BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-22
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
I'm not sure how but I believe someone has been trying to use my identity to apply for new credit lines. I reached out to SYNCB to get the inquire removed but, they haven't resolved the matter.

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 2018-11-13
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
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:
XXXX has been non-compliant with removing the unverified account CREDIT ACCEPTANCE CO which has been deleted by XXXX and XXXX. XXXX   and XXXX have both completed their research and determined that CREDIT ACCEPTANCE CO was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2021-09-09
Company: WELLS FARGO & COMPANY
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX Contacted XXXX Reported fraudulent Web site XXXX Reported Fraudulent Business operating illegibly to XXXX XXXX XXXX Contacted Bank to dispute over XXXX in withdrawal of funds They only had a phone number - no other information XXXX Contacted XXXX XXXX  XXXX ( company is in Illinois on paperwork ) NO evidence of amount owed or proof of debt Illegally filed in Arizona which violated FDCPA laws- State and Federal laws were violated as there is no Garnishment of Bank accounts allowed XXXX Contacted XXXX XXXX XXXX XXXX, AZ Superior Court Records Dates for case dated in XXXX  do not match case number on fictitious paperwork. 
NO such Judge or Clerk residing XXXX Contacted Superior Court Records department - Discussed inconstancy with dates in comparison to Case and paperwork Materials appear to be falsely used - Garnished Bank funds including Checking and Savings accounts Violated FDCPA laws- Violated the timeframe according to the Statute of limitations is deemed to have expired. 
The debt collector attempted to sue me on a debt where the statue of limitations expired- please have this dismissed!

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 2022-12-20
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:
I have disputed the collection account XXXX XXXX XXXX several times and this is the second attempted complaint in reference to this collection company and TransUnion credit Bureau. The original credit card company XXXX account was open XX/XX/XXXX, credit limit {$300.00} and was closed charged/written off XX/XX/XXXX. XXXX XXXX is reporting this closed account as open with a past due balance of {$750.00}. Incorrect reporting/inaccurate right? Again this has affected me adversely and as a consumer I'm held to a standard of practice why is the credit bureau and collection company are allow to disregard and or not be held accountable to the FCRA compliance. When notified of the error they reply with account verified.

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 2023-08-09
Company: EQUIFAX, INC.
State: PA
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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U, S. Cilde 1681e ( b ) and 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 


The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure I plan on seeking remedy for damages for each Federally protected consumer rights violations under USC 1692 and legal actions if this issue does not resolve.

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 2022-08-27
Company: Experian Information Solutions Inc.
State: TN
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:
Need to remove these accounts i've been sending letters in for the past 6 months.

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 2023-07-13
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2022, I fell victim to XXXX multi-layered scam operations run by impersonator XXXX XXXX and fake XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my BECU account to fraudulent investment firm ( XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Transunion is reporting inaccurate information on my report from a company name XXXX for a creditor XXXX XXXX XXXX. XXXX is reporting multiple accounts for the same account number and balance which is a direct violation of FCRA. Each XXXX account shows open XXXX XXXX same amount of {$210.00}. I've never been to this place so how do I owe this company.

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 2023-10-05
Company: MARINER FINANCE, LLC
State: NJ
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information Mariner Finance illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. 

Pursuant 15 USC 6802 they are required by law to give me 3 disclosures. I checked all documents given to me from Mariner Finance and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). 

( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I am requesting all above disclosures required by Federal. 

I demand that this account XXXX ( along with all transactions and experiences ) be deleted from my consumer report as a result of Mariner Finances illegal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Dividend Finance Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Acquired loan on XX/XX/22. Payment prior to statments XX/XX/22 {$100.00}, XX/XX/22 {$100.00}. Additional money sent XX/XX/22 statement {$14.00}, XX/XX/22 statement {$14.00}. All additional payments are being applied to the interest and not the principal. I contacted the company by email and a letter on XX/XX/22 stating all additional payments, dates that were to be applied to principal and asked for correction by next statement. No corrections have been made and they continue to apply all money sent to interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have federal student loans with Aidvantage. On XX/XX/2023, I submitted payment via my online account with Aidvantage to fulfill my monthly payment requirement. I received an email from Aidvantage on XX/XX/2023 confirming my payment was made. On XX/XX/2023, I received an email from Aidvantage stating my payment had been posted on my account. The funds were never withdrawn from my bank account. On XX/XX/2023, I logged into my Aidvantage account to inquire what was happening with my prior payment. My account shows there is a payment overdue despite both the email confirmations from Aidvantage that I made payment and my payment had posted to my account. In the " Payment History '' section of my account, it shows " Payment Reversal '' on XX/XX/2023. I never received any notice my payment had been reversed. I check multiple times that I entered my bank account information correctly and have confirmed the bank information I uploaded to my Aidvantage account is accurate. I attempted to contact Aidvantage on XX/XX/2023 and XX/XX/2023 to inquire what the issue was and why my payment did not post. I can not get through to anyone despite being on hold for hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is a continuation of Complaint File # XXXX. Equifax has now placed an extended fraud / identify theft alert on my file without my authorization. I never requested this action to be taken. The required identity theft reports were never submitted. Equifax notified XXXX XXXX and XXXX  and now they have placed the same alert on their files as well. I received the attached letter dated XX/XX/2018 which is a response to the above referenced complaint filed against Equifax. 

I am applying for a mortgage loan and according to my loan officer my Equifax credit file is blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have an account listed on my credit record as sent to collections for non-payment. This is incorrect for several reasons. The account was open in XX/XX/XXXX at the XXXX  college of XXXX two months after I opened the first loan in XX/XX/XXXX. The loan opened in XX/XX/XXXX, went into in school forbearance in XXXX, while the XX/XX/XXXX loan went supposedly into collections. I was never contacted by a debt collector to recover this amount of {$2700.00}. This is the only student loan that I am having an issue with even though it is not my oldest loan. I am currently in good standing with other loans. Ive contacted XXXX, XXXX XXXX XXXX, the federal student loan debt hotline, and everyone has stated that I am not nor have I ever been default on a student loan. When I disputed it, my credit file was updated to say I paid the account which is totally false I have not paid any student loans as I have recently completed my XXXX degree.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Monday, XX/XX/2023, a Wells Fargo agent called me to inform me of suspicious activities in my account. He explained that he needed to verify certain transactions, and we went through each of the ten transactions individually. During this review, we identified three unauthorized withdrawalstwo of {$500.00} each and one of {$200.00}, all from non-Wells Fargo ATMs. The total amount of these unauthorized transactions was {$1400.00}. The agent asked me to confirm if my debit card was in my possession, but upon checking, I realized that I had misplaced it. When I informed him of this, he asked if I had allowed anyone else to use my debit card, to which I replied in the negative. 

As a precaution, the agent decided to deactivate my card and arrange for a replacement. During our conversation, I mentioned that I had recently sold my XXXX and had forgotten to factory reset it, potentially leaving personal information on the device. The agent filed a claim regarding this issue and assured me that I would receive my new card within 5 to 7 days. Additionally, he mentioned that they would provide an update on the claim status within 10 days. 

However, on Friday, XX/XX/XXXX, after about 10 days had passed, I had not received any updates on the status of my claim. Consequently, I decided to call Wells Fargo to inquire about the situation. To my surprise, they informed me that my claim had been denied, as they believed the unauthorized transactions were either made by me or someone I had given permission to. I vehemently explained that I had not authorized these transactions and reiterated the circumstances : the sale of my phone and the loss of my debit card. Unfortunately, they maintained their stance, stating that there was nothing further they could do to assist 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 2023-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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:
On multiple occasions I was charged insuffiecient funds fees from the account that I'd like my money back for.

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 2022-12-20
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:
I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX ; XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX  XXXX Balance : {$18000.00} ; XXXX XX/XX/2021 2021

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 2022-12-20
Company: Bread Financial Holdings, Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I was buying some clothing staffs those Total price was {$600.00} at XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX NV XXXX By the end of XXXX XXXX beginning of XX/XX/XXXX and I paid that total amount at once time on XXXX XX/XX/XXXX by online bell payment system as of my others bells payment system by XXXX XXXX XXXX using the name numbers shown on that credit card which means before it generates late fees and an internet. 
But after a few months XXXX XXXX XXXX and Comenity Capital bank send to me the bill to pay that money with late fees and interest I said I all ready paid the full amount on time by using my debit card through XXXX XXXX XXXX They said no there for i went to XXXX XXXX XXXX and XXXX XXXX XXXX branch and I told to one of the Customers relishing XXXX XXXX she check my account and she approved as they paid for XXXX XXXX store by check and she call XXXX XXXX and XXXX to the grocery store XXXX and Comenity Capital bank they took by phone on XXXX ways system in front of me and agree to Investigate what would happen on the other week phone conversation Discussion they investigate the paid check in XXXX XXXX XXXX then that check back to XXXX  XXXX XXXX to readjust to Comenity Capital Bank and that is done on time.But Comenity Capital bank continue send to a bill to pay them late fees and internet but i said I all read paid the full amount once on time so I dont have to pay other fees and internet after different discussions XXXX  XXXX XXXX agreed to pay under my name through XXXX XXXX XXXX {$220.00} and we did that too. But Comenity Capital bank still needs I pay late fees and internet after they received so I refused to pay again with no tangible reasons this is in short what happened between me and Comenity Capital bank. 
I send XXXX pages documents with XXXX pages Covering letters on XXXX XX/XX/XXXX to Consumer Financial Protection Bureau please review that shows all the details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Went delinquent on credit card with Navy Federal Credit Union in XXXX. They later sent me a letter through USPS giving 3 options to settled the debt. I chose Option 1 and settled the debt paying balance of {$910.00} with check sent certified mail and check was cashed soon after they received it.I will attach such letter. I am now being sued with a set trial date of XX/XX/XXXX in XXXX XXXX XXXX XXXX XXXX XXXX, by another company that seems to have purchased the debt from Navy Federal Credit Union. I believe this is a violation of Federal Fair and Trade Acts, or some other violations and I beg this to be examined and investigated and cleared as soon as possible. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation