BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-03
Company: CCS Financial Services, Inc.
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have moved out of XXXX  state to XXXX state at XX/XX/2020 then canceled my XXXX  auto insurance policy then immediately returned XXXX license plate back to XXXX and I got my new XXXX  auto policy at XX/XX/2020, So my vehicle been covered by another policy that belongs to XXXX  agent. 

Then they have sent me a mail that shows a threat statement of damage my credit if I didn't pay a false amount of {$160.00}, I've tried to contact them but their XXXX agent have disrespectfully put me on hold for long time twice then hang-up on me. 

Eventually They've damaged My Credit-Score and sold my Info ( SSN, NAME, DOB & ADDRESS ) to a Credit-Collection for a statement XX/XX/2020 while my vehicle is covered by different auto insurance company since I've moved out of XXXX and registered my vehicle to XXXX at the beginning of XX/XX/2020. 

So they've damaged my credit for {$160.00} an amount that I don't owe to them, the sad part is how easy for auto Insurance companies in USA to destroy someone's credit, sell their customer 's nonpublic information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX journey started 6 month ago when I pulled my credit report from all three credit bureau and seem the inaccurate information on my file. Then I begin to hand write letters regarding the inaccuracy in my credit reporting. Specifically as it related to charge off and provide me with copies of any documentation associated with these account, bearing my signature. In the absence of any such documentation bearing my signature. I formally requested that this information be immediately delated from the credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: AXOS FINANCIAL, INC.
State: AR
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
AXOS BANK will not issue a payoff. The payoff was requested on XX/XX/XXXX. Today is XX/XX/XXXX ( 13 business days later ) and we still do not have the payoff. They stated 10 business days to produce the payoff but now we've had to extend the rate lock on our loan, which is costing money along with each day we do not close. To make matters even worse is there is NO avenue of obtaining a payoff online logging into the Axos account online. Calls have been made to their servicing department with no return call and never able to speak to anyone. Emails have been sent to Axos Bank 's wholesale contacts and they claim to have no ability to obtain a payoff or contact anyone in the servicing department. We were supposed to close LAST Monday on XX/XX/XXXX. This is criminal that a servicing department can with no accountability hold payoffs, have no online ability to produce one, or can wait 10 business days ( or longer like this ) to produce a payoff. There should be penalties on servicing companies outside of 48 hours of not getting a payoff when one is not available online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXXXXXX {$2800.00} XXXX XXXX XXXX {$2800.00} 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 explanation
Consumer complaint received 2019-02-14
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: Account information incorrect

Complaint:
Telephone payment made via XXXX Telephone Payment System. I assumed the payment had been posted as I received a confirmation number from the automated Telephone system. The system did not post the payment at the time payment made. I discovered this error made by XXXX payment system and notified XXXX XXXX. I stated fanatically the fact that the payment had been made via there telephone system. They declined to investigate the possibility the system made an error or an occurred at the time the payment was made. The telephone system provided by XXXX XXXX to consumers allowing the processing of payments is not infallible. XXXX to date has not made any attempts to asst me in reporting accurate information on my credit profile. The account has always been current and is current now ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions 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:
On XX/XX/23 i looked at my consumer report and was immediately frustrated with the 15. U.S.C 1681n willful non compliance to my disputes and complaints, I have submitted to CFPB, XXXX, XXXX XXXX Experian. XXXX, Experian & XXXX STOLE my information committing FRAUD by reporting such hernias things on my credit profile. This has cause me great stress. I demand these items be removed from my credit profile immediately or I will seek litigation and 15 U.S.C. 1692k Civicl Liability for EACH violation. I have not given XXXX, Experian or XXXX permission to disclose ANY information per 15 U.S.C 6802 on my credit report. Under 15 .U.S.C 1681 ( i ) states ALL reported information HAS to BE 100 % accurate.

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 2021-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
The Credit Bureau has failed to remove my disputed items. They have not sent proof of Validation for any of the following Disputed Items. 

The 1st Dispute letters were sent out on XX/XX/XXXX, This letter asked for any copies of documents that they have that verifies the accuracy of the accounts. These letters were sent to TransUnion, XXXX, and XXXX. They failed to send any proof of validation of the debt. The Second letters were sent out on XX/XX/XXXX. The third was sent on XX/XX/XXXX. No proof was every mail to me, the only item mailed to me was a bill sent from XXXX XXXX XXXX. 

After looking at the Fair Debt Collection Act, I have found many violations that the Credit Bureau is allowing to happen. I have sent these violations to each Bureau with an attached Invoice for their lack of protecting the consumer right.

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 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
XXXX XXXX XXXX journey started 6 month ago when I pulled my credit report from all three credit bureau and seem the inaccurate information on my file. Then I begin to hand write letters regarding the inaccuracy in my credit reporting. Specifically as it related to charge off and provide me with copies of any documentation associated with these account, bearing my signature. In the absence of any such documentation bearing my signature. I formally requested that this information be immediately delated from the credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: VA
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:
See document attached

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 2022-08-18
Company: ZuntaFi Corp
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: Account status incorrect

Complaint:
My correct contact information to advise me of payment amount, payment due date, and name of company to pay was incorrect when the account was opened and the original contact information on my account belongs to someone else. I only found about these errors when 30 day and 60 day late payments showed up on my credit report. I called the merchant listed on my credit report and advised them to correct my contact information and told them to remove the late payments after I brought my account current. They can not report me as late paying when they never contacted me to give me the information to make payments.

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 2020-09-29
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: Information belongs to someone else

Complaint:
XXXX  and XXXX credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine. 
XXXX XXXX is fraudulent on my credit Account # XXXX XXXXXXXX XXXX XXXXXXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX Inquiry from US SM BUS ADMIN ODA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/XXXX,, Continuing,, Conversation,, Been Requesting Unlimited Overdraft Protection On My Bank Card For Quite A Min,, Back In Year ( XXXX ) Thru ( XXXX ),, Never Receive It I Only Receive Limited OverDraft Protection On My Bank Card,, This May Be A Very Important Issue!!

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 2023-09-06
Company: Experian Information Solutions Inc.
State: PA
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:
PLEASE REMOVE THE ATTACHED COLLECTIONS EFFORTS.

I AM CURRENT ON ALL SUPPORT PAYMENTS ; THERE ARE NO COLLECTIONS AMOUNTS DUE OR OWED. PLEASE REMOVE COLLECTION NOTE/SECTION FROM MY CREDIT REPORT. SSN 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 2023-10-20
Company: Experian Information Solutions Inc.
State: TX
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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX is collecting a debt for the original creditor XXXX. I will be filing a complaint against XXXX as well. XXXX has sent a debt into collection that I do not owe for equipment they said was never returned. The equipment was indeed returned and some equipment was never sent. I used my own phones that was paid for. I have asked XXXX for the tracking numbers to help with my dispute and they refuse to give me that information. So Im being charged for items I do not have. Not only was the equipment I did received returned, XXXX refunded me multiple credits for my inconvenience and provided me my account number to transfer my service. My new service provided even offered to pay XXXX for me to transfer. I talked to someone from XXXX a week ago and they said they could remove up to {$2000.00} from my account then transferred me over to another department giving me the run around. XXXX XXXX  failed multiple times in investigating this dispute nor did they contact me before placing this account in collections. They failed to provided me with the letter they sent nor did I receive a letter. It has been over 30 days since Ive ask for the information. I did not sign a contract with XXXX XXXX XXXX. They are illegally trying to collect money from that I do not owe.

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 2023-04-19
Company: EQUIFAX, INC.
State: AL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : 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. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

2. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

3. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

5. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

Please remove it from my credit report. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX  and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine. 
XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXXXXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX Inquiry from US SM BUS ADMIN ODA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Automatic Data Processing, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2019 there were a total of 6 transactions made totaling over {$950.00}. I called ADP immediately after realizing my card had been compromised. They made notes in the computer and never closed the card or connected me to the dispute department which is where I get my money back. By the card not being locked additional transactions were made and the PRE PAID account is now over drafted. I have been on hold all day for hours at a time and while Im waiting to speak with a representative from the dispute department the call disconnects on its own. I can not afford to lose {$1000.00}. My rent is due and no one seems to care about being evicted because I trusted this financial institution with my money!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing this request that I have been a victim of identity theft and 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. 

Kindly eliminate the accompanying records as they are false and were opened without my assent or information.

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 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was trying to have a credit card but when they Check my credit they told that my information is wrong that doesnt match with the one they have on sistem. I received a letter from TransUnion to verify my info as is all wrong

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 2023-04-19
Company: SANTANDER HOLDINGS USA, INC.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
When calling customer service anout a {$300.00} payment made on XX/XX/XXXX, the company refused to srnd me a fax number or an address to forward my bank transaction statement showing the money sent and not returned to XXXX for {$300.00}. The customer service rep refused to email any address, email, or fax number for the bank statement to be sent to showing {$300.00} was paid to Santander and not sent back to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: LA
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 strongly desire not to have this on my credit report. It is not belong to me. It 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