BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting this CFPB complaint to you today to request that you remove the accounts and information I found on my Credit File that do not belong to me. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Accounts and XXXX. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC and in accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need you to remove the following accounts and information completely from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have read that under the Fair Credit Reporting Act section XXXX, you are required by law to remove any accounts and information that resulted due to identity theft, please do so.

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 2022-12-21
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$19000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: OH
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 recently received a copy of my credit report and found that you are illegally reporting inaccurate noncompliant, and false information about me. The following alleged accounts are listed as a collection with a PAST DUE BALANCE. 

Account Name : XXXX XXXX XXXX, Account Number : XXXX Past Due Balance : {$630.00} Account Name : XXXX  Account Number : XXXX Past Due Balance : {$430.00} Account Name : XXXX XXXX Account Number : XXXX Past Due Balance : {$99.00} Account Name : XXXX XXXX Account Number : XXXX Past Due Balance : {$840.00} Account Name : XXXX XXXXr Account Number : XXXX Past Due Balance : {$1000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Past Due Balance : {$450.00} This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards.

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLINANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my 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 explanation
Consumer complaint received 2020-07-02
Company: ALLY FINANCIAL INC.
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Ally bank closed my savings account for no reason at all. I did not request this. All of my savings are missing and I can not access them. Then when I contact the bank, after speaking with 2 agents, they claim that all they can tell me is that a letter is being sent to me and that I may receive a check in the mail. I am so livid and distraught. People keep their money in the bank for it to be safe! Where is my money??!! Why was this done?? 

I will begin looking for a new bank. This bank needs to be thoroughly investigated and shut down. There is a lot of fraudulent, unethical behavior going on with this 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 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX : In conjuction with previous CFPB complaints Under the law/following you are in violation : Reporting my transactions or experience ( utilization ) FCRA 15USC 1681a 2A *** *The need of MY written consent to report Anything and MY right to privacy 15 USC 1681b Permissible Purpose of Consumer Reports ( a ) ( 2 ) ******* And Damages/Defamation of character/ Negligents 1.Civil liability damages violation for {$1000.00} pursuant to FCRA 616 ( a ) ( XXXX ) ( B ) [ 15 U.S.C. 1681n ] My late payment, remarks, Account status etc ESPECIALLY legally should not be on my report anymore AS YOU PREVIOUSLY AGREED.nor should the details of our agreement. If you feel this is an error and the violations don't pertain to you please send me a letter in details explaining why and BACKINGit with laws that override the above i stated...

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 2018-11-03
Company: ZARVAD III S.A.
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2018 I went online to acquire a short-term payday loan. Mypadayloan.com phoned me in minutes of hittingbthe send button. The rep from that company disclosed the terms of the {$500.00} loan. I would pay {$120.00} for 6 pay periods and on the last payment, I would be charged an additional {$150.00}. I signed that contract that day. When I went to print the contract, there was a different contract with different terms of which I didn't sign. I called the company on Monday, XX/XX/2018 when the funds were disbursed into my account bringing to their attention those weren't the terms that were disclosed to me, and where was the contract that I signed. I was assured not to worry that {$120.00} Would be deducted by ACH from my account. The first payment was to be withdrawn from my account on XX/XX/XXXX. On XX/XX/2018, there was a check that MYPAYDAYLOAN had devised to withdraw {$150.00}. I immediately called them and stated those weren't the terms that I agreed to, and was told because I didn't call two days prior, there was a late fee added. This is when the dispute started. This company started to call my place of employment of which I clearly stated upon initiation of the contract, to not contact me there. That request fell upon deaf ears as they called me two more times at my place of employment, and I had to tell them that I would file a complaint with the attorney general 's office if they called my job again. I'm going through some dire financial problems and informed them of that by sending several emails. Two or three times per day, a different person would call from different phone numbers representing this company. They called me so much that one day at my job, I began to sob uncontrollably due to the stress MYPAYDAYLOAN had inflicted upon me with the numerous calls. I told them in good faith they gave me the {$500.00} and I did want to settle but on the original terms. I've paid them {$150.00}. They are saying I owe them an additional {$1200.00}. I then began to investigate their company to find they are scam artists. They told me they have sent all this information to my credit files, as well as to XXXX, whereby preventing me from all check writing. No scam artists should have the ability to ruin a consumer in such manner. Your prompt attention regarding this matter is greatly appreciated. 

Kind regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
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: Information belongs to someone else

Complaint:
I had my credit ran today XX/XX/20 because I'm trying to refinance my house but I was unable to do so because there is an account from XXXX XXXX for an amount of {$1200.00} in negative standing appearing on my credit. This account does not belong to me and I never allowed anyone to open this account in my name. I do not have any written/verbal contract with this company nor did I benefit anything from this account such as money, goods, services or any other benefit and I never made payments towards this account. I am not affiliated to this company in any way and I have never authorized them to run/access my credit. I have already filed a police report regarding this suspicious account in hopes of getting it resolved.

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 2022-12-21
Company: WELLS FARGO & COMPANY
State: AE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I had no idea your agency existed until I read the Wells Fargo article today. My house was foreclosed in XXXX of XXXX. The address of the home is XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX. I was stationed in XXXX XXXX during foreclosure sale as XXXX XXXX XXXX supporting the XXXX Forces XXXX. I have been assigned to the XXXX Forces in XXXX in XXXX. During XXXX XXXX, my renter refused to pay rent and I had serious car accident in XXXX. Wells Fargo only notification about the foreclosure to me was a notification. Due to travel restrictions at the time and XXXX, I was unable to deal with the foreclosure. Wells Fargo never contacted me to let me know about the foreclosure of the house. Wells Fargo sold the house for more than the loan and I never received the money from the sale. 

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 2018-07-11
Company: Exeter Finance Corp.
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 information incorrect

Complaint:
Exeter Finance is reporting an account in the amount of XXXX to credit bureaus. The account was charged off in XX/XX/XXXX with a balance of {$13000.00}. The vehicle was sold for XXXX. The cost of repossession was approximately {$1100.00}. The company starting charging interest on the account after it was charged off and closed with out sending me any detailed statements about the interest. The company reported this account in XX/XX/XXXX with an amount of {$9100.00}. They kept charging interest until XX/XX/XXXX when the amount reached {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
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 had my credit ran today XX/XX/20 because I'm trying to refinance my house but I was unable to do so because there is an account from XXXX XXXX for an amount of {$1200.00} in negative standing appearing on my credit. This account does not belong to me and I never allowed anyone to open this account in my name. I do not have any written/verbal contract with this company nor did I benefit anything from this account such as money, goods, services or any other benefit and I never made payments towards this account. I am not affiliated to this company in any way and I have never authorized them to run/access my credit. I have already filed a police report regarding this suspicious account in hopes of getting it resolved.

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 2022-03-30
Company: RAS LaVrar, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
RAS LaVrar, LLC., representing XXXX XXXX filed a small claims action against me last year in XXXX XXXX XXXX Florida XXXX Managing partner, XXXX XXXX is the attorney of record for Plaintiff. During the on-going litigation, LaVrar has willfully failed to make discovery, has TWICE failed to appear at hearings, has had illegal ex-parte communications with the judge, ( who has now recused herself, but is still getting a XXXX Complaint anyway ). In response to my Request for Production of Documents, LaVrar submitted a production file with over 135 pages of meaningless, non-responsive documents and further raised meritless, boiler-plate objections to the majority of the Requests, all of which were for discoverable evidence. Litigating in bad faith and engaging in dilatory stalling tactics violates several of the Rules Regulating the Florida Bar governing lawyer conduct, in particular, Bar Rule 4-3.2 requiring lawyers to expedite litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have charges on my HOME DEPOT credit card in the amount : XXXX - purchase was made on XX/XX/18 XXXX - purchase was made on XX/XX/18 XXXX - purchase was made on XX/XX/18 XXXX - purchase was made on XX/XX/18 XXXX - purchase was made on XX/XX/0818 I called the credit card company ( HOME DEPOT ) and reported unauthorized charges. 
They competed investigation and concluded that I am responsible for this charges, that I have made all these purchases. 

But I was out of COUNTRY on XX/XX/18 and I can prove it : I have an electronic ticket and stamps in my passport, I was in XXXX on XX/XX/18 the whole day and I also have a proof of it. 

This clearly means that I can not make any purchases on XX/XX/18 and XX/XX/18. I called the credit card company more than a month ago and told them about it ( that I was out of country and town ). They still did not respond to me ( more than a month ago ), but it is clear for me and for  everybody, except Home Depot company, that I can not physically make these purchases. It looks like they just disregarded my statements and still believe that I am responsible for these charges.

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 2022-12-21
Company: EQUIFAX, INC.
State: OH
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:
Submitted identity theft report. 
Update my information to all XXXX credit platforms.Information should read XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have no other allies Requested name variations outside of name listed above be removed. 

Requested all soft and hardinquiries be removed from credit profile Request all inaccurate information about my accounts be removed Request proof of debt from all collection debtors on my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Experian Information Solutions Inc.
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:
There are several incorrect items that are reporting on my credit file : Incorrect Address information : XXXX XXXX XXXX - ( XXXX ) XXXX XXXX ( XXXX and Experian ) XXXX XXXX XXXX ( Experian ) The following items are reporting in error or as a result of identity theft : XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX Bal. {$620.00} ( XXXX, XXXX, and Experian ) XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX Bal. {$290.00} ( XXXX and Experian ) XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Bal. XXXX ( Experian )

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 2022-07-25
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The credit Card was issued by XXXX, Account Number Ending In : ( XXXX ) in the Balance of {$3700.00}, and the account was sold to Midland Credit, with the help of XXXX the account was negotiated and settled on XX/XX/2021, in the total of {$1800.00}. 

Midland Credit shows this amount under collection in my credit report, I tried to resolve this issue but unfortunately getting no where,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
These accounts have led to the deterioration of my credit score and have directly resulted in my current living situation in a shelter. The following collection accounts, which do not belong to me and were not authorized by me, have severely affected my financial well-being : 1. Account Name : XXXX Account # : XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX 2. Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX Balance : {$700.00} Date Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX Account # : XXXX Balance : {$78.00} Date Opened : XX/XX/XXXX 4.Account name : XXXX XXXX Account # XXXX Balance : {$8800.00} Date open:XXXX 5.XXXX XXXX XXXX ( Original Creditor : XXXX ) Account # XXXX Date open : XX/XX/XXXX Balance : {$380.00} The inclusion of these inaccurate and unauthorized accounts on my credit report is a clear violation of the Fair Credit Reporting Act ( FCRA ) Sections 611 and 623. These entries have not only damaged my credit score but have also adversely affected my housing prospects, preventing me from securing a suitable apartment and forcing me into a shelter.

I demand an immediate and thorough investigation into the origin of these accounts. Should this matter not be resolved in a timely manner, I will be compelled to seek legal action against the involved parties, including both the creditor and the credit bureaus. Furthermore, I hold the right to pursue damages for the financial and emotional distress caused by the negligence and violations of the FCRA.

I request the immediate removal of these accounts from my credit report and a written confirmation of the removal within the time frame required by the FCRA. Enclosed, please find copies of my credit report sections highlighting the disputed accounts and any additional supporting documentation.

Your prompt attention to this matter is imperative, and I trust that you will handle this dispute with the urgency it deserves.

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 2018-06-23
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XXXX XXXX XXXX Complaint # XXXX Response Date XX/XX/18 Issue is that I was charge a high fee of over {$14000.00} I call them and told them I disputed the high fee for deferred payment I had. 
They act I cant dispute the amount. I want the loan put on hold until the documents and a clear understanding is to the loan. 
XXXX XXXX XXXX did not resolve my issue with my complaint and when talking to them you get pass around from one person to another.

Company response to consumer: Closed with explanation