BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-28
Company: R & B Corporation of Virginia
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was recently alerted, by XXXX XXXX, to a reporting of a medical debt. The debt was reported by Credit Control Corporation located at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX. 

However, the debt is not mine. According to the report, the charges originate from services provided at the XXXX XXXX XXXX XXXX and by XXXX XXXX of XXXX. However, these establishments are located in XXXX  XXXX - somewhere I've never resided or visited and occured during times that I lived elsewhere. Further, I am fortunate to be fully insured. If I have to visit a medical facility, I'm covered. The impact of this likely clerical error to my near perfect credit has been detrimental ( a loss of XXXX points on XXXX  ).

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
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: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$530.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Experian Information Solutions 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:
Experian is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 4 complaints informing Experian that I was a victim of identity theft. Experian is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Experian has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-03-24
Company: Worth Finance Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I received a letter with a check for XXXX dollars as part of a pre-approved loan. I never asked for the load nor applied for any loans in last 2 years. The terms in the back are as follows : Annual Percentage Rate : 88.76 % Finance Charge : {$450.00} Amount Financed : XXXX Total of Payments : XXXX This seems really like a predatory practice as it comes right around the time of a stimulus that will give people about this much or a little more. They interest rate is just out of this world.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I was unable to get my free credit report and CREDIT PROFILE after providing the correct information.

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 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
To whom it may concern, My issue is that there are a lot of inquiries that are on my credit report in which I did not request credit from the creditors.. I am asking that these inquiries be removed from my credit report because they were ran in error or they belong to someone else or they were ran fraudulently Thank you I am also sending an attachment of my FTC report with the same complaint as well XXXX 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
Consumer complaint received 2023-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
1. I have been a Bank of America customer for the last 23 years having checking, savings accounts. I have also a business account with Bank of America for our non-profit chartiable foundation for the last XXXX years. 
2. Last year in XXXX, when I logged into my account, I saw a promotional offer from Bank of America for opening a credit card account. It offered XXXX rewards ponts or {$300.00} statement credit when you spend {$3000.00} during the first 90 days of opening of an account. So, I applied for the credit card in XXXXXXXX XXXX and I got the credit card approved and in mail by end of XX/XX/2022. I charged {$3000.00} to the new CC card for one of our bills due with XXXX XXXX XXXX XXXX XXXX CA and paid the amount the very next month. 
3. After ninety days, my account was not credited with the rewards points or the statement credit as promised. When I called BoA customer service, I was told to submit that I am an authorized person for my business and I did submit that and also a letter requesting my rewards points or statement credit. I called again couple of times, but so far they have not fulfilled their promise.

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 2023-11-23
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
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:
On XXXX XX/XX/XXXX my XXXX file dropped from XXXX to XXXX an amount of XXXX points. When I read what happened on XXXX XXXX the reason was veg it did make any since the company is FNBO is used the card to buy breakfast but I paid the entire amount of in XXXX weeks, but this company reported negative on my file which made my score drop XXXX points. I will never used this company credit card every again, period! 

They also reported to XXXX which also had a negative effect, my score dropped XXXX points from XXXX to XXXX. 

I XXXX  in XXXX and this card credit limit was XXXX, it has dropped to XXXX and has never gone back up. They have asked me for my work history but other credit card company have provide me more credit. Like discover limit went from XXXX to XXXX, XXXX went from XXXX to XXXX and XXXX granted me another XXXX limited credit card, so overall have XXXX limited with XXXX. 

I never been late with FNBO I just thanks that they are an horrible company and it like im stuck with until I can get another credit card that has a higher limit.

As a comsumer I make and attempt to keep my credit under 10 % and I pay the entire amount every month I was showering my daughter but this happen which did make any since to me so I reporting them so XXXX will not be effective by this horrible 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 2022-11-11
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: 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 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 explanation
Consumer complaint received 2021-04-28
Company: Experian Information Solutions Inc.
State: NY
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 am requesting Experian do there job and investigate in accordance with the fair credit reporting act. In doing so they will find said company XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX My investigation has revealed at no point has the above referenced company ordered a copy of 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 2023-11-22
Company: SANTANDER HOLDINGS USA, INC.
State: TN
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 have several car inquiries on my credit report that does not belong to me. My credit report shows I work at XXXX XXXX which is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: ONEMAIN FINANCE CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I applied online for a personal loan, and received an email stating I was approved. The email stated : " You areApprovedfor your loan offer ( s ) upon meeting the following conditions : Verification of your identity and addressVerification of your monthly income and review of your expenses* to determine if the loan payment fits your budget according to our lending guidelinesThe value of your motor vehicle to be used as collateral is sufficient according to our guidelines ( secured loans only ) *We will review your monthly income minus your monthly expenses ( such as mortgage payments, auto payments and utilities ). '' I have submitted those documents, but the lender came back and denied my loan due to unrelated items. They stated they declined the loan due to my credit report, which they already had when I received this approval email. I dont think it is right, or legal, to approve me for a loan submitted online based on my credit, then come back a day later and decline my loan based on the same information they had available to them when they approved my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX I got a text from my bank Wellsfargo saying there was a charge of XXXX at XXXX. If I recognize it Y or N. I was in XXXX XXXX and about to board a plane. 
I immediately said N. Then I got 2 unknow calls and a 3rd call that was on my contact list saying Wellsfargo XXXX 
I answered it and the guy already had been in my account telling me about the charges if I made it or not. I told them which ones were mine and which were not. 
I also said I am about to board my plane. 
He suggested I put my account on freeze mode and went on telling me to go on my phone and punch in some number on my key pad. 
I did that and XXXX hours later when I landed I checked my e-mail saw 3 emails from Wells Fargo that XXXXXXXX XXXX  was transferred to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FROM MY ACOUNT TO XXXX XXXX XXXXXXXX. 
I IMMEDIATELY from the airport called the fraud case almost XXXX hours after the original fraud text and opened a case of fraud transfer with Wellsfargo. 
The next morning XXXX XXXX  went to the branch of Wellsfargo and told them this money should be flagged and marked as fraud and totally stop my online banking, They said the money is in XXXX  XXXX XXXX AND THEY CAN NOT AT THIS POINT DO ANYTHING SINCE IS AN ONLINE BANKING FRAUD CASE BETWEEN THE 2 banks. 
I went to the local XXXX XXXX  XXXX and ask them to hold the money till we can investigate since a case was already made almost XXXX hours after the fraud wire was made and was flagged. XXXX  XXXX XXXX said your bank needs to contact online fraud XXXX XXXX XXXX XXXX XXXXSince the XXXX I have been getting the runarounds and all the blames for giving my info to hackers.yesterday I got a letter from WF that said since I Assist in the wire transfer and the funds are no longer available the bank cant give my money back. 
I never assisted any one, I try to stop almost XXXX hours, the system was hacked when I got the original text since they already were in my checking acount.they try to get me via text my user number and password and since I never remember it I could not provide it. 
At this point I am reaching to you and hope you can help me. 
I send letters to the board of directors, I tried to email the district manager, but her Email got back to me. 
The branch people are nice but clueless and I am in big pressure since I want to get a loan and cant borrow money.please help me. 
Thanks

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 2021-04-02
Company: Convergent Resources, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We received a bill on XX/XX/2021, from the Convergent Outsourcing , Inc. debt collection company for debt owed to XXXX. I have never subscribed to any XXXX services in my life. I tried calling them and they did mention that the bill was associated with a XXXX XXXX that lived in Virginia but when I told them that was not me, they did not immediately drop the claim. They wanted me to fill out an online form that asked me to give them my drivers license number and full social security number. I do not feel safe doing this. The bill is for {$770.00}. 

Client Acct. # XXXX Convergent Acct # 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 explanation
Consumer complaint received 2023-11-18
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:
In accordance with the Fair Credit Reporting act. The List 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: SC
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:
hello I submitted my first initial dispute on XX/XX/XXXX with XXXX, XXXX, Equifax with no responses or action taken by them the account continues to remain reporting in accurate on my credit report which is effecting my life horribly, the account is below XXXX-acct # XXXX they have been reporting my payment history inaccurate for over 2 years now and will not update, or delete this account i have attached the factual proof of there errors. for example equifax has been reporting me paying ontime since XXXX of XXXX but XXXX  is reporting CO on this account for payment history and this account has beenclosed since XXXX this is also a charge off and is still reporting a past due, and reporting payments every single month when this account is charged off. the last paymetn reporting was done by XXXX CO on XXXX of XXXX this year. this is illegal practices on an account that has been closed since XXXX. 

XXXX XXXX - acct # XXXX this account is was paid and full back in XX/XX/XXXX Equifax is reporting derogatory account status when this account was paid if you look in there comments it says PAID settlement accepted. 

XXXX # XXXX - this accoutn is reporting inaccurate balance as well, XXXX and Equifax removed this account long ago but XXXX keeps reporting this inaccurate balance and has yet to verify this account with any proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: Experian Information Solutions 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:
During the month of XXXX, I contacted all 3 credit bureaus to have this company remove this XXXX XXXX debt from my credit report because a Judge during my divorce settlement has confirmed that this debt is not my responsibility and has been determined to be the responsibility of my ex-spouse. This debt should not be on my credit report because it is not my responsibility to pay. However, this company still has this debt listen on my credit report and it should be removed as ordered it is not my responsibility by the judge in my divorce judgment.

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 2023-02-24
Company: Caribou Financial, Inc.
State: VT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I contacted Caribou Refinancing to refinance my vehicle. Upon pre-qualify I was presented 2 options for refinance. I made my choice to waive all add on extras I also chose a 72 mo term at interest rate. I was then told to supply payoff quote, original contract, id 's, registration, pay stubs, etc... Upon doing so I received a call from my loan XXXX XXXX. During this recorded conversation numbers seemed fine but XXXX was insistent on trying to sell me product. I informed him NO numerous times. I also informed him my vehicle has a warranty on it until XX/XX/2023 thru XXXX. I also informed him it's both transferable and renewable. He continued the sales pitch so I hung up. The site then asked me to finalize loan by reviewing and signing. The numbers were way off. I emailed XXXX to ask why and he did not mention anything about adding a powertrain warranty to the refi. This powertrain warranty added against my wishes and without my knowledge or even mentioned drove the financed amount up {$1300.00}. How many others are they doing this to? 
Truth and transparency in lending, I think not. I have not signed the documents. I should also mention this was also done after they performed a hard pull on our credit. The XXXX attachments show a few things. 1. It shows no extra added coverage on there loan offer ( screenshot ). 2. Shows over a {$2000.00} discrepancy in payoff amount and new financed amount. {$1300.00} is the undisclosed powertrain warranty.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Due to an error on the part of the lender- my credit report is showing me as 60 days delinquent in the month of XX/XX/2023. However, the account has never been paid late. I contacted the lender and they provided an update to correct the information. 

I provided the documentation to Equifax- however they refused to update the information and correct the reporting.

Company response to consumer: Closed with non-monetary relief