BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-05
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received my report in the mail and noticed multiple inaccuracies. I have disputed this account ( XXXX XXXX XXXX XXXX ) time and time again. I have advised them that the account is reporting inaccurately. The account is reporting inaccurate amounts. The account balance has n't changed for 2 years when payments have been made monthly! i requested verification on how the company was verifying that the account is reporting accurately and Experian has not provided that information. And now the company has completed yet another fraudulent act they have changed the account balance from XXXX to XXXX. I have advised Experian over and over and have not received any relief for this account it needs to be removed from my credit report. it is reporting different information to each credit bureau which is a major violation. I have also disputed MULTIPLE times both XXXX XXXX XXXX  accounts ( XXXX ) the are reporting inaccurate payment history and also reporting different information to each credit bureau i also requested Experian to provided how they verified the account as reporting accurate and they have yet to provide that information.This account needs to be removed ASAP The next account is XXXX XXXX ( XXXX ) I have NEVER done business with this company. I have told Experian that multiple times and still they advise that the company has verified the account and i have requested proof of verification and i have not received that either. Also a closed account can not report as late!. This account needs to be removed ASAP

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 2023-10-25
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
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.

15 usc 1681 complete and accurate information Creditor reports that account is past due XXXX by two payment and its not the balance reflects XXXX when its XXXX also attach the account information I see upon my account with the payments

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 2017-05-05
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am in need of assistance in straightening out my accounts with your organization. I have called multiple times and get the same answer yet my balance is not corrected! I keep getting told it will b e 5-7 b usiness days to fix the issue.its been nearly  2  weeks and my Stafford loan balance is still not correct. I made an extra {$700.00} payment to the  Stafford Loan  specifically and someone there arbitrarily decided to split the payment between the accounts!   XXXX   XXXX    XXXX  verified the payment was sent, yet the Stafford account is still today NOT showing the correct balance of {$1300.00}.   I noticed today a class action lawsuit is in the works regarding this same type of issue! This needs to be fixed and shouldnt take fifteen calls to your call center in the  XXXX  and the aggravatin g 3  minutes it takes just to connect to a live person!   PLEASE HELP!      XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-09-01
Company: Experian Information Solutions Inc.
State: NY
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:
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 explanation
Consumer complaint received 2021-06-11
Company: Servatus Corporation
State: GA
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 received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account Credit Solutions {XXXX} I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX XXXX XXXX. 
My only social security number is : XXXX My only and correct date of birth is : XXXX My only employer is : XXXX My only phone number is : XXXX Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office XXXX and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely, XXXX XXXX XXXX. Driver License, SSN Card, and Proof of Residence

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-05
Company: EQUIFAX, INC.
State: CT
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:
I was denied from a lender for " too many inquiries '' on my Equifax Credit Report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquires on my Equifax Credit report that I DID NOT authorize and had no knowledge of. I contacted Equifax Immediately and was given no relief. I also have a fraud alert already placed which should have avoided any future issues. Please see the following inquires that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason : 1.   XXXX   XXXX    XX/XX/XXXX   2 .   XXXX   XXXX   XXXX   XXXX     XX/XX/XXXX   3.   XXXX   XX/XX/XXXX  4.   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX   5.    XXXX   XXXX    XX/XX/XXXX  6.   XXXX   XXXX     XX/XX/XXXX  7.   XXXX   XXXX   XXXX    XX/XX/XXXX  8.   XXXX   XXXX     XX/XX/XXXX  9.   XXXX   XXXX    XX/XX/XXXX  10.   XXXX   XXXX     XXXX     11 .   XXXX   XXXX   XXXX    XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Ive mailed in XXXX certified letters stating that the address is wrong and could it please be removed I sent in several documents with correct address but yet it still remains I call in and they are XXXX tells me its staying on my report and I dont need to call back cause they are not changing it, like what how is that possible, please help, this wrong address is hindering me from getting my credit on the right path, this is really hurting me and my XXXX life I cant get the job I want the car I need or the house I want because of this wrong information injuring my 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 explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 HAVE CALL TRASUNION THEY HAVE THE DOCUMENT!!! 
IS HAS BEEN OVER 30 DAY AND STILL HAVE NOT DELETED THOSE FRUAD INQUIRIS. THEY KEEP RESPONDING THEY WORKING ON IT. BOUT HAS VIOLATED THE 30 DAY RESPONDE OR DISPUTED TIME.THEY HAVE NOT DELETE THIS FRUAD INQUIRIS SHOWING HERE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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  XXXX : XXXX - XXXX XXXX : XXXX XXXX XXXX XXXX : 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 604 A Section 2 states a consumer reporting agency can not furnish an account without 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 2021-06-11
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account with Wells Fargo 2 weeks ago using MY DRIVERS LICENSE and they used my physical address on there to open the account. I asked my mail to be forwarded to a PO BOX on a military base and they discriminated against me and lied to their bosses and told them I never had a physical address. ATTACHED is my DRIVERS LICENSE that proves they in fact did receive but chose to ignore it in order to deny me membership at their bank. Also attached is the letter they sent to lie and try to confuse me from the fact that they did lie and ignore my DRIVERS License address. The rep said it with his own mouth. I can use your physical address for the account and your P.O. Box on the base as your mailing address while you are temporarily here. He then told the XXXX woman something entirely different and they refused to fix it when I went into the branch and told them the mistake they made. The woman with XXXX was XXXX XXXX XXXX and tried to insult me for no reason telling me that I didnt belong at their bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
In XX/XX/XXXX, I had a car financed through Credit Acceptance Corporation and it was declared totaled in XX/XX/XXXX by the auto insurance company. The insurance company paid the payment for the car. I spoke to a Credit Acceptance Corporation representative ( with a nasty demeanor ) in XX/XX/XXXX. I told him that I did not believe I did not believe I owed any more funds on the vehicle because the loan was paid off early. The representative stated that I still had a balance due. I inquired about the Extended car warranty and the Gap coverage that was added to the loan and was it pro-rated and removed from the balance. He mentioned that was the gap coverage was removed & I was issued a credit towards the balance due only. I requested a verification and statement of transactions and the amount that is due. He said he would email it to and verified my email address. Credit Acceptance Corporation does not mail me any statements or communications regarding this car loan and never have. As of today, XX/XX/XXXX, I have yet to receive any mailings or emails from the Credit Acceptance Corporation regarding the auto loan, however, they call me daily requesting payment for a vehicle that was paid off by the car insurance company. and they are reporting the loan is delinquent to all credit bureaus. If I owe the loan after it was paid off, why won't they send me written documentation of the balance due and details of the payments they received? How could this company harass a customer for payment without validating or verifying the debt when requested and report derogatory information 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 2022-12-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: Western-Shamrock Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On my second payment, I called to make it early, and the lady said their machine was acting up and double charging people, so she could n't take my payment. I went out of town the next day for work for 20 days. I did n't take my card because I did n't want to lose it, and we got per diem for work, so I did n't need it. I called yo pay when I got back yo town and they were charging late fees. I explained that I had no problem with paying, but I was not responsible for the fees because I tried to pay early. He said they would n't take the fees off, so I said i was n't going to pay. The problem comes when they continuously call my mother, my reference, and do not call me. I told them on  XXXX   XXXX  to call me, and they called her again today  XXXX   XXXX . The guy just laughs and tells me i need to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Empower Finance, Inc.
State: TN
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Earned wage access
Issue: Confusing or missing disclosures

Complaint:
I closed and deleted my account with empower after paying debt off in full. I asked the company to remove my personal banking information. Which included two separate banks XXXX & XXXX with checking account and a credit card with the information. The company has refused too and bribing me to resubscribe to the services to remove my information. However once you resubscribe to the service youre not able to remove the banking information due to the subscription. Im no longer a customer with them however I have received multiple emails from representatives explaining they are legally able to retain my banking information. I have read the terms of service and policies. I did not find a statement that verify this information for close/ delete accounts. I asked the representative to provide me proof of the legal authority to do this. The only information provided was for existing accounts/ customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: M&T BANK CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2022, I attempted to open an M & T Bank MyChoice Checking Premium Checking account online. I made it through the application and created a user ID & password, but was then told that the account could not be opened online and that I should visit a branch. I never did visit a branch and considered the matter closed. Then in XXXX, while visiting my parents for XXXX, they gave me a letter from a collection agency stating that M & T bank had, in fact, opened an account in XXXX, been charging me a monthly fee, and then turned the account to collections. In the initial application, I provided M & T bank with my XXXX XXXX box location in XXXX, XXXX For my physical address, I used my parent 's address since this is the address on my driver 's license. Any mail on this account should've been sent to the mailing address I included in the initial application, not the physical address I only visit a few times per year. This is a secondary point, though, since I was never properly informed that the account was, in fact, opened. I have yet to receive an email, call, or text from the bank concerning this. The only correspondence I ever received was to an incorrect address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Shellpoint Partners, LLC
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My morgage transitioned from XXXX XXXX who received my final mortgage payment before the transition to New Rez. This " XX/XX/XXXX '' payment was made late XXXX. So I did not send my XX/XX/XXXX payment to New Rez ( I did this under direction of XXXX XXXX ). XXXX XXXX did not account for this in the transition and they have stolen my mortage payment. Otherwise New Rez after numerous calls and a formal complaint submission by myself with banking transactions, continues to regard my automated timely payments as LATE. This has resulted in four credit report penalties and my score has dropped XXXX points. I have been promised this accounting will be resolved however they still keep ruining my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation