admitted that they should have use that after the fact that discrimination the that I 'm XXXX and my son is XXXX between all income totals up XXXX XXXX dollars a month so I was n't sent a letter of the sale date prior to it happening and suppose a there were deadlines where the letters stating that where the copy requesting a postponement of sale date to there lawyer, I was told over the phone that is n't legal and when I asked about the escrow I was told I do n't get it back, I do n't place the force insurance I had insurance that was paid for I want that money back asap they promise XXXX Mos of good credit history never happen

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My personal information was compromised. Someone is trying open up credit card accounts in my name without authorization. When I called the individual companies, they said they can not do anything about it. 
Here are the inquiries in question. 

XXXX XXXX/XXXX/15 Finance XXXX XXXX/XXXX/15 Oil And National Credit Cards I am requesting validation, made pursuant to the Fair Debt Collections Practices Act. I am requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Continuous calls to cell after being advised and requested on multiple occasions to cease and desist. Requested proof of debt as stated by the FDCPA yet debt company refused. Representative " XXXX XXXX '' threatened a law suit if action not taking. Calls to cell 3-5 times daily for the past 8 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: Ditech Financial LLC
State: DE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Your options do not provide the option in this instance. 

Greentree is improperly reporting my debt to the credit bureaus. I have disputed the date of last activity on the account and they continue to report it. In the attached letter they accuse me of trying to change their reporting to the bureaus. They go on to state that they " make every attempt to ensure the information reported to the bureaus is accurate and correct. 

But just looking at the trade line ( attached ) you can see that they reported the item in XXXX of 2014 but list the Date of Last Activity as XXXX of 2014. It is impossible for Greentree to list payment activity for the month FOLLOWING the report date. If anyone is trying to manipulate dates, it is Greentree. By continually advancing the date of last activity, they are pushing the obsolescence date forward to keep this debt on my credit report indefinitely. 

The Fair Credit Reporting Act. Section 611 ( a ) ( 5 ) ( A ) ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. 

I have correctly disputed this obvious error and the bureaus have left it on the file ... subsequently Greentree sent this letter stating that they make every effort to assure that their reporting is correct and therefore have the ability to predict future activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
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: Information belongs to someone else

Complaint:
I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. I want to dispute fraudulent items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
13 months ago I took out an FHA home loan through Wells Fargo. We were in a hurry to close on the home because we had a baby on the way and wanted to be in the house by the time he arrived. After being treated extremely disrespectfully by our Wells Fargo home loan representative we finally closed on the house. In a hurry to get into the house we did everything necessary to expedite the process. We went through the FHA program for our house, but there were serious issues that were never addressed, and should n't have passed FHA guidelines. We had peeling paint all over the place, a huge horizontal crack in the foundation of the basement, along with a bowing wall which indicates major foundation issues. Beyond that we have a support beam that is significantly sagging. All of these issues have been present since day one, and only after researching FHA loans did I come to the conclusion that these should have all been fixed. My opinion is that the Wells Fargo representative was solely looking out for himself, and would do whatever was necessary to accumulate another sale. Ultimately I am worried about the structural safety of the building, and I am left wondering why none of these issues were considered a red flag for the lending institution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: Experian Information Solutions Inc.
State: NH
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:
XXXX complaint was received by XXXX XXXX from XXXX on XX/XX/XXXX. ( XXXX ) XXXX dated their response to my complaint as XX/XX/XXXX. ( XXXX ) The envelope that I received from them showed that it was mailed on XX/XX/XXXX. ( XXXX ) It appears as if XXXX engaged in mail fraud in order to make sure the negative items were not deleted within 30 days, as is required by the FCRA when there is no response within 30 days. When I originally sent out the complaint, I sent it out at the Post Office on 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 2022-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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:
XXXX complaint was received by XXXX XXXX from XXXX on XX/XX/XXXX. ( XXXX ) XXXX dated their response to my complaint as XX/XX/XXXX. ( XXXX ) The envelope that I received from them showed that it was mailed on XX/XX/XXXX. ( XXXX ) It appears as if XXXX engaged in mail fraud in order to make sure the negative items were not deleted within 30 days, as is required by the FCRA when there is no response within 30 days. When I originally sent out the complaint, I sent it out at the Post Office on 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 non-monetary relief
Consumer complaint received 2015-05-19
Company: UNITED MORTGAGE CORP
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
This company lied to me about including my escrow in my mortgage despite verbal consent by the mortgage provider that I was not going to have the mortgage and property taxes included in escrow. When they said they were going to work on resolving the issue, instead they sold my mortgage to another bank with the escrow. Then XXXX said he would refinance me at no charge to remedy the situation, yet, after that, he stopped responding to any calls or attempts to communicate with him. This company is deceitful and misleading, and promises things that they do not hold up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On XXXX/XXXX/2016 I received an alert that Transunion had decreased my scores by XXXX points. I called and spoke with them and they said that I had negative items an my report. I told him that these negative items carried zero balances and the only recent activity on my report was an inquiry and that did n't amount to a XXXX point decrease. They also removed an account earlier from my report that I 'm still making payments on. I have n't seen that account on my report since XXXX. Why would they remove accounts from report that is active and timely payments are being made on this account.

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