BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-26
Company: EQUIFAX, INC.
State: OR
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 disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX  - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: WELLS FARGO & COMPANY
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I work at the National Credit Union Administration and Wells Fargo manages NCUA employees ' retirement accounts. On atleast 4 calls ividuals, I attempted with XXXX WF employees I insisted I want to get an online account ONLY for my retirement acct. I also have a checking account with with Wells Fargo that I insisted be paper only. Instead, Wells Fargo employees deliberately steered me to secure an online presence for ALL my accounts and wanted to then give me investment advice. 
I have since changed back my checking account to mail only.

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 2021-05-27
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:
I have found three accounts on my credit report that do not belong to me I have not applied signed or used these accounts I need these off my credit since they do not belong to me. This is identity theft and I will not be responsible for someone elses spending. 

XXXX XXXX XXXX  XXXX XXXX - Account number XXXX Amt {$6200.00} XXXX XXXX XXXX  XXXX XXXX - Account number XXXX Amt {$6700.00} XXXX XXXX XXXX - Acct Number XXXX Amt {$8500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: SECURITY FINANCE CORP
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have had a loan with Security Finance for over 2 years now. I have faithfully paid and renew my loan multiple times. One day I called to see if I was renewable and was told by XXXX that I was renewable for over {$200.00}. I told him i would be in on my lunch break to renew that loan. When i got there, XXXX told me once i renew my payments would go up {$20.00}. We signed the papers and i got the money. One day I was not able to make a payment on time, so i decided to ask for my principal and remaining balance. XXXX informed me that my balance was over {$1500.00} for a {$1000.00} loan, and I asked how it was that high because i had made previous payments before calling. He then decided to inform me that back in XXXX when he told me I was renewable for over {$200.00} that my loan was actually increased and not renewed. I then informed them through SEVERAL letters that I would not be paying that loan because I came in on the assumption of renewing my loan and not increasing because I could not afford a increase at the time. I feel like they were obligated to let me know that they were increasing my loan and not renewing it like they told me on the phone. By them increasing my loan without me knowing and having me come in on a renewal assumption I do not feel like I am responsible for that. They should have informed me. They call me several times and day and they call my job as well. The last person that called my job from there was XXXX and he had the nasty attitude with me and wanted to know why i had an attitude because i sure didnt have one when i came to get the money. I then informed him that I had an attitude because they failed to inform me that they were increasing my loan and had me come in on a renewal assumption. I however am still not paying them whatsoever with this loan and they have ran my credit score to XXXX. Is there anything other than not paying them that I can do about this situation?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: EQUIFAX, INC.
State: CA
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:
I have been asking for the contracts between me and the companies and Credit agencies proven that this debt is mine and that I gave the credit agencies permission to report this information. They just say verified and send a statement at this point I don't think that they are even reading what I been asking for and its now been several months and they still haven't displayed the documents. I even sent letters to the companies that alleged this debt and they have not responded with any information with some saying they don't even have this account. They are ruining my rep and are violating my rights. I have been turnt away from severl loans because of them which damaged my business and is putting a major strain with my lady and I. I filed id theft with the FTC and I will put it in document file also.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: Harpeth Financial Services, LLC
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get frequent calls from different states form different numbers harassing me. Annoying me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: WELLS FARGO & COMPANY
State: IA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Back in XX/XX/XXXX we had to claim chapter XXXX bankruptcy. I had a loan on my car with Wells Fargo I made my payments, then paid the car off in XX/XX/XXXX. When I looked at my credit report I noticed I did n't get any kind of credit for doing this. Wells Fargo stated it was discharged in Bankruptcy. I called them and they said it was there right to not show I made my payments and that I had paid this account in full because we filed chapter XXXX and did n't reaffirm the loan so this is why we do n't get any credit for the payoff or my monthly payments made. I do n't understand how they can do this and how can I rebuild my credit when things like this happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: EQUIFAX, INC.
State: NY
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 checked my reports and noticed some inquiries from companies that i did not give consent to acces my credit reports. I am very concerned about all activity going on with my credit reports these days. XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 checked my reports and noticed some inquiries from companies that i did not give consent to acces my credit reports. I am very concerned about all activity going on with my credit reports these days. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX on XX/XX/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 2016-09-30
Company: WELLS FARGO & COMPANY
State: AZ
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
This happened to us. They opened XXXX accounts for us that we did n't want, and told us that we had to have them .... We are XXXX and wondered all along. Then a year later I went in to the bank and told them we did n't want the accounts. They did n't get rid of them for us, we went back to XXXX, we still had them, and {$200.00} dollars plus later in fees, we still had the accounts. I finally made a big scene in the bank with the manager, and 2 tries later, and each time I went in it was at least an hour with her, and a long wait before seeing her to get rid of these extra accounts. I wanted a full refund and she would only give us back 1/2 of the fees they had deducted. They even transferred money from our other account into these accounts to pay the fees and charged us overdraft protection cost to do that. It was so upsetting! We are one of those customers that they did this to. XXXX XXXX at Wells Fargo in XXXX Arizona is the bank manager. We want something to be done about this.. Thanks for listening. We are XXXX and feel like we have been taken advantage of in the American banking system. Thanks for listening.

