BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-10
Company: Experian Information Solutions Inc.
State: NJ
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:
For years, my wife and I have had a first mortgage on my home. The mortgage has always been current and always with timely payments. Initially the lender was XXXX XXXX. Several years ago, the loan was assigned to XXXX, now called XXXX XXXX XXXX. By letter dated XX/XX/2020, entitled Notice of Servicing Transfer, we were advised that, effective XX/XX/2020, the servicing of the mortgage was being transferred by XXXX XXXX XXXX XXXX  XXXX to XXXX XXXX XXXX XXXX. Indeed, I sent the XX/XX/2020 mortgage payment to the new servicing agent. 

On XX/XX/XXXX, I checked my XXXX and XXXX XXXX credit scores with XXXX XXXX and discovered that XXXX  had lowered my credit score by 56 points and XXXX XXXX by 55 points, the reason being that my account with XXXX XXXX XXXX had been reported as being closed. My account with XXXX XXXX XXXX was not closed, it was transferred, presumably as part of a business move by XXXX in transferring the servicing on many of the loans in their portfolio. The action by XXXX  and XXXX  was arbitrary, capricious and inaccurate as the transfer of the servicing rights should have had no effect on my credit scores. I am asking the CFPB to impose maximum sanctions and penalties against the two credit reporting agencies and to conduct a complete investigation as to how these agencies determine credit scores. This action by them severely affects me and must be reversed 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 2020-04-10
Company: Accurate Background
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
On my background check report from accurate it states on XX/XX/2019 I was suspended for failure to comply with financial responsibility. There is no such charge, it states my driver 's license was suspended. It was renewed XX/XX/2019 and has been VALID EVERY SINCE! THIS IS FOR XXXX COUNTY KANSAS XXXX : XXXX XXXX : XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
According to my research about FCRA 605, CrediBureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2023-04-28
Company: WELLS FARGO & COMPANY
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
General Obligation : Commencing on or about XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX, with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. 
Money was transferred from my account via debit card, and through an intermediary named XXXX in the total amount of XXXX USD.

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 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Please see the attached documentation. XXXX XXXXXXXX XXXX has systematically and unethically continued to attempt to extort money from me by violating my rights including : unfair and inaccurate reporting to credit bureaus, attempting to extort money by negative reporting incorrect information to agencies, attempting to add exorbitant additional fees after the fact of {$6400.00} ( house closing and payoff as of XX/XX/XXXX, court case dismissed as of XX/XX/XXXX ), charging exorbitant and unethical fees ( including a one month XXXX % fee of {$3000.00} ), etc.. The loan is paid in full and I have NO CONTRACT, NO STATEMENTS/DOCUMENTATION FROM XXXX XXXX XXXX XXXX 
PLEASE INVESTIGATE XXXX XXXX XXXX, FDIC CERT # XXXX, COLLECTION AND FEE PRACTICES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: MS
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. 


Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Security Credit Services, LLC
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: Information belongs to someone else

Complaint:
I have NEVER done business with this company ever nor the company it states it originates from. I have reached out to both and customer was rude and hung up on me as I tried to explain the truth them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. Please find it in your best interest to delete the items

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: Genesis FS Card Services, Inc.
State: AR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I contacted GENESIS CARD SERVICES several times about these two FRAUDULENT indigo and destiny accounts on my credit report are STILL here. I have never lived at the addresses associated nor authorized anyone to open anything with my information. When I spoke to them on the phone I was very clear and told them my name and social and also made them aware my information has been part of data breaches by XXXX and XXXX. Also the account number in their responses to me is NOT what is on my credit report at all. One account shows closed the other shows open but the account numbers remain the same on all 3 credit reports in which NEITHER was opened by me. The account says it ends in XXXX from destiny card / genesis. This is unethical on their end and absolutely NOT okay. I do not know what type of company this is, but this is absolutely madness and very much unethical practices. There is no reason I should have to keep repeating myself and having foreign representatives with language barriers constantly tell me the wrong information continuously after I have very CLEAR. I am attaching EXACTLY what is on my credit reports because it seems these people are playing games with my livelihood at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: WELLS FARGO & COMPANY
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased an item on XXXX. The item was defective and did not work. The seller told me to ship it back and they would credit me for the shipping, and then mail the item back to me after repair. I sent the defective item back, and paid {$48.00} to ship the item back. The seller then sent me two credits that totaled {$50.00} to cover the shipping. Then the seller kept my {$80.00} purchase price money and never sent me the item back and would not reply to messages. I disputed the transaction, I won, Wells Fargo credited me card {$80.00} and told me the dispute was closed. Then months later, Wells Fargo sends me a letter saying that they have debited my account {$50.00} and gives me no reason. I did not authorize this {$50.00} debit. Wells Fargo stole {$50.00} from me. I called and tried to get my money back but they kept putting me on hold and making excuses and lying to me and would not return my money. Please help! Wells Fargo and XXXX stole {$50.00} from me illegally!!!

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 2023-12-30
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
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 had {$170.00} dollars charged to me after cancelling my XXXX XXXX XXXX trial month. This has been an ongoing battle against XXXX XXXX, BMO, and me. Approximately XXXX months ago, I signed up for a one-month trial of XXXX XXXX XXXX XXXX for my work. I cancelled my " subscription '' a week before the one-month period. I am demanding my money be refunded back to me. Before Bank of the West turned to BMO, this would have been investigated and I would have been justified in my favor. However, since BMO merged with Bank of the West, BMO cares only about the merchant than his or her own 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 2023-05-19
Company: TransferWise Ltd
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My Business Wise account deactivated. it has the balance {$500.00} so I requested to refund the balance to the sender but they refused. Totally they stole my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I demand that the inquiries is removed from my report. I did not authorise this inquiries. I have not heard anything from the credit bureaus about these inquiries. I demand that it is removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
For 2 months, XXXX and XXXX of 2017 Bank of America account has transferred 2 separate monthly payment to another account with out my authorization. Further, I have letters from Bank of America stating these transfer were made in error. As of XXXX XXXX, 2017 there has been a charge applied to another account, which is being disputed. 
Bank of America has not been able to explain how a account can transfer funds without impute from me.

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 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 the USC 1681. 

XXXX account # XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX 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 2017-01-31
Company: The CFM Group
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
XXXX from XXXX, or Consumer First Management XXXX has been continuously contacting me about a debt that I apparently owe from 10 years ago. He continues to call from a different number every time, one time it was an XXXX number, the next it was a XXXX number and the last time was from a XXXX number XXXX. I asked him about the debt that I owed and he said that there was mail that went to my house and I never responded to it. I never got a letter from his company and didnt throw anything away. He stated that it was sent and that he could not get me any paperwork showing what I owed as he would have to file a judgement against me in order to obtain that paperwork. He gave me the file number for the case and said that if I wanted to call the company that it came from I would need to get ahold of them and find the original paperwork. I did get a hold of them and they dont have record of it as it was over 5 years ago. He keeps telling me that it is going to cost me a lot of time and money to resolve this. I am confused as to why I would be taken to court over something that is 10 years old, and over something that he can not and will not provide paperwork on. He has called me 7 times in the past week and before then everyday even after I spoke with him about the debt. I told him I was not familiar with the XXXX. I have looked them up and can not find their information anywhere. This XXXX XXXX said that if I do not respond he was going to take legal action against me. They call at all hours of the day while I am at work and while I am at home.

Company response to consumer: Closed
Consumer complaint received 2023-01-18
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: Information belongs to someone else

Complaint:
This is my fourth 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

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 2021-06-25
Company: Affirm Holdings, 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: Problem with personal statement of dispute

Complaint:
During the beginning of the national COVID pandemic, I had an already booked trip through Affirm loan ( Booked through XXXX ). Travel was cancelled, lockdown began, we were not allowed to leave our house let alone TRAVEL. I was forced to cancel the Affirm loan but was unable to and it was suggested to reach XXXX and airline to get refund. 

As you know, during this unprecedented time, their phone lines were busy most days, companies were understaffed and it took weeks for me to reach a human to get support on this. 

Finally, after calling hours a day and reaching out on social media, I was able to reach XXXX and the airline to get Affirm refunded. I owed Affirm {$0.00} on that loan, as it was completely cancelled and refunded. 

I noticed a few months later that Affirm reported the payment as late. 

I reached out through phone and through social media as well as disputed the information through the credit bureaus. I even asked for a goodwill adjustment due to the forbearance programs the government offered during the lockdown/pandemic and each time this was denied by Affirm. 

Given the circumstances of the pandemic, the fact that I got them fully refunded, the fact that I am a loyal ( timely ) Affirm customer even still and more importantly the forbearance program regulations, I am disgusted out how they have responded to this. 

To my knowledge, the forbearance program through COVID states that no late payments are to be reported to the credit bureaus during the program/COVID.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
XXXX. On XX/XX/2023, I paid a {$1000.00} deposit for the purchase of a 2023 XXXX XXXX. 
XXXX. On XX/XX/2023, XXXX Honda ( XXXX XXXX XXXX ) obtained my credit report with my consent. 
XXXX. On XX/XX/2023, American Honda Financial obtained my credit report without my consent ; why was the initial credit report obtained not used? 
XXXX. On XX/XX/2023, the vehicle is available for pick up. I completed financial paperwork. At that time, I purchased XXXX insurance ( plus more ) and signed a document that the vehicle is being surrendered in full. At handoff, I noticed that the purchased options were not present. The vehicle was not delivered in full as documented. 
XXXX. On XX/XX/2023, I was notified by XXXX Honda that I MUST recontract due to XXXX insurance being offered in error. I met with XXXX? Finance XXXX and XXXX Representative who advised that I can not keep the XXXX insurance that was sold to me and that I can either recontract with them once XXXX is removed or I can find another entity to refinance me and probably not at the same rate. They also offered to provide me with a check for the equity in my vehicle and acknowledges that my monthly payment will increase. 
XXXX. On XX/XX/2023, American Honda Financial obtained my credit report again without my consent. 
XXXX. Upon review of all related documents, I became aware that XXXX Honda and American Honda Financial Corp contracted the vehicle for a cash price of {$430.00} more than the market value selling price agreed at time of deposit. 
XXXX. XX/XX/2023. CFPB complaint filed. No payment information received from American Honda Financial or XXXX Honda as of this date. Estimated first payment is XXXX 2023.

Company response to consumer: Closed with explanation