BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-05
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Hi i am an XXXX XXXX veteran who has spent the last 8 months paying off every bit of credit debt i have. Student loans, deliquent debt etc. I am needing my score to equal XXXX so i can use my VA loan for a home purchase. I have battled with XXXX experian XXXX   and XXXX about the lopsided effects happening to my credit score. For instance on the verge of reaching the XXXX goal my credit score dropped 120 pts for no apparent reason setting me back months erasing every gain and putting me farther behind. Just recently i finished paying everything off expecting a similar jump in score and my score only moved 10pts after clearing XXXX $ worth of debt from my name. What is going on with our credit system how can i obtain answers and a remedy so i can no longer be homeless.

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 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 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 2023-01-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-12-22
Company: Garrison Investment Group
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was checking my billing statement with my current loan servicer and according to the statement it only shows the Interest Due on the account. When doing the math of my payment minus the interest due it does not give me the actual balance in the account. I called the company to advise them of this discrepancy and I was advised that this is the way that they run their business. They only display daily monthly interest charged from the due date to the cycle date. So there is no way of seeing the total amount of interest I paid every month. They offered to send me a detailed document showing the total billed interest for the month and I explained that this information should be included in each statement so any user can do the math and can see where their money is going. They explained that is not how they do thing and that there was nothing that can be done. This is clearly deceptive as a customer can not clearly see where his money is being applied each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: CCS Financial Services, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a bill from XXXX for internet services for my old apartment over a month after I had moved out and transferred service on XX/XX/2023. I contacted XXXX customer service to find out what the bill was for, and was informed that it was for dates of service after I had moved out. They said it had been billed in error after I had moved and the account was not closed, but they would close the old account and the bill was in error. I then received another bill in XXXX and contacted customer service again, and they again said this was a billing error and I did not owe money. I have included screenshots of one of my chats with customer service. I was told the matter would be resolved in 3-4 business days and never heard anything else. Then, at the beginning of XXXX, I received a collections notice for the bill. I filed a complaint with the Washington State Attorney General and was contacted by XXXX customer relations. They said the bill was actually from services in XXXX and that I still owed it. I told them I did not receive any bill for this amount in XXXX or XXXX, and it was probably not forwarded from my old address if it was sent at all. There was no apology or offer to resolve the matter. I said I would pay the bill now that it had been explained, but they needed to cancel the collections because it was sent in error since I was told multiple times by their customer service agents that I did not owe the money. They refused to cancel the collections on me, despite repeated requests and the fact that it was their fault, not mine. I have never missed a bill or been sent to collections on anything, and do not deserve to have my credit destroyed because of XXXX 's negligence.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: Delta Management Associates, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In reference to XXXX : The CARES Act states that XX/XX/2020, is included as one of the wage garnishment refund dates. My paycheck was not valid until XX/XX/2020, and the payroll company can not put the transfer on the accounting ledger until XX/XX/2020. 

The perpetrator 's comment : " As for the complainant 's XX/XX/2020 paycheck addressed in his complaint, that garnishment will not be refunded as the payroll company had already processed that prior to this Act being effective. Any payments processed after XX/XX/2020 by his payroll department will be refunded to him. The refund and suspension process are steps that take time and do not happen immediately. '' Delta Management Associates is out of compliance with the law as the CARES Act includes XX/XX/2020, as a payroll date in which wage garnishments are to be refunded.

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 2023-04-21
Company: Exeter Finance Corp.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been current on my car loan for well over a year. I called in on XX/XX/XXXX to make a payment and the payment was declined by the servicing company. I asked why they are refusing my payment and Exeter explained that my car loan had been charged off. I asked why and no one was able to tell me why. I was placed on hold in excess of 35 minutes and eventually they hung on me. I placed several calls over several weeks and was able to get the Vice President of the Charge off dept. on the line and he explained my loan was charged off in Error. My payments were still declined, and I was asked to allow them time to correct this in their system. It took them until XX/XX/XXXX to get this corrected in their system. I was Offred a XXXX extension to cover the XX/XX/XXXX and XX/XX/XXXX payment. They begin to accept my payments as of XX/XX/XXXX and was paid on time, However Exeter reported to my credit report that I was over 30 days delinquent when they refused my payments for 2 months Straight!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
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: Account information incorrect

Complaint:
Experian shows a lack of credit history when applying for credit. This is incorrect for the other two XXXX and XXXX show a credit score via XXXX XXXX over the last two years! 
My credit history includes the XXXXXXXX XXXX XXXX account, which opened around XX/XX/XXXX and closed on XX/XX/XXXX, for over {$6000.00} Current revolving XXXX XXXXXXXX XXXX XXXX XXXXXXXX since XX/XX/XXXX, with a credit limit of {$7800.00}. 
I attempted to open a charge account at XXXX XXXX and was " denied. '' I received a response from Experian stating that I do not have a credit history!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Hi i am an XXXX XXXX veteran who has spent the last 8 months paying off every bit of credit debt i have. Student loans, deliquent debt etc. I am needing my score to equal XXXX so i can use my VA loan for a home purchase. I have battled with XXXX XXXX XXXX and equifax about the lopsided effects happening to my credit score. For instance on the verge of reaching the XXXX goal my credit score dropped 120 pts for no apparent reason setting me back months erasing every gain and putting me farther behind. Just recently i finished paying everything off expecting a similar jump in score and my score only moved 10pts after clearing XXXX $ worth of debt from my name. What is going on with our credit system how can i obtain answers and a remedy so i can no longer be XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting 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:
I am filing this complaint on my own behalf to address an issue concerning unauthorized inquiries on my credit record. This information does not belong to me. I need this fraudulent information removed immediately.

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 2020-04-03
Company: EQUIFAX, INC.
State: IL
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:
XXXX amount XXXX us department of education filed ftc report I am a victim of identity theft please remove and block account XXXX  found to b unverifiable XXXX   and Equifax still reporting the account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I am a Citi customer having a credit card for 20 + years and I have the same phone number for about the same length of time. I opened a new checking account with Citi. I have not been able to access the money a put into my checking account for 10 days now. Their excuses are ranging from me opening the checking account online, not giving me temp checks because it was opened online, I can't take cash out cause it was opened online, can't transfer money to a domestic other bank because my phone number is not registered with them and even though they send me a debit card it is useless because they would not send me the code to access my money. I need this code to set up my own code. I am using the same phone number they have in my records for 20 years! Then I call them on the number they have in a pop up screen when I want to transfer the money but they after I identified myself they said that my phone is not registered with them so they can not give me permission to transfer or access my own money. They did trial deposits into my out of state checking account and they still can not give me a code to do the transfer because my number is not registered. Then the phone clerk goes away and comes back saying do they have my permission to register my phone number and I said yes. Then they come back after put me on hold for 10 minutes saying they can not
do it because it is a land line. I said it is a cell phone. They said they can not give me the code for 14 days!

I am outraged that this bank is allowed to even operate in the US. Not one of the banking associates were American. They are in business of steal the funds of American customers!

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 2022-04-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Wells Fargo notified us that they were closing our business checking account due to suspected unauthorized of a single wire. We confirmed with them the wire was not fraudulent with definite proof, and even asked them to reverse the wire /as/ well as sent the customer a check that was cashed with that amount, Wells Fargo also wired the customer back. They locked us out of all accounts ( not only the business account but every single Wells Fargo account we had ). They said the account would be closed on the XXXX of XXXX, and a cashiers check would come soon after. That did not happen, we called again and they said it would be closed on XX/XX/XXXX. That did not happen- they did not send the check. Now when we call they are claiming to hold the money that was in the bank account up to 60 days with no reasoning as to why other than we are investigating. This is our entire business checking account that we use to pay payroll with, it has all of our operating cash, over {$200000.00}. We will go out of business if this continues.

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 2023-04-21
Company: Experian Information Solutions Inc.
State: DC
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:
You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX # XXXX ) has violated several of my rights. 

15 U.S.C 1681 SECTION 602 A Clearly states that i have the right to privacy.

15 U.S.C 1681 SECTION 602 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 account under an open-end consumer credit plan as a late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

1

5 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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2023 and on XX/XX/2023 I submitted written requests to the credit bureaus to investigate my credit file. I requested they investigate XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXXXXXX XXXX 

These accounts are reporting incorrectly and the credit bureaus have not sent anything to me at all and its been over 60 days. What's even scarier is that they have also not put any dispute verbiage on my credit report which is illegal. They are required to put dispute verbiage on accounts in question. the bureaus are circumventing the FCRA and not investigating my file per my rights and I am outraged. This is their job.

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 2020-04-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Federal Reserve reduced interest rates to zero. Interest rates for all types of loans was lowered by all banks. We have home equity loan with " floating '' rate that was supposed to reflect the general trend and Federal Reserve rates in particular. Yet our rate of 4 % is unchanged even in these Covid-19 circumstances. Moreover, after making {$1300.00} payment for principal last month our interest this month not decreased but increased from {$130.00} to {$140.00} ( XXXX! )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
XXXX XXXX submitted to Experian on XX/XX/XXXX that I was deceased. This is incorrect and Social Security has notified XXXX XXXX of this but they have still not corrected my information with Experian. So my credit score went from XXXX with Experian to XXXX, I can't get credit, I can't refi, I can't get a loan, and this will interfere with me getting a job. XXXX XXXX is ruining my life and even though my identity and proof of life was made clear to XXXX XXXX by me and by Social Security Administration. XXXX XXXX is not moving to fix this with Experian. Their record keeping and accuracy is obviously wrong. What else is wrong? And when given the facts, by SSA they still do not move to fix it. Please, I need my credit and my life back. Thank you

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 2020-04-04
Company: WELLS FARGO & COMPANY
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: Personal information incorrect

Complaint:
Wells Fargo submitted to XXXX  on XX/XX/XXXX that I was deceased. This is incorrect and Social Security has notified Wells Fargo of this but they have still not corrected my information with XXXX. So my credit score went from XXXX with XXXX  to XXXX, I can't get credit, I can't refi, I can't get a loan, and this will interfere with me getting a job. Wells Fargo is ruining my life and even though my identity and proof of life was made clear to Wells Fargo by me and by Social Security Administration. Wells Fargo is not moving to fix this with XXXX. Their record keeping and accuracy is obviously wrong. What else is wrong? And when given the facts, by SSA they still do not move to fix it. Please, I need my credit and my life back. Thank you

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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
No knowledge of these accounts or inquiry. Submitted an identity theft 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