BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: NC
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:
Late payment was listed on my credit report which is an invasion of privacy. XXXX XXXX for Car payment which was paid is listed as Late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Google Compare Credit Cards Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I purchased a gift card went to activate it only to find out it has already been taken to a XXXXXXXX XXXX from a googleXXXX XXXX I have no idea what that is nor did I ever intend or authorized the use of this here. Ive been I. Touch with google and gotten nothing but the run around avoiding the situation with transfer to transfer no one knows or can fix it. Unless then I give a bank statement showing it I cant cause the card doesnt exist really when u get online because it was wiped clean before I registered it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: LEXISNEXIS
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Lexus Nexus reporting inaccurate information. Lexus Nexus reporting wrong information to other data sources and credit report agencies. Lexus Nexus have multiple name variations. Lex Nexus is have information on report that is more than 5 years old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: Collection Management Holdings, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2023, I spoke with 'XXXX XXXX regarding an issue surrounding a claim. I reported that I believe that I do not owe this debt. The agent ( XXXX XXXX asked why. I gave her my reason. She become agitated and stated that on XX/XX/2023, the debt would be reported to a credit agency and 'affect ' my credit. I asked why their company notified of this claimed debt on XX/XX/2023 and only gave me 38 days to pay and then report it to the credit agency. XXXX claimed that their company only gives debtors '60 days from the time collections receives the claim. Not when the debtor is notified '. I stated that this seems misleading and is directly going to harm my credit score. I asked for an extension, as this was the first time I was made aware of any claims/debt. It is also unclear as to whether I actually owe this debt. I may file separate complaints in regards to a incorrect amount and the face that I may not owe this deb at all. This complaint is in regards to their credit reporting practices; claiming that they give debtors 60 days to pay and then reporting them to credit agencies 38 days after notifying them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 5th 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, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} 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 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
incorrect information on 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 non-monetary relief
Consumer complaint received 2022-02-17
Company: LoanCare, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was approved for a loan modification back in XX/XX/2021. I have over {$10000.00} in a " suspense '' account and that was supposed to pay the mortgage for the next 6 months, starting XXXX. My account still has not been update in the system. They were supposed to have it updated within 30 days of receiving my completed paperwork. It has now been 4 months. I need to be able to see my updated information online.

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 2022-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Transunion has allowed 2 mortgages to be taken out in my name for {$300000.00} open on my report now and was opened on XX/XX/XXXXXXXX  this one was still allowed after I made 7 or more complaint by phone and cpfb about the first one. # XXXX XX/XX/XXXXXXXX  for {$260000.00} is close as of now from XXXX XXXX XXXX  as well as student loans thats over {$110000.00} that equals up to {$680000.00} this was been the biggest hard ship, mental and emotional distress of my life and havent been able to do anything because of it I have called transunion at least 20 times about this matter and they act like that dont even care I have sent in my STATE ID social Security card and proof off address and they still are allowing this to take place.this is a violation of many federal law that transunion need to be held accountable for I also made a report to 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 2022-02-17
Company: EQUIFAX, INC.
State: AL
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:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The account listed should be blocked, removed and suppressed for this is fraudulent. Fraudulent Account : XXXX XXXXG XXXX XX/XX/2018 {$700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
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: Investigation took more than 30 days

Complaint:
I applied for a equity loan with my mortgage company and was turned down. I was told by a representative with the mortgage company I was eligible for the loan, I only needed a credit score of XXXX to obtain the equity loan however I did not here back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 sent letter to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XX/XX/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 2022-08-06
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/22. I forgot autopay was set up and accidentally paid twice. Immediately contacted Ally to discuss options. Was informed by agent Id have to dispute with my bank. So I do. Both payments end up refunded. 

XX/XX/22 I call ally to discuss how I can pay to avoid being late. XXXX informs me to pay again. 

XX/XX/22 Two additional payments come out of my checking account for a total of three payments for the month of XXXX. I dispute one with the bank. 

XX/XX/22 I get an another car payment from ally taken out of my account. I contact XXXX assistant branch manager to assist with Ally. Ally refuses to speak with XXXX despite my explicit authorization that XXXX can talk directly to Ally. Ally issues refund. 

XX/XX/22 Ally issues another refund and says I am now late on my payments. Ally has blocked my bank account from being able to pay online. Ally customer service keeps blaming XXXX and making excuses.

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 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
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 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-06-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
WELLSFARGO froze my account had no access to account they notified me my deposit will be on hold .after someone withdrawed money without my knowledge or consent I had identity theft since that they forward and they did not returned my money but they did closed my account.

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 2023-02-27
Company: EQUIFAX, INC.
State: AZ
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: WELLS FARGO & COMPANY
State: UT
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:
Wells FargoXXXX XXXX is reporting late payments for the year of 2020 and I would like them removed. Due to the unforseen events with the Covid 19 pandemic I had an extremely hard time when things began to unfold. My employer ended up losing a lot of work therefore my hours were cut. I am usually very diligent about paying my dues, but this was a difficult time. I ask that Wells Fargo make a goodwill adjustment to have this removed.

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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
A Charge off are considered a certificate of indebtedness, and it is considered income. INCOME can not be reported on a credit report According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal 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 2023-06-30
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
THEY CAME BACK SAYING THAT THEY VERIFIED THE ITEMS REPORTED WAS CORRECTLY. AND NO FURTHER INFORMATION WAS GIVEN.HOW ARE THEY VERIFYING THE INFOR IF THEY CAN'T PROVE ANYTHING.

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 2023-06-30
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX PA XXXX is a fraudulent address listed on all 3 credit bureaus and every account associated with that address is fraudulent as well. Please assist in removing this information off of all 3 credit bureaus and my credit reports.

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 2022-02-17
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2021, I requested a Debt validation and I received a response on XX/XX/2021, claiming that the debt was verified. In accordance with USC 1692g, congress mentions the 5 points that a debt collector must provide to the consumer 1. The amount of debt was on furnished 2. The name of the creditor to whom the debt is owed ; Not Furnished 3.

4.

5.

Last but not least I have never signed a contract with the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Using my social security for credit cards and accounts. His name is yer XXXX XXXX. His address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC. Number is XXXX XXXX Emailed he used 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 explanation
Consumer complaint received 2023-04-24
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
I applied for an AMEX platinum credit card this morning on my mobile phone, with the hope that both myself and my husband can use it ( adding him as an authorized user ). Personally I am sick of long covid and not able to really travel anywhere, but my husband will still be utilize all the travel benefits and perks, which is the main reason I applied for the card in the first place. And based on my experience with all other banks such as XXXX XXXX, XXXX and XXXX, there was never a fee for adding one authorized user. And when I scroll through the landing page for AMEX there is nowhere clearly that shows that adding authorized user will incur an annual fee of {$170.00}, and therefore I made the decision to apply for the card. Only after I got approved by AMEX, then they starts to ask me do I want to add authorized users for a fee of {$170.00}, which is when I got caught by surprise completely.

Now that I have already applied for the card, my credit score got pulled, if I again cancel it right after it will just hurt my credit score even further. And I have called 3 times talking to different people on AMEX team to make a complaint and no one want to help me at all and they just say they didn't do anything wrong.

However, based on my understanding, all of these are clear violations of CFPB regulations on Unfair, Deceptive, or Abusive Acts or Practices ( UDAAPs ) examination procedures and on 1006.18 False, deceptive, or misleading representations.

I also feel the mis-presenting of these information is a discrimination towards disabled communities and long covid people, which is definitely not good practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
They are incorrectly reporting the dates for an item they placed on my credit report and will not remove a paid collection from my credit report after telling me if I paid it they would remove it.

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 2023-02-27
Company: Spring Oaks Capital, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not my account never used applied or know what card this is fraud called close remove it never opened this ruin my credit I want off my report please XXXX not right no authorization on there I didnt not apply or open please remove Ive disputed several times called try pay off fake amount this fraud and stealing money I have no idea who XXXX XXXX is thank you please remove Im trying refinance my house

Company response to consumer: Closed with explanation