BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-13
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
The short of it is the credit reporting agencies are practicing unfair practices. For nearly 120 days this has been what it has been like for me. My story : Prior to XX/XX/2021 I had 12 or more credit cards, a car loan, student loans, personal loan. And credit card utilization of 70 % at any point and time prior to XXXX. Important note, NO LATE PAYMENTS IN FIVE OR MORE YEARS ON ANY ACCOUNT. 
Late XXXX, I paid all credit cards down to less than 10 % utilization. ALL of them. 

My credit score went up about 30 points on XXXX  and XXXX. For Experian  it increase by more than 100 plus points. Roughly ten days later, for no reason known to me Experian change my score to within ten points of the other credit bureaus, reducing the score by 100 points. Again no change to any account and Experian just reduced it.

Next I paid off my personal loan. No late payments on life of loan. My credit score DROPPED by 6 points for paying the personal loan off. 

Just to see what would happen, on a credit card with and already 9 % utilization I made a {$40.00} purchase. My score dropped by 4 points for the {$40.00} charge.

I paid {$140.00} on the same credit card a few days later. My score did not change at all.

I next paid off my car loan. My score dropped by 10 to 12 points. No late payments. Just paid it off. 

My point is I gain few points for on-time payments. I lose point for using the credit cards even if balances remain below 10 %, and I lose points for paying credit cards or other type loans. 

I can not win. I am a XXXX  man. My wife, who is XXXX, paid down her credit card balance but remain about 30 % utilization and she gain several points. Her score is higher than mine right now and her utilization is higher. Her debt to income is higher.

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 2023-08-24
Company: Earnest Inc.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
On XX/XX/2023, I received mail addressed to my minor son from Earnest XXXX XXXX XXXX. His name was not completely correct. Where are they getting his information? It concerns us that his identity is compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I visited multiple XXXX XXXX locations trying to close my account. Each location responded differently to my request but they never said I owed any amount of money. I did not know I had a charge-off of a merely {$3.00} until it showed up on my credit. I contacted XXXX  multiple times as well to verify the charge-off but never received a response. This negative listing and inaccurate reporting on my credit reports is causing me much emotional and financial stress that is interfering with my personal and business life. The account is showing unknown reports on the credit reports, which proves several FRCA violations. I am requesting that this account be permanently removed from each of the bureaus as it has false and inaccurate information with a charge-off of a small {$3.00}. Please help me resolve and remedy my credit from these violations. I have contacted the XXXX. Attorney General 's Office, and the CFPB.

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 2022-03-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX keeps removing and reapplying accounts to my credit report in violation of the FCRA. I have NO LEGAL CONTRACT with XXXX XXXX and I owe them no debt. They have also not provided full validation as requested. Remove this from my Equifax and XXXX reports immediately. Account numbers are XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
This is the email, I had first written to PayPal written on the XX/XX/2022, Hi, thanks for taking the time out to respond. Im currently very upset right now as I woke up to see a very concerning email regarding the closure of my account. Im writing to explain the recent transactions on my account and see if I can possibly get a release of the money in my balance. I recently sold a hoodie on the XXXX  app and I provided tracking and shipping information and the parcel should be received by the buyer by XX/XX/2022. The last two transactions were items bought on XXXX but I had refunded the buyers as I sold the item somewhere else. These are the only activities that were going on in my account as I only use this to receive money and withdraw. Im pleading to help to either undo the limitation on my account or at the very least allow me to withdraw the money in my account as I need this to pay for debts and medication for a family member. Thanks for your time and I hope to hear from you soon. They had closed my account for no reason and when I had asked them they said they believe my account may be involved in suspicious activity but they were not certain. I had explained the recent charges but they did not care and the customer service decided to initiate a very lousy response. They had also stated they will hold my PayPal balance for 180 days with no reason as to why. My email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
About 8 months ago XXXX XXXX  credit cards issued by BJs were taken over by Capital One. We paid XXXX {$900.00} ( which included {$700.00} plus recent charges ). 
We have spent the past XXXX  months trying to get credit for our payment. After XXXX attempts and numerous investigations by Capital One, we received a letter, dated XX/XX/2023 that the account had been credited. We have now received a letter dated XX/XX/2023 that we still owe the {$700.00}. We are attaching some of the supporting documentation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-24
Company: WHEELS FINANCIAL GROUP, LLC.
State: WA
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:
Misleading information on title loans. Predatory Loans provided in a state " WA '' that has laws that prohibited 800loanmart terms and interest percentage caps. Reported a different larger amount barrowed and loan month terms to credit bureaus at 36 months. When. Was told it was 30 day loan. Disputed with credit bureau 's and was awarded it to be closed and removed. Then they reopened it and reported it to the credit bureau 's That I made payment. And it was delinquent or late and owed {$20000.00} plus to the credit report. Shortly after closing account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, INC.
State: NC
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 found an inquiry on my current credit report that I did not authorize and have no knowledge of submitting. 

Creditor Name : XXXX Type of Business : Not Listed Date of inquiry : XX/XX/2022 Credit Bureau : Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: T.S. Holdings
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX I received an alert on my credit report showing delinquent accounts that had been given to a collection agency. This had happened to me previously, 2 years prior and similarly, I had no knowledge or consent given regarding the accounts and with deeper inquiry had found inaccurate addresses listed in my personal info on my credit report as well. The accounts were quickly verified as fraud and I had my credit report updated to remove the incorrect Georgia addresses as well as a fraud alert statement added and then my credit frozen with all 3 bureaus ; this was completed in XXXX and neither the alert nor credit freezes had been removed when I received notice of these new " delinquent accounts '' in XXXX of this year. 

I reached out to the collection agency, IQ Data International using the information listed on my credit report and was told that they would mail me a fraud packet regarding the fraudulent activity from XXXX XXXX XXXX ( GA ). When I hadn't received this packet within the week, I called back for an update and was told it had already been sent, but since I had been told by their agents that I would only have 10 days to dispute the charges, I requested a second packet be sent. In the meantime, I sent my own packet to the collection agency with my ID Theft Report, a notice to furnishers, and my government issued ID on XX/XX/XXXX. I received from them 3 days later a letter informing me of the debt they were holding me accountable for, and at that time I mailed them back their requested copy of a police report, proof of residency ( I have never lived in GA and have been at my current residence for XXXX years ), and my government ID. 

On XX/XX/XXXX I received the initial packet back in the mail as undeliverable, so I called the collection agency to check for updates. They confirmed they had received my response to their letter and said they had reached out to the supervisor at the apartment complex. I have been unable to find valid information online for the apartment company listed as the initial account, and the number I did find was someone's personal phone line ( they hung up on me when I asked questions ). I asked the IQ Data agent if they were able to also give me the address for the complex so that I could send them notice of my identity theft and they quite aggressively told me they would not do that and that I could wait a week and call them back to see what they decided and then they ended the call. I called back immediately and asked an agent for a good mailing address to send in additional documentation ( the packet that had previously been returned as undeliverable ) and was given an email address that I used to send over that initial packet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # XXXX, has violated my right. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: EQUIFAX, INC.
State: GA
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  XXXX XXXX XXXX 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 consumer reporting agency can not furnish a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This just proves that 3 Credit Bureaus are lack of proper record keeping. Now, these accounts are reporting to be late, yet it is closed. Lets correct this immediately. The Bureaus are required to verify for themselves but I will go ahead and remind you that these accounts were paid, closed, and no longer active and should have reflected the status of paid as agreed. Provide documentation that the Bureaus have not abrogated my rights by reporting false information, otherwise remove this account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: WELLS FARGO & COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I called Wells Fargo on XX/XX/XXXX to make a credit card payment before my due date using the company 's phone/IVR system . The phone system indicated that my payment was processed, Wells Fargo sent me a letter confirming my transaction and Wells Fargo updated my credit card account online showing that my balance had been paid. 

I noticed a few days later that my payment had not been pulled from my XXXX account. I proactively called Wells Fargo on XX/XX/XXXX to ask why they had not taken my payment. Wells Fargo indicated that my payment failed due to a lack of funds. I did a bridge phone call with XXXX and Wells Fargo and my XXXX agent confirmed to the Wells Fargo agent that my funds were available the entire time. The Wells Fargo agent requested my bank account info again and proceeded to process the payment again. I was again provided a letter dated XX/XX/XXXX that my payment transaction was processed. 

On XX/XX/XXXX, I noticed that Wells Fargo still had not pulled my payment from my XXXX account. I again proactively called Wells Fargo and the banker indicated on a recorded line that the XX/XX/XXXX payment attempt had not gone through because the prior Wells Fargo baker had missed a digit in my bank account number. I gave this banker my XXXX account info again and that banker processed my payment. I received another letter from Wells Fargo dated XX/XX/XXXX that my payment had been processed. 

At no point during this process did Wells Fargo communicate to me that my payments had not been processed successfully or on time. In fact, via written letter and via WellFargos website they indicated to me that my payment had been paid on time. 

Wells Fargo has assessed an interest charge of {$560.00} to our account. I have filed a formal complaint with the Executive Office of Wells Fargo and they have closed the complaint and left me with this interest charge even though Wells Fargo themselves failed to process the payment correctly. 

I would like the interest charge of {$560.00} to be credited to me. I proactively attempted to make my payment before its due date, I proactively followed up with Wells Fargo to make sure they received my payment on multiple occasions and I had XXXX confirm that funds were available.

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 2023-08-22
Company: ALLY FINANCIAL INC.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I bought a XXXX XXXX XXXX XXXX in XX/XX/XXXX and it was financed through Ally Auto. Ally had previously financed a truck for my in XXXX, the loan was closed out and in good standing, so when I try to make my new online profile it keeps stating that I have an account. Whenever I try to recover my account, it gives me an error code as seen in the screen shots that are attacked. I have contacted Ally Auto 's customer service for online account XXXX and again on XXXX regarding this issue since I can not log in to pay my loan. I was told that it would be 3-5 business days and my account would be reset on both prior phone calls. I contacted Ally again on XXXX to inform them that the account is still locked, the representative informed me that the ticket # XXXX was lost or looked over and would have to create a new ticket. This would prolong the issue about 3-5 business days, when asked to speak to a supervisor who could escalate the issue I was told " The account is past due, we can not let you speak to a supervisor here so we have to send you to collections and let them handle the issue. '' When talking with collections, they have no control over the online account and the cycle repeats, going back and forth between the departments. The issue is that they are wanting me to pay through a third party and pay " convenience fees '' in order to make the account current whenever the issue has been on their side since the loan was due on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: CNG FINANCIAL CORPORATION
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
AFTER A FUDGED BEGINING, AFTER I TOLD THEM I DID NOT WANT IT, AT TWO OFFICES, XXXX XXXX AND XXXX XXXX XXXX WITH A PHYSICAL NOTE TO THE FOND XXXX XXXX OFFICE ( BUT ORIGINATION WAS A XXXX XXXX I FIGURED MAYBE THEY WOULD PAY ATTENTION TO ME ) THAT I DONT WANT THEIR LOAN ONLY AFTER THAT THEY SAID THEY SENT A CHECK IN THE MAIL. 

RIGHT AWAY I SAID THAT IS LIKE THROWING ITIN THE AIR SINCE MY EX AND A WOMAN GO INTO MY MAIL BOX THAT IS 1/4 MILE FROM MY HOME AND WITH A HILL INBETWEEN SO I CANT SEE WANT IS IN THE MAIL BOX. I NEVER GOT IT. SO I TOLD THEM THEY NEED TO SEE IF AND WHERE THE CHECK WAS CASHED. I ALSO GAVE THEM A NOTE ON THAT. 

I SWEAR I NEVER RECEIVED IT. i NEVER GOT A RESPONSE IF THEY FOUND OUT ABOUT THE CHECK!!! YET THEY ARE CHARGING ME HIGH INTEREST AND NOW MAJOR THREATS TO MY ASSETS. IT IS LUDICROUS THEY ARE DOING THIS. PLEASE TELL THEM THEY MUST FIND THE COPY OF THE CASHED CHECK TO SEE WHO CASHED IT!! THEY ARE RUINING MY CREDIT NOW WHEN I AM ABOUT TO REFINANCE MY HOME!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
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: Account status incorrect

Complaint:
Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was sent an escrow refund check for XXXX USD in XXXX, apparently. It was sent to my old home address where I was living through XX/XX/XXXX. 

It didnt arrive. 

On XX/XX/XXXX I called and they resent it, this time to my new address. 

On XX/XX/XXXX it still hadnt arrived. I called back and was told it would be overnighted to me by courier. 

It wasnt. 

On XX/XX/XXXX I called and asked where the check was. I was told to wait another day. 

On XX/XX/XXXX I called and was told well they disconnected me mid conversation. 

I dont have the time to keep calling them. They owe me {$2500.00}. 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