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 2016-05-02
Company: FIRST CONTINENTAL MORTGAGE LTD
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a VA Loan Modification with my lender First Continental Mortgage Litigation Department on XX/XX/XXXX. 
On XX/XX/XXXX l received a Approval Loan Modification agreement in which the new VA loan modification is higher than the old loan. 
I used to pay {$1200.00} a month than my payments escalated to {$2000.00}. 
Old VA Loan interest rate Was {$880.00} and Principal was {$340.00} with interest rate.at 4.3750 % with No Prepayment Penalty. Old outstanding balance was {$240000.00} New VA loan modification mortgage is {$1700.00} with a interest at 4.125 % with a term of 360 months and with a Prepayment Penalty New unpaid principal balance is {$250000.00} I purchase home on XX/XX/XXXX. 
Why new VA loan modification approved mortgage is at {$1700.00}? 
Does the {$1700.00} includes property tax and Home insurance? 
It appears that lender implemented late payment fees, old property tax debt with new mortgage? 
I am not rejecting the new VA loan modification approved agreement but why l can not get a new VA affordable mortgage under {$1700.00}. 
I am on a fixed income XXXX XXXX Lifetime Pension of around {$3900.00} a month with no Social Security XXXX benefits or compensation.l was denied on social security XXXX. 
I am respectfully Divorced and l live alone in my home. 
I am respectfully a Military Veteran. 
I am on XXXX. 
Notice : I will send verification of lender docs to Consumer Financial Protection Agency by email. 
I have contact President Obama Administration on issues. 
I received VA loan modification approval letter on XX/XX/XXXX.by regular postal mail. 
Urgent Matters.. 
I am a XXXX XXXX XXXX. 
I am enrolled with HOPE HUD Greenpath program Counselor XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
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:
There is one account that is showing up on my credit report that does not belong to me I have tried to dispute this with all three bureaus as well as the furnsihers and they are not helpin me I need this off my credit report asap since it does not belong to me. 


XXXX XXXX XXXX  - Acct # XXXX Amt {$360.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage company is Franklin American Mortgage. I have filed at least XXXX modification request with the company and each time they respond I do not " qualify '' because I do not make enough. I lost XXXX % of my income and my husband abandoned the residence almost 2 years ago. I am now divorced and have a true Hardship. They have wasted months " reviewing the documents '' then they tell me to resubmit them because they expired only to say NO again. The company should be audited as they lie to you each time you speak to them. I do not believe they are compliant with the FHA programs in anyway. Never trust this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: EQUIFAX, INC.
State: CA
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:
I have contacted BOTH credit bureaus Equifax and XXXX about a late payment from XXXX listed on my credit report for an account that is NOT MINE, i was just an authorized user. I first contacted both Equifax and XXXX via U.S. mail on XX/XX/XXXX .... I never heard back from either bureau! After contacting them again via mail on XX/XX/XXXX, i have yet to hear from them. It is absolutely mind blowing that two of our biggest credit reporting agencies nationwide, just IGNORE consumers and hurt they're chances at obtaining good credit by reporting erroneous and inaccurate information. Totally unacceptable and irresponsible!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
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: Public record information inaccurate

Complaint:
Experian is reporting a dismissed bankruptcy that I have already sent a FTC report previously and responded with it has been verified, I contacted the bankruptcy court and they stated they dont report to credit bureaus which I attached a letter so I dont know where Experian got this information from. They are in violation of reporting inaccuracies on my consumer report and have caused me damage and personal distress.

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 2016-11-10
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Credit card
Issue: Advertising and marketing

Complaint:
Well I 'm a XXXX with limited credit history. I work and receive public assistance. So I want to build credit because I 'm XXXX with limited credit because I went though a rough period in my life from age XXXX. So I went to Peoples united banks website and saw that they offer a credit card to college students with limited credit history. So I applied and was rejected so I called XX/XX/2016 to ask why was i rejected. The Person on the other end told me i was rejected for limited credit history. After arguing I asked to speak with the manager. The manager told me i was denied for limited credit history then it was because i have n't had a line of credit since 2012 so he said it had to be recent credit history then he told me that they could falsely advertise because they had hidden terms i could net see on the website when I applied for the card ( meaning it was n't available in the fine print ) so I ask can I speak with his manager and i was put on hold where I hung up. The last thing He said that he was going to put in a complaint. So I hung up because my father works for XXXX call center he told me that they put angry customers on hold and tell them things to get them off the phone ( like saying he was going to put in a complaint about false advertising ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
there was XXXX where i was scammed for my personal information to get money out my account totaling one amount of {$500.00} & 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 2015-06-20
Company: Consumer Adjustment Company Incorporated
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I was n't sure which category this complaint would fall under. I had a debt with XXXX Hospital that I had a payment plan with and fell behind. They sent it to collections. I understand that. The collection agency called me and we negotiated back and forth about a payment plan. The next day ( today ) a hard inquiry is showing on my credit report for an installment loan with the collection agency. I did n't agree to anyone pulling my credit and I absolutely did n't agree to my " payment plan '' being an installment loan. I 'm in the middle of buying a house and I would not have had anyone pull my credit or put an installment loan on my credit. I was never advised I was going into a committed installment loan and did n't authorize my credit to be pulled.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27
Company: General Motors Financial Company, Inc.
State: WI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I had a lease with GM Financial from XX/XX/XXXX until XX/XX/XXXX. I made every payment on time with auto pay and never had any issues. I returned the vehicle to the dealership in XXXX of XXXX and double checked GM Financial 's website to ensure that my last payment had been made. I regularly check my XXXX credit score through a couple of apps and everything was normal just recently, my score dipped from XXXX to XXXX unexpectedly. It showed that I had a missed payment, but for the life of me I couldn't fathom what had been missed. I got in touch with a friend who told me about XXXX XXXX XXXX and later this website ) as a way of tracking my credit more directly and getting some answers. It turns out that GM Financial had assessed me with end of lease fees in the amount of XXXX and never notified me. The dealership never said a word, and I had absolutely no idea that these fees were owed. Upon discovering this ( maybe 20 or 30 minutes ago ), XXXX, I immediately logged into the GM Financial website and paid the amount. I asked if they'd be able to help me out and remove this from my credit rating since I've never had any issues in the past and I was literally unaware of the fees, and they said that my only option was to contact the credit bureau 's directly and hope for the best. I'm happy to supply further information as needed, this whole experience has been frustrating, scary, and completely unexpected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief