BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-08
Company: WELLS FARGO & COMPANY
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
On XXXX XXXX I receive a Letter from Wells Fargo Customer Care ( Please see attach files ) Informing me that I was enrolled in the Identity Theft Protection - Affinion - Product. Enrollment began on XX/XX/XXXX and ended XX/XX/XXXX. 
I was told at that time ( XXXX ) that due to my age ( XXXX ) it was not valuable to me. So I was not able to enroll, Little did I know that either Wells Fargo, or XXXX XXXX Had enroll me with out me knowing, and with out me Authorizing It. Age should not have been an Issue when it was being offer to younger person, I had an Excellent Credit Rating, and still have it to date. 

XXXX days later I receive another Letter from Wells Fargo Customer Care ( Please see attach files ) Informing me that I was enrolled in the Identity Theft Protection - Affinion - Product. 
Enrollment began on XX/XX/XXXX and ended XX/XX/XXXX. I did not at that time add this to my Credit Card due to It's cost. 

Both the Letters gave a phone Number on them to call If I had any Question, and Yes I called them, and was not Please with what I was told, on what the Compensation would be for this. Like every one else I did not Like being told I was to Old to add that Product to my card in XXXX, and as of to date I still do not like it.

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 2023-08-11
Company: Dynamic Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In the last three days I have received two text messages from Dynamic Recovery Solutions stating that this is an attempt to collect a debt I have with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX They asked for my contact information ( really?? ) and the last four digits of my Social Security No. 

I have no idea what they are talking about. I will not contact this company because I believe they are up to doing something illegal. I need to know how I can stop them from possibly ruining my credit. 

I have checked them out on line and this type of action seems to be their company mission statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: EQUIFAX, INC.
State: MD
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:
The following accounts on Equifax reports have factual information that conflicts with XXXX and XXXX reports : XXXX : a ) Equifax lists the account as 30, 60 & 90 days late in XX/XX/XXXX & XX/XX/XXXX ; & XX/XX/XXXX ; XXXX & XXXX show pays as agreed, never late. b ) Account closed indicates XX/XX/XXXX, XXXX shows XX/XX/XXXX, XXXX lists account not closed. c ) Date of last activity, shows no date of last activity, XXXX says XX/XX/XXXX, XXXX says no date of last activity. 

XXXX XXXX XXXX Account XXXX XXXX : a ) Equifax lists the account as 30 & 60 days last in XX/XX/XXXX & XX/XX/XXXX ; XXXX indicates XX/XX/XXXX & XX/XX/XXXX ; b ) Account last updated shows XX/XX/XXXX, XXXX says XX/XX/XXXX XXXX c ) Account closed indicates XX/XX/XXXX, XXXX lists account not closed. d ) Account type shows credit card, XXXX says line of credit. 

XXXX XXXX XXXX Account XXXX XXXX : a ) Equifax lists the account as 30 days late in XX/XX/XXXX ; XXXX indicates 30 days late in XX/XX/XXXX. b ) Account last updated shows XX/XX/XXXX, XXXX says XX/XX/XXXX, XXXX says XX/XX/XXXX. c ) Account closed indicates XX/XX/XXXX, XXXX lists account not closed. d ) Date of last activity shows XX/XX/XXXX, XXXX says XX/XX/XXXX, XXXX says no date of last activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. 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 2023-11-20
Company: Experian Information Solutions Inc.
State: PA
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:
Despite my previous 4 written requests, the unverified items still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did.

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 2023-08-11
Company: OneMain Finance Corporation
State: MD
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:
1. Onemain- have ignored my request to provide me with validation that this debt was assigned or sold to a collector. I have call several times and was told because they no longer have the account, I have to speak to the collector but Onemain is the one that is reporting the inaccurate information on my credit report each month since XXXX. The collection agency is not reporting anything to the credit bureau. 

2. XXXX XXXX XXXX - In year XXXX, XXXX loan agree to take a smaller payment amount because I no longer had an income due to not working until I retired in XX/XX/XXXX. XXXX have inaccurate reported me delinquent for 276 days pass due. I received a phone call on XX/XX/XXXX from XXXX offering me a settlement of {$2900.00} but constantly reported to the credit bureau inaccurate information and remains charging me XXXX percentage interest. 

3. XXXX XXXX XXXX - have reported inaccurate delinquent payments transfer from XXXX XXXX XXXX XXXX during the bank merger between the two banks. This account was transferred from XXXX XXXX XXXX XXXX. 

4. XXXX XXXX XXXX XXXX XXXX XXXX )- This account has been paid in full for XXXX XXXX XXXX. I was told by XXXX XXXX XXXX this account can be deleted but has to be done by the collection agency because the account was placed with them for collecting but they refuse to delete from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: American Credit Acceptance, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I purchased my car through XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX. When I purchased the vehicle I was serving the XXXX XXXX XXXX and My Wife who is the co-signer was currently full time in the XXXX XXXX XXXX I have made over XXXX payments on this vehicle to date at a XXXX percent interest rate. According to the SCRA we were supposed to be capped at 6 % because of our military obligations. The amount financed was XXXX, as of today I have paid a total of XXXX, XXXX in interest and XXXX in principle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: FL
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 Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to bring to your attention a matter of great concern related to what appears to be an ongoing and persistent issue of multiple attempts to remove fraudulent items from my credit report. Despite my previous efforts to rectify this situation, it is disconcerting to observe that unauthorized parties are making repeated and unauthorized attempts to alter my credit information. 


I have noticed and documented several instances where fraudulent items on my credit report have been subject to removal attempts without my authorization or validation. These unauthorized actions not only compromise the accuracy of my credit history but also raise serious questions about the security of my credit information. 

Despite the evident impact of these removal attempts, I have not been contacted by your agency for proper verification or authentication. The absence of thorough verification procedures is alarming and contributes to the ongoing vulnerability of my credit information. 

Given the persistent nature of these removal attempts, I am deeply concerned about the heightened risk of identity theft. I have taken immediate steps to secure my personal information, but I urgently request a comprehensive investigation to prevent further unauthorized alterations to my credit report. 

I formally request that your agency conducts an immediate and thorough investigation into these incidents. Additionally, I seek regular updates on the progress of the investigation, along with detailed information on any actions taken to prevent and rectify the unauthorized removal attempts on my credit report. 

To assist in your investigation, I have attached relevant documents. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: In progress
Consumer complaint received 2023-08-11
Company: Palm Beach Credit Adjustors, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XXXX XXXX XXXX from XXXX XXXX XXXX sent a bill for {$640.00} to a collection agency that ruined my credit score for a emergency room basic procedure of stitches from 4 years ago that was covered by medicade to a group namedXX/XX/XXXX and never tried to tell me they were attempting to collect the money so I could pay or give them my insurance information again. They waited until I started building my credit history and score and then put a derogatory mark against me that destroyed everything I worked to accomplish paying my bills on time as a young adult for many years. Im highly disappointed and frustrated and frankly insulted that they did this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
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 Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card or car payment account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Atlanticus Services Corporation
State: PA
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:
In XXXX of 2023 I received a text message from Fortiva Credit Card company that stated your payment is past due pls click on link and make your payment, or call us at.. I didnt recognize the name Fortiva XXXX company so called the number they provided. I spoke to a representative and explained that I dont have a Fortiva account. During our conversation we noticed that on my online application the address on the application was different then the address she had on file and different then the address the Credit card had been sent to. Application address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Pa XXXX. Address CC was sent to XXXX on file was XXXX XXXX XXXX, XXXX, SC XXXX. That address DOES NOT EXIST. After ending conversation I never received an email phone call nothing. XX/XX/2023 received another text from Fortiva and called and explained again the same thing as I did in XX/XX/2023 and the address they had on file once again was different now it says XXXX Sc. Never lived there they said they sent me papers and they where sent back. Yea dont live there. This time conversation ended with fraud department to file dispute. Next day received email to call fraud department. Called them the guy said that on my depute papers I didnt put what charges I was disputing. I replied all of them I never received the card. Thats what I wrote on the papers. He replied I need dates, amount, and store names. I said idk bc I never got the card never received a bill never knew a card was sent. To be honest I said ok I guess I applied XXXX XXXX % chance I did XXXX just dont recall but I know I never got the card. He told me that card was activated from my number. Ok idk how bc the card was sent to SC I lived in Pa. It might have been activated from my number but was it from my phone. Bc someone with draws money from atm from my checking account using my pin doesnt mean they had my card. Its now on my Credit report effect my score. Was reported to credit report XX/XX/2023 same day i filed dispute for XXXX time. I told the rep I want to see them in court to resolve this bc they cost me a bad mark XXXX my score dropped. XXXX they will not resolve this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have XXXX accounts with synchrony bank. 
XXXX for a sewing machine purchase and XXXX for Sam 's Club. 
in the last month I have tried daily to sign into the website to make a payment. The site continues to say it is having problems when I sign in. I have tried calling the number on both cards and only get a telco intercept with a long and complicated phone tree. Twice in the past week I have attempted to contact through the website by filling out surveys, surveys because there is no e-mail address available. 
In the past I have made a payment through my bank and bill pay. It shows up as having received the payment transfer but does not show up as a payment made and there is a service fee charged for a late payment. 
Payments show as paid only if paid using their website. My web browser is up to date on its operating system. 
In searching the the internet for possible solutions it is noted that there are multiple people who are having the same problem after a certain number of months, and paying additional 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 2023-08-15
Company: Experian Information Solutions Inc.
State: LA
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:
In XXXX i dispute a collection account with experian that was on my credit report i told them the account was not mine yesterday XX/XX/XXXX i found out they had someone elses credit report mix with mine they could clearly see two different names and two different ss numbers but they kept it on my report i was denied a loan a i am completely devastated by this they said they would fix it but my score still remains 90 points lower then the other to reporting companies they said that was what my score would be this is not fair i have worked hard at my credit they should not be able to do this they refuse to take off hard inquiries that i did not give permission to run either 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 explanation
Consumer complaint received 2023-08-09
Company: American Credit Acceptance, LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I made payments to American Credit Acceptance using their online portal to use XXXX XXXX. On XX/XX/2023 I paid XXXX using my debit card and was charged twice. On XX/XX/2023, I paid XXXX, which also was charged twice. At that time I have tried over and over again to communicate with this company to get those payments applied to my account or refunded. I have sent multiple copies of my statements to no resolve. I received an email stating that those funds were refunded to my account which the statements show that they were not. I tried disputing it with my bank in which they told me the merchant said it was paid so no refund is going to be given and the case closed.

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 2023-08-08
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A fraudulent account was opened in my name I've never had any business with frost Bank. Once I received a letter saying an account had been opened I called and reported it as fraud. Now I've received a copy of a fraudulent check that someone cashed on the fraudulent account for XXXX and it had been sent to frost banks loan recovery department. I've spoken with the bank and there recovery department and explained this account was never mine and I've never had business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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 status incorrect

Complaint:
XXXX, XXXX, XXXX ARE REPORTING INACCURATE INFORMATION ON MY CREDIT REPORTS. THERE SHOULD NOT BE ANY DERROGATORY OR DELINQUENT ACCOUNTS ON MY REPORTS AND THE ACCOUNTS IVE UPLOADED DOCUMENTATION OF ARE NOT MINE SO THEY NEED TO BE REMOVED IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation