BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-23
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Subject : Complaint Regarding Credit Scoring Practices and Consumer Treatment Dear Sir/Madam, I am writing to lodge a formal complaint about the current practices surrounding credit scoring and the treatment of consumers, especially in times of financial hardship. 

Firstly, I have observed and experienced firsthand that credit scores are quick to reflect negative information, resulting in rapid downgrades. In contrast, improvements in one 's financial behavior take an overly slow and inconsistent time to be reflected in their credit score. This asymmetry not only affects consumers ' ability to access credit but also implies a system that is unforgiving and does not adequately reward positive financial behavior. 

Secondly, it is concerning that paying off debt, which is inherently a positive financial move, does not seem to be adequately recognized as such within the scoring system. This disincentivizes debt resolution and could potentially trap consumers in a cycle of debt. 

Moreover, I believe there is a significant oversight in the lack of facilities or accommodations for individuals who lose their employment. The current system does not provide sufficient support for those who are actively trying to improve their financial situation by bootstrapping or seeking new employment opportunities. 

The reliance on unemployment benefits as a means to support individuals during job transition or after redundancy is, in my experience, inefficient and inadequate. The process is often cumbersome, the support is minimal, and it does not align with the dynamic nature of the modern workforce nor the rapid pace of change in the job market. 

In light of these concerns, I urge the CFPB to consider the following actions : 1. Review and address the imbalance in credit scoring dynamics to ensure timely recognition of positive financial behavior. 
2. Recognize debt repayment more positively in credit scoring metrics. 
3. Develop more supportive frameworks for individuals facing unemployment or financial disruption, which facilitate a smoother transition and empower consumers to regain financial stability. 

I trust that the CFPB will take this complaint seriously and look into these issues with the aim of making necessary reforms that are fair and beneficial for all consumers. 

Thank you for your attention to this matter. I am willing to provide further information or clarification as needed and look forward to your response. 

Sincerely, 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 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

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 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 2022-07-30
Company: Johnson Mark LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022 I was sent communication from my payroll department about a wage garnishment. I went to the courthouse and filed a motion to stop wage garnishment. I called Johson Mark LLC at XXXX and spoke to a representative who informed me the call was recorded, I told her that the debt was not mine, it was my sisters debt and I was not a spouse to her, the rep told me that she would send an Email to the attorney and to follow up. I followed up and the next rep I spoke to looked into the Email and I was told that the garnishment would not be stopped, I told her that I was not responsible for the debt and she began to be condescending and basically told me that theres nothing I could do. After advising the firm that its not my account and Im not responsible for the debt. It is embarrassing that my employer has to deal with this which is not mine. Its causing a hardship on to me, it is affecting my emotional well being. Im constantly worried. This is not right to do to people that advice that the debt is not theirs and still no communication. Im not the first person this company had unreasonably gone after people and harassment. What proof is there that 1. I am responsible for her debt 2. She is in fact my sibling. My rights have been violated and Im seeking to be reimbursed for monies with held through this unfounded obligation of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgagee was transferred to Nationstar/Mr. Cooper effective XX/XX/XXXX. When it was transferred I had a FHA loan. Nationstar/Mr. Cooper reported on my credit report that I had Conventional Real Estate MTG mortgage and Conventional Re Mortgage, Date Opened XX/XX/XXXX this is untrue. On XX/XX/XXXX, I never opened a Conventional Real Estate MTG mortgage or Conventional Re Mortgage, Ever. Under the Fair Credit Reporting Act ( FCRA ), I have the right to fair and accurate reporting of my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 have sent proof that the balance is incorrect on 3 times to XXXX and Transunion and they refuse to remove the inaccurate info on my credit report. XXXX and XXXX have both removed this inaccurate information but Transunion refused to properly investigate this matter. The account is for XXXX XXXX and the balance they show is {$620.00} which is not correct. It should have been closer to {$300.00} because I have made payments to the original creditor after XXXX is stating they bought the debt. The original creditor informs me that I dont even have an account with them and it shows that it was closed with no balance. Im not sure where XXXX came up with their amount. the only proof they keep showing me is an old statement from the original creditor that was not even the latest bescause I have a more recent statement that shows the balance being wrong. I never had any type of account with XXXX so why are they lying and reporting false information and why hasnt after 3 times that Transunion won't do a proper investigation. They keep sending me letters that shows the account is accurate despite the proof I have sent them. 


I have attached the latest report after sending proof of an incorrect amount and the proof that they did not remove it off of my credit. 
I am also sending the last statement from the original creditor

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 2022-07-30
Company: Exeter Finance Corp.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Purchased auto loan on XX/XX/2022 from XXXX dealership in Virginia. I am a resident of the State of Maryland and presented dealership with all documentation ( pay stubs, utility bills, auto insurance, driver 's license ) which reflect Maryland residential status. After reviewing loan documents auto loan interest rate is 28 %. State of MD maximum is XXXX XXXX The total purchase price of the vehicle is {$31000.00} and is financed over a period of 72 months. The approximate payment amount should be {$850.00} instead of {$920.00} ( what finance company, " Exeter '', lists ). Over the life of the loan that is in excess of {$4900.00}. I called Exeter  to explain their error and they agreed I was correct, however, they bounced me back to the dealership. I believe Exeter knowing booked this deal with the higher interest rate. The company is supposed to have a system of checks and balances in place so this would not happen ( XXXX XXXX ). If this has happened to me, and the loan has just been booked ) how many other people has this happened to? The rep was left speechless and could not provide ANY type of response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Listed Below you will find items reported on my XXXX Credit report that 1. Do not belong to me, 2. I have no knowledge of this account, 3. Written instructions were not give in in accordance to 15 U.S. Code 1681b ( 2 ). 

- XXXX XXXX XXXX {$700.00} - XXXX XXXX XXXX {$960.00} - XXXX XXXX XXXX {$1000.00} - XXXX XXXX {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Applied Data Finance, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a loan in XXXX of 2021 from the lender. While I know a debt is owed, I think I may have been subjected to predatory lending. My interest rate is 148.50 %. I started to research the company online and there are several lawsuits pending against the lender for extremely high interest rates. At the time I received this loan, I thought this was legit and did not question it. I reset my browsing history on my phone and when I looked this company up to log into my account that is when I came across red flags that this may be a predatory lender. I stopped making payments because I am not sure if this is legal or not. I also sent notification to the company revoking ACH authorization for payments. It has now been referred out to a collection agency called XXXX XXXX, XXXX. I think the interest rate is above the legal cap allowed in North Carolina. This prompted more research and I came across this site : https : XXXX  which mentions this lender by name for their extremely high interest rates and how certain states do not allow this lender to operate. 


Personify Financial was the company I got the loan from. It appears they originated the Loan from XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, UT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: LEXISNEXIS
State: CA
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: Public record information inaccurate

Complaint:
o Whom it May Concern, My name isXXXX XXXX, the last four of my Social Security number isXXXX. 

This letter is to formally inform you that I recently received a copy of my consumer report that your company publishes.My Consumer Number : XXXX and Case Number : XXXX. After areview of my consumer report, I found an item that is inaccurate. The account in question is a BANKRUPTCY. Listed under BANKRUPTCY FILING # XXXX, Bankruptcy Court Details : XXXX XXXX XXXX. Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the bankruptcy. I have contacted the court listed on my consumer file and the court informed that they do not have a record of bankruptcy under my name, full social security number and date of birth They informed methat they do not send any information for anyone bankruptcy to LEXISNEXIS and that you may have got information from XXXX in which it is not complete per the bankruptcy court. Lastly, I did not file a bankruptcy so please explain how you got this information. I would think before you list adverse information on my consumer report you would verify that you have the complete personal information of a consumer, that includes full social security name, full correct name, address and date of birth. I want you to remove this bankruptcy that do not belong to me from my consumer report. I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated report along with the investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: WELLS FARGO & COMPANY
State: WY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The reason I am submitting this complaint is due to the way in which I was treated by the Wells Fargo Bank employees and management in XXXX XXXX, Wyoming XXXX. 


This branch has by far been the worst bank I have ever had to deal with in my life! 

Management and Employees here were rude, disrespectful and at times extremely childish.

The management and employees here decided to call the police on me multiple times, for just trying to make my payment, all because they didnt want to sign a document proving that I provided them with my payment. 


This complaint is also directly against XXXX XXXX XXXX a Security Agent with Wells Fargo Bank Corporate Security. Due to her conduct and behavior as well as for setting up and placing a no contact order against me while I still had active business with Wells Fargo Bank!

This bank discriminated against me due to my XXXX, that I suffered while serving on XXXX XXXX in the XXXX XXXX XXXXXXXX XXXX and this bank refused to work with me or come to a compromise in order for me to continue my business with Wells Fargo Bank which caused extreme undue hardship not only on myself but my family, relatives and close friends. 


This complaint is about the Wells Fargo Bank not any other department of Wells Fargo. The First complaint I filed was sent to the wrong department! This complaint must be sent to the WELLS FARGO BANK!

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 2022-09-27
Company: EQUIFAX, INC.
State: NV
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:
This is my multiple attempt to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any items in my credit record that came about due to an alleged theft. 
XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XX/XX/XXXX ; DEPT OF ED XX/XX/XXXX ; XXXXXXXX XXXX XXXX  XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
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:
XXXX Accordance with the Fair Credit Reporting Act XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX, Experian, and XXXX are in violation of the FCRA. They are reporting inaccurately on my Consumer reports account number : XXXXThe date opened is inconsistent. XXXX has- XX/XX/2022 Experian has XX/XX/2022, XXXX has - XX/XX/2022 as well as the date of last active ; XXXX has XX/XX/2022, Experian has XX/XX/2022, and XXXX XX/XX/2022. Remove this account from my report for inaccurate reporting.

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 2022-07-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXX, and Equifax are in violation of the FCRA. They are reporting inaccurately on my Consumer reports account number : XXXX.The date opened is inconsistent. XXXX has- XX/XX/2022 XXXX has XX/XX/2022, Equifax has - XX/XX/2022 as well as the date of last active ; XXXX has XX/XX/2022, XXXX has XX/XX/2022, and Equifax XX/XX/2022. Remove this account from my report for inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
The month of XXXXXXXX XXXX XXXX didnt and still havent updated my information this is wrong because I called them Im a business owner and my personal credit its all never updated got ta continue to call over and over email over and over Experian had the wrong business address I have called them asked them to update my information for chase to approve my business and Experian is going through a big law suit because of not updating information so XXXX XXXX denied me then a couple weeks later Experian sent me a email saying we updated your address but chase already ran my credit took my inquiries and no credit established for me but a bunch of inquiries because of Experian not updating my information Im suffering from all them doing this please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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