BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-01
Company: BTH Management
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
on XX/XX/XXXX I could no longer afford the monthly payment I called and they refused to work with me at any level. They harassed me by phone and emails they called at least 6-7 times a day and approxmentaly 7-8 emails a day if not more. On XX/XX/XXXX I gave them a cease and desist letter which they have ignored. on XX/XX/XXXX they turned this account over to XXXX XXXX XXXX XXXX in new York I gave them a copy of the cease and desist letter and warned them of what could happen and now they gave my information to XXXX XXXX XXXXXXXX they continue to ignore the cease and desist letter I wrote another cease and desist letter XX/XX/XXXX warning them of the legal ratifications I will take.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: WELLS FARGO & COMPANY
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
On XXXX XXXX.Wells Fargo place an inquirer on my Credit report early warning.Ive never had an account with them, this is inaccurate & unverified information I have no knowledge of this, its very unfair I do not owe them any money nor was i notified and it is hindering me.they are stating they didnt have the last XXXX digits of my social security number and that they didnt receive a copy of my early warning to see the inquiry they are also asking for an account number when I clearly stated Ive never had a account with Wells Fargo nor have I tried to I do not know why this inquiry is on my consumer report Never step foot inside of a Wells Fargo bank a day in my life they sent me a letter in the mail about a week ago stating they were working on things they never asked me to call them they never asked for my social nor did they ask for a copy that shows the inquiry on my financial consumer report so their response is very untrue and I have the letter that they milk for me on XX/XX/2022 And I clearly stated that it was an inquiry with the first complaint that I made so their response Has nothing to do with my complaint I uploaded a copy of the letter they sent me to prove they never asked me for any more information I also reached out about the other inquiry on my financial consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: NV
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
credit bureaus are siding with a corrupted fraudulent Bank, XXXX XXXX. I had a car loan that was paid on time, 60 payments. Monthly. XXXX XXXX reports car loans as well as boat loans as well as mortgages as " charge offs '' so that as a huge Corporation they would pay less taxes. And you are siding with them too. It is illegal to lie about how a car loan was paid. My var loan was never 120 days late. I was even sent a refund check of {$1600.00} in XX/XX/2020 because I overpaid the car loan and overpaid for fees I was not supposed to be charged for. I have a letter that proves that. I have payment history print outs too. They have nothing. And if they have anything it is altered. Again this is a bank that is on the news almost every week and has been for over 15 years at least. XXXX. XXXX Fraudulent. And CFPB apparently does nothing about it. Hideous.

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 2023-09-12
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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items 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 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 non-monetary relief
Consumer complaint received 2023-06-11
Company: EQUIFAX, INC.
State: MT
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:
In XX/XX/21 I was sent to collections by XXXX  which was for and account that was not mine They refused to do anything about it or give me any information other than the address for the account that I did not open and I had never lived at that address. 

Once in collections, I disputed the debt through each of the 3 credit bureaus and the debt was removed from my credit report until recently. 

On my equifax report the debt has shown up again. I have disputed it both times and they say that the account is mine. They even added the address of the XXXX  account to my credit report. 

If the debt wasn't proven to be mine during the first round of disputes, why would it stay on my report now and why is equifax the only bureau it is able to get onto?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-31
Company: CURO Intermediate Holdings
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i sent a letter to AD ASTRA RECOVERY SERVICE on XX/XX/2021 about a alleged debt of XXXX that i don't owe. i requested for the validity of the debt by certified mail # XXXX XXXX XXXX XXXX XXXX and has not heard from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: VA
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:
To Whom it may concern, I recently challenged the validity of XXXX XXXX XXXX  Account # XXXX ( Collection ) account thats being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true, I am requesting the information you used to verify this account in writing. If such documents can not be produced, please DELETE this account from my credit report immediately. 

What happened? 
The dispute for the account with XXXX XXXX XXXX that starts with XXXX has been removed from your credit report. 

Source : XXXX Date Submitted : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: NATIONSTAR MORTGAGE LLC
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:
I made a payment with Mr. Cooper regarding my mortgage with a money order the payment is not showing. I would like them to research the payment and remove the late payment from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: LEXISNEXIS
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: Credit inquiries on your report that you don't recognize

Complaint:
Upon reviewing my credit report I noticed several suspicious inquiries. This is a violation of the FCRA section 1681 ( c ) which constitutes as fraudulent activity and also breach of my privacy rights. Please provide A COPY of when I sent a written permissible purpose for every inquiry. This is needed in order to validate the inquiries. I did not authorize any employee by these companies to make any inquiry and view my credit report. Finally I demand an XXXX XXXX and production of my signature authorizing the inquiry. If you are unable to provide me this info in 3-7 business days, I demand you DELETE THESE DEROGATORY and Fraudulent inquiries from my consumer report in which I gave you no wet ink written consent to furnish!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am in violation by XXXX  experian and XXXX by being ignored constantly. I will continue to send in disputes until i recieve an answer. Yes I XXXX XXXX authorize all three bureaus to investigate my credit report.

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 2021-07-30
Company: Rickart Collection Systems, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I received a notification from XXXX  that Rickart Coll Systems flagged my consumer report with a Grid Code XXXX  on XX/XX/2021 in the amount of {$30.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
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 AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS 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 2021-01-14
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed XXXX XXXX TD Bank {$1900.00} back in XX/XX/2020. XXXX  XXXX  stopped using TD Bank as their creditor in XX/XX/2020. I paid off the balance {$1900.00} in XX/XX/2020 and have my bank statement for proof. I have called XXXX XXXX and TD Bank which are both unwilling to resolve the issue or provide help. I need this fixed because this error is preventing me from moving forward with a home loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
Upon reviewing my credit report I noticed several suspicious inquiries. This is a violation of the FCRA section 1681 ( c ) which constitutes as fraudulent activity and also breach of my privacy rights. Please provide A COPY of when I sent a written permissible purpose for every inquiry. This is needed in order to validate the inquiries. I did not authorize any employee by these companies to make any inquiry and view my credit report. Finally I demand an audit trail and production of my signature authorizing the inquiry. If you are unable to provide me this info in 3-7 business days, I demand you DELETE THESE DEROGATORY and Fraudulent inquiries from my consumer report in which I gave you no wet ink written consent to furnish!

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 2023-04-27
Company: EQUIFAX, INC.
State: IN
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 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 delete the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; 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, MO XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: Westlake Services, LLC
State: NH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
On XX/XX/XXXX I took out a car loan in the state of California. I bout a used XXXX XXXX XXXX with XXXX miles. I moved to California on my own and was struggling hard and needed a means of transportation. I was desperate and need a car quickly which I feel the dealership took advantage of and signed me up for a contract that was not explained to, theyb essentially told me to just sign. The amount financed was {$12000.00} with total payments being XXXX. My annual APR is 27.29 which is extremely high judging the fact of what I make per year. They are charging me nearly XXXX for a used vehicle that is not even worth this amount. I am trying to figure what I can due and if possible I can sue the lenders in regards to predatory lending.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: MI
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:
These accounts in collections are reflecting items that were initiated from an Equifax data breach and I don't have any knowledge of these negative accounts or balances. This account is under litigation and would like these deleted and removed immediately. XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: TD BANK US HOLDING COMPANY
State: MN
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, Thank you for taking the time to read my complaint. I am requesting my credit score along with co-signer, XXXX XXXX, to go back to normal as there was an oversight with my auto loan. 
I took out a 6-year auto loan with TD Auto in XX/XX/XXXX. I registered for automatic payments however, the last payment was not withdrawn because it was a different amount then I had been paying each month ( XX/XX/XXXX payment ). TD Auto tried to contact me but were sending letters to my previous address ( we moved in XX/XX/XXXX ). These were not forwarded to my new address and I did not receive phone calls regarding the matter. Over time, my loan was sold to a debt collector, XXXX whom Ive been in contact with to resolve the issue. 
I paid the overdue amount in full ( {$390.00} ) the day I found out about the oversight ( XX/XX/XXXX ). 
Please see this as a miscommunication and consider fixing our credit scores. 
Thank you for your time. 
Sincerely, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I received an unemployment benefit card that I did not request. It is a U.S. Bank ReliaCard. 

I suspect someone is using my identification to fraudulently claim unemployment compensation. 

I am alerting you so that action can be taken to prevent payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My mom died in XXXX. Unknowingly, I paid her Chase bill twice- once over the phone and weeks later with a check when the bill arrived in the mail. More than a month after that I realized Chase owes me {$920.00}. 

Chase told me I should write to them and include a copy of a cancelled check. I would then receive a check paid to my mom 's estate. Alternatively, I can wait 30 to 60 days for a refund. Neither option is satisfactory. 

I don't have a cancelled check since banks no longer return checks ; furthermore, the money came out of my personal checking account which has nothing to do with my mom 's estate. ( I sent them a check from MY account. ) Since I can't provide the first requirements, it's inappropriate that I should have to wait one to two months to get my money back. There is no question that Chase owes me {$920.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: CA
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 appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The XXXX and Equifax credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX Account Balance : {$32000.00}

Company response to consumer: Closed with explanation