BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
TransUnion XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX date:XX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. XX/XX/XXXXc-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXXXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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 2022-05-24
Company: EQUIFAX, INC.
State: MS
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 and XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my witten instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: Green Trust Cash, LLC
State: AR
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I am writing regarding Green Trust Payday Loans. I applied for a {$350.00} payday loan on XX/XX/2016. I am XXXX years old and I had extremely high medical and hospital bills based on XXXX and I needed a loan desperately to pay my utilities so that they would not be disconnected. At the time I did not look closely at the very high interest rate and the method of payment.The rate of this loan is 369.64 %. The finance charges are {$1900.00} for the amount financed for {$350.00}. The total I have to pay is {$2200.00}. I am unable to pay that. The company keeps trying to get direct payments from my bank, but I had to put a stop payment on it. When I get on my feet. I asked them if I could set up a payment plan. That will also be a financial struggle. Is it legal for a payday loan company to charge this much? I have seen reviews and complaints on this company from many people who are appalled at this company as I am. They have taken money from accounts that are not authorized. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: Rocket Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My wife received a piece of mail from Quicken suggesting we refinance our mortgage to a higher rate and extended term. Yes, we could save more on our monthly payment by doing so ; however, I could not find anywhere in the letter where they indicated that this would result in our paying more interest over the life of our loan. And after doing calculations on my own, it looks like it would be XXXX upon XXXX of dollars more. Maybe I 'm overly sensitive at this time due to the buzz around Quicken 's Rocket Mortgage ad during the XXXX XXXX, but I 'm really getting fed up with Quicken 's aggressive marketing tactics that seem to go against Truth In Lending principles.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
First, I attempted to register with XXXX so I could monitor my credit but I was unable to successfully register due to " incorrect information '' error. Later, I attempted to get my credit reports from XXXX. This too was unsuccessful and I fear that the credit bureaus may have my information wrong. 
Attached are documents regarding my identification. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Wrong information

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 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX XXXX  XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$590.00} ), XXXX XXXX  XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$590.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, Highest Balance {$1000.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX Balance : {$650.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal 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 non-monetary relief
Consumer complaint received 2022-05-24
Company: BARCLAYS BANK DELAWARE
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX BRCLYSBANKDE XXXX XXXX XX/XX/22 RE. We have disputed 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 2022-05-24
Company: JPMORGAN CHASE & CO.
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX JPMCB CARD XX/XX/22 RE. We have disputed this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax continues to report credit card account information that is older than XXXX years. After I disputed the report, Equifax stated their investigation conclusion as " This creditor/agency has verified to OUR company that the date of last activity is being reported correctly. Date of Last Activity : N/A '' It 's not possible to verify 'N/A ' as a date. The attached document is a prior credit report indicating this account was due to stay on the report until XX/XX/2015. Once XXXX passed, " N/A '' was substituted for an actual date, and the account remains on the report. I believe no investigation occurred and information older than XXXX years is still being reported by Equifax, despite being removed by both XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
Wells Fargo Mortgage took over my home mortgage from another bank. 
Since Wells Fargo Bank did not offer COFI based ARM mortgage product, it moved me to a new index Federal COF Index. Wells Fargo insisted me to go with the new Federal COF Index which supposed to be more stable and reliable. Well, it has been over 5 years and all these years, I am losing so much on Interest charged on these loans. It has been at least XXXX basis points for all these years, resulting a loss of about {$20000.00} in interest payments.

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 2022-05-24
Company: Experian Information Solutions Inc.
State: IL
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 # XXXX with XXXX XXXX XXXX XXXX ( original creditor XXXX 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 an 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 2022-08-29
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
To Ally Legal department : As of XXXX my account remains open due to the incompetence of your procedures. Ally bank received my Payoff check from XXXX bank mid XX/XX/2022 for the car loan Ally bank did not apply the chk till XXXX. This in turn Caused my account to go past due. 

This cased my credit to drop XXXX point XX/XX/2022 and a finance charge of {$80.00} to be applied to my open balance. ( account still not closed ) Because my credit is no longer A+ your bank has caused me financial stress as I can not close my home refi. 

My new home loan is now compromised due to Ally banks error as the interest rates have gone up since XX/XX/2022. 
For these reasons, I will be seeking compensation through my attorney and any legal Avenue.

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 2022-08-29
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Lien Enforcement Inc
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/XXXX a XXXX XXXX registered to me XXXX XXXX was sold to XXXX XXXX ( XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX ) for {$250.00} by the XXXX Police Department at XXXXXXXX XXXX  XXXX XXXX, TX XXXX. This vehicle was reported stolen to the XXXX XXXX Police Department in XX/XX/XXXX of XXXX. The vehicle location and condition was never given to me by either the XXXX XXXX Police Department or the XXXX Police Department and I only known the condition and status of the vehicle by Lien Enforcement Inc. XXXX XXXX XXXX XXXX, FL XXXX when they requested payment of {$1500.00}. Lien Enforcement is threatening to report the amount of {$1500.00} to the credit bureau as an uncollected debt but I never received notification of my stolen vehicle. The sale of my vehicle to XXXXXXXX XXXX XXXX  is unlawful as there was no notification of the condition or location of my stolen vehicle. I am asking consumer financial protection bureau to work on my behalf to dismiss the debt requested by Lien Enforcement Inc and to help me avoid getting this debt reported to the credit bureau to my credit because the process followed did not allow me to work with my insurance company to resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX was previously deleted from my credit reports due to the account not being mine. The account has now reappeared to my Equifax as a delinquent account. This account is not mines. The balance on the account is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: WELLS FARGO & COMPANY
State: DC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Dear Consumer Financial Protection Bureau, My name is XXXX XXXX and I had a Wells Fargo VISA Signature Card ending in XXXX. 
I received a letter from Wells Fargo on XXXX XXXX, 2016 noting that there had been some suspicious charges on my account and that if this particular account activity continued after receiving this letter, Wells Fargo noted they would close my account. 
The charges were valid charges, however, I followed the direction and did not make any additional charges whatsoever after receiving the letter on XXXX XXXX, 2016. 
Logging into my online account yesterday, I noted that my credit card has now been closed without warning or letter from Wells Fargo. More importantly, the {$1500.00} in Wells Fargo Go Far Rewards have not posted and have been XXXX out. 

This is wrong. I received a letter from the credit card company/bank and I followed the letter 's directions and did n't make any additional charges. Additionally, for them to close my credit card account outright without notifying me first is also wrong I believe. All charges were valid. Lastly, if they so choose to close my account for whatever reason, I should be entitled to the {$1500.00} in rewards points I rightfully earned. 

Wells Fargo runs a promotion and refuses to pay out to their customers? I believe this is wrong and I am expecting to get paid out my {$1500.00} in rewards. I am hoping you can step in on my behalf.

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 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In accordance with the Fair Credit Reporting Act. Fair Credit Reporting Act ( FCRA ) is meant to ensure accuracy on your credit reports. Failing to send you notifications about your credit report or score in violation of the FCRA. Agencies fail to follow guidelines for handling disputes never giving notice of anything being investigated by mail in 5 days or more. Creditors give reporting agencies inaccurate financial information about me. 

Make sure my report is reporting 100 percent accurate, same line by line on all 3 bureaus or remove accounts, as they are violating my rights if there not 100 percent the same

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-18
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
AS WRITTEN ON ATTACHED COPY I SENT IN 2 SETS OF DOCUMENTS WITH DRIVER 'S LICENSE, SOCIAL SECURITY CARD ECT. BUT THE ONLY THING I GET BACK IS THE DOCUMENT I HAVE ATTACHED. I 'VE CALLED 3 TIMES AND KEEP GETTING HUNG UP ON. AND YES I THINK THIS IS A TAYLORED EXTORTION TO MOTIVATE ME TO PAY MONEY FOR THE REPORT AND XXXX SCORE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-17
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have repeatedly requested a correction to reflect I have never lived at the address of XXXX XXXX XXXX, XXXX XXXX XXXX from Equifax, which is the only agency reporting this as one of my previous addresses. They have never corrected the error over the course of several years. My credit history and score are exemplary so I suffer no consequences from the error, but Equifax just continues to fail to correct the error. I know there is another XXXX XXXX in XXXX XXXX. There was a XXXX XXXX XXXX that went to the same XXXX as me, but I am XXXX XXXX XXXX. At any rate, I have never had a residence of XXXX XXXX XXXX, XXXX, XXXX. I really wish this would be corrected. I have made several requests for correction but have never received any response to my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
The monthly payment on my house increased all of the sudden a few years ago ; making it impossible for me to keep current because the monthly payment was too high. I tried to resolve the situation by trying to apply for a loan modification but I was always denied by the creditor. It seems that they rather have an empty house than give me a chance to pay my debt that I defaulted on. Lastly, I was doing a short sale on the property but the bank is not cooperating with me. They always have excuses on not letting me solve the issue on the house.

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 2022-05-24
Company: Experian Information Solutions Inc.
State: IL
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:
In accordance with the Fair Credit Reporting Act. Fair Credit Reporting Act ( FCRA ) is meant to ensure accuracy on your credit reports. Failing to send you notifications about your credit report or score in violation of the FCRA. Agencies fail to follow guidelines for handling disputes never giving notice of anything being investigated by mail in 5 days or more. Creditors give reporting agencies inaccurate financial information about me.

Make sure my report is reporting 100 percent accurate, same line by line on all 3 bureaus or remove accounts, as they are violating my rights if there not 100 percent the same

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 2022-05-24
Company: EQUIFAX, INC.
State: IL
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:
In accordance with the Fair Credit Reporting Act. Fair Credit Reporting Act ( FCRA ) is meant to ensure accuracy on your credit reports. Failing to send you notifications about your credit report or score in violation of the FCRA. Agencies fail to follow guidelines for handling disputes never giving notice of anything being investigated by mail in 5 days or more. Creditors give reporting agencies inaccurate financial information about me. 

Make sure my report is reporting 100 percent accurate, same line by line on all 3 bureaus or remove accounts, as they are violating my rights if there not 100 percent the same

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo foreclose on my home on XXXX XXXX, 2016 without any notification, notice and/or warning. I was not allowed to try to save the home, nor was I notified by regular mail or certified mail. I have been trying to contact the lender and although I have been able to speak to someone, they are being unreasonable. 
I am desperate for someone to assist me with this problem. My lender never assisted with any foreclosure postponement, nor did they do what the government says that a lender should do to provide foreclosure alternatives to me and my family. What they did do was bully me and pressure me to move out of the home.

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