BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-16
Company: Experian Information Solutions Inc.
State: LA
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 sent a dispute letter to XXXX and Experian concerning unauthorized credit inquiries on my account. XXXX sent me a letter regarding the inquiries are accurate with no validation sent to my address. Experian claims to have never received my letter which contains personal information someone can use against me. Validation of credit inquiries upon request is my right according to the FCRA. I have yet to receive any documentation sent to my address. My XXXX XXXX account was also hacked causing me to change my password and email.

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 2017-07-25
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This collection agency alleges that they updated the credit bureaus to reflect that the corresponding {$360.00} collection was paid. Neither my  XXXX  nor Experian reports reflect this information. In fact, both show that as recently as  XXXX   XXXX  , 2017, the accou nt was still reporting a {$360.00} balance owed and is still in collection status.     This account does not appear on my  XXXX  file.

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 2017-05-17
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Santander Bank had a promotion for a {$150.00} bonus with opening a checking account. To qualify for the bonus, some terms must be met which included a direct deposit of {$500.00} or more within 90 days of account opening and keeping the account open for 90 days. Santander 's te rms and conditions of the offer state that the offer is not available to current or former customers who OPENED a checking account between  XXXX  2016  and  XXXX / XXXX / 2016 .     I have met all the conditions above listed and advertised in  Santander 's promotion. I met the direct deposit requirement soon after account opening and did not have an account or opened one with Santander betw een  XXXX / XXXX / 2016  and  XXXX / XXXX / 2016 . I have very clearly met the terms outlined in their qualification s. Santander refuses to deposit the {$150.00} for unknown reasons, and attempts to reach out to Santander ha ve been unsuccessful in achieving a resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX 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 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 2021-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I Have submitted the disputes but no respone

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 2019-12-30
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for financial hardship with Mr. Cooper on XX/XX/2019, since last 15 days they have done nothing and just dragging the application, asking me for documents already provided to them. they are unnecessarily causing me stress and are not fulfiiling what they are supposed to. I have previously made six complaints against them on CFPB and still they are not serious. I think I will have to go to court against them. This time in the application I already mentioned that my house doesn't have any HOA fee but still they asked me the receipt of my HOA fee ( please see attached ). this is disgusting and uncalled for. I don't know what illiterate company is this and what kind of illiterate people they hire who can't read simple english. Enough is enough. Now they will start my application again from XX/XX/2019 and will take another 30 days. Is this some kind of mockery or joke? They need to understand other person is going through an hardship and Mr Cooper making fun of the other person? what is this? One more mistake, I will write to XXXX  XXXX and XXXX XXXX about them and of course sue them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I received an unexpected public record on my TransUnion credit report on  XXXX   XXXX ,  XXXX  for a circuit court #  XXXX . It states that it was reported as of  XXXX   XXXX . This account has NEVER been on my credit report and I have attached proof. We are in  XXXX   XXXX , and I am concerned as to how TransUnion can report a negative public record from  XXXX   XXXX  on my report causing my TransUnion score to drop DRAMATICALLY. This public record needs to be deleted from my credit report immediately. I have attached a copy of a recent TransUnion credit report showing that this public record was not showing up on my credit file under the public records section. Here we are a year later, and TransUnion is inaccurately and illegally reporting that this public record was reported as of  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 2020-04-22
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am an XXXX XXXX  in XXXX XXXX  XXXX. I want to make complain against TRANSWORLD SYSTEM INC. the collection agency. who asking me to pay {$7600.00} as a fine of not to paying toll. They send DMV to suspend my registration. I spoke with the collector before dmv suspend my registration. I request the collector to consider my situation. Where entire nation is in emergency for Covid-19 virus. XXXX XXXX  XXXX is being paused since XX/XX/XXXX to until now. I did not receive any letter from the collector. One i got notice from DMV I contact with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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: Credit inquiries on your report that you don't recognize

Complaint:
I explored the option to pre-quality which has no impact on ones credit report but despite that I got hard inquiries on my Experian and XXXX reports from XXXX XXXX. They said, it was a mistake and after that they didnt help in any way and didnt attend my calls next day either.

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 2022-05-03
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I explored the option to pre-quality which has no impact on ones credit report but despite that I got hard inquiries on my XXXX and Equifax reports from XXXX XXXX. They said, it was a mistake and after that they didnt help in any way and didnt attend my calls next day either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Currently my Trans Union Credit Report reflects 22 charge offs, my XXXX   credit report reflects 21 charge offs, and my XXXX credit report reflects 21 charge offs. These accounts date back to the years XXXX-XXXX  and once they were paid in full I requested that they be closed. I personally contacted the creditors and requested that they send me letters to reflect that the accounts were paid in full which I have attached. I am requesting that the incorrect and outdated information regarding the charge offs be removed from all 3 credit reports. In addition there is a creditor named XXXX XXXX XXXX and I have disputed this account for years. Initially it reflected as XXXX on my credit report and now they are under this name. I have never took out any student loans as my parents paid for my college education. I graduated from XXXX  XXXX  XXXX University in XXXX of XXXX. You can verify this information by contacting XXXX XXXX  XXXX University at XXXX. I have tried several times on my own to dispute and remove this incorrect fraudulent information however, nothing has ever been done. If you need any further information from my as old credit reports dating back to the tears XXXX-XXXX I will be happy to supply them. Please feel free to email me at XXXX or call me at XXXX if you have any further questions.

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 2022-05-03
Company: EQUIFAX, INC.
State: GA
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, the following companies have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my expressed written consent and instructions. The bureaus and the following companies are in violation. Please see below along with the requested remedy. 

XXXX XXXX | XXXX XXXX XXXX  | XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | Inquiry XXXX XXXX | Inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
PURSUANT TO 15USC1681g, 15USC1681h, and 15USC1681i I the consumer should be able to obtain my consumer report in any method offered by the agency with ease. HOWEVER EXPERIAN AND XXXX IS NOT LETTING ME CHECK MY REPORT WITH EASE I CAN NOT GET ANNUAL REPORT OR CHECK CONSUMER REPORT. WHEN CHECKING IT ASK ME INFORMATION I ANSWER IT CORRECTLY THEN IT SAYS UNABLE TO GIVE ME MY REPORT IT ASK ME TO FILL OUT A MAIL FORM. ACCORDING TO THE LAW I MAY RECEIVE MY REPORT IN ANY METHOD I CHOOSE.

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 2019-11-21
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2017 Account type Factoring Company Balance Loan Amount {$700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Bread Financial Holdings, Inc.
State: AL
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:
These companies are ran my credit without my knowledge and made hard inquires on my credit XXXX XXXX XXXX on XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ComenityCapital/MPRC on XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: EQUIFAX, INC.
State: NJ
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 XXXX XXXX, natural person, i am disputing on my own with the help of no one In accordance with the Fair Credit Reporting act. The List of inquires below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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:
on reviewing my reports, there are still incorrect information found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XX/XX/XXXX and XX/XX/XXXX was XXXX,, but no response was ever received from them today date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports that need to be corrected and removed in my file immediately : { Account # Dept OF ED 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 2017-07-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have banked with Wells Fargo for the past 8 years until they recently closed my account due to overdraft payments and account mix ups. Apart from being over sold different saving accounts for myself, my wife and even my son I was a happy customer up until the last 6 months. I recently went through a troubled period with my wife that led to me losing my job and also my wife opening her own account to rather than use our shared account at Wells Fargo. Everything came to a head when my wife and I worked things out and she asked Wells Fargo to close the account she had recently set up. Wells Fargo closed our joint account instead which led to problems with paying in funds to our joint account and being able to withdraw any monies that were already in there. From that moment on everything went into a spiral, late fees, missed payments on bills, credit cards and no real help from any of the tellers at my local branch. Eventually the correct account was closed and the other account reopened but the damage had been done. Now there 's a {$700.00} overdraft on the account which Wells Fargo have closed which of course hit my Credit Score hard. There 's also closed Wells Fargo Credit Cards one for {$300.00} and another for {$1500.00} that are all collecting large interest penalties while I try to recover from the mix up. I 'm now back in full time employment and able to take on a reasonable debt repayment program but feel Wells Fargo are partly responsible for the accumulated costs.

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 2019-12-31
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a victim of fraud and I currently have accounts on my credit report that are not mines and are reported inaccurately. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Please delete/remove the following unverified accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX  # XXXX, XXXX # XXXX, JEFFERSON CAPITAL SYSTEM # XXXX. I AM TRYING TO BUY A HOME AND THIS IS PLACING MY PROCESS ON HOLD.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Our homeowner 's insurance policy had not been paid by our mortgage lender, Loancare. I received a letter on XX/XX/XXXX from our insurance stating our policy had been expired on XX/XX/XXXX. I called Loancare on XX/XX/XXXX and was put on hold for a total of 50 minutes, bounced around to several representatives and finally spoke to someone that handles complaints. They stated they sent out a check but it would take about 10 business days to arrive. I told them that was unacceptable and I wanted to have my homeowners 's insurance in place that evening. They said they were going to send an overnight check to our homeowner 's insurance on XX/XX/XXXX - well today is XX/XX/XXXX ( 4 days later ) and the insurance company still didn't receive any payment from Loancare. I called the insurance at XXXX on XX/XX/XXXX - the end of the day, and they stated they never received anything. As of right now, I don't believe we have any homeowner 's insurance on our home. Loancare also stated we may get billed for them having to do an overnight payment. ( Which never even happened ). I  even had to sign an eDoc on XX/XX/XXXX that was sent from our homeowners insurance stating we will not file any claims from XX/XX/XXXX until now. This is UNACCEPTABLE. I do not trust this company at all - they still did not pay our homeowners insurance - it expired on XX/XX/XXXX and today 's date is XX/XX/XXXX. No payment was received by our homeowners ' insurance yet. 
Loancare , LLC ( which also goes by XXXX XXXX XXXX XXXX ) is an irresponsible mortgage lender who has put us in jeopardy if anything were to happen to our home. We are not insured as this time because they failed to pay it! It is now 10 days late ( and counting ) still not insured.

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 2019-12-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I was hospitalized for a month in XX/XX/2019, which caused me to miss a month of work. Due to loss of income I fell behind on my auto loan. I got an email from Capital one that I could put my payment to the end of my loan, but when I called I was told my account was not eligible for this. I was also told I can not do payment arrangments due to not being able to make payment via ACH, but I told them i could put my debit card on file.

Company response to consumer: Closed with explanation