BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-29
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Our Loan was transferred or sold to another company. The sale or transfer date was XX/XX/2019. The new owner was XXXX XXXX with Servicing of the loan being handled by XXXX XXXX. The Loan number is XXXX The actual transfer happened on XX/XX/2019. 

Recently we have been having problems with, first the XXXX XXXX loan shwing on our credit report starting this month as being OPEN with a balance of {$190000.00}. We put in a compliant to XXXX through CFPB ( this format ) on the XXXX of this month. On the XXXX the credit reports started showing the XXXX XXXX loan being closed, but the our XXXX account shows that there were other things also happening in the credit file that shows changes were made to the XXXX XXXX credit file that not only altered the dates or recorded delinquent periods. This in fact lowed my credit score for that account. Put a call into the CFPB this morning and was told that XXXX  indicated that the account could only be controlled by XXXX XXXX, and they were the ones that did not close it, and if I needed anything change or corrected, I would need to contact XXXX  and ask for Trade Line. I'm not clear who made the changes and why would XXXX/XXXX  XXXX would make such changes, being it something we had never before experience when were were with them. They have for the past ten years been an stellar and exceptional mortgage servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: DISCOVER BANK
State: MD
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:
My credit card payment was due on XX/XX/XXXX at Discover -- I never received a statement of notice that the account was late on XX/XX/XXXX -- via email or mail ( I received daily US postal scans ) I have a copy of all scanned mail and none from Discover. I was never notified that I was a day late. I also, contacted XXXX ( case number XXXX ) to verify that I received no email from Discover in the month of XXXX ). Not even my monthly statement that I should have received on XX/XX/XXXX. Therefore, no emails from Discover was received to my XXXX email or Spam folders, etc. I received an email on XX/XX/XXXX that payment was late, of which I paid immediately, the same day. However, Discover had sent late payment with no grace period or notice to the Credit Bureau on XX/XX/XXXX. I should have received some type of communication prior to sending this directly to collections. My credit rating has been XXXX for over 20 years!!! This is unacceptable! Yes, I was late with XXXX being a short month and the day my payment was due, but I was due a NOTICE or GRACE period. I am in the process of seeking legal action. Do I have a case? Thanks in Advance I live in the Maryland area. My address is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MD. XXXX -- email address XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, 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:
Hack on Equifax is ridiculous, they should have never stored that much personal information in plaintext. There needs to be repercussions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: CL Holdings LLC
State: MN
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:
JEFFERSON CAPITAL SYSTEM is reporting a collection account for a XXXX XXXX account that I have never opened I have asked several times to provide me with a signed contract because I have no knowledge of this account when I disputed this with the credit bureau within 2 days they come back with account verified but not providing me anything that shows that I signed a contract I also contacted the collection company and asked for a contract which I have not received I previously disputed this when the account was with another collection company and it was deleted from my report after cfpb got involved and since then the account was sold to another collection company and now back reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have been in written contact with Transunion over XXXX times, I have ask them to investigate and provide proof of verification regarding late payment of XX/XX/2020 on account XXXX XXXX with the following account 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I can not begin to tell you how this has caused me and my family much anguish and pain. I can not move my children into a safe neighborhood because I am constantly being denied for a loan. Do you know how this feels. Transunion violated my rights under the 15 USC 1681 section s 604A that a consumer reporting agency can not furnish information on any consumer report with out written consent from the consumer. I have not given them written consent to furnish anything. Furthermore, according to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( XXXX ) EXCLUSIONS.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

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 2017-08-25
Company: WELLS FARGO & COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Wells Fargo decreased my credit limit based on a recent update to my credit. I have never had a late payment and have made large lump payments in the past. They did not warn me about the change and it is also going to impact my score by increasing my debt to credit limit ratio. This is egregious behavior in their part because they are causing a " double hit '' on my score. I wast even made aware of the change until I tried to use the card for car repairs.

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 2017-08-25
Company: CAVALRY INVESTMENTS, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A collection agency, Calvary Portfolio Service, fraudulently re-aged a past due debt, making it look like the account became delinquent later than it did. The account has actually been past due in excess of seven years and is also required to be removed from my credit report by law. I have filed disputes with the respective credit repositories -- but the continue to be listed as negative / outstanding item on my credit report due to the collection agency fraudulently re-aging the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
According to the Fair Credit Reporting Act ( FCRA ), past due accounts can only remain on your credit report for seven years from the first date of delinquency. My account with XXXX XXXX XXXX become delinquent on XX/XX/2010. The first date of delinquency is in excess of seven years ( 7 ) and should be removed from my credit report. In addition, a collection agency, XXXX XXXX XXXX, fraudulently re-aged a past due debt, making it look like the account became delinquent later than it did. The account has actually been past due in excess of seven years and is also required to be removed. I have filed disputes with the respective credit repositories -- but both accounts continue to be listed as negative / outstanding items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Cascade CISS Holdings, LLC
State: NC
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:
XXXX XXXX/FTC REPORT cover letter/ social/ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX- XXXX XXXX- XXXX I personally did not authorize or submit to any inquiry or credit check from ANY of these companies. One company was even able to pull my credit file TWICE IN two days! I never approved or even attempted to have my credit pulled bc at the time I was highly financially affected by XXXX. From immediate family to extended family to myself. There was no way I could afford any big purchases that required credit pulling. I'm asking that ALL of these inquiries be IMMEDIATELY removed from EVERY CREDIT BUREAU due to fraudulent reporting and sensitive information misuse. This is immoral and illegal. I never spoke to these people, never met these people, let alone give out MY SOCIAL SECURITY NUMBER for items or services I KNEW I could not afford or maintain. This is an EXTREMELY URGENT matter that needs to be taken VERY SERIOUSLY. I am willing to proceed under a court of law if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
According to the Fair Credit Reporting Act ( FCRA ), past due accounts can only remain on your credit report for seven years from the first date of delinquency. My account with XXXX XXXX XXXX become delinquent on XX/2010. The first date of delinquency is in excess of seven years ( 7 ) and should be removed from my credit report. In addition, a collection agency, XXXX XXXX XXXX, fraudulently re-aged a past due debt, making it look like the account became delinquent later than it did. The account has actually been past due in excess of seven years and is also required to be removed. I have filed disputes with the respective credit repositories -- but both accounts continue to be listed as negative / outstanding items on my credit report.

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 2017-08-25
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victom of identity theft. There have been numerous erroneous marks against my credit report for some time now. I sent formal dispute letters to Equifax on XX/XX/XXXX. I attached a police report, FTC affidavit and my ID 's. I disputed this item as NOT MINE. Legally they have 45 days to investigate with the lender and provide me notorized proof that the instrument is mine. It has been over 60 days and no proof has been provided. I have followed up making phone calls and each time being hung up on or asked a myriad of personal " security '' questions and told I am not answering them correctly when I know that I am.I called back again and they made me answer 9 security questions unbelievable, finally I got through to someone who said they filed my dispute on XX/XX/XXXX and that I should call back to a certain number XX/XX/XXXX and that it would not be on my credit report if they found no proof it was mine. I called back, the number didnt work! I found a different Equifax number. got a supervisor on the line. Told her all of this, she said it was still on there and under investigation, it would be 30 more days and to call back. That would put me at a 90 day dispute period ... I filed an online identity theft FTC report about this acct on XX/XX/XXXX, also an online dispute again on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Experian Information Solutions Inc.
State: NC
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:
incorrect information, account not mine

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 2017-08-25
Company: WELLS FARGO & COMPANY
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XX/XX/XXXX I consolidated all my sons private college loans with Wells Fargo in the amount of {$86000.00}. My son was the primary borrower and I the co signer on all the private loans consolidated. In order for Wells Fargo to approve the consolidation they told me my son could not be on the loan because of his lack of credit history. The loan for all of my sons student loan debt would only be approved if his debt was consolidated in an educational loan in my name only. Now several years later, over the course of approximately 2 years, I have tried to refinance this educational loan. Every time I am turned down because I am the sole borrower of the educational loan. In order to refinance my son must be the owner of the loan in some way because he was the student. I do not have or remember the names of the institutions that I applied to and was denied for that specific reason. Eventually I stopped applying because each application was a credit inquiry. So instead of applying officially I started to call lending institutions and explain the situation, in each event I was told my son needed to be the borrower of the loan in order to refinance. 
As far as i can see there is no way for me to refinance this loan out of Wells Fargo and I am locked into it until the loan is paid. 
I have contacted Wells Fargo in XXXX and again just recently in XX/XX/XXXX to try to refinance at a lower acceptable rate and both times what I was offered was not acceptable. The first time after paying this loan for 5 years on time I was told I needed a cosigner with an interest rate that was out of the question. The second time I actually asked to have my son as the cosigner ( figuring if I could get him on the loan some how that maybe I would be able to refinance with another institution at a later date ) But the interest rate they offered again was not acceptable. ( My credit score is excellent ). 
I also feel I have should have the right to refinance with another lending institution other than Wells Fargo but the way this loan has been structured by them I do not have that option.

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 2017-06-22
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have not received a statement by mail or email notifications from HH GREG store credit card since the company went out of business. When I contacted customer service they refused to look into the issue and when I asked to speak to a supervisor I was hung up on twice. One representative advised I would have to login to see statements however the website does not allow this per the attached screenshot

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-02
Company: Professional Finance Company, Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX - Balance reported as XXXX starting on XXXX was the collection XXXX XXXX XXXXXXXX Balance reported as XXXX starting on XXXX was in collection PROFESSIONAL FINANCE XXXX Balance was reported as XXXX starting on XXXX XXXX XXXX XXXX  Balance was reported as XXXX starting on XXXX XXXX XXXX XXXX Balance was reported as XXXX on XXXX PROFESSIONAL FINANCE balance was reported as XXXX on XXXX XXXX XXXX XXXX balance was reported as XXXX on XXXX XXXX XXXX XXXXXXXX  balance was reported as XXXX on XXXX XXXX XXXX XXXX Balance was reported as XXXX on XXXX PROFESSIONAL FINANCE XXXX Balance was reported as XXXX on XXXX PROFESSIONAL FINANCE XXXX  Balance was reported as XXXX on XXXX ACCOUNT NAME UNKNOWN Balance was XXXX as of XXXX XXXX XXXX Balance was reported as XXXX as of XXXX XXXX XXXX Balance was XXXX as of XXXX XXXX XXXX  Balance was XXXX as of XXXXXXXX XXXX XXXX  Balance XXXX as of XXXX XXXX XXXX XXXX  Balance was reported as XXXX as of XXXX XXXX XXXX Balance was reported as XXXX as of XXXX XXXX XXXX Balance was reported as XXXX as of XXXX All of these accounts are listed as MEDICAL accounts at a time in which I had health insurance and I was told that the premiums for each visit would be covered. This information on my report needs to be reviewed because I do not feel that I should be held reliable for these charges. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: TX
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/2022, I sent a letter to the credit bureaus asking for them to perform a proper investigation of accounts on my credit report. The credit bureaus stated that the following account/accounts was/were properly investigated, but how is that possible if there are still obvious reporting errors on my credit report? I will upload copies of my credit report with the errors marked for evidence as well. Regardless, this behavior is grounds for removal. The accounts in question are as follows : 1. Account Name : XXXX XXXX XXXX Account Number : XXXX In addition, they have also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report.

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 2022-03-08
Company: REGIONS FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
This company is currently reporting a hard inquiry to my credit file, I have never given the permission to do so. I have never done business with this company.

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 2017-08-25
Company: CASHCALL, INC.
State: NJ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I am getting harassed multiple times a day by calls coming from ( XXXX ) XXXX and XXXX. They threaten that they have complaints against me, orders against me and will be serving me. They have no intention of serving me so that alone is a violation of the FDCPA. Let 's continue. They threaten if I do not respond an order will be placed against my parents. They threaten they will contact my HR department to aid in serving me. 

I called back they have my SSN and other info and say it 's for a payday loan from XXXX. 
1 ) Pay day loans are not legal in NJ 2 )XX/XX/XXXX is past the statute of limitations on debt in NJ 6 years. This alone proves they are in violation of the FDCPA by threatening to serve me with no intention of doing so as they ca n't for a debt past the statute of limitations. 
3 ) I had a XXXX bankruptcy discharged XXXX so even if the debt was valid which it 's not it is illegal for them to attempt to collect as it was discharged. 

They are misrepresenting and violating the FDCPA and I would like them to stop.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
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: Information belongs to someone else

Complaint:
I was going through my credit report and notice several fraudulent accounts on my credit report. i provided a copy of my ID to prove my identity.

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 2017-08-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I purchased my home on or about XX/XX/XXXX.I was forced to sign for 2 mortgages to be able to get the loan i was not aware of this until the day i showed up for closing. The house is underwater now. Iask Wells Fargo for forgiveness on the this loan. I feel that i was taken advantage of in this loan. I have paid this for 10 years, and feel as if this should be forgiven.

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