BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-30
Company: FISERV INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The ice maker on my refrigerator was broken. I called XXXX XXXX XXXX. The technician arrived. He told me the engine that runs the ice maker needed to be replaced and offered the XXXX Warranty Plan for a reduced price, I agreed. The plan covered a maximum of 5 appliances. I have other appliances in the house, so it made sense. During the visit, the tech wanted to send information to my smart phone. I do not send important information through my phone and told him if he would send to my email, I could access on my PC. ( I am working from home ). He ordered the part ; I gave him a check for {$630.00} and the technician left. After he left, I viewed on my email two service alerts for two dishwashers. Like most people I only have one, and the receipts were for brands I do not own, XXXX and XXXX, I own XXXX. Also, there was an email receipt for the order of an ice cabinet '' not the " ice maker engine '' that I was told I needed. Also, as I moved through the legitimate receipt, there are also two more receipts for the dishwashers, that I do not own ; charge {$0.00} for both. I was charged {$410.00} for labor, {$200.00} for the ice cabinet and {$12.00} for repair costs a total of {$630.00}. This, I assume was the price of the warranty. Although the tech was at my home for over one-half hour, he did not look or evaluate my XXXX dishwasher XXXX As I looked at my emails, and did not see the " ice maker engine '' on the receipt, but the cabinet that houses the ice, which I did not need, but no ice maker. I thought something was fishy going on. I immediately called XXXX Home Services and cancelled the warranty. The associate told me I had to call the next day because the techs ' information would not be downloaded in the system until 24 hours had passed. I called the next day and cancelled and put a stop payment on my check. Which I believed I could resolve that day. I have tried many times to pay for the services rendered, but to no avail and to return the ice cabinet. I was met with representative after representative telling me I will get a bill in the mail and a return sticker. Now, on XX/XX/XXXX I get a letter from a collection agency stating the transaction could not be processed, and reasonable steps would be taken to secure payment. I am accountable for the " ice cabinet '', priced {$200.00} and the service to my home, but the {$410.00} for labor, which was the discounted price of the warranty, when no one looked at my dishwashers that do not exist is absurd! I believe I am not the only one to fall for this tactic. The main objective is for the technicians to sell the warranty plan. And they go to deceptive lengths to do so. This is now on my credit report. I will pay the {$630.00}, but I would like an adjustment for the labor charge and to have this stain off my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2021-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent received an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with 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 2023-05-08
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:
its a bunch i have hard inquires on here that was not done by me i called tried to dispute online nothing credit is still the same.. 

Also its address that are not mine on there as well as a ss number thats not mine on there as well... 


XXXX XXXX {$750.00} XX/XX/XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX {$580.00} XX/XX/XXXXXXXX XXXX XXXX  {$150.00} XX/XX/XXXX XXXX XXXX {$370.00} XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX i have 23 inquiries that i did not do nor authorize to be done on my behalf.. 

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 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 2023-11-23
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Credit reporting 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:
An account that was previously removed for belonging to my son has been put back on my credit report and my credit score took a substantial blow because of this. No information has been given to why this is put on my credit report. I have a son who lived with me, who also has the same name XXXX XXXX, and it looks like our credit reports have again been merged. I want the account from XXXX XXXX XXXX with account number ending in # # XXXX removed immediately. 

This is neglect on the reporting company, and they should be held accountable for this horrible mistake.

I am requesting an updated credit report for my personal records as I can't trust what else may be put on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX - Called to verify debt. They asked for SSN, Birthday. It's an collection company. The original debt is through Capital One. XXXX XXXX XXXX sent a settlment offer on XXXX. When I called Capital One today, they stated that XXXX XXXX XXXX does not own this debt and never has ; in fact, XXXX XXXX XXXX owns this account. XXXX XXXX still tried to collect on a debt they do not owe, can not verify, and Capital One states they do not own. XXXX XXXX Inc is committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: American Credit Acceptance, LLC
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Date : XX/XX/XXXX Notice of Rescission American Credit Acceptance XXXX XXXX XXXX XXXX, TX XXXX Dear Sirs : On the XXXX day of XXXX, XXXX I signed a contract with XXXX XXXX XXXX to purchase a XXXX XXXX XXXX XXXX XXXX at the price of {$98000.00}. I wish to cancel that contract because The 12th Code of Regulations 226.4-Finance Charge states that the finance charge is the cost of consumer credit as a dollar amount. It does not include any charge of a type payable in a comparable cash transaction. Therefore youre in violation of Chapter 15 United States Code 1605 determination of finance charge, For Chapter 15 United States Code 1662b Advertising of down payments and installments, and For Chapter 15 United States Code 1611 for Criminally, Knowingly, and Willingly providing false information. Which means the contract is null and void. This is a defamation to my character. Truth and Lending Act Chapter 15 United States Code 1605 states that determination of finance charge defined except as otherwise provided in this section the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. So was I charged a down payment on a Consumer Credit Transaction? Chapter 15 United States Code 1662b states that a specified down payment isnt required in connection with any extension of consumer credit. The fact that these laws are public information and easy to access is the reason why you are in violation of Chapter 15 United States Code 1611. Therefore I exercise my rights to rescind this contract as per ALA. Code 35-8a-408. You have 20 days to give me my down payment of {$9600.00} and pick up this vehicle by the XXXX day of XXXX XXXX otherwise you MUST release the vehicle title to me and mark this account as paid in full for violating my right to rescind. 
You can contact me via phone or email at : ( XXXX ) XXXX, via mail at : XXXX XXXX XXXX XXXX, Tx XXXX, or by email at : XXXX. I look forward to your speedy resolution. 
Yours Truly, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 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 2023-11-22
Company: Experian Information Solutions Inc.
State: NC
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 explanation
Consumer complaint received 2023-08-26
Company: WELLS FARGO & COMPANY
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo Bank Account holder in the XXXX. They charged me excessive overdraft fees

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 2022-11-22
Company: EQUIFAX, INC.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts XXXX XXXXXXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Fact, the failure of a consumer to dispute the validity of a debt may not be construed by any court as admission of liability by the consumer. This was written by congress under the FDCPA, 15 USC 1692g. Only I, XXXX XXXX, who is the consumer can validate these alleged debts. Therefore, under the provisions of the Fair Credit Reporting Act and the Gramm-Leach-Blilely Act, I hereby opt-out of the reporting of these invalidated and inaccurate accounts below. Therefore, if your company continues to report these invalidated and inaccurate accounts you will be in violation of both the FCRA and the Gramm-Leach-Blilely Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX Please also provide the signed proof that I, XXXX XXXX, gave your company to include ANY information to my consumer report. So the failure to provide me with the requested proof of the signed consent that I allegedly gave to your company makes you in violation of my rights under the FCRA. Also, each time your company attempts to illegally sell or furnish my information to other agencies or affiliates without my consent you are violating my rights and individual privacy as said so by XXXX under both the FDCPA and FCRA, therefore I demand that the inaccurate accounts above be deleted as soon as possible. 

I have provided all of my personal documents needed to process my dispute and locate me in your system. 

Please send me an updated copy of my credit report showing the deletion of these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: GA
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:
I filed several disputes with XXXX on the XXXX XXXX account on my report there has been error after error reporting every month, this account has been charged off since XX/XX/23 but showing last payment reported XX/XX/23, at this time I no longer had possession of the vehicle, today showing missed payment on a charged off loan. I want XXXX to remove this account for inaccurate reporting and shared information without my consent. This has been going on for over 6 months for inaccurate reporting and violations. I want this account 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 explanation
Consumer complaint received 2023-06-13
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: Account information incorrect

Complaint:
Hello, my name is XXXX XXXX XXXX XXXX. I am writing today to resolve an issue that has caused damage to me financially and reputation wise. EXPERIAN claims to have verified an account named XXXX XXXX XXXX is accurately reporting to my consumer report as of XX/XX/XXXX. This is impossible because the account STILL has a date last active of XX/XX/XXXX reporting on EXPERIAN and a date last active of XXXX  reporting on XXXX. My consumer report is my life and EXPERIAN has been purposely damaging me and it has to stop immediately. I have provided proof in the attached screen shots of Experians willful noncompliance which is a violation of the FCRA. I am prepared to file a civil lawsuit to rectify this matter if need be and have already filed the necessary paper work in with the federal court in the state which I reside.

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 2022-06-16
Company: EQUIFAX, INC.
State: MI
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 this isn't 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 XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. 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 n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused 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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n 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 severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation