BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am reaching out to address the credit reporting discrepancies involving Experian on my consumer file. Despite multiple attempts to resolve these matters directly with Experian, they have not adhered to the CDIA and FCRA guidelines. Experian has inaccurately labeled various accounts as delinquent, despite my consistent and timely payments. Moreover, they have neglected to update my file with positive account information, resulting in an inaccurate portrayal of my creditworthiness. I kindly seek your assistance in ensuring that Experian adheres to the necessary consumer reporting laws and regulations.

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 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
ftc violation accounts showing up on my credit that I have no knowledge of XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXX I took out a loan for {$2500.00} from Cash Central while in need of cash for a life threatening emergency. ( if it were less than {$2500.00} this would not be legal from my research ) At the time, I was a resident of XXXX XXXX but living in XXXX ( I provided them my XXXX license ). 

Cash Central is licensed to make installment loans, however I can not find a copy of a license to operate out of XXXX until XX/XX/XXXX. When the loan was made XX/XX/XXXX, they were licensed to make loans out of XXXX ( but not XXXX ). 

The 180 % interest loan was paid on time until I fell into another financial hardship. I was advised to reach out to the XXXX XXXX XXXX to help bring down the loan which they did. We had agreed to a settlement for 2 payments of {$400.00}. One payment was to be taken out of my account and I would be mailing the other payment before XX/XX/XXXX ( which I mailed and have documented ). The final check was never cashed by Cash Central, which I did not know until a later date. 

My loan was then sold to XXXX XXXX XXXX who greatly impacted and destroyed my credit. I have lost job offers as well as housing offers due to this unethical and predatory loan. I should have been paid to date and account closed. After numerous attempts to try and rectify this issue, Cash Central has not returned phone calls or emails. I then went ahead and reopened the case with XXXX   but Cash Central has stated " Due to the sale of XXXX XXXX debt, Cash Central does not have the authority to collect on this debt, and has not attempted to since the date of sale. He may address further questions regarding this account to XXXX at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX '' On XX/XX/XXXX I was notified ( by XXXX ) that records showed I made ZERO payments which is inaccurate as bank statements will show. My credit report also has 2 conflicting charge offs ( one cash central and the other 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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-06
Company: Braviant Holdings, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company is claiming to be " XXXX XXXX XXXX '' and calls from a XXXX and leaves a call back number of XXXX. It is a recorded message from a XXXX XXXX. They claim they are trying to collect on my Balance credit account, which I am paying another company on. They tell me the other company has no right to collect that account and they are a legal company and they won't send me a notice of debt as they are not a debt collector, but they'd be happy to make payment arrangements on this debt. They have called me and my family numerous times and told them they are going to sue me and I'm going to be served at work with my manager present. I have called Balance credit and they have told me the company I am currently paying is the correct company. I have asked the " XXXX XXXX XXXX '' to stop calling me and my family but they continue to call. The lady today was extremely rude and told me she'd see me in court when I asked her to stop calling and again told her another company was taking care of this matter. I offered her their phone number and she refused. They call me daily and leave me the same recorded message.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX my card was set up on autopsy my ending balance was XXXX $ I had an autopay set up for the amount of XXXX In order to change that amount I had to delete it and change the amount On that transaction it was a simple overlook. The amount of XXXX $ was my payoff During this time I had lost my mother and my family and I were grieving. 
My account had excellent standing. I never been late on a payment. I had not made that last payment of XXXX $ My account was never notified with a late payment and I had that set up to notify me. The account went into late fees and now I owe XXXX I contacted the credit card company and their understanding was clear forgive me for the late fees. Now my credit report has a negative impact on my score. I have worked very hard to keep my debt in good standing. The credit report is showing that late payment. Which was cleared up and paid. This one-time hit has cost me my credit report to show this negative impact. I would like to have this looked into. Someone who has nothing should not be a victim of shame on their credit report because this credit card company negligence on sending notices or having a good status on contacting this issue. The cost of XXXX has hurt my personal credit. I have good faith and that means something to me.

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 2023-10-24
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/ Wells Fargo mailed my husband and I a letter. We received in on XX/XX/XXXX. In it they said they were closing our two checking accounts. They gave no reason why, so on the same day we called the number that was listed at the bottom of the letter. The representative refused to give us a reason that the accounts were closed. He said that the bank was not obligated to tell us the reason. That was the end of the discussion. 

We know that accounts are typically closed if they are rarely used, if there have been a number of overdrafts, if something suspicious seems to be going on, or if there has been fraud. None of those pertains to us. That's why we are stumped. 

