BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-10
Company: Sequium Asset Solutions, LLC
State: PA
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: Helm Associates
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I XXXX XXXX entered into a consumer credit transaction with B & B Automotive on XX/XX/XXXX, where I got a XXXX XXXX XXXX. The finance charge was {$3300.00}. A year later I then entered into another consumer credit transaction on XX/XX/XXXX, where i got a XXXX XXXX XXXX. The finance charge was {$4200.00}. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 U.S. Code 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges I was not expecting their statement ( bill ). On XX/XX/XXXX i received a bill which is a violation of 15 U.S. Code 1692b.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XXXX, XXXX I obtained a loan to purchase equipment through XXXX XXXX. The loan payments were debited in a timely fashion from my account every month. For some unknown reason, the very last payment, due on XX/XX/XXXX was NOT debited by XXXX and that resulted in a late payment and late fee. The bank account which the payments were debited from has ALWAYS had sufficient funds to cover all expenses. The customer service representative at XXXX was gracious enough to remove the late fee and the account was paid off about on XX/XX/XXXX exaclty 12 days after the last payment was due. The account was later closed on XX/XX/XXXX. 

I'm currently in the process of buying a property and I became aware of a negative hit on my credit score. It seems XXXX XXXX reported my account as being over 30 days past due to Transunion credit reporting agency. My account was absolutely never thirty days past due. Every single payment of the 18 month term was made on time except for the issue in XXXX, XXXX. But it is clear that if the payment was due in XX/XX/XXXX, and paid off on XXXX, XXXX I was never 30 days past due, I filed a dispute with Transunion, and they stated that the company had disagreed and so the derrogative report remains in my credit file. I reached out to XXXX XXXX but have yet to resolve this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: 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: Public record information inaccurate

Complaint:
I have been trying to deal with these bankruptcies on my credit report that does not belong to me. I initially contacted the Bankruptcy Court by phone about information on my petition that is not accurate. Here are the errors : 1. My address on the bankruptcy says : XXXX XXXX XXXX, XXXX GA XXXX and the correct address at that time was XXXX XXXX XXXX, XXXX GA XXXX. 

2. The last four of suppose to be my social is XXXX on the bankruptcy and the last four of my social is XXXX. 

I decided to go by the bankruptcy court and the lady there gave me a copy of my petition. I have attached a copy of the petition given to me by the clerk office. The case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I went into EZ Money thinking I was getting a reasonable installment loan to pay off an emergency bill. I received a total of {$2100.00} and now as a result have an almost {$300.00} biweekly payment, specifically {$270.00} for 15 months total payback {$4100.00} with interest and fees.. I do not want to go into default having trouble paying this back. I am simply requesting for a representative to give me a call to get this resolved in regards to the fees and interest being stopped in order for me to pay this back in payments. I do understand the whole concept of interest and fees, but these are way to high and unreasonable, seemingly to be a legal rip off. I do not wish for this contract to be explained for I feel I am very thorough in what I am asking. Again I ask for the interest and fees to be stopped at this point and whatever has accrued to this point I will pay and for me to pay this back as I borrowed. I also ask for the revocation of all withdrawals and deposits be deleted from account. I do want this to be publish so if there is anyone else out here in a crunch to please go to a bank and get a loan, which the bank makes money off of loans as well but not unreasonably. I could have done just that I now wish I would have because I have an awesome credit score and history and I do not want this to interfere. Again I state cease and desist any and all WITHDRAWALS/ DEPOSITS From BANK ACCOUNT AND INTEREST AND FEES UP TO THIS POINT AND ALLOW SUITABLE PAYBACK. PLEASE HAVE CORPORATE representative CALL ME. 

MY NUMBER IS XXXX, THANK YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting 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:
i checked my credit report and noticed i had inquiries that i didnt make or authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-05-08
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: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-11-30
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan with Caliber was transferred on XX/XX/22 to XXXX ( XXXX XXXX ) with only XXXX weeks notice. I am currently receiving assistance with 18 months of forward payments from the XXXX program which they are aware of. Furthermore, I do believe this is the reason behind being transferred to their affiliate company. However, I did reach out to XXXX and advised them of the transfer and provided them the letter received. My loan # XXXX remained the same. My payments are supposed to be trans to XXXX for up to 60 days received to Caliber. The payment from XXXX for XX/XX/22 has yet to be sent to XXXX causing me to fall delinquent. I am very concerned as this is ultimately in my opinion the reason they transferred the mortgage., to cause more issues. I have heard XXXX is their affiliate company who handles delinquent mortgages. XXXX payment was sent out on XX/XX/22 and has yet to be posted or trans from Caliber and XXXX payment will be sent out on XX/XX/22. No explanation from XXXX as to why or where. No information pertaining to HAF assistance was related to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
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 am complaining about XXXX and TransUnion credit reporting agencies. I have submitted numerous disputes regarding inaccurate information on my credit file to both companies with no resolution. I sent all my disputes through CERTIFIED MAIL WITH RETURN RECEIPT, and have all documentation proof ready upon request for this investigation. I am tired of both of these companies slandering my credit file and defaming my character. The erroneous information that they are reporting is drastically affecting me from applying for credit and from qualifying for a mortgage. Everytime I dispute inaccurate information I get an automatic response stating the accounts are VERIFIED. As far as XXXX my most recent dispute was sent ceritifed mail on XX/XX/19, the company then sent a response on XX/XX/19 stating they will not re-investigate the same disputes because it was already " verified '' previously. The following accounts XXXX # XXXXXXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX and MI XXXX and Govt # XXXX all need to DELETED and REMOVED immediately from my XXXX credit file. Also the bankruptcy on file is inaccurate and needs to be removed. As for Transunion, XXXX XXXX XXXX, XXXX XXXX # XXXX and a bankruptcy all are inaccurate and UNVERIFIED and need to be REMOVED immediately from my credit file. I have also submitted a complaint to the State of MI Attorney General 's office regarding both companies and seek to have this problem mediated in a quick, professional manner. Otherwise, I will proceed with filing a lawsuit against both companies for their willful violations and I will seek compensation for provable and punitive damages I'm entitled to under the law!

