BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My phone is XXXX ( carrier is XXXX  ) However this phone # has somehow become ( incorrectly ) associated with a gentleman named XXXX XXXX XXXX, XXXX or XXXX XXXX XXXX, ( it may also be associated with XXXX XXXX XXXX, XXXX, his son ). 

XXXX XXXX XXXX, XXXX 's phone # is XXXX XXXX XXXX XXXX. I have spoken to him and he says that my number should NOT be associated with him. 

After much effort, I found my number linked to Mr XXXX on the website XXXX XXXX @ XXXX XXXX XXXX I contacted XXXX XXXX @ XXXX XXXX XXXX ( XXXX ) and was told they receive their public records information from TransUnion. 

Repeated efforts to reach someone at TransUnion have failed and I have left them numerous messages but have heard nothing. 

I want ALL credit reporting agencies - TransUnion, XXXX, XXXX, XXXX, etc. to remove my phone # from being linked to anyones records other than my own.

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 2017-01-31
Company: WELLS FARGO & COMPANY
State: NH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had cosigned on an auto loan for my son in XX/XX/2016. XX/XX/XXXX we went through the process of him getting refinanced through his credit union. WFDS provided the 10day payoff and received the check for full amount on XX/XX/2016. They even sent me back a check for {$50.00} for over-payment. Since XX/XX/XXXX, XXXX has reported to all XXXX credit bureaus in my name that this account is not only still open, but that it is XXXX past due. This has caused my credit score to decrease over XXXX and counting. Noone can help me, not even the Office of the President.. there is no balance due and noone at WFDS seems to know why this is being reported and are completely disinterested in helping me. This is causing me irreparable harm at this point, preventing me from getting my own car financed. I have called everyday, faxed statements and please, dealt with the Credit Bureau Resolution Unit, disputed with all XXXX credit bureaus, etc and WFDS is doing absolutely nothing to correct their mistake ... at the cost of my hard earned credit.

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 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Re : Account XXXX XXXX # XXXX I have filed a dispute on this account on XX/XX/2023. This is a repossession and is reporting incorrectly. The bureau has failed to respond and comply with my dispute within the 30 days which is grounds for removal under 15 USC Sec 1681. This account is reporting inaccurately and is hurting my ability to obtain credit.

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 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
There are recent credit inquiries that I did not authorize XXXX XXXX - 2 times in one day. This is not correct. 

I am not sure what these 2 companies are but I have not filled out any applications for an apartment nor am I looking for an apartment. I live in XXXX Ohio not wherever these came from 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 2023-05-01
Company: Experian Information Solutions 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:
On XX/XX/2023 I filed a complaint with the CFPB, and the status shows Open and the notice was sent to the company. It does not indicate in the column, companies response is in progress as of the date received and working on it. I then received in the mail on XX/XX/2023 a updated report from Experian with no Method of Verification and my personal identifying information remains the same even though I've sent them proof of who I am and of my only residence. Still, it is NOT corrected. They have all old addresses and old phone numbers still being listed on my credit report. I've also sent Experian three different notices that I've received on my personal information that is being used on the dark web and has been compromised. This is INDEED a hindrance to my creditability and a big DISTRESS to me on a daily basis. I have attached the updated UNVERIFIED credit report that Experian has provided 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 explanation
Consumer complaint received 2020-12-16
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: TX
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:
Re : Account XXXX XXXX # XXXX I have filed a dispute on this account on XX/XX/2023. This is a repossession and is reporting incorrectly. The bureau has failed to respond and comply with my dispute within the 30 days which is grounds for removal under 15 USC Sec 1681. This account is reporting inaccurately and is hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2012 I had XXXX testing done at XXXX XXXX XXXX  XXXX XXXX. I was overcharged a copay of {$340.00} which should of only been {$40.00} and I asked for the charge to be disputed with Navy Federal. They said that they investigated it and found nothing wrong and did not refund me the money. They told me when I had a refund receipt from that XXXX XXXX XXXX XXXX XXXX they would refund it which is absolutely ridiculous. Since then ive been going around and around with the XXXX  XXXX XXXX XXXXXXXX XXXX who agrees I overpaid but is not refunding my money. They make several excuses as to why its been months and they have not refunded the overpayment. They have sent me two different bills that do not even reflect the payment of {$340.00} in which I attached for you to view. I have reopened the same dispute with my Navy Federal, submitting evidence and they do nothing and close the dispute again. I do not understand why my credit card purchase it not protected by the bank. Please note that on this same day at this same business the allergy technician got into my purse and stole my card numbers and started charging my debit and credit cards in which the bank did help stop those transactions but does nothing about the overpayment/overcharge. This company, XXXX XXXX XXXX XXXXXXXX XXXX also fraudulently charged my insurance company for XX/XX/XXXX and XX/XX/XXXX when I wasn't even there.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-01
Company: Experian Information Solutions 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:
I believe I was subject to identity theft. There are fraudulent accounts on my report that I do not recognize. They are listed below. Please have these removed ASAP as they do not belong to me. Account # : XXXX XXXX XXXX Account # : 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 2022-11-07
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
An electronics funds transfer company called XXXX, has charged me {$200.00} after I tried to send {$20.00} to a friend XXXX. 

This company works by letting you put in the amount you wish to send and then hit button which sends the money. However this company does not ask you to 'verify ' or " are you sure '' this is what you want to send. As soon as you hit send the transfer is made and there is no way to see what you sent and no way to reverse or correct the charge once the screen says you sent something else. This is what has happened with my transaction but things get rocky from here. 

XXXX now only works with bank accounts because some banks will authorize a funds transfer without question, whereas a credit card company or other financial institutions will not. In my bank, truist, I only had about {$53.00} in the account, so my question to the bank is, why would you allow for over {$200.00} to be debited? I was told it is the decision of the bank manager or people in a particular branch as to whether or not they will allow such a debt. 

I called both XXXX  and truist within 20 mins of receiving a message that I had sent {$200.00}. XXXX 's response it to say that policy does not allow for mistakes on the part of the sender and once the money is sent there is nothing to be done- this is scam number one. Truist stated that after a week had passed they would begin an investigation to see what if anything could be done. 
I received a letter today, XXXX, from Truist letting me know that my money was gone because having contacted XXXX, they were told that I did indeed make the transfer and despite not having the money to cover this transaction they could help no further. 

A bank should not have the right to choose if they will debt your account without first checking to see if the money is available as they do in almost every other instance. XXXX probably has many complaints from customers that have made mistakes and find out there is no recourse. The bank has to be the responsible ones to deny any such request and protect their customers. If funds are not available and they then debt an account in any amount, the burden of the cost should fall upon the bank. 

I have used XXXX  for the past 2 years and I am very careful when sending money. It seems unlikely that instead of typing {$20.00} that I type {$200.00} instead and I certainly at no time verified that amount. I only hope that this can be resolved and that an easy fix to this kind of problem can be implemented by both the bank and any funds transfer company doing business with the public.

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 2021-11-04
Company: TMX Finance LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2021 I went for a loan at title Max on baseline in XXXX to take a title loan out on my XXXX, then offered {$750.00} on a car that I paid {$20000.00} for. I made my first payment yesterday of {$110.00} and they are saying I still owe {$760.00} on the loan charging a rate of 179 % apr and 14 % monthly interest. This way I would end up paying them {$2800.00} on a {$750.00} loan over a period of 23 months. This is predatory lending! I would never get it paid off this way they arent applying the money Im paying towards the principal, only to the interest which they are charging, which is more than the Arizona law states they are allowed to charge

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 am a XXXXXXXX XXXX resident and the credit card company has raised the interest rate to over 31 % in the last couple of months. I've tried to discuss them lowering the rates but they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Bridgecrest Acceptance Corporation
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Throughout the time frame of XX/XX/2022 to the present day, the company, BRIDGECREST has repeatedly contacted me claiming that I owe a debt under BRIDGECREST. I have disputed several times and allowed BRIDGCREST appropriate time to show evidence of contractual obligation between the debtor and BRIDGECREST. 

I have reason to believe your accounts to be invalid because the original contract has an addition to the agreement with the following items : ( 1 ) The intent of the agreement is that the original party who funded the alleged loan per the bookkeeping entries is to be repaid the money.

( 2 ) The bank or financial institution involved in the alleged loan will follow G.A.A.P.

( 3 ) The lender or financial institution involved in the alleged loan will purchase the promissory note from the borrower.

( 4 ) The borrower does not provide any money, money equivalent, credit, funds or capital or thing of value that a bank or financial institution will use to give value to a check or similar instrument.

( 5 ) The borrower is to repay the loan in the same species of money or credit that the bank or financial institution used to fund the loan per GAAP, thus ending all interest and liens.

( 6 ) The written agreement gives full disclosure of all material facts.

Furthermore, nowhere in the documents sent is BRIDGECREST listed as a party with any interest nor was there any trilateral contract signed between the alleged debtor, BRIDGECREST, and XXXX XXXX. 

In the case that BRIDGECREST purchased and/or received the original contract from XXXX then : 1 ) Proof and evidence directly from the original creditor that I consented and gave permission for the sell of the contract.

2 ) Proof and evidence of a new contract between the alleged debtor and the new creditor showing the agreement to pay the new contract in the event that the original contract was sold and bought.

3 ) Proof and evidence from the original contract that gives trustees and third parties access to the debtors personal private information to included the account number to the debtors XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: Kikoff Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Kikoffis reporting late payments on account that I should not have. XX/XX/2021 Open the {$500.00} installment loan with Kikoff. To which I paid all my payments on time for the next two years. 

Unbeknownst to me, Kikoff switched my account from a {$500.00} loan to a {$750.00} loan without my consent. Kikoff never provided me with any option to opt in or out, but instead forced me into the new contract terms. See the attached screenshot of my account and look how the amounts changed from {$500.00} to {$750.00}. Kikoff will not be able to show my consent. 

As a result, I eventually received the bogus late payments without the required 21 day notice being mailed to me. 

Kikoff has been evasive in addressing the change of the {$500.00} to {$750.00} loan and the fact they didnt have my consent for the change. 

Its important to know that the change ultimately caused the late payments. Which should have never been made because I had completed the terms of my ORIGINAL CONTRACT! 

Due to the inaccurate late payments reporting on my credit report, my XXXX score dropped XXXX points in one month. Thus destroying my credit worthiness! 

Kikoff is a terrible company that prays on people trying to get their credit in good standing while using it to profit off the poor credit score people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: NC
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 OTHER 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 items 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 items : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: BARCLAYS BANK DELAWARE
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: Reporting company used your report improperly

Complaint:
I reviewed my Consumer Reports and noticed that I had a late payment on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for Barclays XXXX XXXX Please investigate and provide proof with statements showing that the payment was late. According to 15 U.S. Code S 1681e- Compliance Procedures, it it illegal to report inaccurate information. if proof can not be provided, I demand thus payment be updated to on time as they should be as I was NEVER Late. Thanks,

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 2023-05-23
Company: Dynamic Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On Thursday XX/XX/18. I received a notification from my XXXX credit report that there was a collection filed against me by dynamic recovery solutions for the amount of {$800.00}. I have no knowledge of the debt nor have I received any paperwork stating owed the debt prior to the collection being posted on my credit report. I had reached out to dynamic recovery solutions in an attempt to verify what the debt was for. The company was supposed to get back to me 48 hours later with proof of the debt. However, I have not seen any communication on the debt. They did not produce the documents to support that I had owed the debt.

Company response to consumer: Closed with explanation