Please help us find out why they have closed the accounts. Perhaps they can reverse their decision

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 2020-08-09
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AD Astra Recovery Serviceshas reported a collection account to my credit file with the credit bureaus.AD Astra Recovery Services has never sent me a notice of collection to notify me of any alleged debt. Therefore, attemptingto collect and report this debt to the credit bureausis a violation of the FDCPA. Thisdebt is not valid thus AD Astra has no legal right to report this to my credit and attempt to collect a debt.I never authorized any debt in the amount that AD Astra is reporting. By reporting a debt to my credit Ad Astra Recovery is in violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I hope this letter finds you well. I am writing to address a matter of utmost importance regarding an account with your company, which has been included in my recent bankruptcy proceedings. Despite numerous attempts to have this account correctly marked as " included in bankruptcy '' and removed from my credit report, I continue to face challenges in resolving this issue. 

The account in question is associated with the following details : XXXX XXXX Balance Owed : {$0.00} and this account was among those listed as part of the bankruptcy filing. According to bankruptcy laws and regulations, accounts included in bankruptcy should be accurately reflected on my credit report with the appropriate notation. 

My attempts to rectify this situation have been extensive, including multiple letters, emails, and phone calls to your company 's customer service department. However, despite my efforts, the account continues to be reported as active and unpaid on my credit report, negatively impacting my credit score and financial stability. 

I want to emphasize the importance of resolving this issue promptly. As I work to rebuild my financial health after bankruptcy, having this account incorrectly listed as active severely hinders my progress. I am requesting the following actions to rectify this situation : I kindly request that you promptly update the status of the account associated with XXXX to accurately reflect that it was included in my bankruptcy filing. This notation should be reported to all major credit bureaus. 

Please take the necessary steps to ensure that the corrected information is reflected on my credit report as soon as possible. I understand that this process may take some time, but I request your assurance that it will be resolved accurately and expeditiously. 

Upon completion of the necessary corrections, please provide written confirmation that the account has been accurately marked as " included in bankruptcy '' and that this information has been conveyed to the credit reporting agencies. 

I believe that by resolving this matter promptly and accurately, we can ensure that my credit report reflects my financial status correctly and helps me rebuild my credit post-bankruptcy. Failure to address this issue may result in legal actions, as inaccurate credit reporting can have serious consequences. Please help me remove this account : XXXX XXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: EQUIFAX, INC.
State: PA
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: FL
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 2023-09-15
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: Public record information inaccurate

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-10-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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 appreciate your taking the time to DELETE some of the unauthorized inquiries in my credit file ; however, there are still many inquiries that need to be DELETED. The credit bureaus must verify these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed inquiries 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: General Motors Financial Company, Inc.
State: MI
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 leased a car through GM financial. I set up auto pay like I have done in the past previously to " set it and forget it '' and not have to worry about payments during the lease. It worked perfectly until the very last payment on the lease. I must have missed the fine print that said that the last payment could not be made automatically. So despite having the money in my account the auto payment system did not perform the last payment. GM financial says they reached out to me to inform me of the late payment, however the emails they sent were classified as spam so got sent to a spam folder and the phone calls were sent from non caller ID numbers. I would answer the phone calls say hello and recieve no response on the other end so I assumed it was a robo spam call and hung up. So I was never informed of this missing payment until I went to go turn the car in or buy it out at the dealership weeks later. I paid the last payment in full as soon as I was made aware. I have tried calling into gm financial support about the issue already 3 times and got different explanations each time. I am hoping this 30 day late payment on my report can be overturned as I feel it is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2021 TD Bank in XXXX XXXX fraudulently opened a checking account under my name ; as well as two savings account. The accounts have been closed but the corporation is lying trying to say I opened the accounts. I went into a TD to see how the savings accounts where opened and the teller tried to say I had to scan a XXXX check like you receive to deposit in the atm for a new account and I said she was not being honest and got my ids bank and left. There is also a fraudulent charge from XXXX for XXXX that should only be XXXX with a tip-off XXXX dollars added later. And on XX/XX/2021 there is a fraudulent charge of XXXX for checking the ATM at was a on XXXX XXXX XXXX in XXXX Pa but it was checked at the TD at XXXX XXXX and XXXX XXXX. This is like five different issues with this bank in the last week and it needs to be thoroughly investigated by the federal government by pulling their it accounts and security footages. The bank in XXXX  was near XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX 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 non-monetary relief