BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: AZ
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 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 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 explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: TX
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX {$21000.00} ; XXXX XXXX XXXX : {$330.00} ; XXXX XXXX XXXX XXXX  {$1700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$470.00} ; XXXX XXXX XXXX XXXX XXXX : {$570.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} ; XXXX XXXX XXXX : {$12000.00}.

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 2023-11-04
Company: OneMain Finance Corporation
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/23, One Main withdrew an amount of {$260.00} from my account using XXXX XXXX three days after XX/XX/23, where they confirmed online that the entire loan was paid off. Thus the XXXX XXXX should not have been initiated on their end. 

The online account states that the electronic payment taken from my account was reversed but I havent ever received the money back. It is now almost a month since they took the money, and far past XX/XX/23, the date for which 15 business days had passed since they wrongfully took the money but their claim was that I would receive it by then. 

I did not receive the money by XX/XX/23. Indeed, on XX/XX/23 and on XX/XX/23, I called the branch where I signed the loan documents and discussed the matter both times with a spokesperson named XXXX, who both times was dismissive and unhelpful when I stated that I would like a check and not an electronic payment. The first time he confirmed that {$260.00} had been taken out of my account but claimed that One Main couldnt stop the electronic payment despite my voicing doubts the process would go smoothly and directly asking for a manual check then and there. 

The second time I called, XXXX still refused to write me a manual check for the correct amount of {$260.00} or get his manager on the phone after XXXX told me that One Main would only send me an overage check of {$26.00} and I shared my disbelief because the amount was so low. Indeed, the 2nd time I called, XXXX outright denied that One Main took {$260.00} from my account because he couldnt find the proof on his side. 

When I said I could call the CFPB but truly preferred to resolve the matter then and there, XXXX claimed that he wasnt actually qualified to help me, which left me wondering why he had tried to handle my complaint in the first place, both times I called. 

Finally, XXXX asked for my number to leave it with a manager who stepped out for lunch but the manager never called back to verify that the payment reversal had indeed been halted electronically nor did One Main ever call to verify that they could write me a manual check for {$260.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice of a debt owed in XXXX. I submitted proper documentation to prove that the debt did not belong to me. I also had a police report from XXXX as someone had been using my social security number under a different name that was not mine. American Express provided documentation from a bank account being used to pay the original debt that also did not belong to me. I had once again opened a dispute to exercise my rights under the FCRA, requesting any proofs with my name, signature, ID, and any other information used, never received this, and was bombarded with email communications offering me a chance to settle the debt and be offered a new card. I did request in the past that they stop harassing me and did so again today XX/XX/XXXX. 

This account is continuing to keep a name and address that I have never lived at showing on my report and out of greed they have made no attempts to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 I submitted letters to XXXX and Transunion disputing accounts that were inaccurately reporting on my credit report. It has now been over XXXX days and I have not received a response or removal of the accounts. I am trying to purchase my first home and this is hindering my approval. Can someone please help.

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 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. 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. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXXXXXX

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 2019-02-06
Company: Experian Information Solutions Inc.
State: CA
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 is currently and still reporting an inaccurate account on my credit report. 
They refuse to allow me to submit another dispute because of a previous dispute on same account 5 months ago. the issue was never corrected then and it still remains now. this account listed by XXXX XXXX XXXX XXXX XXXX, First Reported XX/XX/2011 needs to be removed for the following : Student Loan Account Info Is Incorrect

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 2018-10-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am a XXXX for the XXXX XXXX XXXX XXXX  and was injured on my job and was unable to make credit card payments for about 3 months due to financial difficulty as a result of my injury. The Months the payments were not made were XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018. 

I did not receive any notification stating that my account had been closed down. I also never knew that there was a certain time frame to dispute those changes that were made to my account. 

I have been a customer with Wells Fargo since I was XXXX years old so about 12 years. I have never had any late payments prior to that Incident. This is now reflecting negatively on my credit score and as a result of that is is making it incredibly difficult to get a good rate when trying to finance my home as rates keep increasing every day. 

I have gone into a branch and no one was able to help me re open my credit card and excuse the late payments due to my specific circumstances. I was told that I only had 19 days in order to dispute the closed down credit card and am unable to have it get re opened. And I was told in the wells fargo branch that I am Unable to get those late charges reversed because my account is closed down. 

I then decided to call Wells fargo customer service on Today 's date of XX/XX/2018. At XXXX XXXX I spoke with someones named XXXX and was also told that I can't re open my credit card after 19 days of it being closed down and I would have to re apply for a new credit card. XXXX did say she would submit paperwork to the credit bureau which would take 1 week and possibly up to 30 days to hear anything back, at which point I asked to speak with a supervisor. 

At approximately XXXX on XX/XX/2018 I spoke with XXXX who is a supervisor and was told that I had 30 days in order to re open my account after it has been closed down which is conflicting information. I am irritated because I was not notified that my account was closed down and that I had time to dispute it. I was advised by XXXX that I should contact a credit repair agency.

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 2023-09-08
Company: Experian Information Solutions Inc.
State: FL
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:
The negative accounts are still reported in my credit report. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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 2023-10-13
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Deficiency balance after repossession

Complaint:
I purchased a used car in XXXX a XXXX. and unfortunately, it was repoed in XXXX and sold by the tow yard for {$3000.00}. Lobel Financial has been garnishing /wage attaching my paycheck since XXXX. I currently been with my new employer since XXXX and here comes an attachment from Lobel Financial again, filed XX/XX/XXXX. what the heck I recently saw on google that the had a class action lawsuit filed against them in XX/XX/XXXX. and lost. So now why are they coming for me again with a vehicle that was reposed and sold from XXXX this can't be legal. I need help! they trying to get 25 % of my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
During sometime between XXXX and XXXX, my student loans with XXXX XXXX XXXX XXXX were defaulted and no longer existed as a balance under their name directly. When I recently called to initiate a new payment plan they said they no longer hold the account and it was first sent to a private company called XXXX XXXX who assumed my debt. After this I finally realized that XXXX XXXX who works with the department of education actually holds my account and I have set up a new payment plan with them to work down and pay off my student loan balance. 

My problem and the reason I am reaching out to you is XXXX is still showing my account on my credit report monthly as late, but they do not hold my account. My problem is how can the credit reporting agencies continue to report my account that used to be with them as late if they no longer hold the account? I am paying fedloan services for my debt which has been completely taken over by them. 

I have put in disputes with XXXX XXXX over the past year to no avail in correcting this. 

Can you help me or find out if I need to involve XXXX XXXX ( my credit repair service ) further? Or involve the Federal Trade commission? Or get an attorney myself on this matter?

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 2023-12-17
Company: Experian Information Solutions 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: 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 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 2023-10-13
Company: Velocity Portfolio Group
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX of the XXXX : Please provide detailed documentation that substantiates the validity of this debt. This documentation should include the original creditor 's name, the date of the last account activity, and a copy of any written agreement or contract that binds me to this debt. 

Proof of Authorization : If this charge is related to a contract or agreement, I request proof that I authorized this charge or agreed to the terms and conditions. Please provide any documents that demonstrate my consent or agreement.

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 2020-06-16
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Student Loan company XXXX  XXXX XXXX XXXX XXXXXXXX ( XXXX ) is servicing my loan. Back in 2015 I moved/mailings got crossed payments didn't get made. Once I was notified I corrected this and have been making regular monthly payments since and it's all documented. Since I missed those payments they put loan in default and will not correct my credit report/credit score even though for the last 4 yrs I've made my timely payments. I'm presently trying to go for a mortgage with XXXX XXXX and they are stopping this from going through due to this issue. I've tried to call XXXX they will not help me even though they state oh yes you've been in good standing with us for a while now! I've also provided XXXX XXXX the document with all my payments for the last 4yrs and they still will not help out. I would greatly appreciate it if this could be corrected and done so fast. I'm missing out on being able to buy a home " the all American dream '' which I worked all through school so I could get a promotion and make more money for this home.

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 2023-09-21
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX  credit cards ( 2 credit cards ) and XXXX XXXX XXXX has accounts on my credit report that are being fraudulently reported.

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 2022-07-22
Company: ACIMA CREDIT, LLC
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:
Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite my previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item are being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

ACIMA XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, 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:
The inquiry stated below is unknown to me. The furnisher was unauthorized to pull my credit report. Thus, there must be an error with TransUnion 's investigation. I have already addressed this issue to TransUnion but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see the inquiry that should be removed : XXXX XXXX Date of inquiry XX/XX/2020

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 2023-10-13
Company: Experian Information Solutions Inc.
State: TX
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:
This loan is not accurate and was done online I have asked for information on this loan and it is being reported to the credit bureau. I never gave consist to share my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XXXX AND AGAIN IN XXXX I had XXXX accounts each having XXXX each in them. XXXX in the name of XXXX XXXX XXXX XXXX the other was XXXX XXXX XXXX XXXX XXXX ( THE SECOND ) > These are deposit savings accounts that i opened and was not allowed to be withdrawn by anyone until my kids where XXXX. THE BANK HAS NO RECOLECTION OF MY ACCOUNTS. They just stole my money and got away with it TWICE!

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 2020-06-16
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
First off I never missed or was late with a single payment to this company. The loan was sold to them and same is true for previous loan company. The loan was paid in full on XXXX. When I initially contacted them they stated they needed 30 days to ensure everything went through and was processed out. Whatever that means. 
I gave them the 30 days and contacted them, I was told it was not processed, via email, and I would have to contact the title department but was given no contact email or phone. When attempting to call them I was placed on hold twice and both times disconnected. Further emails went either unanswered or triggered response with no follow-up. 
I realize they may attempt to use the current global issues as an excuse to not do the right thing, however, would like to remind them NOT ONCE did I receive any communcai0otn stating they would work with me in these troubled times. No notice from them, as I received from every other company I have financial dealings with, so to use that as an excuse would be deplorable. 
All I want is my title, I paid for it and was prompt with payment. They need to do the same. My email address is XXXX. this should allow them to look into this

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