BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: RI
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My account was a victim of fraud someone stole my card and put fraudulent checks in my account and the bank declined me and charged me anyway for their benefit.

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 2017-01-24
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My wife and I are closing on a new build and one of the preferred lenders that the builder has listed is Wells Fargo Home Mortgage. We went with Wells Fargo because they were the first to return our phone call and we were up against a time frame to get preapproved for our loan. 
Within a few days of us submitting all of our required documents for pre approval we received our letter from Wells Fargo stating we were pre approved and we were ready to begin the loan process for our new build. 
To date we have been working with Wells for 10 months and every couple of months they ask for updated bank statements, financials, etc ... However it was n't until 5 months before our anticipated closing that I noticed our loan office put in a loan requirement of a " Gift '' requirement from my father for XXXX. I immediately called and emailed the loan officer that we never discussed a " Gift '' amount to help us close and I also expressed my concern as to why this was showing in my file. A few days late I received an email back stating that they would update this in my file and that we were on schedule with everything, A few months go by and again I am asked for updated statements, financials, etc ... We send these off and two months later I receive an email saying we are short on your reserves and can I again send over statements, etc. We send these over and presume everything is good because we are showing what needs to be shown for financials. 
It was n't until last week ( 4 weeks before closing ) that we received a call that said we need to come up with XXXX more in cash to cover reserves. As you can imagine the frustration level started to go way up. Over and over again we asked to why we are just now finding out about this 4 weeks before our closing and the response from our loan officer was, " just go ask someone for the money '' or " go ask a parent or something '' So you mean to tell me this is your standard practice Wells Fargo? After stating that the " gift '' option was not an option they said, " we just need to show it and then you can return it to the person who gifted it to you '' Again we asked is this standard practice? 
Then we were told we can liquidate our XXXX. We asked if this is again a standard practice on how they treat their customers.

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 2016-03-19
Company: Penn Credit Corporation
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
A debt collection agency disclosed the amount of my debt and who the debt was owed to to my parents. They called their number which is a landline at an address I have never lived at and disclosed the information to my mother.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I HAVE A JCPENNEY ACCT AND I HAVE XXXX INSURANCEON THE ACCT! I HAD A XXXX IN MID XXXX I AM NIOW XXXX FROM A XXXX I AM IN XXXX! THEY SHOULD BE PAYING THE ACCT

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 2021-08-05
Company: Lending Club Corp
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
This company continues to improperly apply payments made to my account, resulting in the overall balance being higher than it actually is, or the payment due date being incorrect. According to the company 's files, more than 30 payments were improperly reversed and applied, which has caused unacceptable levels of financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Penn Credit calls my home repeatedly. When I answer the phone, they state a name ( for example " XXXX XXXX '' ) and ask if I am that person. I say " no '', and they hang up. The next time they call, they give a different name ( for example " XXXX XXXX ), and ask if I am that person. Everytime they call, they ask me if I am a different person. 

Penn Credit is obviously going through the phone book, or just calling random numbers, on the off-chance they will reach a creditor. I have stopped answering the phone when they call, but I am really tired of having to put up with this behavior. It is harassment. Someone in the government should file charges against this company. Better yet, put them out of business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I applied for what I believed what an installment loan in XXXX XXXX. In XXXX XXXX, I refinanced the loan, assuming it would stay an installment loan. I recently glanced at the refinance documents to verify my last payment date. At this time, I realized the refinance was set up as a payday loan. Maturity date is scheduled for XXXX/XXXX/XXXX with a blanket payment of {$1300.00}. The current loan documents do not specify credit as payday loan or installment loan. I 've requested the original loan documents & have not yet received them. But I have documents from a previous installment loan, wording the same as this current payday loan. The biweekly amount for the installment loan & payday loan are the same except for the last payment. The installment loan is already highway robbery, and i am aware of this which is why I know I requested an installment & not a payday loan. I spoke to a supervisor who could not assist me with my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: EQUIFAX, INC.
State: AZ
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:
These are snippets of our conversation my recorded call is two long as it went on for 36 minutes equifax already admitted to not having such written concent by me the consumer to furnish i demanded for deletion they said they have no power to do that but they have the power to furnish on my consumer report with out my written instruction because somebody else told them too. You guys are suppose to respect my privacy 15 usc 1681 ( 4 ) I the consumer have the right to privacy. 15 usc 1681 b ( 2 ) you have to have my written instruction to furnish anything you guys have failed and is a individual action

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
On XX/XX/2019, I fell at work and was off because of the XXXX. The Creditor Victoria Secret credit card was calling my employer and giving my boss information that I was behind on my payments, what I owed and the min. payment. I was not late and the payment and dates did get matched together. I guess they kept applying the payment to the previous month. 

I am upset and have closed the account because of the disclosed information to my employer. If they could not get a hold of me, they should have sent a letter. My personal information should never be given to anyone. 

When I complained to the " Manager '' they said they have the right to call my employer. I informed him that he could not give out my personal information to my employer. 
I closed the account in frustration. I later opened a second account, but this practice is against the law. What can be done?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Kinum, Inc., Indianapolis, IN Branch
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Debt was for repairs done to a home after a water leak. The company who did the work ( XXXX ) and XXXX were disputing the final amount for the repair. The final amount of the invoice was decided on XXXX. An invoice was sent several weeks later and the balance was sent on XXXX, email communication with XXXX XXXX, president and owner of XXXX confirmed the balance was paid on their end as of XXXX. 

Kinum, a debt collection agency, then contact me via letter dated XXXX and received XXXX. I called Kinum and spoke to a woman who did not give her name who said they were first contacted by XXXX  XXXX and asked to collect a debt in the amount of {$2100.00}, I explained that the amount of the repairs was not decided on until XXXX and it was impossible for them to have been given that number in XXXX. I then asked if they had done a debt verification and if so on what date it was done, she then refused to answer and directed me to contact XXXX, which I had already done. 

I believe a reasonable person would interpret the statements made by the Kinum representative as false and inaccurate and in violation of the Fair Debt Collection Practices Act. I would like to stress that I believe XXXX did not intend for the paid debt to go to collections and they will correct that issue, however this complain is pointed solely at Kinum who has not complied with federal regulation regarding their attempt to collect a debt that does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: Advantage Collection Professionals, Inc.
State: MN
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Called work number, the first time she was transferred to me, I explained that it was absolutely unacceptable for me to have calls at work and they could not call me again. The lady just called me again ( after a couple of weeks ) and said that she would continue calling me at work since I do n't answer my home phone.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The original creditor sold this debt to a collection agency, they also wrote off this debt on their taxes which wrote off my obligation to pay but I paid anyway. This contract was cancelled which means NO CONTRACT.

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 2021-08-06
Company: Caliber Home Loans, 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 is missing that should be on the report

Complaint:
As of XX/XX/XXXX, XXXXThe mortgage company Caliber Home Loans is reporting that the mortgage on my wifes XXXX  credit report is closed as of XX/XX/2021. 
XXXX  does reflect that she has a mortgage at all. XXXX  has the mortgage but the last month it last month that is was updated was XX/XX/2021, and the mortgage up to date. Also XXXX  is not showing on my husbands credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
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:
XXXX XXXX is reporting a collection in my name that isn't mine to both XXXX  and XXXX. I have a common name and it seems someone with the same name has a defaulted account that is showing up on my credit report in error. I demand this gets removed right away. I have never defaulted on any accounts. I am trying to refinance my house and my credit scores are 100 points less than they should be due to this reporting issue. I have attached my identity documents to prove that this was never my account as well as my credit report profile data. All my previous addresses are valid for me. Over the past 12 years, I have never received mail at any other addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: PRIMARY RESIDENTIAL MORTGAGE
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am very concern about the shortage of our escrow account being that the numbers does not add up. Please review the following for 2016 : Escrow Collected PMI Ins./Taxes Beg. Escrow Bal. : {$360.00} XX/XX/XXXX {$390.00} - {$160.00} XX/XX/XXXX {$390.00} - {$160.00} XX/XX/XXXX {$390.00} - {$160.00} XX/XX/XXXX {$390.00} - {$160.00} XX/XX/XXXX {$410.00} - {$160.00} - {$1100.00} ( Haz. Ins. ) XX/XX/XXXX {$410.00} - {$160.00} XX/XX/XXXX {$410.00} - {$150.00} XX/XX/XXXX {$410.00} - {$150.00} XX/XX/XXXX {$410.00} - {$150.00} - {$1300.00} ( county tax ) - {$1100.00} ( Haz. Ins ) + {$770.00} ( Haz. Ins returned ) Totals : + {$3900.00} - {$1400.00} - {$2800.00} - {$260.00} ( Escrow Bal. : ) I notice the numbers does not add up. On the last statement dated XX/XX/2016 there is a shortage of - {$1200.00}, this is before the {$770.00} ( haz Ins. ) was applied to escrow ( which it should have reflected by the XX/XX/XXXX but it got applied to principal ). Once subtract the {$770.00} the balance is - {$510.00}. Which still does not add up. Also the county taxes were paid at once ( annually ) when it should have been paid semiannually. Which would have avoided the shortage all together. Even on the Aggregate Escrow Analysis dated XX/XX/2016 it shows that the county taxes is to be paid in two installments. 

When I called on XX/XX/2016, I first spoke to XXXX I asked her for supervisor/manager so, I was transferred to XXXX. XXXX told me that they would run another Escrow Analysis and look into it. However if the company does not own up to its mistake and cover the shortage running the Escrow Analysis will only increase our mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Experian Information Solutions 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 made multiple attempts to contact the bureau in order to correct inaccuracies on my credit report. Oftentimes I have not received a response within 30 days and most recently it has been over 60 days without a response. I have sent letters XX/XX/20, XX/XX/20, XX/XX/20, and now XX/XX/20. I have multiple bankruptcies reporting on my credit report that have indeed not been filed and the bureau refuses to correct or send proof of these accounts legitimacy. I am distressed and I am being negatively affected by these mistaken erroneous accounts. I will attach the most recent letter I will be sending out to the bureau.

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 2021-08-05
Company: EQUIFAX, INC.
State: NJ
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 XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This Account have been in my credit report more than 11 years is legal to have this in my credit report for this long please remove creditor as soon as possible thank you.

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 2021-08-06
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:
XXXX XXXX XXXX is reporting a collection in my name that isn't mine to both XXXX, Equifax, and XXXX. I have a common name and it seems someone with the same name has a defaulted account that is showing up on my credit report in error. I demand this gets removed right away. I have never defaulted on any accounts. I am trying to refinance my house and my credit scores are 100 points less than they should be due to this reporting issue. I have attached my identity documents to prove that this was never my account as well as my credit report profile data. All my previous addresses are valid for me. Over the past 12 years, I have never received mail at any other addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
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:
This account is not mine and not related to me. I am victim of identity theft and I do not want to be any longer in a position where I have all these issues in my report. Please remove this 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 2015-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I disputed an inaccurate negative record appearing on my credit report with TransUnion, XXXX, and XXXX. It was reported by XXXX XXXX XXXX. I also filed a complaint against XXXX XXXX XXXX with CFPB. XXXX responded and advised that they had submitted for deletion of the record and provided a reference number - " AUD deletion, control # XXXX '' The record was deleted from all XXXX reports. On yesterday, however, I received a notification that TransUnion had reinserted the exact same negative account on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Upon checking my credit report, I noticed a number of fraudulent inquiries. I didnt request credit from the following companies. 

1. XXXX XXXX XXXXXXXX 2. XXXX XXXX XX/XX/21 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXXXXXX 5.XXXX XXXX XXXX 6.XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX 10. XXXX XXXX XXXX 11.Ally XXXX XXXX 12. XXXX XXXX XXXX XXXX 13. XXXX XXXX XXXX XXXX 14. XXXX XXXX XXXX 15. XXXX XXXX XXXX XXXX 16. XXXX XXXX XXXX XXXX Please see FTC report attached. All of the following inquiries are fraudulent!!

Company response to consumer: Closed with explanation