BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-29
Company: Essential Lending Inc
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The account in question was disputed on XX/XX/2023 and again XX/XX/2023. Each time the dispute came back verified with no verifiable documentation, which was requested via certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: EQUIFAX, INC.
State: TX
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:
On XXXX16 at XXXX I spoke with XXXX at XXXX XXXX XXXX XXXX . We reached a settlement agreement and he promised my debt will be deleted from my report after payment. Auth # XXXX for payment. The account is still on my credit report as a negative item.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: FL
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:
my wallet was lost with all of my personal information in it and never found and now I have accounts on my credit report I never applied for, also some inquires, I need them to be remove immediately XXXX XXXX XXXX XXXX ( closed account ) XXXX  XXXX ( inquire ) XXXX  XXXX XXXX XXXX ( inquire ) XXXX  ( Hotel and travel ) - XXXX ( inquire )

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 2022-10-03
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have contacted Regions several times regarding the removal of PMI from my mortgage. Originally they told me after my Loan to Value reached 80 % or less, they would be able to remove PMI after 1 year from my loan origination. When I contacted them at my 1 year anniversary, they said that due to the pandemic, that the LTV requirement was reduced to 75 % or after 2 years since origination for 80 %. After my second year anniversary from origination, I called XX/XX/XXXX to prepare for my 2 year anniversary on XX/XX/XXXX. They then notified my that it was not the anniversary of the loan origination but from the date the first payment was made which was XX/XX/XXXX. 

When I called on XX/XX/XXXX, they told me that XXXX XXXX had valued my house so low that my loan to value is 98 %. They refused to give me any information on the value, how it was obtained or what it is based on. This is highly unethical as their information disputes all past and current valuations. Furthermore, they are charging {$150.00} to order a new appraisal. It would suit Regions to make it as difficult as possible to remove PMI as those payments go directly to their profits. 

They referred me to XXXX XXXX 's website for their guidelines but there are no guidelines I could find and no sources of their valuation. They then referred me to my original loan documents which would also not provide me with any information on their sources of valuation. Ultimately, they are not providing transparent process and information regarding my loan and creating barriers to removing unjustly fees that are no longer warranted. The representative I spoke with is named XXXX and he would not disclose the supervisor in which he consulted for his final answer. 

I suggest a deeper internal investigation as I suspect several consumers are facing the same unethical obstacles to retain fee profits.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: TN
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-02-16
Company: AXOS FINANCIAL, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
My husband had an auto loan through Axos bank. He passed away XXXX XXXX, XXXX. The loan is in his name and the bank hold the title. I contacted them on XXXX XXXX, XXXX to get the loan pay of and to have it transferred into my name so that I can sell it because I can't afford the payment. Here are the emails : XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX to portfoliomanagement My husband. XXXX XXXX, passed away XXXX XXXX of last year. I have been making payments on the truck, # XXXX, and have finally received the death certificate so that I can sell the truck. What steps do I need to take in order to do that? 
Thanks XXXX XXXX XXXX XXXX Fri, XX/XX/XXXX, XXXXXXXX XXXX  to me Good morning, Unfortunately, since you are not on this loan you would either have to pay this loan off with us or refinance and get it under your name. 

XXXX XXXX XXXX Wed, XX/XX/XXXX, XXXXXXXX XXXX to XXXX My husband. XXXX XXXX, passed away XXXX XXXX of last year. I have been making payments on the truck, # XXXX, and have finally received the death certificate so that I can sell the truck. What steps do I need to take in order to do that? 
Thanks XXXX XXXX XXXX XXXX XXXX Attachments XX/XX/XXXX, XXXXXXXX XXXX to XXXX My husband, XXXX XXXX XXXX is deceased. I want to pay off the loan # XXXX and have the title transferred into my name, XXXX XXXX XXXX Attached is the death certificate. 
XXXX XXXX Since I didn't get a response I drove to their branch in XXXX XXXXXXXX and only got to speak with a receptionist who made a copy of my driver 's licence and the death certificate and said someone would contact me in a couple of days. They didn't. I called XXXX XXXX and was told someone would call me back that day. They didn't. I called XX/XX/XXXX and was told someone would get back to me that day. They didn't. I called XXXX XXXX and was told the case # is XXXX and someone would call be back. They still haven't and I don't believe anoyone is going to at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: MS
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:
You are in Direct Violation of The Fair Credit Reporting Act ( XXXXXXXX XXXX # XXXX ), has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2022-10-04
Company: Experian Information Solutions Inc.
State: AZ
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 am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there is still some account on my report that is false and was resulted from identity theft. I am asking for your assistance in getting rid of the last few account on my report. Any account reported on an identity theft report must be blocked by the credit bureau in accordance with FCRA section 605b. 
XXXX XXXX XXXX XXXX : {$11000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-06-02
Company: Experian Information Solutions Inc.
State: FL
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 am a victim of identity theft and I have filed a Identity theft report regarding personal and credit information appearing on my consumer report that are not transactions done by me nor to which I received any benefits.

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 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  Balance XXXX {$0.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : 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 2022-09-15
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  Account Name XXXX  XXXX Account # XXXX, Account Name XXXX  XXXX XXXX Account # XXXX, Account Name XXXX XXXX  XXXX Account XXXX XXXX, Account Name XXXX XXXX XXXX XXXX  Account XXXX XXXX, Account Name XXXX XXXX Account # XXXX XXXX Account Name XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX Account Name. XXXX Account # XXXX, Account Name XXXX XXXX XXXX XXXX Account 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 a 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 2023-06-02
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


XXXX XXXX - {$9500.00} - XXXX XXXX XXXXXXXX - {$1500.00} - XXXX, XXXX XXXX XXXX XXXX {$10000.00} - XXXX  UNAUTHORIZED INQUIRY PLEASE DELETE : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-09-15
Company: Experian Information Solutions Inc.
State: MS
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:
XXXX XXXX XXXX report my car as repo when it was paid off in full and I have the payoff letter and paid off I was never late proof : Experian is reporting Account was in dispute- now resolved - reported by subscriber. 
Merchandise was taken back by credit grantor ; there may be a balance due. This is not true and I have written proof. XXXX XXXX XXXX removed this information but Experian will not. 

Date Last Active : XX/XX/2020 XX/XX/2020

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 2022-09-16
Company: Experian Information Solutions Inc.
State: MI
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:
I have contacted Experian multiple times about old accounts. Example. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( some up to XXXX years old ) that keep reappearing on my credit report, and I have attempted multiple times to dispute the information as inaccurate because it keeps reporting closed accounts as in collections ( I have paid them off and they are satisfied ) and are reflecting delinquent on my credit report. Experian has verified the information they are reporting as accurate which it is NOT. This is unacceptable. Not only is this illegal but also hindering my credit score from progressing. This needs to be resolved before I begin a lawsuit. Old accounts that are satisfied CAN NOT continue being reported as delinquent. Thank you for your time -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 2022-09-15
Company: Experian Information Solutions Inc.
State: TN
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:
I am a natural person..I am a living human being.. I have rights under the FCRA, 15 USC 1681. Experian and XXXX are governed by the 15 USC 1681, and they have violated my consumer rights numerous of times..Because of these violations and reportings without my written signature and consent, it's been hurting me, it's been hurting my payments, my credit utilization, i have high interest rates because of it and much more.. I demand these accounts listed below to be completely removed from my credit report.. According to 15 U.S.C. 1681b, section 604 2 ( a ) of the FCRA, it says a consumer reporting agency may furnish a consumer report with the written instructions of the consumer. I, the consumer, have not given Experian, XXXX or any other consumer reporting agency any written consent or instructions, nor have i signed my signature on anything to furnish my consumer report. According to 15 U.S.C. 1681 ( a ) ( 3 ) of the FCRA, it says Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. According to 15 U.S.C. 1681 ( a ) ( 4 ) of the FCRA, it says there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. As a consumer, according to the FCRA, my rights have been violated and i've been taken advantage of..The law is the law. We must abide or face severe consequences..Please delete the accounts below from my credit report. XXXXXXXX XXXX XXXX-Act # XXXX XXXX XXXX XXXX- Act # XXXX XXXX XXXX- XXXX # XXXX XXXX XXXX-Act # XXXXXXXX XXXX XXXX-Act # XXXX XXXX XXXX-Act # XXXX XXXX XXXX XXXX XXXX XXXXAct # XXXXXXXX XXXX XXXX XXXX-Act # XXXX XXXX XXXX-Act # 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 2023-06-03
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 I do not recognize these inquiries and need them removed immediately

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 2023-06-04
Company: BARCLAYS BANK DELAWARE
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: Reporting company used your report improperly

Complaint:
Under the fair credit reporting act, BarclaysXXXX XXXX Account # XXXX has violated my rights by reporting late payments on my account ( XX/XX/60 ). 

15 U.S.C. 1684 Section 602 states that I have a legal right to privacy.

15 U.S.C. 1681 Section 604 Section 2 states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. Code 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any 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 2023-06-05
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells Fargo closed my account after they charged XXXX to my account, which put my account in the negative. I still dont no why my account was charged XXXX or why it was closed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Florida XXXX. You are in direct violation of the Fair credit reporting act 15 USC 1681 section 602 a clear state that I have the right to privacy 15 USC 1681 section 604 a section 2 is also stays a consumer report agency 15 USC 16668 a creditor may not treat a payment on a credit card account under and open in consumer credits plan as late for any purpose remove these late payments and update this account immediately as you are not in direct violation

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 2023-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I made an internal transfer by mistake from my Bank of America account to another account of the same bank. I reported it since I found out about the error and they told me that they would resolve it in 10 business days. If it was a direct transfer, there was no problem. 15 days passed. I called and they told me that they closed the case without any response and reopened the case and they tell me that 45 business days while the person who has the money in the account can spend it

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