BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-17
Company: Upgrade, Inc.
State: ID
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I called and paid off my account with one of Upgrade 's representatives on XX/XX/2021. ( Customers are not allowed to pay off accounts using their online portal. ) I paid off exactly what the representative told me was the balance, {$1400.00} from my XXXX XXXX account. The payment cleared my bank account on XX/XX/2021. Almost immediately there was a charge on my account for {$9.00}. I called to dispute that and got put on hold XXXX, so I wrote an email. I received a response from Upgrade saying Id hear from someone within 24 hours. Its two weeks later and no one has responded to my email yet. Ive called several times and the hold time was never less than 30 minutes. I called on Sunday XX/XX/2021 and eventually got ahold of a representative who acknowledged my payment and that someone on his end had applied my payment incorrectly, resulting in the {$9.00} charge against my account. He submitted a work order to fix this and said I should see it repaired on Monday or Tuesday, XX/XX/XXXX or XXXX, 2021. It wasn't taken care of. But now I am showing a deposit of {$9.00} in my bank account. I called again yesterday, XX/XX/2021 and spoke to a less than intelligent representative who told me that I had overpaid my account and I had a credit balance. I told her credit balances do not result in a bill being issued for the same amount of money, and why would I have a credit balance when I paid off exactly what I was told to pay??? I repeated THREE times that I paid off this account and I do not owe this money, and that if I had a credit balance, it wouldn't be billed to me again! I asked what happened to the work order that was generated on Sunday?!? She went and placed me on hold ( AGAIN ) for several minutes and came back to tell me now that I had taken a charge for {$9.00} and I owed the money. NO, I didn't, I don't have a card for them and there was no transaction for {$9.00}. She just didnt understand what I was saying and asked to speak with a supervisor. She put me on hold ( AGAIN ) and after a few minutes repeated everything I typed earlier in this complaint. I said I wanted to speak with a SUPERVISOR, not her, and she put me on hold ( AGAIN! ) and left me for several minutes and came back to say her supervisor would call me back within the hour. Guess what? No one called me yesterday at all, nor today, XX/XX/2021. Im still waiting. And then to top it off, I just received an email saying Upgrade is drafting my bank account {$500.00} on XX/XX/XXXX AFTER I had paid it off. Ive had it with this incompetent company. Since no one has either called me back, written a response, or cleared my account from this {$9.00} balance, Im filing this complaint and will stop all payment draft requests from Upgrade.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-29
Company: Experian Information Solutions Inc.
State: DC
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. The two of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-07-03
Company: PNC Bank N.A.
State: PA
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 XX/XX/2021 XXXXXXXX XXXX XXXX XXXX in XXXX XXXX, Nj charged me for services I did not receive! I spent maybe {$40.00} they charged my card {$390.00}. I disputed the transaction with my bank ( pnc ) and they gave me a temporary credit of {$350.00}, XX/XX/XXXX they took the credit back! Why I do not know. This is unbelievable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm disappointed by your claims & am rejecting on the basis that you lack any material fact to support your claim... Please DISPUTE THESE ACCOUNTS! Or I will be seeking a legal remedy from you. Frustration, distress, annoyance, and outright anger. These emotions stem from the painstakingly slow response and the repeated denial of my identity theft claim by your bureau. Let 's be clear ; this situation is nothing short of a nightmare. I've been grappling with unauthorized accounts and transactions, and the toll it has taken on my financial well-being and peace of mind is immeasurable. The emotional rollercoaster I've endured is beyond distressing. DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX and DEPT OF EDUCATIONXXXX XXXX XXXX Please remove these accounts ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16
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: Problem with personal statement of dispute

Complaint:
In XX/XX/2013 I filed bankruptcy. XXXX XXXX was excluded in the bankruptcy, and they chose to close my account even though I was making monthly payments. XXXX XXXX is reporting information on my credit report as if the account was included in the bankruptcy. I have tried to get this corrected with all 3 credit bureau 's. I have court documentation showing XXXX XXXX account was not discharged in Chapter XXXX bankruptcy. XXXX XXXX did not receive a certificate of notice and I need my credit reports to reflect that this account was closed by them when they searched public records and found out I had filed bankruptcy. It is unfair to a consumer to report on a credit report the account was included in bankruptcy when court documentation prover the account was excluded. It appears they chose to to override the courts decision.

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 2023-06-29
Company: Experian Information Solutions Inc.
State: TX
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:
these unathorize inquiries was open without my permission XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX XX/XX/23

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 2023-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX please provide me with the accurate information on these accounts, this effects my life and you guys are listing wrong and inaccurate information 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-25
Company: EQUIFAX, INC.
State: TX
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: Experian Information Solutions Inc.
State: MO
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: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX I pulled all of my credit reports ( XXXX XXXX  and Experian ). 

On my credit reports I found each of them had three collection accounts from a XXXX XXXX XXXX. 

I reached out to XXXX XXXX XXXX and asked for an explanation and asked for verification. During this process I also advised XXXX XXXX   XXXX to send me some sort of verification of the debt ( s ). Date of transaction, what type of transaction or service, where the service was  performed and by who. I asked for this information to be sent to me within five business days. 

XXXX never sent me anything. Nothing at all. 

So naturally I disputed these collections with each credit bureau. I did this on XX/XX/XXXX with all reporting bureaus. 

XXXX AND XXXX both deleted the collection accounts as they were unverifiable. 

Experian, however, stated the dispute is valid and that the data furnished sent them proof. Funny, the other bureaus deleted it and yet someone how Experian validated it. 

When I called into Experian to ask for proof of validation they sent me to a supervisor named XXXX XXXX. XXXX returned my call on XX/XX/XXXX at XXXX XXXX   CDT. 

During this call I asked again for proof from the data furnisher to Experian that somehow proved and validated his debt. 

To say XXXX was apathetic would be an understatement. What XXXX advised me was, on a recorded call, to contact XXXX XXXX XXXX and request it. 

You know, thats hard to do when Ive already did that in the first place and they were unable to provide one single document. Additionally, Experian is the one who apparently said its validated and yet wont provide the proof. 

Experian, going on my experience with these things, never validated anything. They sent some form letter which required no actual proof ( maybe they didnt even do that ). 

I asked for XXXX XXXX supervisor at which point he told me this doesnt count for someone above me to look at.. then he promptly hung up the phone. 

XXXX DIRECT number is : XXXX ( XXXX ) XXXX I know my rights and I know Experian has violated them. 

This is unacceptable. These bureaus, especially Experian are notorious for believing they are above the law and that they can trample on anyone with no recourse. 

They should pay fines for every single day my credit is effected. Im currently trying to lock down a mortgage and this is hurting me! Direct from the lenders mouth. 

This needs to be taken care of at once.

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 2023-11-08
Company: WELLS FARGO & COMPANY
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:
Hello, I had a transaction in my list of transactions with Wells Fargo that wasnt done by me. I dont know the person that the money was sent to thru XXXX XXXX Ive never used XXXX. 

I logged in my account and noticed the unusual amount taken and immediately called and disputed. Later they sent me a letter via mail and closed the claim saying they determined the transaction was authorized.

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 2023-06-29
Company: Experian Information Solutions Inc.
State: SC
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 acct # 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 2021-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Bank of America revoked my credit card without any explanation and deny to issue new credit card. I have been Bank of America customer for 21 years and always used their cards and services without any late payment or mis use of their services and have credit score of above 840. Their customer service is not knowledgeable and able to resolve the issue after one year of calling back and forth.

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 2023-01-20
Company: EQUIFAX, INC.
State: PR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is an account that I have written to XXXX and equifax because I do not know the account. I ask that it be corroborated and removed from the credit This is account : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: Applied Data Finance, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In early 2019 I was a victim of ongoing identity theft in which unknown individuals or individual obtained my personal information and my bank information. With this information they obtained multiple online personal loans and took the funds from my bank account as well. Each time I resolve the issue with one " Debt Purchaser '' they sell the debt to another party. This has been ongoing through disputes since 2019 and I am now taking legal action as well against the original lender and the collection/Debt Purchaser that now owns the debt to have the debt quit being sold to the next buyer after I prove its not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: Prosper Marketplace, 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:
On XX/XX/XXXX I inquired about a debt consolidation loan. The company PROSPER hit my credit report twice, I told them their website says no credit hit to inquire. I spoke to them again on XX/XX/XXXX & XX/XX/XXXX and asked them to take it off they said no I agreed to loan which is a lie, I have photos of their site saying no credit hit to see what your eligible for. 

This company is a bate and switch I just want those 2 hits off my 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 2023-11-01
Company: EQUIFAX, INC.
State: PA
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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-08
Company: EQUIFAX, 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:
A couple of months ago. I send a letter to equifax about an account that doesnt belong to as I have been a victim of identity theft. I notified originally that XX/XX/2020 that they agency was reporting an account without an original credit listed. They in return sent me a letter saying that I had to send my id or personal info to help them not only find me in their system, but also to verify it was me. So I sent another letter to the agency with my identification AGAIN. Per 623 this must be specified in order for account to be addressed the company verified the debt belonged to me?! YET, no information is reporting for the creditor per the copy of my report Ive attached. Im ask for assistance with this issue. Ive attached certified receipts along with copy of report that shows the original creditor not reporting. Along with current report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Experian Information Solutions Inc.
State: SC
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:
n accordance with the Fair Credit Reporting act XXXX XXXXXXXX, 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 2023-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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 XXXX a transaction in the amount of {$2100.00} from XXXX XXXX XXXX XXXX  was taken out of my checking account with Bank of America. I filed a dispute with Bank of America and notified them that I did not authorize this transaction, they had informed they would give me a credit in 24-48 hours of the date of the claim and they would investigate the claim. My second phone call was XXXX hours after the claim was made to get an update on the credit and I was told that they would expedite my credit. As days went by, I continued to make phone calls for updates with no answers. After approximately a week with no credit the results came back of this investigation concluded to a denial and that my case was closed. After multiple phone calls and attempts to reopen the claim and appeal customer service representatives continued to insist that the claim could not be reopened or appealed. Now I would like to file this complaint for more further investigations and for Bank of America to take responsibility on this fraudulent and not authorized transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-31
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Jefferson capital needs to provide how they verified this debt to the credit bureaus. How did you verify a debt using E-OSCAR? Provide through the CFPB portal the physical documentation your provided to the credit bureaus. If the information was sent as a numeric digit back to the credit bureaus then you have failed to do reasonable complete and accurate investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am one of the consumers that have been affected by XXXX reporting payments in correctly.I have reported this to all credit Bureaus and have all credit bureaus have ignored and not even attempted to fix the inaccurate reporting. XXXX is reporting late payments inaccurately on my credit reports from XX/XX/XXXX  and XX/XX/. According to the FRCA i am entitled to a accurate credit report and the credit bureaus must correct all inaccuracies. I have attached my credit report showing the 60 and 90 day late payment with out reporting 30 days late. 

XXXX Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief