BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: MA
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:
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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and 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 non-monetary relief
Consumer complaint received 2022-04-12
Company: EQUIFAX, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: American Coradius International LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter that shows it is from American Coradius International LLC dated XX/XX/2021. It has my name ( with my maiden name, not my legal married name ) and my address. It has an account number listed and an amount due to XXXX, XXXX. I do not own the account listed and I do not owe XXXX any money. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Between the dates of XX/XX/2023 and XX/XX/2023 I sent payments what I thought was a reputable breeder for a purchase of a lizard thru Zelle at my bank ( XXXX XXXX ). I found out on XX/XX/2023 that the breeder had scammed me. The web address I went to was on XXXX " XXXX XXXX XXXX XXXX '' to purchase this lizard. Since this happened they have now changed it to XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' and the one that scammed me is the moderator on this group. I filed a police report and I was told by the investigatior that I was scammed. Since then the breeder changed his profile to another name as well. 

I did report this to my bank 's Zelle technical customer service to request a refund. The total amount that I have sent thru Zelle was XXXX. Checked on status of this dispute on or around XX/XX/2023 and it was DENIED. I feel that the bank should be a little liable for this transaction after all when I used the Zelle for the first time I had to get the bank to release the hold. They should have warned me or something. Yes I did authorize these payments all the while I was told by the scammer I would get XXXX back on delivery. Maybe others can learn from this experience as well. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: Experian Information Solutions 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:
I've submitted proper documents to Experian, XXXX and XXXX   showing I was the victim of identity theft. Nothing has been fixed or removed from my credit. Nor are they repsonding. This is impacting my score and life.

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 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A charge offs being listed on my on my credit report. 
1. XXXX XXXX as XXXX charge off. 
2. XXXX XXXX XXXX XXXX as XXXX charge off. 
3. XXXX XXXX  listed as XXXX charge off. 

Pursuant to F.R.C.A 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) Charge-offs are considered as income and I have not received a 1099c for these listed amounts, therefore these accounts are 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 non-monetary relief
Consumer complaint received 2020-04-02
Company: WELLS FARGO & COMPANY
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a fixed rate student loan through Wells Fargo. I have a set amount, which I do not have the option of increasing, drafted out of my checking account monthly. I have always made additional principal only payments on previous loans of various types without any problem. This is not the case with this loan through Wells Fargo. With each of the four additional payments I attempted during the first 3 months of the loan, which originated in XXXX of 2019, interest of varying amounts ranging from {$21.00} to {$200.00}, were deducted then my regular drafted monthly payment was applied on the scheduled date with full interest deducted. The regular monthly interest has never been even close to consistent or predictable. One of my extra payments earmarked for principal only was hit with over {$200.00} of interest in XXXX of 2019. I've never had a regular interest deduction on the regular monthly drafts on this loan near that amount. I've made several calls requesting instructions on how to make a 'Principal Only ' payment and each time I'm told that it can not be done. Every loan of every type with various banks, which I've had in my many years as a consumer, have always allowed additional payments, over and above the set monthly draft, to be made and applied only to the principal without having additional interest deducted from those extra payments. Whether this is a student loan, auto, loan, or mortgage loan does not make any difference. They all have allowed principal only additional payments to be applied. They all have allowed me to also set a payment amount to be drafted each month over and above the minimum set by the particular banking institution. This is not allowed with Wells Fargo. Making additional principal only payments to be applied without additional interest being deducted from the additional payment is not possible with Wells Fargo. Every one of the customer representatives ( several ) that I've spoken to and questioned this with can only reference back to the loan interest being compounded daily and even go so far as to speak to me as if I do not understand that interest must be deducted from my monthly payments before principal can be applied. It's exhausting, shocking that these reps are that unknowing of how a proper, legal loan is supposed to be handled and regulated, and it's also offensive to me as a consumer. I've even asked several representatives for a simple amortization schedule for my loan and they each tell me that it's not possible, not available for my loan, and one even had no idea what it was. For a bank not to be able to produce this for a fixed rate loan gives pause that potential illegal activity is at play with my loan.

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 2023-01-07
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Many businesses in this age fall back on one clause which boils the blood for all consumers : the umbrella protection excuse. CashApp will restrict, suspend, cancel or even ignore your inquiries on a specific situation and have zero responsibility for explaining why?. This is no different than a parent commanding a child to go to their room, and offering no reason as to why theyre being punished. How are people supposed to learn from mistakes, and grow in their interactions with businesses? This line in the sand has created such anger within our society. It has with me. How frustrating it is to be told I no longer have the paper money deposit ability on my account because it may be that I violated a term of their policy, my account is too new, or my deposit history is. If Cashapp disclosed that after review of my account, the restriction was placed, then there is no reason not to give the purpose. I mean, cause and effect. Some action has caused the action of restriction. this world has an issue with taking responsibility. We plead not guilty when dealing with a XXXX  XXXX XXXX XXXX XXXX XXXX. We speed. We hire those to cheat on our taxes. Is this the direction you want our future to continue? Companies should not be able to instill XXXX restrictions, punishments, or any activity really without an honest reason. Their support should never disconnect from you when engaged in conversation. Its no different than being hung up on

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently made timely payments without any instances of being late.

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 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 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 written instructions

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 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts ; US DEPT ED ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX : {$3500.00} ), US DEPT ED ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX XXXX {$3500.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-07-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$5100.00}

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 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 submitting this CFPB Complaint to bring to your attention a matter of great concern. Upon reviewing my credit file, I have discovered several files that are not mine, indicating a potential compromise of my personal information. As you are likely aware, under section 605b of the FCRA, it is legally required that any account found to be opened due to identity theft be removed promptly. I have filed a dispute and provided the necessary FTC Report and the bank 's records, as required by law. While I appreciate your attention to this matter, I would like to request that you provide me with any documentation that you possess regarding these accounts. I understand that according to the FCRA, you are required to verify the accuracy of the information contained within my credit file, and I would like to ensure that all accounts listed are indeed true, accurate, correct, complete, and verifiable. I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX  XXXX Bankruptcy : Bankruptcy Reference Number XXXX XXXX  XXXX Bankruptcy : Bankruptcy Reference Number XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX  XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX. Should you determine that any of these disputed accounts are indeed mine, I would appreciate receiving copies of any documentation bearing my signature, as it would greatly assist in my understanding of the situation. In the event that you are unable to provide me with satisfactory documentation to support the accounts listed in my credit file, I will have no choice but to take legal action.

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 2023-11-02
Company: Exeter Finance Corp.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX Visit XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX, XXXX submitted fraudulent loan documents to Exter finance LLCXXXX XXXX the director of loss mitigation ( XXXX ) XXXX keep on calling me stating, I didnt sign the contract. 

for a stolen XXXX XXXX XXXX which was stolen from me XX/XX/XXXX when I parked it in front of XXXX XXXX XXXX XXXX, XXXX, Pa XXXX. 

I didnt know of this until the threatening calls from XXXX XXXX who took my information and uploaded it on Exter financial website who illegally took {$360.00} a month with {$2000.00} down payment, from XXXX XXXX XX/XX/XXXX for a stolen car. 

Pa state trooper XXXX XXXX stolen car unit. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX I went to him on XX/XX/XXXX in person on the bus and reported my car stolen to him. 
He stated, my car was stolen and he brought me tags in XX/XX/XXXX for the car that was stolen. 

XXXXXXXX dot never gave me a registration card due to the incorrect title XXXX submitted for the stolen. 

XXXX police report the car stolen on XX/XX/XXXX, when they pulled the suspect over. XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I Sent my letter off on XX/XX/2023. I told the credit bureaus to 'investiage ' every piece of information ' on the accounts I have listed below. Also i have attached the letter I sent out and here is the Tracking #. XXXX XXXX XXXX XXXX XXXX According to the FRCA The " investigative '' consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, reputation, personal characteristic, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 




They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these account are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.

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 2023-07-27
Company: EQUIFAX, INC.
State: KY
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:
For the company to do what is fair and and equitable to me as a consumer by deleting the items that is identified as identity theft from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: CURO Intermediate Holdings
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt is not mines because I never applied for a loan with this company and it was identity theft. I have contacted this company numerous times to tell them this and they still have this debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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