BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-15
Company: EQUIFAX, 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:
I have made numerous attempts to reach out to XXXX XXXX on multiple occasions : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  For the past 12 months, I have been in the process of constructing my home, for which I obtained financing through a different lender. Unfortunately, XXXX Bank has erroneously reported two business credit cards, ending in XXXX and XXXX, on my personal credit profile. This has caused significant financial harm, as I am now unable to secure my mortgage, with the closing scheduled in just 45 days. 

Here is some background information regarding the situation : I maintain multiple accounts with XXXX, both personal and business. Throughout the past year, I have noticed excessive service fees being charged to my business checking account by XXXX. I solely use this account to make credit card payments for my XXXX business credit card. 

Initially, I set up autopay for my accounts to ensure timely credit card payments. However, due to XXXX 's persistent excessive service fees, the money I deposited into my account was being deducted to cover these fees. Despite reaching out to XXXX multiple times to rectify the issue, no one seemed to comprehend why I was consistently overcharged. This cycle persisted for months, with XXXX continuing to levy excessive fees. 

Eventually, I managed to secure an in-person appointment, during which a bank representative promptly recognized the excessive charges as the root cause of the reported " late '' payments on my personal credit report. The representative refunded the excessive bank charges and acknowledged the error. However, they were unable to rectify the credit reporting issue as it fell outside their department 's purview. 

Subsequently, I contacted XXXX XXXX XXXX multiple times, only to be informed that they do not consider this a banking error. Instead, they advised me to dispute the matter with the credit bureau. According to them, the investigation would reveal the excessive charges and the removal of my account from autopay, leading the credit bureau to remove the negative reporting. This conversation was recorded on XX/XX/2023 at XXXXXXXX XXXX  XXXX, and I encourage XXXX to review the call if necessary. Given that XXXX acknowledges this as their mistake, it is perplexing why they are unwilling to rectify the negative reporting directly, without requiring my involvement with the credit bureau. 

I am currently scheduled to close on the house that I have diligently saved for over the years. However, due to XXXX 's error, their subsequent acknowledgement, and their reluctance to correct the situation, my mortgage application has been declined, jeopardizing my dream of building this home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-02
Company: Diverse Funding Associates LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have no contract with this company in regards to any debt owed.

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 2022-04-06
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Contacting you all about the Education Department forgives XXXX Million in student debt for borrowers who attended for-profit schools

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: EQUIFAX, INC.
State: ME
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:
Paid off balances are still showing on my XXXX  & Equifax credit reports. 

An amount of {$160.00} from XXXX XXXX was paid with a settlement as agreed upon by XXXX yet is still showing as due on both XXXX  & Equifax. 

An amount of {$190.00} from XXXX XXXX is still showing due but was paid in full for {$190.00}. Still showing on both XXXX & Equifax. 

An amount of {$160.00} & {$150.00} from XXXX XXXX is still showing past due but was paid as part of a settlement as agreed upon by XXXX XXXX. Still showing {$160.00} & {$150.00} on Equifax & {$150.00} on Equifax & XXXX. 

An amount of {$240.00} from XXXX XXXX is still showing past due but was written off last month by XXXX  XXXX but still shows on Equifax. 

I have not received the documents from the Collections Agencies as they said they have to mail them rather than email.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I tried to clear debt up to remove negative report on my credit. Approx.  XXXX  weeks ago I received a billing statement carecredit I called them to verify, they told me they could give me no info. because the account had been sold to   XXXX   I called p.r.a. they show that I paid off an account with them on in  XXXX  of   XXXX  . I make multiple calls to carecredit they refer me to   XXXX  . I do have an account with carecredit the account is closed but not delinquent. I need some type of verification from them that the account is not late/delinquent .They refuse to send me a letter stating that I am not behind on the payments as erroneously reported on my credit report. There are  XXXX  phone numbers that I am referred # 1 refers me to 2 #, # 2 refers me to # 3, #  3  refers me to # 4, then # 4 refers me to # 1 .On and on it goes. Each one assures me that the next # is the one that can help me. I  n  the mean time I am being negatively effected financially. Carecredit/Synchrony bank are the worst companies I have ever dealt with it is like an episode out off The Office.

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 2019-07-16
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX ; XXXX and XXXX  are reporting incorrectly a charge-off balance of {$4700.00} on the TOYOTA MOTOR LEASING account number XXXX. ( Please see page 5 of the attached credit report. ) This vehicle was sold at auction and Toyota informed me that they did not receive enough money for the vehicle at auction and consequently there was a remaining balance due of {$4700.00}. I requested documents from Toyota verifying the amount due, however I never received anything. It is illegal to charge someone money that is not owed and also to not provide any documentation to back up the claim of an outstanding balance due. This incorrect reporting is harming my credit score and this line item needs to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: Diversified Consultants, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Diversified consultants recently removed this credit reports back in XX/XX/2018Diversified consultants has re-aged this account which against the law as stated in Section 623 ( a ) ( 3 ) of the FCRA states that if the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2017-05-02
Company: BYL Collection Services
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was charged {$64.00} that was sent to collection. I called  BYL  collection agency over a month ago and paid the debt off. It needs to come off my credit immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX has not sent requested information from multiple demands. 
1 ) Copy of signed consent to furnish my public information to any person/company/CRA etc 2 ) copy of the signed contract of the alleged debt These demands have been ignored on several letters received to them. Currently letter was received XXXX XXXX ( usps tracking # XXXX ). This request is to be completed within 30 days. I do not agree to any more time being used for investigation

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 2022-03-22
Company: CBC Companies, 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 status incorrect

Complaint:
I noticed a hard inquiry on my report from factual data. I never authorized a hard credit report ot be run. The only thing I could think of was I inquired about a notice I received about a cash-out refi offer from XXXX. XXXX is my home loan. I called them with some questions but never approved them running a hard inquiry. I only had some questions to discuss the offer. They should not have run a hard inquiry as I had no intention of doing the cash out refi once I learned more about it. If the inquiry is not from XXXX then I do not know who ran this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: EQUIFAX, INC.
State: MN
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:
Identity theft victim. XXXX and this stress has taken a toll on my XXXX due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I kindly ask you to remove the incorrect late payment from my account. Considering my consistent history of making payments on time, it is unfair for me to be penalized for an error that is not within my control. I respectfully implore you to promptly update my account with the correct 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 non-monetary relief
Consumer complaint received 2022-12-24
Company: Experian Information Solutions Inc.
State: CT
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:
Experian reporting my address is XXXX XXXX XXXX XXXX XXXX in XXXX XXXXXXXX XXXX XXXX but my addresses should be either XXXX XXXX XXXX XXXX XXXX, CT XXXX or XXXX XXXX XXXX XXXX XXXX, ct XXXX those are my Addresses. 
Please have that address removed .Also have Experian replace my points they took over XXXX for my car that was paid off XX/XX/2022 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 2023-02-05
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
As of XX/XX/2023 XXXX, Equifax, and XXXX have not complied to my investigation and unauthorized inquiries to my credit report. I have provided proof of certified mail receipts and there past the 30 day response time. I request all unauthorized inquires removed off of my credit report. This is a fraudulent matter that they are refusing to remove. Attached is the proof of identity that was also sent to each of the credit bureaus when the original request was mailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: CNG HOLDINGS INC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
On XX/XX/2020 I received an email at XXXX and a text message at the same time regarding my account with lease it or keep it. I do not appreciate being called every hour while I am at work and now I am getting contacted at an unacceptable time of the night.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: EQUIFAX, 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:
When I looked at my credit report, I was disappointed to learn that several items had been disputed. Why are they still showing up on my report?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: FL
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:
According to the provisions of the Fair Credit Reporting Act '611 ( a ) ( 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 


1.Identify theft : Account XXXXXXXX XXXX XXXXXXXX Account number : XXXX 2.Identify theft : Acount XXXX XXXX XXXX Account number : XXXX Please notify me that the above items have been deleted pursuant to " 611 ( a ) ( 6 ) [ 15 USC ' 1681 ; ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of " 612 ( 15 USC 1681 ], there should be no charge for this report.

If you have any questions or need additional information, please contact me at the address noted above.

Also, I would like to remind you, using the E-Oscar method to verify this debt, which you are aware of, is against the FRCA guidelines. Please also include in your own reply the method used to " verify '' the debt you claim I owe 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 2022-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 a victim of identity theft and fraud. I have notified alleged creditors that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credit, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my Social Security number has been used unauthorized, and without consent and written or verbal permission. My Social Security number information was breached and alleged creditors have used my Social Security number and are in violation of the privacy act of XXXX etc. unless they can prove a written contract exist. 

XXXX has received my FTC Identity theft report, FTC Complaint and Affidavit, and proof of identification via USPS certified mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX signed for by XXXX agent XXXX XXXX, there is no proof to the contrary. XXXX  is in direct violation of the FCRA section 605B 15 USC 1681c-2 Block of information resulting from identity theft as pursuant they must remove all fraudulent and inaccurate information from my consumer report no later than four ( 4 ) business days after the date of receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Paid off my credit card completely on XX/XX/XXXX for {$120.00}. Have not used this credit card since I paid it of. Received no emails or letters regarding bills for my account since I paid it off. I did receive a postal letter that my account was being closed but that was all. 

On the phone today XX/XX/XXXX they told me I was set up for paperless but received no emails and I never authorized paperless. I always received paperless. 

This doesn't explain why I received all these fees and received no notifications.

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 2019-10-02
Company: Scott Fetzer Financial Group Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I took out this loan based on the guarantee that I received payment from XXXX  to reimburse me for my participation in their case study. I would never have agreed to purchase the XXXX dispenser for just under {$13.00} without that guarantee. In exchange for my participation in the study, along with the reimbursement, XXXX was to maintain the dispenser. Yet they never told me that the dispenser required filter changes, I have completed all my requirements and XXXX has never paid me any money. They continue to change the requirements monthly, and frankly make things so confusing. They even question if I finish them-when indeed I have. There are 1000s of participants who have gotten scammed in this fraudulent scam and XXXX just did a story as well. XXXX only talked about a few of the Finance companies and failed to list all of them. My loan was with United Consumer Financial Services.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
My cleaning lady tried to cash a check I wrote to her at Wells Fargo Bank. The bank claimed that they could not locate the account. The reason was that their automated check reader missed the last digit of the routing number. The check image they sent to her clearly showed the correct routing number at the bottom of the check. This is the 3rd time this has happened in the last 2 years at XXXX XXXX The deposit attempt was made at the branch in XXXX, CA. In all cases they have refused to rectify the issue. no other party receiving my checks has experienced issues with scanning them.

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