BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-27
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I went online to Wells Fargo give my XXXX driver 's license information address security numberand date of birth and it couldn't confirm my identity. 

I think they're trying to XXXX me around because I'm an account way in the past and they're jacking me around.

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 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Reached out to XXXX multiple times for multiple months via CERTIFIED MAIL regarding unauthorized inquiries. They advised me to file an FTC report which I did. It has been months and no responses nor removals.

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 2017-02-13
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
WAKEFIELD XXXX XXXX TN XXXX XXXX The company claims that I owe {$970.00} for a medical bill that was already paid through my insurance according to XXXX in XXXX, TN. I have been to civil court several times however we never see the judge. I consult with the lawyer and we always reschedule. This item is negatively affecting my credit score, and I wish to resole it quickly.

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 2021-03-16
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was laid off during XX/XX/XXXX and during the COVID-19 outbreak I fell behind payments and CitiCard which is Citibank charged off my secured credit card without giving me a chance or assisting me without any payment plan. 

One I began working on a contract, I contacted the debt collector hired by Citicard XXXX XXXX XXXX ) on XX/XX/XXXX and setup a bi-weekly payment plan of $ XXXX.Payments started on XX/XX/XXXX and bi-weekly payments continued until XX/XX/XXXX. 

On XX/XX/XXXX, I called XXXX XXXX who was the debt collector for CitiCard and ask for an settlement, they agreed on $ XXXXand I aid with my debit card which immediately was withdrawn from my account. 

XXXX XXXX explained within 48 hours of the payment that they would notify Citibank of the payment that the account was settled. I then disputed my account with XXXX and uploaded the settlement letter and the payments. On XX/XX/XXXX Citibank updated my XXXX account stating that I the balance is now {$1500.00} and no payments were made on my account. 

Citibank is falsely reporting to the credit bureaus instead of reporting the account was settled and most of all that bi-weekly payments were being made on the 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
Consumer complaint received 2016-03-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Respected XXXX Please help as I am being harassed by these credit bureaus as they are not being fair in their reporting. 
Initially when I was doing short sale and loan modification, XXXX Bank had promised us it would not reflect on our credit reports and the only way the Federal law would allow us to " short sale '' or do " loan modification '' would be by missing payments for XXXX 6 months It has been XXXX 2009 and more than 7 years since the short sale of XXXX XXXX XXXX, XXXX XXXX and a similar amount of time since the late payments for loan modification for XXXX XXXX XXXX XXXX XXXX XXXX, but all the XXXX credit bureaus refuse to remove this information inspite of repeated requests, written letters etc. This is adversely affecting our credit reports and scores and we are ending up paying very high monthly mortgage for our primary residence. This is very unfair as all this information per law should be removed once it is 7 years old and any late payment information once its 2 years old, and this is because they repeatedly called and asked us to do it. 
Please see attached letter Due to this reporting my credit score has suffered for past 7 years and I have been paying an APR of XXXX when I can be easily eligible for an APR of XXXX or XXXX for the same Jumbo loan on my primary residence XXXX, XXXX XXXX XXXX, XXXX, XXXX The extra money will help secure my child 's future and education and my wife and child 's security as I am the only earning member of the family I recently had XXXX XXXX at age XXXX and Thank XXXX I am completely XXXX free and expect to live a normal long life for XXXX XXXX years XXXX willing. 
However at this point XXXX and need help from the Federal agency such as yours to correct these issues which are not fair. I know colleagues making much less and recent grads but because of their credit score they got much lower rates. My Child and family are entitled to the same level of security and I need your help I have been trying to refinance my mortgage for past 2 years and after months of paperwork am given the run around. 
All I can request is to please help and have the credit bureaus be fair and remove the negative information from all XXXX reports because in the first place I was promised they would never go on my file and second place it has been more than 7 years since the short sale and more than 2 years since any late payments. 
Please help resolve this as soon as possible, I have XXXX banks in their final stages of refinancing but are giving me higher rates just because of the negative information on my credit reports XXXX Keeping an excellent credit is my number XXXX priority SSN XXXX Thank you and sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2020-04-17
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

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 2016-10-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The account below is still on my credit report from 1997. it is paid in full and should not be on credit report. Also my child lived with me so I should not owe child support.

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 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: 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. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2015-05-16
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I recently received my FICO score from Experian. It stated that a person 's score can either go up or down with this new FICO system. I looked down at my score ... .it went from XXXX down to XXXX ... XXXX POINTS! I called Experian. They told me that my recent charge of {$8000.00} on my XXXX caused it. I told them that I had paid the whole amount in full, and that my total credit allowance is {$30000.00} anyway. I only used up XXXX % of my credit limit, paid it in full, and now I am being penalized for it! I have never in all my years paid ANY bill late. Please tell me how to proceed to get my score back up to where it should be ... XXXX. As you can see above, Experian 's response was " final ''. I spoke to many people there, and no one ( even supervisors ) would help me rectify this situation. Your help would be so much appreciated. I am a XXXX widow ; I know if my husband were still alive, he would be reeling on his heels right now! He was a bank representative and very professional. He would never have treated his clients this way. 
Thanking you in advance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Professional Finance Company, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A medical bill in the amount of {$110.00} was reported to the credit bureau before notifying me. After I paid it in full with interest charges and it is still on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: CO
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 complaint arises from incorrect reporting on my credit report. In the past XXXX years, XXXX XXXX has reported my account over 30 days late on XXXX different occasions. In XXXX of XXXX, a payment deferral was taken due to COVID, at that time the late payment was to be added on the back end of the loan. The next payment made in XXXX was made on-time, however XXXX XXXX inadvertenly put that payment towards principal only. From that point on, a late payment did accrue. There has never been a missed, nor a late payment on this account. Please see the attached payment history as well as the last 24 month statements. 

In XX/XX/XXXX I submitted a disput on Experian Credit and nothing was resolved. On XX/XX/XXXX I called XXXX XXXX to discuss the situation and it was discussed and reviewed that no payments were ever late.

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 2022-04-08
Company: Affirm Holdings, Inc
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I pulled a credit report and see that there are 13 Affirm accounts opened and all are delinquent. I have tried to file a dispute with this company but it is all computer generated and it is not allowing me. When I logged online to Affirm I can see a XXXX XXXX address and a email address associated with the account. I filed a police report with our local police department as well. It appears the account was opened on XXXX, XXXX XXXX. 
XX/XX/XXXX - {$64.00} XX/XX/XXXX - {$120.00} XX/XX/XXXX - {$60.00} XX/XX/XXXX - {$82.00} XX/XX/XXXX - {$140.00} XX/XX/XXXX - {$98.00} XX/XX/XXXX - {$140.00} XX/XX/XXXX - {$130.00} XX/XX/XXXX - {$64.00} XX/XX/XXXX - {$62.00} XX/XX/XXXX - {$120.00} XX/XX/XXXX {$64.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Every year that I try getting my free annual report from Equifax , they never provide it but entangle XXXX in a web to prevent XXXX from getting their free annual report. I would imagine that many others have had the same problem with Equifax. I have had no problem with getting my free annual report from the other XXXX credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
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:
The INQUIRIES to date has NOT been proven COMPLIANTLY REPORTED such as to posses factually demonstrated document PHYSICALLY VERIFIED PROOF of adequate lawful PERMISSIBLE PURPOSE

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 2022-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
The account in question is the California Unemployment Benefits ( CA XXXX ) card that was issued to me from Bank of America when I was on XXXXXXXX XXXX after the birth of my XXXX XXXX. This was XXXX years ago. I have called Bank of America and requested the account be closed. They say they can not close it and I should contact the CA XXXX to close it. Then I call the XXXX and they tell me that they can not close it and I must contact Bank of America to close the account. So they're literally giving me the run around all while refusing to close this account. Meanwhile I get monthly statements asking me to log in to see my account which I can't even access. This is reminiscent of the XXXX XXXX situation where they opened accounts without customers knowledge or authorization and refuse to close them just so they can have an elevated number accounts on their books for the purposes of looking larger than they are. Please help me get this account closed. I will likely never use it again because I own my business and will likely never be unemployed.

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 2016-10-06
Company: CITIBANK, N.A.
State: UT
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Faxed a written payoff request to CitiBank on XXXX/XXXX/2016 for a 1st and a 2nd lien. Received the payoff on the first lien almost right away. Was told that it would take 10 business days to process the request on the 2nd lien. Advised them that TILA/Reg Z indicates payoff should take no more than 7 business days but relented to the 10 business day timeframe since the loan is discharged bankruptcy. 

On the 10th business day called and they said payoff was being faxed this morning. Never came called them back and they said they only got the request on XXXX/XXXX/2016. They said because the request was not signed that they would not process the request. 

Since when do payoff requests need to be signed? Since when do they take more than 7 business days or even 10? 

Filing this complaint for the borrower XXXX XXXX. 

I attached the payoff request and the fax delivery confirmation.

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 2020-11-09
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I tried reaching the mortgage company on XX/XX/XXXX but only an automated system was answering. I was calling to talk to someone because my 15-year loan was due to Mature XX/XX/XXXX. Later, I received a letter dated XX/XX/XXXX, stating they put me on a Covid-19 Forbearance through the beginning of XXXX. I had been requesting a Loan Modification Packett for a long time but they never sent me one until XX/XX/XXXX. I filled it out over the phone with a company agent per what he was advising, except for the financials I scribbled in quickly and faxed it the same day. 
Next, it came back Denied with an option to Appeal by XX/XX/XXXX. I submitted the Appeal on XX/XX/XXXX and XXXX, XXXX, which is Still Being Reviewed ; as of a letter dated XX/XX/XXXX, received last Thursday, XX/XX/XXXX ; yet, they seem to be proceeding towards Foreclosure. XX/XX/XXXX, was the last payment they allowed me to make ; afterward, they Blocked my online account and Refused All Payments because the loan had matured. They Forced me into Delinquency then sent me a Letter of Default with the Intent to Foreclose on XX/XX/XXXX. Most importantly, I am a Very XXXX XXXX XXXX XXXX, having great difficulty standing and walking. I have been having Numerous Medical Problems which caused me to have daily in home XXXX from XX/XX/XXXX through XX/XX/XXXX, along with 10 days in the hospital, many XXXX on my XXXX and XXXX XXXX. In addition, I have Severe XXXX XXXX, I have had a XXXX XXXX, 2 XXXX, XXXX XXXX XXXX for a XXXX XXXX XXXX which requires lifelong blood thinners is very problematic and requires much care, All of these Medical Problems leave me at a higher risk of Covid-19. I am a widow without children ; this is my Only Home and I have lived here for 22 years. I am terrorfied of losing my home, it is all I have. The Loan Balance is approximately {$27000.00}, however, the Propert Value is around {$120000.00}. I have paid off the 1st mortgage ; which seems to be the motive why they have done all of the above. I could have Refinanced but the Forbearance, the Delinquint Payments even though they Refused the Payments is preventing me from getting another Mortgage Loan.

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 2020-03-24
Company: Experian Information Solutions 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:
The INQUIRIES to date has NOT been proven COMPLIANTLY REPORTED such as to posses factually demonstrated document PHYSICALLY VERIFIED PROOF of adequate lawful PERMISSIBLE PURPOSE

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 2015-12-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Around XXXX XXXX, 2015, I received a copy of my credit report from " Experian. '' I noticed that a false entry from a " XXXX XXXX '' debt collectors for the amount of $ XXXX on behalf of " XXXX '' was unlawfully entered onto my " Experian '' credit file. When I called up " Experian, '' I told them that I have had " XXXX '' for the last 17 years as my T.V. viewing and NEVER " XXXX. '' They at " Experian '' still refused to remove this false credit entry off of my " Experian '' credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief