BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-11
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act Convergent XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. XXXX XXXX number # XXXX, Account number : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. XXXX XXXX XXXX number # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX 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 explanation
Consumer complaint received 2022-06-11
Company: Experian Information Solutions Inc.
State: CT
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:
Hello guys, I have been disputing accounts with the credit bureaus and they have not given me an answer on the status of the disputes. 

And also notice that they indicate that " They have not been able to verify my identity '' when from the beginning I have sent them all the required documentation. 

I want them to open an investigation immediately with the accounts they are reporting to me. And I don't want them to keep playing with my time by insinuating that I'm not the one disputing my accounts.

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 2022-01-26
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Hello, I received XXXX emails on XXXX different dates notifying me an account was made using my personal information. TD bank was successful and sent me a debit card in the mail to my address. While XXXX XXXX was unsuccessful due to them not having enough information to successfully create an account. Ive only used 1 bank for the past 7 years. I dont need any new ones. I reached out to both banks fraud department and there is now a pending investigation for both. I was told to reach out to the federal trade commission for future occurrences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26
Company: JPMORGAN CHASE & CO.
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
XXXX You've committed " FRAUD '' It has been brought to my attention 15 usc 1692 ( a ) ( i ) you have reported my personal/private information with third party agencies with out direct consent from me the original " CREDITOR '' Pursuant to usc 1605 the finance charge is the sum of charges with insurance included Pursuant to 15 usc following 15 usc 1635 Rights of Recission I demand you remove these neagative items off of my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: Healthcare Collections-I, LLC
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was charged for medical bills that should have been paid in full by XXXX. And some of the bills in collections are duplicates.

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
Consumer complaint received 2017-07-24
Company: EQUIFAX, INC.
State: OR
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 an account called XXXX XXXX on my equifax credit report. I do n't believe this account belongs to me. I have been provided with no proof that I have contracted with them. No documents showing that I agreed to owe them money. Equifax also removed this account then added it back the next day which dramatically affected my report negatively and they did not notify me of this activity which they are required to do. I have notified equifax of this error and they still refuse to abide by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
On XXXX I bought a house XXXX XXXX XXXX XXXX CA XXXXhaving two loans the first lien was with XXXX  and the second lien with XXXX. 
in XXXX I had a loan modification with XXXX. the loan officer who helped me to modify the first loan did not say anything about the second loan and we forgot all about it. later we found out that XXXX filed XXXX. suddenly I started receiving phone calls from XXXX threatened me to foreclose my home. they actually have a sell day The loan with XXXX was XXXX and XXXX  are demanding 100K cash they referred me to XXXX XXXX XXXXo get the 100K loan. interest rate and processing charges were outrageous. when I threatened them to complaint for predatoring lending they cancel the loan I have contacted other lenders to see if I can get a loan to pay XXXX  so they can stop harassing me. Finally, XXXX XXXX  agreed to accept the refinance and pay XXXX underwriter asked for documents for the charge off date from XXXX They don't have any document. they could not provide any document to match the account number. and the loan died. now they threaten me that the house it's for sale on foreclosure. 
I pay XXXX  First loan on time every month. and I don't understand how XXXX is going to sell my house next month. when my first lien with XXXX is current.

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 2022-01-26
Company: Westlake Services, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
XXXX/WESTLAKE FINANC You've committed " FRAUD '' It has been brought to my attention 15 usc 1692 ( a ) ( i ) you have reported my personal/private information with third party agencies with out direct consent from me the original " CREDITOR '' Pursuant to usc 1605 the finance charge is the sum of charges with insurance included Pursuant to 15 usc following 15 usc 1635 Rights of Recission I demand you remove these neagative items off of my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have recently obtained a copy of my credit file and there are many mistakes in my report. XXXX - XXXX : Unverified account XXXX XXXXXXXX XXXX - XXXX : Unverified account XXXX - XXXX : Unverified account XXXX XXXX XXXX - XXXX : Unverified 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 2017-07-24
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
More than 10 years ago I was given many false promises about financial aid and student loans. I was told there would be zero interest. I was told the loans would be capped off at a certain amount. I was told many lies by my school the loan complains and advisors. Now I 'm $ 60,000+ in debt for going to a two year XXXX college that only costs {$80.00} per credit for a two year general studies degree.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2020-01-06
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Citi bank package with {$400.00} + {$100.00} welcome bonus onXX/XX/2019. All the requirements were meet by XX/XX/2019. It has been over 60 days since both requirements were meet, however, the bonus has not been posted yet. Please ask Citi to honor the offer and post the credit as soon as possible. Here are more details. There are two requirements to earn {$400.00} + {$100.00} bonus. The first requirement, for {$400.00} bonus, is to keep more than {$15000.00} new funds over 60 calendar days, which was fulfilled by XX/XX/2019. The second requirement, for {$100.00} bonus, is to receive the direct deposit for two months, which was fulfilled in both XXXX and XX/XX/2019. Please ask Citi to post {$500.00} credit as advertised.

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 2022-01-26
Company: DISCOVER BANK
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
DISCOVER FINANCIAL SER You've committed " FRAUD '' It has been brought to my attention 15 usc 1692 ( a ) ( i ) you have reported my personal/private information with third party agencies with out direct consent from me the original " CREDITOR '' Pursuant to usc 1605 the finance charge is the sum of charges with insurance included Pursuant to 15 usc following 15 usc 1635 Rights of Recission I demand you remove these neagative items off of my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: EQUIFAX, INC.
State: GA
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:
I have recently obtained a copy of my credit file and there are many mistakes in my report. XXXX XXXX XXXX - XXXX : Unverified account XXXX XXXX XXXX - XXXX : Unverified account XXXX XXXX XXXX - XXXX : Unverified account XXXX XXXX - XXXX : I have never paid late

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I have recently obtained a copy of my credit file and there are many mistakes in my report. XXXX XXXX XXXX - XXXX : Unverified account XXXX XXXX XXXX - XXXX : Unverified account XXXX XXXX XXXX - XXXX : Unverified account XXXX XXXX - XXXX : I have never paid late

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: Experian Information Solutions Inc.
State: GA
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:
I have recently obtained a copy of my credit file and there are many mistakes in my report. XXXX XXXX XXXX - XXXX : Unverified account XXXX XXXX XXXX - XXXX : Unverified account XXXX XXXX XXXX - XXXX : Unverified account XXXX XXXX - XXXX : I have never paid late

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: Resurgent Capital Services L.P.
State: NY
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:
I have a major issue with this account XXXX XXXX XXXX states it was open back in XXXX was opened by my spouse XXXX XXXX and appeared on my credit reporting agencies XXXX XXXX filed bankruptcyXX/XX/XXXXunder file XXXX and put this XXXX XXXX XXXX on his chapter XXXX and its appearing on my credit information XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX phone XXXX than it was sold to LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX XXXX was sold again to a letter I recently rec ; d XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX, XXXX Been receiving harassing phone calls every day XXXX Acct number XXXX Current due XXXX LVNV Funding LLC re ; XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: EQUIFAX, INC.
State: PA
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:
The following inquiries are unauthorized : 1. Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX 2. Creditor : Make XXXX XXXX. 
Inquiry Date : XX/XX/XXXX 3. Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX 4. Creditor : XXXX XXXX XXXX Date : XX/XX/XXXX 5. Creditor us SM bus admin XXXX XXXX Date : XX/XX/XXXX XXXX. Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX. Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX 8. Creditor : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX 9. XXXX XXXX XXXX Date : XX/XX/XXXX 10. Us SM bus admin XXXX Inquiry Date : XX/XX/XXXX 11. Creditor : XXXX Inquiry Date : XX/XX/XXXX 12. Creditor tax return but youve got to do it whenever you have a part theres no way around it now I know youre asking about disregarded entities to chill out Im trying to build a baseline : XXXX  XXXX Inquiry Date : XX/XX/XXXX 13. Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 14. Creditor : XXXX INQUIRY DATE : XX/XX/XXXX 15. Creditor : XXXX XXXX Inquiry date : XX/XX/XXXX 16. Creditor : XXXX Inquiry date : XX/XX/XXXX17. Creditor : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX 18. Creditor : XXXXXXXX XXXX Inquiry date : XX/XX/XXXX 19. Creditor : XXXX XXXX Inquiry date :XX/XX/XXXX20. Creditor : XXXXXXXX XXXX  Inquiry date :XX/XX/XXXX 21. Creditor : XXXX Inquiry date :XX/XX/XXXX 22. Creditor : XXXX XXXX Inquiry date : XX/XX/XXXX23. Creditor : XXXX XXXX XXXX XXXX Inquiry date :XX/XX/XXXX 24. Creditor : XXXX Inquiry date : XXXX XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells Fargo Bank has closed my account and already have used my information without my permission. Closed my account without my permission

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 2022-06-11
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I have been paying {$10.00} a month for over a year to protect my credit by locking my file, monitoring my bank account, phone numbers, emails, and social security. Today i received an email saying my account was unlocked and cancelled. I tried to renew it but the new price is {$34.00}. I did not receive any email notifying me this would take place and now i only have coverage for reports. I have no dark web coverage like before and I have to pay {$35.00} if i want my file locked.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-22
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax is reporting false information regarding credit card balances and credit scores. After numerous complaints to equifax and verification From credit companies that updated information WAS REPORTED, equifax has yet to update the proper information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response back. I feel like I'm being taken advantage of and that I'm not being taken seriously. After doing research, Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed now. The inaccurate information is preventing me from getting approved for the things I need to have and causing me to pay higher than necessary interest rates. My information was also impacted by the equifax data breach and may have got in the hands of the wrong person. I will file for litigation if I have to. Please resolve the issues with my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Experian Information Solutions Inc.
State: PA
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:
The following inquiries are unauthorized : 1. Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX 2. Creditor : XXXX XXXXXXXX XXXX. 
Inquiry Date : XX/XX/XXXX 3. Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX 4. Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX 5. Creditor us SM bus admin Oda Inquiry Date : XX/XX/XXXX 6. Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX 7. Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX 8. Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 9. XXXX XXXX Inquiry Date : XX/XX/XXXX 10. Us SM bus admin Oda Inquiry Date : XX/XX/XXXX 11. Creditor : XXXX Inquiry Date : XX/XX/XXXX 12. Creditor tax return but youve got to do it whenever you have a part theres no way around it now I know youre asking about disregarded entities to chill out Im trying to build a baseline : XXXX XXXX Inquiry Date : XX/XX/XXXX 13. Creditor : XXXX  XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 14. Creditor : XXXX INQUIRY DATE : XXXX XXXX 15. Creditor : XXXX XXXX Inquiry date : XXXX XXXX 16. Creditor : XXXX Inquiry date : XXXX XXXX 17. Creditor : XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX 18. Creditor : XXXX XXXX Inquiry date : XXXX XXXX 19. Creditor : XXXX XXXX Inquiry date : XXXX XXXX  20. Creditor : XXXX XXXX  Inquiry date : XXXX XXXX 21. Creditor : XXXX Inquiry date : XXXX XXXX 22. Creditor : XXXX XXXX Inquiry date : XXXX XXXX XXXX. Creditor : XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX 24. Creditor : XXXX Inquiry date : XXXX XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time.

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