BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
Company: Relay Financial (US), Corp.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2023, I transferred {$46000.00} from my Relay Financial Account to XXXX XXXX ; this transfer was conducted in good faith and involved the legitimate funds of my business. The wire transfer was executed between accounts under the same business, from XXXX XXXX XXXX at Relay Financial to XXXX XXXX XXXX At XXXX. 

On XX/XX/2023, I received a message from XXXXXXXX XXXX  stating that Relay Financial requested a wire recall. These funds rightfully belong to my business, and as the owner, I have the right to change bank institutions and transfer funds between accounts owned by my business. Therefore, I request that Relay Financial cease the wire recall.

I have called Relay Financial countless times, sent emails, and filed a formal complaint with the bank ; but it has been over 3 months and I have not received an answer about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have been trying my best to get this account by Experian updated. I even paid XXXX different credit repair companies to update the information and no one could fix it. I tried to even fix it myself. I ask XXXX to send me over to monthly statement from back then so I can show them how they are wrong. XXXX made the error of not updating my account back when they did not receive my payment and I was not my fault. XXXX refund my late fees which will show up on my credit card statement all three times. Because the account use to be a XXXX credit card and XXXX took over the account. I can not get the creditcard statment from back then. XXXX told me the system do not go back that far. If it do n't go back that far how are they able to prove this was a valid late account. I want might credit card statement from back then so I can prove I was not my fault when the account was late 3 times. This was the reason why I changed my payments to be done online. And there was no more problems after that. How can you prove anything if the citicard company wo n't give me my statements. Because Experian is the only one reporting this as a late account without any proof of documents I find it to be their fault. Experian should ask for the credit card statement to prove the late dates. So I can prove it was not valid late account to be reporting it to the agency. I attached account document from experian to show you the account I am talking about XXXX Credit Card Account XXXX. I use to be a XXXX account.

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 2023-10-04
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:
There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. 

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 2023-01-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
EQUIFAX, XXXX, XXXX and XXXX XXXX XXXX  are violating my rights under the FDCPA, FCRA, and as a consumer. They have failed to verify and validate information before placing fraudulent information on my consumer report. This is defamation of my character as they are saying I owe an alleged debt that is not mines.This alleged debt is a violation of 12 CFR 1006.34 15 USC 1692g as well as12 CFR 1006.30 ( e ) 15 USC 1692j ( a ), I demand to see a contract with my signature and the fraudulent debt collector in mention along with a copy of the judgment made against me that validated this alleged debt. This alleged debt is also a violation of 12 CFR 1006.22 15 USC 1692f as there was never an agreement between myself and the fraudulent debt collector attempting to collect an alleged debt.I have no contract and/or agreement with XXXX XXXX XXXX XXXX they are acting as a third party attempting to collect a fraudulent debt. They have not provided me with any documentation that contains my signature authorizing any agreement or contract between XXXX XXXX XXXX XXXX XXXX XXXX. EQUIFAX XXXX, and XXXX has not provided proof that they verified the consumer was given the chance for the information not to be shared and the consumer chose not to opt out every time they have received information pursuant to 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) .they have not provided any proof that information solely on transactions or experiences between the consumer and the person making the report is not to be excluded from a consumer report pursuant to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). I never gave them consent to furnish anything on my consumer report as described in 15 USC 1681b.They have not provided any judgements made against me or any original notes .This is directly impacting my life as I have been denied for credit because of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Carter Young had one of their representatives impersonating a detective to attempt to collect a debt that was mine, they used vulgar & explicit language. I was verbally molested by a XXXX  representative pretending to be a detective to call and harass me on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: NY
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:
My social security number is XXXX on my experian credit report theirs are threehard credit inquiries XXXX XXXX XXXX  and XXXX all hard credit report inquiries are fraud please have experian remove the three hard inquiries I have a federal trade commission identity theft report on file

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 2022-12-14
Company: Experian Information Solutions Inc.
State: DE
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:
These accounts should not be furnished on my consumer report. 
Us code 1681c a consumer reporting agency must block the reporting of any information in a file of a consumer that results from an alleged identity theft

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 2020-03-06
Company: Account Recovery Specialists, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent this collection agency multiple letters asking for verification and they keep sending me letters thinking it is a credit repair company on my behalf. I do have proof of what they have sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
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: Was not notified of investigation status or results

Complaint:
I have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

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 2016-09-14
Company: Advance America, Cash Advance Centers, Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
It was XXXX, I was working a part time and borrow {$110.00} from Advance America, a payday loan predator company. At, the time, I lost my wallet and all of the contents, which contained my id, ssn, and other pertinent information. 

On XXXX XXXX, XXXX ; I get a call from them out of the blue, from a company that claims that are attempting to collect a debt from them. This company, is harassing me, and I want it to stop. Not, only, to they charge enormous interest to poor young and old they do not stop until they get paid. Please do something!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have an account reporting on my all three of my credit reports from XXXX XXXX, I am a victim of identity theft, I disputed the charge with XXXX and the account was reported again as a valid debt, I would like to know what information was used to show that this debt is valid, I want validation of the debt showing that it belongs to me, I never had an account with XXXX, I need the original application and proof that I opened this account. I do intend to file a suit if this information isn't corrected and removed from 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 non-monetary relief
Consumer complaint received 2020-02-22
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I've attached supporting documents. this will be my third complaint against Comenity Bank which handles my XXXX XXXX account. This bank purchased my account from another lender without notifying me and has continued to force late fees and late interest throughout the entire term. When I found out about the purchase I immediately closed the account and notified them in writing that I don not agree to any new terms. I recently paid the remaining balance in full on the due date and the bank still charged me a late fee and interest which is not in my cardholder agreement. The late payment warning under the account summary does not specify a cut-off time for payments, it merely states that the payment must be made on the XXXX of every month. Later in the statement there is a cut-off time mentioned, however their policies and procedures are not consistent. I've attached a copy of the statement with the late payment warning visible and not displaying a cut-off time. I've also attached my emailed receipt dated XX/XX/XXXX, reflecting that I made the payment on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
State: NY
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:
as of XX/XX/XXXX, I have noticed a fraudulent account Account name, XXXX XXXX XXXX. 
Account number XXXX Date opened XX/XX/XXXX Date closed- Balance XXXX Account status open past due XXXX as of XX/XX/XXXX Last payment date XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: SYNCHRONY FINANCIAL
State: NY
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:
I would like to be provided proof I consented to these inquirys via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

I did not consent to these inquiries and they need to be removed immediately.

By the provisions of the Fair Credit Reporting Act Section 611 and Section 611 ( a ) of the FCRA, I demand that these items be investigated and removed from my report. It is my understanding that you will check these items with the person who has posted them. Please remove any information that the you can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter.

I sent a previous letter to you disputing accounts as erroneous and mailed them certified mail, return receipt requested. I received notice in the mail that you received the dispute letter. It is now a different month and I have not received any proof from you that you conducted a proper investigation or any investigation at all. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30-day time period.

You must delete all of the disputed accounts from my report. It has been more than 30 days. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. 


-- - SYNCHRONY FINANCIAL ( Finance ) XX/XX/2021 -- - SYNCHRONY FINANCIAL ( Finance ) XX/XX/2021 -- - SYNCB/PAYPAL ( Bank ) XX/XX/2021 -- - SYNCB/CARE CREDIT XXXX Finance ) XX/XX/2021 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 2023-05-02
Company: Global Lending Services LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX I went to XXXX XXXX, XXXX, and XXXX to buy a car. I put down {$500.00} on a XXXX XXXX XXXX. I was told my Apr would be 24 % with Global Lending. I didnt take possession of the vehicle until XX/XX/XXXX. When I got the car home the car wont crank. I called back the dealership and told them I would like to cancel my contract on the car because it wouldnt crank. They told me the financing manager wasnt in and he would call me back. I finally got the car to crank and took it to be checked and the transmission failed the test. I called back and was told they would get back to me they never did. Global lending reported the loan on my credit report at 27.6 % I was very confused and called to ask about this and was told I needed to contact the dealership. On XX/XX/XXXX the XXXX started losing power where the car would shut off. I called the dealership and was told that was how XXXX made the car and it was nothing they could do. I went through this problem the entire time. I was laid off and I spoke to my lender letting them know and also letting them know my loan was still reporting wrong and they told me I once again I needed to reach out to the dealership. XXXX told me they would pay my loan in full because my car was including in a engine recall. Global lending wouldnt even allow XXXX to look at the vehicle they harassed the dealership everyday about the car even though they were reporting a fraudulent loan and they never corrected it. I asked to be released from this loan as soon as I took possession of the car and I was given the runaround instead

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have finally gotten the opportunity to pull my credit report and I noticed that there are a number of fraudulent inquires on my credit. Names used to pull credit report that are not in anyway associated with me. I also noticed addresses that I do not or have not lived at. I would like these items or things removed from my credit report. Please any assistance would be greatly 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 explanation
Consumer complaint received 2019-07-12
Company: WELLS FARGO & COMPANY
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 status incorrect

Complaint:
wells fargo dealer services is damaging my credit by reporting a XXXX charge-off on an auto loan ( wells fargo dealer services, partial account no.XXXX .... ) the original charge-off amount was for XXXX dollars which Wells says was for a bounced check on the final payment of the auto in XXXX. 
However due to admitted error on the part of wells fargo, wells owed me XXXX dollars since XXXX for insurance charged that I didn't need.Wells discovered their error, and '' promptly '' sent me a check for XXXX dollars in XXXX. 
so at the time of charge-off in XXXX for a XXXX dollar amount.. 
wells has " discovered '' they have owed me XXXX dollars since XXXX..wells sent a check for XXXX dollars for the " stolen '' funds for a fraudulent insurance scam ( cfpb court case resulting in XXXX XXXX dollar fine ) .YET WELLS FARGO WANTS TO HOLD ME AND MY CREDIT ACCOUNTABLE FOR A BOUNCED CHECK ... CLAWED BACK 47 DAYS AFTER THE CHECK PAID ... .EVEN THOUGH AT THE MOMENT OF CHECK BOUNCE WELLS HAS ADMITTED THEIR ERRONEOUSLY STOLE XXXX DOLLARS AND HAD BEEN HOLDING THOSE FUNDS SINCE XXXX. 
THE ATTACHMENTS HOLD THE INFO.WHICH CAN BE JUDICIALLY NOTICED EVIDENCE IN MY CASE LATER ON.

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 2023-10-04
Company: Experian Information Solutions 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:
15 U.S. 1681c-2 black of information resigning from I didnt need that ASAP as otherwise provided in this section and consumer reporting agency agency cell Block the reporting of information in the pile of a consumer that the consumer identifies as information that resulted from an alleged I delete that not later than four business days after today every receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ( 2 ) a copy of an identity theft report ( 3 ) that identification of such information by consumer and ( 4 ) a statement by the consumer that the information is not information related to any transaction by the consumer

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: 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX # XXXX XXXX report as a charge off by a debt buyer and has inflate the balance. suppress any information unauthorized by consent.1681q obtaining information under false pretenses : any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined XXXX.1681r unauthorized disclosures by officers or employees : providing information concerning any individual from the agency files to a person not authorize to receive that information shall be fined {$5000.00}. Section 5 ( a ) of the FTC ACT 15 USC 45 ( a ) prohibit, unfair, or deceptive acts or practices in or affecting commerce.According to the ( debt bondage repair act ) prohibits, a consumer reporting agency from reporting adverse credit information about a consumer that is the result of severe trafficking in financial information. I fraudulent misrepresentation is unlawful.

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