BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-24
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX Accounts # XXXX and XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2023-07-24
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was looking at my credit report on XX/XX/XXXX where I had noticed inaccurate Information. They are saying a XXXX XXXX  I had applied for 2 things. I did not do anything with anything with XXXX XXXX. I never signed anything. Have No idea what they are talking about. 

They are giving me hard inquires on XX/XX/XXXX and XX/XX/XXXX. This Is totally Inaccurate and fraud. I never signed anything and this was never authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: WELLS FARGO & COMPANY
State: WI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received the attached letter from Wells Fargo regarding a collection, repossession and recovery of a vehicle and vehicle loan that is not mine. I want Wells Fargo to research this matter, remove and correct any negative reporting and respond in writing that the matter has been expunged. I have never owned a 2004 XXXX XXXX nor do I have any auto loans with Wells Fargo.

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 2023-07-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00} XX/XX/XXXX XXXX XXXX {$3300.00} XX/XX/XXXX XXXX XXXX XXXX {$660.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX {$2100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} XX/XX/XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXX {$970.00} XX/XX/XXXX XXXX XXXX {$7100.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-15
Company: WELLS FARGO & COMPANY
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I was forced to report a fraudulent customer satisfaction cashier 's check to the Consumer Protection Division at the Mississippi Attorney General 's Office. I am currently awaiting response from XXXX website as instructed in previous communication with Wells Fargo who provided the cashier 's check signed by XXXX XXXX. 

I was ordered by XXXX XXXX XXXX XXXX to stop communicating with the bank and a supporting letter was sent from the XXXX Department who previously refused to fully examine my concerns about switching my savings account with a withdrawal regulation to a checking account with unlimited withdrawals. The change ultimately resulting more than {$14000.00} drawn from the XXXX XXXX Account set up with Wells Fargo to temporarily pay some medical expenses. 

Since I was ordered to cease communication with the bank I am requesting our state become involved in the mediation process. I would like to go on record and state I have not accepted the check as any form of settlement in the unauthorized account change and want this complaint to clearly state the efforts made to honor the cashier 's check were fruitless and still have not cleared the Wells Fargo account. 

I included two XXXX XXXX receipts showing attempts to honor cashier 's check after bank verification on the number printed on the front of the check.

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 2022-11-29
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I fell victim to predatory lending by MaxLend. I took out {$750.00} in XX/XX/XXXX. Then I realized on XX/XX/XXXX that I was charged {$200.00} bi-weekly, meaning I had paid {$2100.00} by XX/XX/XXXX. After paying MaxLend these payments, which totaled {$2100.00}, MaxLend only applied little to none of the paid amounts to the principal balance. For example, for each biweekly payment of {$200.00} where the principal balance was $ XXXX, the ending principal would still be $ XXXX. This means that only a few cents to a few dollars of the {$200.00} bi-weekly payments I made were applied to the loan 's principal balance. Even after I had already paid {$2100.00} total by XX/XX/XXXX, I only had a few repayment options : Pay an additional {$810.00} to stop getting charged a biweekly {$200.00}. I even asked if I could get back the previous money paid in interest since the original contract was supposed to last until XX/XX/XXXX, and I paid off the loan on XX/XX/XXXX, and the answer was no. 
Pay the {$200.00} bi-weekly charge, most of which would not be applied to the principal balance. 
Pay the {$200.00} bi-weekly charge, most of which would not be applied to the principal balance plus extra. 
To stop getting charged the bi-weekly {$200.00} until I could report the issue, I picked option one meaning a total of {$2800.00} was paid to MaxLend. None of the options allowed me to pay the principal balance. When the loan was taken out over the phone, it was not explained that I would be paying $ XXXX for a {$750.00} loan.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX {$1500.00} XX/XX/XXXX XXXX XXXX {$18000.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 2023-04-25
Company: EQUIFAX, INC.
State: OH
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 notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: Kriya Capital, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, The reason for my dispute is CREDENCE RESOURCE MANAGEMENT LLC XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CREDENCE RESOURCE MANAGEMENT LLC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) CREDENCE RESOURCE MANAGEMENT LLC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation CREDENCE RESOURCE MANAGEMENT LLC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where CREDENCE RESOURCE MANAGEMENT LLC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. CREDENCE RESOURCE MANAGEMENT LLC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Im XXXX  and purchased a computer from Best Buy XX/XX/2022 with their Geek support, by opening a Best Buy Credit card. I have an excellent rating. My understanding was that it would be interest free if paid off in 18 months. The total came to a little over {$1000.00}. I made my first payment before receiving my first bill, while setting up the online payment at my bank. 

Most of my income comes in the first of the month. Every month, when my checks come in I have paid {$100.00} on the first of the month ; more than was due! I recently discovered that Best Buy XXXX XXXX Bank has been charging me a {$30.00} late fee, because I made a payment before it was due! 

I think a smart XXXX Bank or Best Buy XXXX has figured out that they can make more money charging {$30.00} late fees than charging interest, hoping seniors wouldnt notice the late fee. So far they have charged me {$90.00} in late fees, even though I have made a {$100.00} payment each month. 

I wrote Best Buy, they never responded. After filing multiple complaints XXXX bank has refunded the late 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 non-monetary relief
Consumer complaint received 2020-08-15
Company: U.S. BANCORP
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I just checked my account at Fidelity Visa last 4 numbers XXXX It said that my account had been referred to collections. 
Been a customer for a few years and now with this COVID-19 virus causing so many problems I can't keep up. 
I contacted them several time asking that they help me in some way but being Elan of course they don't do anything to help a customer. The customer is scum at this company and gets no breaks even after paying them for years. 

I was trying to inform them that my social security did not come this month due to a change in bank accounts and of course they don't care anyway. 
Social Security apparently take at least 3 months to do anything. 
Additionally their payment requested was close to {$1000.00} which i couldn't possibly pay anyway. 

The vultures are going to force me into a situation that I can do nothing about. 

Things are starting to recover a bit but they don't care and i can't do anything but wait. I'm not going to go without food to pay thesse leaches that I have tried to work with over and over. 

Its funny how other financial institutions tey to help but these " people '' do not. 
They don't care. They are going to try and ruin me. 
I have tried to be reasonable but they are not listening. I guess they are too far above me. 
Being the XXXX that I am I will just have to battle with the uncaring vicious XXXX  XXXX XXXX controlled XXXX. 

I WANT TO CLOSE THE ACCOUNT AND PAY AS FAST ASS I CAN. 

THAT APPARENTLY IS NOT GOOD ENOUGH Doing all I know to do.

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 2023-07-24
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: Public record information inaccurate

Complaint:
I have a bankruptcy reporting on my credit report that shouldn't be there, I have reached out to XXXX and Equifax. and asked that they remove this off my credit report and provided them with all the documents confirming my claim. they have consistently said the information came back verified through XXXX XXXX which is inaccurate because i have the documents from XXXX XXXX stating that this information isn't accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28
Company: American Credit Acceptance, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I perform a credit transaction with XXXX XX/XX/XXXX. I notice that there was a loan application with American Credit Acceptance which I do not agree with. I am a consumer/natural person and my rights have been violated. I have reached out to American Credit Acceptance XX/XX/XXXX stating my rights and federal laws that they have violated. State laws does not trump federal law. 1 ) They have violated TILA 15 USC 1605 Determination of finance charge. The finance charge does not include charges of a type payable in a comparable cash transaction. They required that I pay {$800.00}. They have also violated 15 USC 1611 ( 1 ) Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, There is no limitation on fraud. They also violated 15 USC 1640 ( a ) ( 1 ) Individual or class action for damages ; amount of award ; factors determining amount of award Except as otherwise provided in this section, any creditor who fails to comply with any requirement imposed under this part, including any requirement under section 1635 of this title, subsection ( f ) or ( g ) of section 1641 of this title, or part D or E of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of the failure ; The list goes on and on. They haven't responded to my letter and one of the agent signature the certified mail receipt. They continue to call and harass me for payment when they are committing fraud. I have discussed with an attorney and I expect an cancellation of this contract and my title in hand.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX our home was sold at XXXX in a foreclosure auction, I filed Bankruptcy at XXXX XXXX XX/XX/XXXX ; and Since XX/XX/XXXX XXXX , My dad 's  mortgage company Nationstar , and myself, until Now I have been in an Assumption/ Modification process. 
Nationstar which is now Mr. Cooper had all but cured our Bereavement/ Hardship concerning our dads sudden XXXX XXXX XX/XX/XXXX when they agreed formally to work with me In XX/XX/XXXX after refusing to accept partial payment or negotiate a payment plan it was all or nothing when we were just 3 months behind ( back in XX/XX/XXXX ). 
I was very meticulous in getting and sharing any, and everything requested by Mr. Cooper and then later XXXX XXXX requested documents all while allowing me to : Open Probate XX/XX/XXXX Restart My XXXX XXXX XX/XX/XXXX Qualify Financially ( provided 6 months bank and P & L statements From XX/XX/XXXX - XX/XX/XXXX ) Renovate/ remodel our home From XX/XX/XXXX -  XX/XX/XXXX I was really wandering why it was taking so long for an approval I was aware that some sort of comradery and teamwork was going on so I did n't think for a moment that Mr. Cooper would inadvertently sell without giving me an opportunity to provide more document ( s ) from the court ; especially since I 've been in compliance since the sale dates first started being postponed. 
As a Leader in Our Community, and a great lover of people one of my Biggest Failures is not Finishing what I start, Please help me to Finish the Good work that has begun even by allowing us to Remain In and to reestablish that good name that our Dad Begun with us In This HOUSE over 56 years ago! 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Good evening, This keeps on happening. I settled a charged-off account with Capital One on XX/XX/2022 and this is the second time they are reporting the account as still charged off. This messed up with my XXXX report as it says I have a recent missed payment, and I do not have any missed payments since the last 6 years. I lost XXXX points with Capital One 's improper reporting. It is like they do not want to forgive you even if you settled your account and should not be reporting as a charged off since XX/XX/2022. I am tired of this and hopefully, this will stop them from refreshing the report as still an active charged off. 
Thank you.

Company response to consumer: Closed with explanation