BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-30
Company: Mercedes Benz Financial Services
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I am late on my payment due to unforeseen life circumstances and I called to defer my payment so I can get current again. They agreed but said there would be a XXXX XXXXXXXX interest fee to do so. Then he ( XXXX XXXX put me on hold and came back and said he got it reduced to {$400.00} and that it would stay open for a week or so then go away. He said this is based on my days late and that I should agree not to lock in the {$400.00} over the {$900.00} because if not it will go up. I asked if this was a fee or interest, he said a fee, but its interest. He made no sense and could not explain it in a way that did, and if the deferment would be in place or not. He said they agree to the deferment and it will stay open until I pay the fee. I told him it cant be a fee AND be interest so is the FEE being applied to interest and he could not answer. I asked for a supervisor that could explain this to me better because I was not understanding this. He then transfered me to XXXX XXXX and she could not explain it either. I requested something in writing that explains this and what I would be agreeing to and she put me on another long hold and came back with nothing and said she would transfer me to someone that could explain it. I said thats what the last guy was supposed to do, and asked if she was a supervisor, which is what I requested and she said she was not. So they basically wanted to just keep transferring me around to reps until I just accept this term that makes no sense or give up. I asked for a supervisor and she said she has to put in a request which I had her do and I have to wait for them to call me back. I asked her how long and she said a few hours to a few days, they were all busy helping other people. I have had MANY auto loans and I have NEVER had this kind of FEE/Interest charged when deferring payments. This seems very high pressure and a sketchy way for them to rip people off that are already falling on struggling times trying to keep up. Someone please let me know if this is legit. Because of this they said my 30 day credit will take a hit, they really have no sense of urgency to assist clients, I expected FAR better service from Mercedes Benz, let alone service that seems very sketchy combining Fees with interest, which I do not think you can LEGALLY do?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX XXXXXXXX, I checked out in XXXX XXXX on XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SC. The same day I checked in in another XXXX XXXX in XXXX, GA for 7 days. I spent a little over XXXX months at the XXXX in XXXX, I used to pay weekly. While I am in XXXX, XXXX XXXX in XXXX got XXXX USD on my account for the same week of XXXX to XXXX of XXXX. I discussed that with my bank and they reversed the money. Recently, few weeks ago, when I verified my account, I see that XXXX XXXX got the XXXX again. I reached out to chase customer service, I spoke to different agents for a period of two weeks, they requested documents which I provided. At the end of the day they told me that they could not do anything because the merchant said that I checked out on the XXXX of XXXX. I don't have support of that, I requested proof they didn't provide to me but I have my statement from the XXXX XXXX in XXXX where I was, I have my bank statement where I pay extended Stay in XXXX for XX/XX/XXXX to XXXX. I also have the reservation that will be attached herein. They wrongly got my money and the Bank agreed to give my money to the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was always charged overdraft when I never signed up for overdraft this has put me in bad credit

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 2022-02-16
Company: American Credit Acceptance, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
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 a loan with American Credit Acceptance with the account number XXXXbut I was never late on making my payment. However, the 30 days late which was tagged in different months of 2021 was a question for me since I was never notified nor informed of the said issue. Thus, I have been asking for any proof that can be used for me to validate the result of their investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Hello, I am reaching out yet again in reference to fraudulent items that I have reporting to my credit. After speaking with XXXX, XXXX and Transunion I was told the steps that I needed to take to have these 2 fraudulent accounts removed and even after completing I have yet to get an update let alone a removal. My latest attempt occurred XX/XX/2022 which I submitted a notarized affidavit as well as an FTC report for the accounts in question. Yet these accounts remain on my 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 non-monetary relief
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$19000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}, XXXX XXXX XXXX XXXX Date OpenedXXXX Balance : {$6500.00}

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 2023-05-16
Company: Experian Information Solutions Inc.
State: MN
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:
The following hard inquiry currently showing and listed on my Experian credit report is fraudulent and unauthorized : XXXX XXXX, XX/XX/2023.

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 2023-12-08
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this letter finds you well. I am writing to bring to your attention a matter concerning my credit card account with XXXX XXXXXXXX, and I kindly request your assistance in addressing it. 

Upon reviewing my credit report, I have observed the presence of late payments on my account, specifically for the months XXXX in 2023. I understand the importance of maintaining a positive credit history, and I am committed to ensuring the accuracy of the information reported. 


XXXX XXXX XXXX - This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXXXXXX customer service. 

I kindly request your assistance in reviewing my case and considering the removal of the late payment entries from my credit report. I believe that by doing so, my credit report will more accurately reflect my financial responsibility and positive payment history.

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 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-04-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Bread Financial Holdings, Inc.
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I went to Comenity Banks web site and redeemed XXXX points and I should have received two XXXX gift cards. I did this back on XX/XX/2022 and I have called several times to get an update on the cards. Today I was given a different XXXX to call and I called them and then they gave me another XXXX number to call and they could not help me. So then I made one more call to Comenity Bank and was placed on hold and then hug up on. I ordered these gift cards so that I could have them in time for the holidays. It shows on there web page that they have deducted XXXX points from my total but I have not received the gift cards as of today.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX BANK XXXX XXXX : {$1100.00}, XXXX XXXX Balance : {$1400.00}

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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act ( FCRA ). 

XXXX  # XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX have violated my rights. 

The FCRA, specifically 15 U.S.C. 1681 section 602 A, grants me the right to privacy.

In addition, 15 U.S.C. 1681 Section 604 A Section 2 prohibits consumer reporting agencies from furnishing any account information without my written instructions.

Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including any adverse item of information, except for records of convictions of crimes that occurred more than seven years before the report.

Finally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits any person from furnishing inaccurate information about a consumer to any consumer reporting agency.

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 2023-07-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I wrote 8 letters to agencies to investigate my report. I requested inaccurate information be removed, it was not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from 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 non-monetary relief
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately. 

Please remove all negative accounts and the bankruptcies off of your 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 2021-05-11
Company: WELLS FARGO & COMPANY
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 filed a complaint with the Consumer financial protection bureau regarding incorrect reporting in my credit report. XXXX has not yet finished my Dispute with Wells 's Fargo. However as of XX/XX/XXXX my credit score has decreased from XXXX to now XXXX in less than one month after my file dispute. Nothing in my credit report has changed and my payment history is currently exceptional with no missed payments or new hard inquiry. The only missed payments are the incorrect data from Wells Fargo back in XXXX which is currently unchanged or corrected regarding my dispute with XXXX. How can my credit report decrease 71 points when nothing has changed with my credit report? The other credit reporting agency 's credit score has not changed regarding my dispute with Well 's fargo that is much higher than my recent decreased credit score with XXXX.The previous dispute information is below with attachments. 




I made Payments On the loan on XXXX and XX/XX/XXXX and Wells Fargo reported it as late non payments which is false. XX/XX/XXXX Wells Fargo Sold/Paid off the loan when I was current on my Monthly payments ( Exhibit A ). Wells Fargo never informed me that the loan was sold/paid off but instead filed foreclosure on a home loan they no longer had possession of which is fraudulent. Im Disputing and requesting the Loan payments on my credit report from Wells Fargo to be removed from the dates XX/XX/XXXX to XX/XX/XXXX from my credit report. Wells Fargo dismissed the foreclosure case in XX/XX/XXXX when admitting an error regarding foreclosure and payment history. Then I was given a release of mortgage which was given to me regarding my home mortgage account with Wells Fargo. When the Release of Mortgage should have been giving to me back in XXXX not XXXX. This false information by Wells Fargo is adversely affecting 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