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 2023-08-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
i paid my bill XXXX two days later my bill was sent back charged an NSF and an Overdraft fee. Funds were available but 2 days later it was overdrafted due to WF submitting for the service fee of XXXX XXXX. Also during the pandemic i was receiving a stimulus monthly. WF decide they were going to credit me the amount to pay a fee but 6 months later charge me for the amount that as credited which ended up in my account being over drafted and needing to close it. i was put in a financial hardship due to the bank misusung my funds.

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 2022-06-13
Company: JPMORGAN CHASE & CO.
State: NC
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:
Closed the account in XXXX. Have faithfully made payments and brought balance down. Asked for a settlement amount because I have paid debt and now only have fees. Fees have taken balance that was below XXXX back up above XXXX. This is extremely unfair treatment since I have paid the debt and wish to have the account closed. Called today and was given an extremely difficult time while attempting to get a pay off amount. XXXX XXXX refused to do anything except ask me if he lowered the monthly fee could I pay. The answer is no. I have paid that debt and now they are just ruining my credit for fees and extras. Furthermore how is it even legal to refuse? Even, ore insulting was his repeated question as to why I could not afford to send them XXXX dollars per month. This economy is horrible. We are surging from a pandemic and he thinks I should pay XXXX dollars a month for life! How can it not be paid in full since XXXX? I have paid them even lump sums!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 act XXXX XXXX  XXXX XXXX # # # # XXXX # # # # XXXX has violated my rights Kick off account # # # # XXXX XXXX XXXX  account # # # XXXX XXXX XXXX # # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U S C 1681 section 602 A I have the right to privacy 15 U S C 1681 section 604 A section 2 a consumer reporting agency can not furnish a account with out my 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 non-monetary relief
Consumer complaint received 2023-03-27
Company: Experian Information Solutions 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:
This is my 6TH 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Addresses not belonging to me reporting to credit bureaus.

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 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 2021-11-24
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: Their investigation did not fix an error on your report

Complaint:
These accounts must be DELETED. Equifax has NOT send ANY PROOF OF VERIFICATION or ORIGINAL DOCUMENTS with SIGNATURE OR ORIGINAL CONTRACT of these accounts. Equifax is violating my consumer rights by reporting false information on my credit report. 
These accounts below must be deleted. 

1 ) .XXXX XXXX  XXXX Account XXXX XXXX Balance : {$1900.00} ( This account is reporting for more than 10 years ) Must be deleted XXXX ) .XXXX XXXX XXXX XXXX Account XXXX Balance : {$9100.00} ( This account is reporting for more than 10 years ) Must be deleted These two accounts listed above Must be DELETED. Equifax is reporting these accounts for almost 10 years now on my credit report. I have sent multiple documents in mail to Equifax showing that these two companies DO NOT HAVE ANY ACCOUNTS on file with my name on it or any documents with my signature on it. Equifax must Delete these accounts off my credit report because these accounts have been on my credit report for over 10 years now. By LAW, the credit bureaus are only allowed to list negative items for a certain amount of time. These accounts MUST BE DELETED NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: BANK OF THE WEST
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I tried to take out XXXX dollars from my bank of the west account using a XXXX XXXX ATM. I did not receive the XXXX dollars and bank of the west said they did a dispute but they said there was no error. I never received the XXXX dollars and now neither bank will help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: EQUIFAX, 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:
On XX/XX/2021 I checked my credit report. Only to find lots of incorrect and fraudulent information on my credit report. I immediately called XXXX Equifax, and XXXX to have the inaccurate and fraudulent information removed. I was informed to put something in writing, along with a FTC report that needed to be submitted, my Drivers License, and one current piece of mail to validate my true identity along with address. I followed the direct orders give by each representative and nothing has changed on my report. I mailed another letter on XX/XX/2021 with another request to have the inaccurate items removed, along with their Method of Verification. I got my credit reports on XX/XX/2021 from XXXX, XX/XX/2021 from XXXX stating their fraud department flagged my documents as fraudulent. I am just disappointed and upset the system they are using to verify documents is out dated and is causing my credit integrity to be compromised. They have disregarded the consumer laws and have shown a lack of correct reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting 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:
I DONT RECOGNIZE THESE INQUIRIES XXXXXXXX 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 explanation