BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-26
Company: Social Finance, Inc.
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:
My XXXX credit report was accessed on XX/XX/2021 as indicated by a hard credit inquiry by SOFI/XXXX ( XXXX XXXX XXXX XXXX  ) I did not initiate this inquiry nor did I apply for credit with this company or their affiliates. I sent a letter via USPS to the address indicated on the XXXX credit report indicating this fact and that they did not have a permissible purpose to access my credit report. The company has been non-responsive. The Fair Credit Reporting Act 616 provides for the following : Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' My credit rating has been damaged as a result of their unauthorized credit inquiry ( s ) and I am prepared to seek litigation if this matter is not resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
California Business BU will not validate a debt they 're claiming i owe. The report is showing a debt opened on XX/XX/XXXX for XXXX and then again on XX/XX/XXXX for XXXX for services rendered at XXXX XXXX XXXX XXXX. I sent out debt validation request initially in XX/XX/XXXX and followed up with a certified request again in XX/XX/XXXX, as this debt is n't correct or true. As of today, this debt has not been validated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
3 years ago ... we received a Shared Modification from Ocwen ... They are the epitome of a THIEF. Thy request invoices and documents of what was updated in our home. We submitted them and they have the nerve too say we can not confirm. ARE THEY A BUNCH OF XXXX OR WHAT. We fixed and updated our bathroom utilizing XXXX XXXX to complete the job. W also used a glass company to replace the Shower door. sent in those invoices. They are fools and idiots and I am tired of going back and forth. WHY ARE YOU PEOPLE NOT DOING SOMETHING ABOUT THIS COMPANY. 
I have had it with them trying to rip us off. 
Now the invoice for the shower is {$4200.00} and the invoice for the shower door is {$1300.00}. Where they got the invoice where they saw {$780.00} is beyond me. They are bunch of XXXX people. Also submitted invoice where new roof was done, gutters replaced and siding and new windows. 
NOW YOU HAD BETTER TAKE CARE OF THIS AS WE ARE FED UP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i have XXXX hard inquiries on my credit report from XXXX company that i never applied for and im having a hard time getting these inquires as the credit bureaus are giving me a hard time about removing them

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 2022-07-26
Company: Experian Information Solutions Inc.
State: MA
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 disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be a fraud, see attached FTC Report. Moreover, no adequate information has been given, and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2016-07-21
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX XXXX/XXXX/16 This is an unauthorized inquiry with NO PERMISSIBLE PURPOSE. As such, it must be deleted.

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 2015-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
When I went to purchase a car at a dealership I gave specific instructions I would be financing the vehicle through XXXX XXXX XXXX. Without my permission the dealership shopped the loan at XXXX additional lenders on XXXX XXXX, so a total of XXXX hard inquiries were added to my Transunion Credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
This company is reporting that i have one 30 day late payment with them and also a 60 day late payment with them. Please be further advised, I dispute the validity of the alleged late payments in its entirety. Further I request verification of the alleged late payments.i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In attempting to verify my identity the XXXX credit agencies use information from my relatives then hold it against me that I do not know the answer. Transunion is the biggest culprit of this, where it is at the point that I am unable to get my own credit report due to their clerical incompetence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a Home Modification from Chase who is our servicer and XXXX XXXX was the investor last XXXX XXXX. We were approved and they sent us the paperwork saying that there will be a 3 months trial period starting XXXX XXXX, XXXX to XXXX XXXX, XXXX and after that will send the final documentation. After paying the XXXX, XXXX, they are giving us the run around as if they do n't know when will the final documents will be sent. They do not respond to our calls, they even changed our relationship manager. Finally, the new manager assured us that documents will be sent and the payment for XXXX is waived. The promised date came XXXX, XXXX and still documents are not received. Once again, I called again the relationship manager and was told that they did not know when the documents would be sent out and to keep paying the trial amount in XXXX. He even do n't know when and just keep on paying. 

I already had a bad experience with Chase in the year XXXX. Please let me know how we finish the modification as promised by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: NE
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, 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 2015-05-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax is knowingly reporting false data to my credit report and allowing unauthorized people to make hard pulls on my credit report. They reported information as " verified '' that has recently been removed because the creditors verified they were not my accounts. Equifax has a responsibility to report accurate information and the inaccurate accounts need to be re-investigated and removed since the first " verification '' failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Reference Case number : XXXX. For over 3 years my wife and I have not been able to obtain our free annual credit reports online. For years previous, we had no problems. Queries to the Credit bureaus and the CFPB have been non-productive. I 'm attaching an edited summary of my email exchanges with the Ombudusman office going back to XX/XX/2014. They also have been frustrated and suggested I re-file the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Hello : I have a personal loan with XXXX XXXX from my XXXX degree that I completed in XXXX. I recently went into repayment as of last year and XXXX XXXX failed to update my address and deliver the notice of repayment to me via either email or phone or even regular mail. I spoke with them on the phone about this when first noticed this and they admitted and acknowledged that it was indeed their fault and they would fix it on their end. In addition, they proceeded to immediately report me to credit bureau following the call for being delinquent on my student loan even though I made a payment during the call to make my account current and set up an automatic payment for the lifetime of the loan. I am currently in my XXXX program in XXXX XXXX, XXXX. I submitted a dispute with the credit bureau to attempt to get this information removed from my report or at least a note added about the situation and it was denied after speaking to XXXX XXXX about everything even though I had documentation and proof that was provided about the situation. My credit score took a major hit because of this situation which I found highly upsetting as I was relocating to XXXX  for my XXXX XXXX  earlier this year during the summer. It was almost impossible for me to get approved for an apartment out here. Thankfully my father was willing to co-sign for me and as a result I have to live in student housing at age XXXX years old even though I can afford to live in a real apartment. So I currently reside in a studio apartment due to this issue with XXXX XXXX that has carried over all these years despite it not being my fault. Now, I am reaching out to you to attempt to resolve this issue. Possibly have them dismiss the entire debt because of this error in reporting on their part as I have suffered more than enough due to their incompetence and am tired of dealing with them. For the sake of reporting them to you, I attempted to log into the website and my user account could not be found even though I know the information like my own ssn but, of course the website was down. I was actually happy they sold my loans to XXXX the majority of them and excited about the letter received that notified me I currently had no business with XXXX XXXX back in XX/XX/XXXX. However, imagine my surprise when realized we still had a relationship I was unaware of in XX/XX/XXXX. Anyway, please call me at XXXX to further discussion this issue. I am sick of being messed over by XXXX XXXX and I am surprised they are not at the top of the list of most disputes filled against a company. Thank you for your time and have a blessed day.

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 2017-08-12
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This complaint is regarding a collection agency company, CBE Group, XXXX XXXX XXXX, XXXX XXXX, IA XXXX, XXXX. The debt is from XXXX XXXX XXXX, in the amount of {$160.00}. On XXXX XXXX, 2017 I got a noticed from XXXX stating that CBE has placed a collection in my account, regarding a debt that I had through XXXX XXXX XXXX. But the issue here is that, I was never given a notice in the mail, or email by CBE Group. Nor was I given a phone call. CBE claim that they sent me notice of the debt, but it was sent to the wrong address., and CBE admitted the mistake they made. The bottom line is that, I did n't know anything about this debt, being sent to collection agency. Nor had I any knowledge of it whatsoever from CBE. Had I gotten proper notice of the debt, I would 've paid it immediately, but it was put on collection and posted through the major credit reporting agency, such as XXXX, and now my credit will be immensely affected in a negative way, all because of the mistake that CBE made. Although I paid the whole debt immediately once I found out through XXXX, I 'm still in a lot of stress because it will impact my credit worthiness. It is n't my fault, it 's CBE 's fault that they did n't follow the law, CBE failed to send me written notification of the debt. CBE group di n't follow proper laws and procedure, now, I must suffer due to their mistake. The CBE agent I spoke with said that it will be remove immediately from XXXX, XXXX, and XXXX,. But somehow, I find that hard to believe., nor do I trust CBE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: OK
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, # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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, # 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 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 2016-04-28
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I receive this results from Equifax Today saying for me to contact XXXX, XXXX XXXX bank, XXXX bank. I would Like to stress to EQUIFAX THAT I 'm asking them for that Info per the FCRA THEY reporting agencies SHOULD HAVE THIS INFOMATION ON FILE WHEN THE CONSUMER ASK FOR IT I HAVE THE RIGHT TO ASK THEM TO PRESENT WHAT I 'M ASKING FOR AND THATS WHAT I 'm doing and that 's what I want because I will file law suit as of Noon on XXXX/XXXX/16 in which Equifax should have that noticed in there hand as we speak DO YOU UNDERSTAND ME CFPD THIS IS YOUR LAW AND I THINK YOU SHOULD FOR SURE SEND EQUIFAX A COPY OF THE XXXX XXXX XXXX SECTION OF THE LAW JUST IN CASE THEY DO NOT KNOW THE LAW I ALSO ATTACH ANOTHER COPY OF PORTION OF THE XXXX FCRA PLEASE READ IN EQUIFAX IF YOU DO N'T UNDERSTAND IT YOU BETTER ASK SOMEONE!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
I am hoping to get some guidance on this matter. I have owned my property since XXXX XXXX. In XXXX, I got married and in XXXX XXXX, my husband purchased a property without me. I contacted Wells Fargo on a loan modification and was approved. I started making the payments during the trial period as they requested and completed the trial period. But now they are asking to change the terms of the agreement because they want to make my husband a part of the loan modification on the Home Equity Loan. Wells Fargo is not the primary loan holder on my mortgage, XXXX XXXX XXXX is and I have had no issues with them. I am still making payments on my primary account with XXXX XXXX XXXX and the account with Wells Fargo is a Home Equity. They would not provide me any Florida Statue that states that my husband has to now be on the Home Equity. I just want to make sure that they are not trying to take advantage of my vulnerable state in needing assistance with reducing my mortgage. They also want to give me a rate that fluctuates and I am not sure if that is legal. Please assist if possible. Thank you in advance. I have attached documents such as my marriage license which shows what year I got married. I also attached a copy from the XXXX County Property Appraisers Office that shows when I purchased the property and that my name is the only name on the property. My bank statements reflect the amount that I have been paying since the loan up until the trial period when I agreed with Wells Fargo to pay the reduced loan modification amount and the terms of the agreement would be satisfied and my loan reduction would remain as long as I made the payments in the trial period. I have never been late with payments during the trial period and the reason that I needed the loan modification is because I no longer have the income I once had when the loan was originally given. Again, thank you in advance for any assistance you can provide. I just do n't want the bank taking advantage of me or my husband.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-30
Company: WELLS FARGO & COMPANY
State: IA
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Soon after my refinance loan closed, I received a voicemail from my Wells Fargo Home Mortgage Consultant encouraging me to fill out a customer survey. In the voicemail, for the survey the consultant stated, " Anything less than a 5 we actually fail, believe it or not. So, if you say we did a great job and you give us 4 's. That 's not a passing score on our end. '' The survey ranks responses from 1 ( Not at all satisfied ) to 5 ( Extremely satisfied ). This voicemail from the consultant appears to be another symptom of Wells Fargo 's questionable business practices coupled with unreasonable expectations for employees.

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 2022-07-26
Company: EQUIFAX, INC.
State: WV
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 XXXXXXXX Account # XXXX XXXX XXXX ( XXXX ), XXXXXXXX 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 an consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation