BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-11
Company: OPORTUN FINANCIAL CORPORATION
State: CA
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:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Paramount GR Holdings, LLC
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was recently denied credit expressly because a loan account on my credit report is listed as an UNSECURED loan. 

The loan in in question is by all definitions, a secured loan. This was an installment loan I obtained from GoodLeap for HVAC system and plumbing repairs. The loan agreement explicitly describes this loan as secured, and details the collateral used as security. Additionally, the creditor filed a UCC-1 Financing statement declaring their security interest in the property. 

The TILA disclosure on my loan agreement clearly describes the security. 
Section 5 of my loan agreement reads " GRANT OF SECURITY INTEREST IN COLLATERAL. To secure this loan ... '' and then goes on to describe the property used as collateral securing the loan.

Section 8 of my loan agreement REMEDIES, paragraph a ( 3 ) describes " Foreclose on the Collateral ''.

Section 9 states that upon termination of the agreement, " our security interest in the Collateral will terminate ''. 

I called GoodLeap to ask that the erroneous reporting as an unsecured account to the credit bureau be corrected to accurately reflect that the loan is secured. Over the course of nearly two hours I was told by 4 representatives that my loan is an UNsecured loan, and that they would not report anything different to the credit bureau ( s ). 

The word " Collateral '' appears in my loan agreement exactly 31 times. The word " security '' appears 12 times. The word " unsecured '' appears XXXX times. 

When confronted with the language in my loan agreement, the last representative I spoke with agreed that the loan agreement describes collateral that is used to secure the loan, and also agreed that the UCC-1 filing declares GoodLeap 's security interest in the property. However, they still asserted that it is an unsecured loan and that they would take no action to correct how this loan is being reported. 

Unsecured debt is weighted differently than secured debt in credit decisioning, and this debt being classified as unsecured has negatively impacted my ability to obtain credit with other creditors, that I otherwise would have qualified for.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Reached out to companies making them aware of the incorrect information on my report, asked them to verify and update my report as soon as possible.

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 2023-08-26
Company: Experian Information Solutions Inc.
State: NY
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, 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 an 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 2021-11-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX  ran my credit on XX/XX/2021 I did not request this and I do not have an open line of credit with this 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 2023-06-14
Company: EQUIFAX, INC.
State: AL
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, I sent letters to the credit bureaus about inaccurate information being reported on my credit profile and till this day over 90 days later I have not received any type of response from the bureaus. The bureaus are ignoring me and taking advantage of me and my rights under the FCRA. To my knowledge there is a code Section 611 ( a ) that states that a failure to investigate these items within 30 days give a reason to immediately remove the items that I am disputing from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 non-monetary relief
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: NJ
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:
I am disputing inaccurate information reporting on my credit reports from the following lenders below. According to my records I have never applied for any loans or credit with the original creditor and these items may report on my account because of fraudulent activity. 

Accounts List As Follow : XXXX XXXX # XXXX - {$130.00} XXXX XXXX # XXXX - {$79.00} XXXX XXXX XXXX # XXXX - {$290.00} XXXX XXXX XXXX # XXXX - {$790.00} XXXX XXXX XXXX XXXX - {$1800.00} XXXX XXXX - {$710.00} XXXX XXXX XXXX - {$190.00} XXXX XXXX XXXX XXXX - {$190.00} XXXX XXXX - {$370.00} XXXX XXXX - {$290.00} XXXX XXXX - {$50.00} XXXX XXXX - {$79.00} In accordance with the Fair Credit Reporting act XXXX these accounts have 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the TransUnion credit bureau XX/XX/2023, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX Date Opened : XXXX XXXX Balance : {$5100.00}

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 2023-02-16
Company: Experian Information Solutions 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:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have had multiple conversations with Wells Fargo, about false transactions coming out of my account and they have always said that they couldnt see anything on their end, so I lost money and they wouldnt reimburse me the money lost. Because of this issue I keep my money in my savings account because I do not trust for my money to be kept in my checking. Every-time I have to purchase something I have to transfer money from my savings to my checking. Thats embarrassing when at a grocery store register! When I transfer I make sure I put more than enough money in my checking account so the transaction to go through. It always go through! I have had a couple of issues with Wells Fargo telling me that when a transaction is pending it doesnt take the money out right away, but that is false because my money has always been taken out right away after I pay. They have been charging me extra money, that I shouldnt have to pay after a payment is processed. I told them about the issue and they told me they wouldnt reimburse the money. I have been a customer with them since 2019 and I am not happy with them.

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 2022-04-29
Company: WELLS FARGO & COMPANY
State: TN
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 Wells Fargo XXXX has violated my rights 15 USC 1681 Section 602 states that I have the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose

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 2023-08-26
Company: Experian Information Solutions Inc.
State: NC
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:
This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXX XXXX XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXXBalance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXXBalance : {$2600.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$460.00} 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 2023-08-26
Company: Experian Information Solutions Inc.
State: VA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance Owed : {$3500.00} XXXX XXXX XXXX Balance Owed : {$0.00}

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 explanation
Consumer complaint received 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 sent a letter in attempt to remove These accounts that should not be furnished on my consumer report as they are in violation! Under 15 US Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other; ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.As a consumer, I am demanding the deletion of all the accounts listed IMMEDIATELY! XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX XXXX  {$5100.00} XXXX XXXX XXXX XXXX {$85.00} US Dept of EDXXXXXXXX XXXX  US Dept of EDXXXX XXXX XXXX XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX XXXX {$62.00} XXXX XXXXXXXX XXXX XXXXXXXX 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 2023-10-16
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$6400.00} ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 XXXX XXXX XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-02
Company: ARVEST BANK GROUP, INC.
State: OK
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:
I have tried since XXXX to close my savings account and Arvest Bank keeps charging and refunding XXXX service fee without closing my account. I do not understand. IT is at a XXXX balance now, ask to close it and still have it open????? 

Then I wanted to close my checking account because of excessive over draft fees being charged, some I was responsible but some I was not, my direct deposits were being credited after there charges for the same day as my deposit went in. Finally, just wanted to close, got tired of fighting with them. 

I withdrew all of my money on XXXX leaving enough to cover insurance payment coming out. Withdrew XXXX leaving XXXX which would have taken me to zero balance. On XXXX the insurance payment came through, I assumed they would close my account. On XX/XX/XXXX a XXXX charge from XXXX came through. I was charged XXXX over draft fee on XX/XX/XXXX. I disputed this charge and was refunded XXXX????? bringing my balance down from XXXX to XXXX. I have repeatedly disputed this charge. First old I made it in XXXX XXXX, which I live and work in XXXX OK was not in XXXX nor did I go to XXXX, then I was told I used my card in a XXXX XXXX, no I did not. I was told to " prove it ''. I am not paying this. It has become ridiculous and frustrating. Every time I call I get a different person with a different answer or excuse if you will. Can anyone please assist me in this matter? I feel they need to be investigated for excessive over draft fees they charge as well as these unauthorized charges not made by the customer. I assure you through this ordeal I have learned of several others who have had similar and worse issues. THANK YOU IN ADVANCE for any assistance you can give. I just want to close 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 explanation