BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-23
Company: Marlette Funding, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2022, I called Best Egg to inquire about payment assistance on an existing loan - as was advertised on their website. 

I was offered 0 % interest for 12 months if I enrolled in auto draft and made all my payments on time. This offer was only good once for the life of the loan. I agreed to this offer and continually asked if this was 0 %. I was told that it was. 

However, on the 1st payment date of XX/XX/XXXX, I realized I was blatantly and fraudulently lied to. I was being charged interest, even though I was told I would not be charged interest for this plan. When I called back on XX/XX/XXXX, I was told that the disclosure did in fact say 0 % and there was an error. Then I was falsely told about 20 minutes later I was charged only for partial month interest, even though it obviously showed I was charged full months interest. Then another half an hour later I was told that I had to pay interest for the first month but after that then I paid no interest. I told, shocked at the 5 different answers I was getting 5 different times, that I was never told about an enrollment payment ever. Best Egg legally can not invent terms of a payment plan as they wish after the fact and in contravention to what I agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
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:
The credit bureaus stated that they have properly investigated but how is that possible if the accounts are showing past due amounts on charged off accounts this is ground for removal I have made several disputes with XXXX  XXXX account # XXXX # XXXX I contacted XXXX  XXXX back in XX/XX/XXXX and was referred to call XXXX and XXXX I originally called XXXX XXXX because the account was charged off at {$2400.00} but had a past due amount of XXXX and the other account was charged off at XXXX with a past due XXXX which XXXX  XXXX advised me to call the collection agency according to the fcra once these accounts are written off as bad credit it either can be transferred or sold to to a debt collector the rules also state once a account is transferred to another agency for collection the account should have a XXXX  balance and no longer have a past due amount at that higher then what was charged off this is a factual inaccuracy. For instance, if the account was transferred or sold to a collection agency, then the past due amount should be at XXXX. If the past due amount is reporting on your credit report for a charged-off account, that is incorrect reporting. I have been disputing since last year and at this point I am asking for immediate DELETION for inaccurate reporting with the Bureaus I have made several disputes from XX/XX/XXXX XX/XX/XXXX and I have made several complaints with your agency please see all previous complaints They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer agency reporting agency can not furnish a account without my written instructions. 

They have also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes They have also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ) The law clearly states if items are found to be inaccurate or can not verified the consumer reporting shall promptly delete the information from the file of the consumer

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 2022-02-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Last month I disputed XXXX with Experian and unfortunately nothing changed. The credit bureau failed me with this dispute. Due to Experian not doing their due diligence I've had to fight this matter on my own. As of today with my attorney 's assistance I received some resolve regarding this matter. XXXX has stated that they will remove the erroneous derogatory information that they have reported to my consumer credit file. 

Please see the attached documents and remove ASAP!!!!

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 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 2 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/ 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 2022-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am a victim of identify theft. I reported fraudulent charges on my card. They are reporting me as over my credit limit and late payments to credit agency 's. I did not charge over my limit and I have never paid late. These actions by capital one is having a negative impact on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Genesis FS Card Services, 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:
On XX/XX/XXXX th XXXX I went to XXXX XXXX to purchase a table. I was made aware of an interest free payment option multiple banks offer through XXXX  and the sales rep signed me up. I handed him my drivers license which has my previous address listed. I let him know that we just moved from XXXX XXXX to XXXX the previous month. I verbally gave him the correct mailing address in which he said he entered. I wasnt handed any paperwork but told that we would receive everything in the mail when the first payment was due. On XX/XX/XXXX th my wife noticed that there was a past due remark on my credit report she called using the information provided, let a Genesis manager know what happened, was credited back late fees and paid the balance in FULL. She was told that the negative remarks would be removed from our account. My wife called the number listed on the dispute notice with additional information supporting our dispute and was told on XX/XX/XXXX by XXXXXXXX XXXX XXXXXXXX that this letter has inaccurate information and we are not able to update additional information regarding this dispute. So Ive written this letter along with filed a complaint with the XXXX XXXX XXXX 

Here is additional PROOF that this attached : XXXXA copy of our official change of address submitted on XX/XX/XXXX with the US Postal Service -A copy of XXXX XXXX XXXX Appraiser Records showing we purchased our home at the corrected address on XX/XX/XXXX ( about a month BEFORE our purchase at XXXX XXXX ) - A receipt showing we filed a complaint with XXXX -A copy of my payment history with the credit bureau showing this is the ONLY late payment Ive had on my report in 15 years! 

We take our finances seriously. My wife was told today, XX/XX/XXXX by XXXX that she was contacted and that a woman picked up and said do not call this number again This did not happen and doesnt make sense since the very next month the same woman, my wife, called to pay the account in FULL. 
We are young adults that take our financial responsibilities serious. This negative remark dropped my excellent credit score XXXX points- this is unacceptable. This error was not our own and the remarks need to be removed. 

Any questions, call XXXX or XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE STOLE MY PURSE ALONG WITH PERSONAL INFORMATION AND LATER OPENIED UP THE FOLLOWING FRAUDULENT ACCOUNTS : 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

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 2023-12-05
Company: Affirm Holdings, Inc
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have never done business with " Affirm '' and have not taken out loans that have been sold to them. However, they keep sending emails to my address stating I owe overdue payments on three different loans. 

I frequently get misdirected emails for other XXXX XXXX, so I called Affirm and suggested they might have the wrong email address, that I had never taken out any loans through them and did not owe them any money, that they should call the person for the identified loans and get the correct email address, and that they needed to stop sending me emails. I am still getting emails. They also send me emails through " XXXX '' that says I owe money. 

I definitely do not owe them any money and there was never any process through which I verified my email was associated with any account. I have received dozens of these emails in the last two months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Loancare llc is my mortgage holder, we had hurricane damage from XX/XX/20. After extensive repairs and completed inspections that have passed and shown our home is completed. They will not release funds. I have sent receipts of well over XXXX. They have XXXX of my money, they refuse to release even though there inspector certified my house is @ 100 %.

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 2022-05-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 


1. US DEPT OF EDXXXX XXXX BALANCE {$7600.00} 2. US DEPT OF EDXXXX XXXX BALANCE {$4300.00} 3. US DEPT OF EDXXXX XXXX BALANCE {$3600.00} 4. US DEPT OF ED/XXXX XXXX BALANCE {$5300.00} 5. US DEPT OF EDXXXX XXXX BALANCE {$4000.00} 6. US DEPT OF ED/XXXX XXXX BALANCE {$9300.00} 7. XXXX XXXX XXXX  XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Secllan 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX 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 reports no consent is fraud.

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 2022-11-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made a quote to pay my house, to pay in full on XX/XX/XXXX, they sent me by email the house payoff valid until XX/XX/XXXX, I made a payment on XX/XX/XXXX, {$120000.00}. Only {$7100.00} left. I called the WELLS FARGO Mortgage XXXX on XX/XX/XXXX, to finish paying off the house, they did but next day Wells Fargo reversed the payment. This morning, when I accessed my account at WELLS FARGO to see if everything was ok, I saw that the payment was reversed. I called the WELLS FARGO company to find out what had happened, and they told me that I had to do the payoff quote again, I told the representative that I had already requested the payoff of the loan and I agreed with what they sent me in my email. The representative told me that I would have to make a new quote to make the payoff, I told him that I had already received it on XX/XX/XXXX, and I had the quote to pay within the period established by them, on XX/XX/XXXX, The representative kept insisting that he would have to redo it, I have the proofs of the quote that they sent me, and I was on time. WELLS FARGO is giving me a hard time to finish paying off my house, and for no reason. THE WELLS FARGO WANTS TO GAIN MORE TIME TO CHARGE ME MORE THAN I WAS PASSED IN THE XXXX ON XX/XX/XXXX, WHICH WOULD BE VALID UNTIL XX/XX/XXXX. Now he has a push game to gain time to want to charge more on top of the remaining payment, which would be {$7100.00}. It was no use talking to the mortgage representative because he told me he couldn't do anything and that it would have to be done by the big bosses to finish the house payoff. This is a joke because I already had the payoff quota, it made me very stressed, and I already have nerve problems, and this aggravated my nervous system even more. I just want to pay off the rest of my house. I think this WELL FARGO mortgage is going too far to end that story. Not only that, but I have the email proving the payoff they sent me. 
payments made and reversal, XX/XX/XXXXXXXX XXXX REVERSAL {$0.00} {$7100.00} XX/XX/XXXX PAYMENT {$7100.00} {$7100.00} XX/XX/XXXX PRINCIPAL XXXX {$120000.00} {$7100.00} Well, I made the pay-off payment in the time they sent the amount to be paid until XX/XX/XXXX, which they sent to me, if someone who works for WELLS FARGO did something wrong, it's not my fault. Just want to solve this problem yesterday. 
ATTACHED FILES THAT I RECIVED FROM WELLS FARGO MORTAGE 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 2022-12-23
Company: Credit Card Acquisitions Group
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022 Foster and Monroe LLC placed this collection on my credit file, after some research this is what I've come up with.. 

XXXX XXXX XXXX XXXX. 
owing XXXX  was placed on my credit file report, I then called XXXX XXXX XXXX XXXX. and she directed me to the company XXXX XXXX XXXX. As of now i am a XXXX service connected veteran on a fixed income. And I did not apply for this account.. 
as apon reading about the companie and then reading about the defrauding to us mostly military families, them victims fund was set up with CFPB,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: EQUIFAX, INC.
State: TX
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
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: Their investigation did not fix an error on your report

Complaint:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were XXXX XXXX accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I reported a valid fraud claim to navy federal on XX/XX/22. After reporting the fraud on my acct I went use my debit card for a different navy federal acct only to find out my ALL of my debit cards were cut off. I called navy federal on XX/XX/22 to inquire about my debit cards only to find out they locked all of my cards for a year because of suspicions that I made possible fraudulent disputes or fraud claims. Navy federal never asked for any additional info for my claims nor additional correspondence to assist with my claims that they had in question. Navy federal assumed I was lying without allowing me the options to provide proof of otherwise. The rep at a local XXXX federal called me a liar about my fraud claims and even read off my P.I.I in public without my consent when I asked to speak with a XXXX. I was embarrassed as on lookers could hear my issue I was having with my account while speaking with XXXX at a XXXX, Tn location. I have a right to report fraud or even disputes on my accounts and to feel like I will be penalized for doing so is not right. This makes me scared to report possible future fraud or dispute charges with them. I have never had this experience with any other banks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
THIS ORGANIZATION REPORTED LATE PAYMENTS ON XXXX AND XX/XX/2021 ON MY CONSUMER REPORT. THIS ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING LATE PAYMENTS AGAINST MY CONSUMER REPORT. 

REPORTING LATE PAYMENTS CONSTITUTES TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THIS IS SUPPOSED TO BE EXCLUDED FROM MY CONSUMER REPORT. 

THIS ORGANIZATION ALSO HAD NO PERMISSIBLE PURPOSE TO FURNISH LATE PAYMENTS ON MY CREDIT REPORT BECAUSE I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT PER 15 USC 1681b ( a ) ( 2 ).

Company response to consumer: Closed with explanation