BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-28
Company: GVA Holdings, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Dear Mr. or Ms . I made the mistake of taking a loan out with this company, I was approved for a {$600.00}. I was told online that there would be a smaller finance charge, steep, but I agreed. What I did not know, and could not see at the time I accepted this agreement, was that the Truth in Lending disclosure not visible at the time I accepted this loan showed an APR of, and this is not a typo either, 649.9988 % and that the total repayment amount for my {$600.00} loan would be a whopping {$3400.00} I had not been informed of the 650 % interest rate on the loan, and I was told there would be a {$350.00} finance charge, not {$3400.00} in total payments, and I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account. To this date I have paid {$560.00} ( in only 7 weeks ) for the {$600.00} loan. I was also told this would be bi-weekly payments and not weekly. I feel like I was totally mis-lead about how much this little loan would cost me. I am willing to pay this off with a reasonable amount of interest. Thank you for your time. I did not realize this was such a scam or I would have never accepted this. They sent me an email stating that I now owe them : XXXX wrote : XX/XX/2019 XXXX AM To You XXXX XXXX, Thank you for your email. Our records show your account is fully past due in the amount of {$1300.00}. There are currently no payment arrangements for your account. We are able to divide this balance into 7 smaller payments of {$180.00} to assist you in your efforts of paying your loan in full. Thank you for choosing XXXX XXXX XXXX. 
Disclaimer : XXXX XXXX XXXX , XXXX  is an entity formed under the laws of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reservation of Montana ( the Tribe ), a federally-recognized and sovereign XXXX  XXXX Tribe. XXXX XXXX XXXX , XXXX  is wholly-owned by the XXXX. XXXX XXXX XXXX , XXXX is a licensed lender authorized by the Tribes Tribal Regulatory Authority. 
This is not acceptable. I am willing to settle for a reasonable amount of interest. I have paid back 95 % of the borrowed amount. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: AZ
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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2022-11-14
Company: Experian Information Solutions Inc.
State: DE
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 took a look at my consumer report and found that EXPERIAN, XXXX and XXXX is is engaging in unlawful extortion means by knowingly furnishing false and misleading information while having reasonable cause to believe the information is inaccurate. The United States Bankruptcy XXXX XXXX of Delaware has verified that they are not and do not furnish bankruptcies to consumer reports. Furthermore, I am aware that all extensions of credit are tied to my social security card and that the United States is obligated to all debts under 18 USC 8. I, the consumer, have never been given the opportunity to direct that my nonpublic personal information should not be disclosed to Experian, XXXX and XXXX pursuant to 15 USC 6802 ( b ) ( 1 ) ( B ). Nor was I given an explanation on how to exercise the nondisclosure option which is a violation of 15 USC 6802 ( b ) ( 1 ) ( C ). My consumer report does not include a report containing information solely as to transactions or experiences which means the bankruptcy furnished is a violation of 15 USC 1681a ( d ) ( 2 ) ( i ). EXPERIAN, XXXX, and XXXX has caused harm by furnishing inaccurate information on my consumer report. According to XXXX XXXX XXXX ( p ) the consumer reporting agencies do not have actual authority for such use of my credit card defined under 15 1602 ( l ) and I received no benefit from this unlawful transaction. This transaction was not initiated by me which is a violation of 15 USC 1681b ( c ) and 15 USC 1681b ( 2 ). Without lawful authority, by using means of my identification the consumer reporting agencies are committing aggravated identity pursuant to 15 USC 1681a ( q ) ( 3 ). Verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy. Conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1

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 2019-01-28
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: Account status incorrect

Complaint:
I contacted Experian about several accounts on my credit report that is still open and active, although the two other Credit Bureaus have closed them. I submitted documents of receipts and the closure letter for XXXX XXXX and received a letter that this would remain on my report until XX/XX/2023. I immediately contacted Experian and was told by two Agents and a Supervisor who continued to give false information. I was told that the Company never confirmed with them that they needed to close my account. I contacted the Creditor and was told that Experian was contacted the same time as the other ones and that's why the accounts are closed. I was also told that we can do a three way conference and they would relay this information to Experian. Experian wouldn't do a conference call, but stated as an 'One time exception ' they would contact the company. I waited for over thirty minutes, while the Experian Supervisor kept me on hold only for her to come back and say that they confirmed that they closed my account due to debt being paid. The Supervisor stated that the system wouldn't allow her to close the account and I would have to wait until she could. XXXX XXXX stated they were on the line with Experian for about five minutes or less with the Supervisor who stated that they would remove it. Experian seemed more interested in keeping my Credit Score low instead of updating and removing several accounts that have already been closed bt XXXX   and XXXX. This is the main reason why others and my Scores are stagnant, because they fail to do an accurate update. All conversations have been recorded that shows that Experian do not want to update my account with the correct information. Credit is important so stop being a hindrance for 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 non-monetary relief
Consumer complaint received 2018-03-27
Company: A-1 Premium Acceptance, Inc.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I did not apply for a loan with this company and they are stating that I did. I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
TRANSUNION UNAUTHORIZED INQUIRIES: 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 UNAUTHORIZED INQUIRIES: 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 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 2022-05-05
Company: Experian Information Solutions Inc.
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 this what happened On, XX/XX/XXXX, after I pulled my credit report, I found out multiple accounts that did not belong to me, months later, to be exact, on XX/XX/XXXX, I submitted my first dispute to the credit bureaus, I started my disputes to the credit bureaus very often, but so far since that time date, I have submitted package of Identity Theft XXXX time, Unfortunately, I pulled my updated credit report, and these accounts still appear : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX ( XXXX ), XXXXXXXX XXXX ( XXXX accounts ), XXXX XXXX XXXX ( XXXX XXXX ) ( tow accounts ), I want these accounts to be remove on my credit report, because it is affecting my ability to more credit cards.

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 2021-03-03
Company: EQUIFAX, INC.
State: IL
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:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
So, I opened an XXXX Credit card through XXXX XXXX. They make it to where you can't pay in person, only via their website or phone. There have been multiple occasions where I made the payment on time, but there was an issue with their servers or for some reason it wasn't processed. I don't have good cell service where I live, so I could only pay it via online. They charge all these " late fees '' because there were " technical issues '' on their side. My limit was {$200.00} and despite everything I paid including all the late fees, I owe {$600.00}. This was also settled but then the bank opened it back up and sold the collection. Portfolio will not send me the entire transaction history for this account. They send me a couple random dates? This has ruined my credit and made my life as a single mom very hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have had a personal account with Wells Fargo for several years. On XX/XX/XXXX, I deposited a business check from my company account into my Wells Fargo account for {$1500.00}. 

On XX/XX/XXXX, I received an emailed notice from Wells Fargo that they were releasing about {$220.00} of the deposited fund, and holding the rest for XXXX days until XX/XX/XXXX. 

On XX/XX/XXXX, I received a further emailed notice from Wells Fargo that they were extending the hold to the entire deposited amount, and adding XXXX more days to the hold until XX/XX/XXXX. 

The deposited item paid through my business account the night of XX/XX/XXXX. 

Wells Fargo will not release the hold, and the funds are not available. 

Wells Fargo tells me that this hold is " for my protection ''. They will not even consider checking to see whether the funds have been received by Wells Fargo. No customer service person online, over the phone or in person will 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 monetary relief
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: WA
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 called Experian a few months ago when this first appeared on my credit report and called the company reporting this information as well. The person I spoke with at Experian took my dispute information and submitted on my behalf. A few days later I received notification that the account was verified. I called the XXXX XXXX and tried to tell them this isn't my account and I have no idea what this is all about. The person was rude and stated " yeah we hear that all the time and proceeded to tell me it's in your name so it's your account. '' According to the FRCA the term " investigate 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 friends, neighbors, or associates of the consumer with who he/she is acquainted or whom may have knowledge concerning any such items of information.

They stated the account was verified but, how is that possible f they did not do a proper investigation according to the law. Also the information pertaining to this account is still reporting and not accurate.

According to FRCA 15 USC 1681 everything has to be 100 % accurate. 

Account - XXXX XXXX XXXX ( originator ) XXXX XXXX XXXX ( collection agency reporting to the credit bureau ) Account info Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$410.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$410.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$410.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Payment history guide Collection as of XXXX XXXX, XXXX XXXX, XX/XX/XXXX to XX/XX/XXXX 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 2018-09-16
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: Account information incorrect

Complaint:
You continue and are persistent in maintaining erroneous reports and accounts. I have contacted original creditors that I settled accounts with, no contract exists and when an account or debt is settled it can not be sold or reported again. 


According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical  verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX {$920.00} XXXX XXXX {$900.00} XXXX XXXX {$850.00} XXXX XXXX {$150.00} XXXX XXXX {$150.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Changes in loan terms during or after closing

Complaint:
I have a mortgage with Bank of the West ( now BMO ) recently bought in the last week. 
During COVID I applied for mortgage forebearance through the CARES act. My payments stopped I believe for approx 1 year. When I started regular payments again I was told that I had to sign some papers with HUD and that the amount that was not paid during that year would be tacked onto the back of my mortgage. 
I am in the process of trying to get a HELOC with another bank right now and for over a month we have been trying to find my actual principal balance on my mortgage. HUD stages that I owe them {$10000.00}. That they dispersed those funds to BMO ( Bank of the West ) at that time to be applied as they see fit to my mortgage to cover my forbearance. They have confirmed that for me in writing and with a payoff letter. I have requested mortgage statements from XXXX, XXXX, and XXXX as well as the documentation breakdown of how they applied the {$10000.00} ( that I owe HUD ) and was to be applied to my mortgage. Just glancing at the current balance of my mortgage, if {$10000.00} had been applied, it should show a lot less. 
I am unable to access any of my records from BMO online at this time because they are still in the process of moving everything. However, the story they are telling me about the balance being tacked on to the back of my mortgage I owe them, is a completely different story than HUD is telling them. In fact, one is saying they gave my mortgage company money, and they other is saying they did not. 
And my mortgage company ( bank ) can not readily provide me with even statements from past years so I can see if there is any obvious adjustments ( as there should be from HUD dispersing the funds ). 
I need assistance. I met with the VP of BMO at my local bank yesterday in XXXX kansas and Im not getting anywhere fast. He sent some emails requesting information because they can not even pull up statements.

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 2022-03-05
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:
XXXX XXXX XXXX HAS CONTINUED TO REPORT A FRAUDULENT ACCOUNT ON MY CREDIT FILE. THIS ACCOUNT IS NOT MINE AND IS A RESULT OF IDENTITY THEFT. I HAVE SENT NUMEROUS DISPUTES, PROVIDED A IDENTITY THEFT AFFADAVIT, AND SUBMITTED NECESSARY DOCUMENTATION TO TRANS UNION. I ALSO HAVE REQUESTED ANY INFORMATION PERTAINING TO THIS ACCOUNT BE SENT TO ME DIRECTLY AS PERMITTED IN IDENTITY THEFT CASES. IVE SUBMITTED A DIRECT DISPUTE TO XXXX XXXX XXXX TWICE WITH PROOF OF DELIVERY AND THEY HAVE FAILED TO RESPOND TO MY DISPUTE BUT CONTINUE TO REPORT THIS FRAUDULENT ACCOUNT TO MY CREDIT FILE WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FCRA. 

TRANS UNION HAS ALSO CONTINUED TO REPORT THIS FRAUDULENT ACCOUNT EVEN AFTER ALL IDENTITY THEFT INFORMATION AND A REQUEST TO BLOCK THIS ACCOUNT HAS BEEN MADE. TRANS UNION AND XXXX XXXX XXXX HAVE BOTH REPEATEDLY IGNORED MY DISPUTE AND REQUEST TO REMOVE THIS FRAUDULENT ACCOUNT. THIS IS AN ACT OF WILFUL NON-COMPLIANCE AND IS A DIRECT VIOLATION OF MY RIGHTS. THIS ACCOUNT NEEDS TO BE REMOVED IMMEDIATELY.

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 2022-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Their investigation did not fix an error on your report

Complaint:
I am submitting this CFPB complaint to you today to request to you to remove the late payments you are reporting on my XXXX XXXX. The references for the late payment on this account is erroneous and misleading causing negative impact on my XXXX XXXX! I previously requested for the investigation and correction of this account and yet you have done nothing. Let me remind you that you are obliged to investigate and update this account per consumers requests under the FCRA regulation. Once again, I am requesting that you take your time to THOROUGHLY investigate and CORRECT this account to report accurate information on my Credit Report. Per FCRA, reporting of account information must be accurate ; I need this account updated immediately. 
CAPITAL ONE XXXX  Opened XXXX. XXXX, 2022 XXXX {$95.00}

Company response to consumer: Closed with explanation