BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
this debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and i didn't sign an agreement on. A legal contract is signed by two parties and i did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. 

1. **Date of Last Activity : ** There's a discrepancy in the reported date of last activity among the three credit bureaus ( XXXX, XXXX XXXX TransUnion XXXX. It's important for this date to be accurately reported and consistent across all bureaus. 

2. **Payment History : ** The payment history is not consistent across the bureaus. While some months show different late statuses ( XXXX, XXXX, 90 days late ), others show no reported history. Ensuring accurate and consistent reporting across all bureaus is essential. 

3. **Account Status : ** The reported account status seems inconsistent or contradictory between the remarks and the reported payment statuses. The account status should reflect the actual payment history and current situation accurately. 

4. **Closed Date and Account Status : ** There's an inconsistency between the reported closed date and the account status, especially with the remark " Account has been closed due to inactivity. '' It's important to clarify whether the account was closed due to inactivity or as a charged-off account. 

5. **Creditor Remarks : ** The creditor remarks vary across the bureaus, with different statements about the status of the account. It's important for these remarks to accurately reflect the actual circumstances surrounding the account.

6. **Credit Limit : ** There's inconsistency in reporting the credit limit, which should ideally be accurately reflected across all bureaus.

7. **Dispute Status : ** Although the dispute status mentioned is " Account not disputed, '' if there are inaccuracies or discrepancies

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 2023-09-12
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've been reviewing my credit reports recently because I'm trying to put myself in position to get approved for a mortgage. I noticed this company Credit Collection Services reporting a debt of {$130.00}. The thing is I don't know who they are or what they are claiming I owe them. I have sent them letters to which they have not responded and I'm demanding they delete this info from my credit reports. I have never in my life done business with this company and they're reporting otherwise is harassment at the least.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: American First Finance, Inc.
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
An amount of {$35.00} was taken from my checking account, " authorized '' on XX/XX/XXXX and went through on XX/XX/XXXX. This charge took place in a location that I had not been ( XXXX XXXX, MN ). I did not authorize this transaction, so I called Wells Fargo to report fraud. They canceled my card, but on XX/XX/XXXX I received notice by mail that my claim was denied. 

I know for a fact i did not make a charge of exactly XXXX, and that me and my card were in XXXX, MN at the time.

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 2023-09-10
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Dear Sir/Madame, There is information that on my consumer report that is a result of identity theft.I did not provide written permission or instructions for the identified transactions to be reported on my consumer report .I am requesting that the reporting of the information be blocked and deleted .My request to block is not being made in error ; nor is my request to block being in made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.The identified transactions are not information related to any transaction by me as the consumer : CLOSED ACCOUNT WITH NAME XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4days from the date of the receipt of this notice .I look forward to your response. 

Thank you

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 2022-02-14
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Midland credit management. They seized an entire portion of my tax refund. Roughly {$2000.00} which debt collectors can not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: MoneyLion 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: Their investigation did not fix an error on your report

Complaint:
Moneylion Inc Account XXXX is not mine, and should be deleted immediately, and for this reason alone. However, it is clear that this is being falsely reported, and that the information is incorrect thus the account should be deleted for the following reasons : 1.There is pending litigation with this company over predatory lending violations, which demonstrates that this company is unscrupulous at its core. 
2. Across multiple CRAs the account open date is listed differently as XX/XX/XXXX and XX/XX/XXXX XXXX. The stated balance is {$310.00}, but upon looking at the payment history the balance jumps from {$300.00} to {$310.00} on XX/XX/XXXX for no logical reason. 
4. Payment history is reported as none for XXXX, OK/nothing/OK for 11 months then nothing and OK for two months followed by nothing on XXXX, and charge off on XXXX for all months in the same time period with exception of one.

5. High credit is reported differently as {$430.00} and {$500.00} across all CRAs.

6. Past due amount is listed as {$310.00}, but the payment history reflects {$300.00} around the time it was charged off, and the amount that was charged off is listed as {$430.00}. 
7. The date last active is reported as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX across all CRAs. 
8. The date of last payment is reported as XX/XX/XXXX and XX/XX/XXXX across all CRAs.

Not one piece of information is being reported accurately, and this is a violation of my rights under the FCRA. I kindly ask that this account be immediately deleted from my credit report across all CRAs, and any collection efforts now and in the future cease. 

Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-14
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
American Express Blue Cash Everyday card was opened in my wife 's name and an extra card was requested in my name. Instead of opening one account as we thought we were American Express was actually opening two separate credit accounts. They did this under the guise of it being one account but it clearly was not. This is fraudulent behavior on par with what XXXX XXXX did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX Balance : {$470.00}.

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 non-monetary relief
Consumer complaint received 2023-05-22
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: Information belongs to someone else

Complaint:
This is my numerous 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

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 2022-03-23
Company: COOLEY ENTERPRISES INC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I have made 4 requests to XXXX XXXX ( XXXX ) in regards to canceling the service plan for R.O.A.D IN TIRE in the amount of {$1400.00}. I have also requested this to XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) who directed me to XXXX XXXX and CC 'D his supervisor XXXX XXXX ( XXXX ) who has also not responded to this request. 



I noticed they have been receiving my e-mails based on the read-receipts that I requested. I specifically asked that they communicate with me via e-mail as it is my preferred method and will avoid future misunderstandings..

Company response to consumer: Untimely response
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2023-09-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
Company: OneMain Finance Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Consumer Financial Protection Bureau Subject : Complaint against OneMain Financial for deceptive practices and harassment Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against OneMain Financial regarding their unethical and deceptive practices in relation to a loan I obtained from them. I am deeply disappointed and frustrated with their actions, which have caused financial strain and compromised my safety. 

On XX/XX/XXXX, I applied for a loan with OneMain Financial through their online platform. At the time of application, I was not informed about the exorbitant interest rate that would be charged on the loan. This lack of transparency is both unfair and deceptive, as it prevented me from making an informed decision about entering into this loan agreement. 

Furthermore, I would like to bring to your attention the manner in which OneMain Financial has been contacting me. Despite my repeated requests to cease contacting me while I am driving, their representatives continue to call me incessantly, which poses a serious risk to my safety. In one instance, I received a call while I was driving, and the distraction nearly caused an accident. This disregard for my safety is unacceptable and should not be tolerated. 

In addition to the interest rate discrepancy and the incessant phone calls, I would like to highlight the fact that the loan in question was secured by the title of my vehicle. This collateral arrangement has further added to my distress and XXXX. It is deeply concerning to think that OneMain Financial has the power to repossess my vehicle if I am unable to meet their unreasonably high payment demands. 

I believe that OneMain Financial 's practices are not only unethical but also violate the principles of fair lending and consumer protection. I kindly request the Consumer Financial Protection Bureau to thoroughly investigate this matter and take appropriate action against OneMain Financial to ensure that other consumers are not subjected to the same mistreatment. 

I trust in the Consumer Financial Protection Bureau 's commitment to safeguarding consumers ' rights and ensuring a fair and transparent financial marketplace. I appreciate your attention to this matter and look forward to a prompt resolution. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX XXXX XXXX Violated my rights on XX/XX/2021. 

They violated these laws : 15 USC 1692. ( B ) ( 2 ), 15 USC 1692. ( C ) ( A ), 5 USC 1692. ( B ) ( 5 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: Navient Solutions, LLC.
State: SC
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 received an email today stating that there is a payment missing. The email stated that they received the last payment on XX/XX/18 however, according to my records I mailed two payments in XXXX. I complained before but the same thing keeps occuring and I need it to change. Thanks so much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/, I went to Old Navy at the XXXX XXXX XXXX in XXXX New York ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, XXXX : XXXX. After purchasing some clothing, the clerk suggested I sign up for an Old Navyist Rewards Card. I did so, and was told that Id receive the card in the mail the following week. 

On XX/XX/2022, I received an email from Old Navy notifying me that my card ending in # XXXX had been activated. I was confused, as I had never received the card. I then received an email from Old Navy 4 days later stating that the activity on my account might be related to fraud. I immediately contacted Old Navy concerning the matter. 

Apparently, an individual or individuals in the State of Georgia had purchased merchandise totaling {$7500.00} on XX/XX/2022, the same day that I had received the email from Old Navy stating that my card ending in # XXXX had been activated. 

Following this incident of fraud, the XXXX XXXX XXXX XXXX sent a letter asking to collect the debt. Even after I explained it was fraud, they told me all they could do is lower the amount to pay. Since I refused, they told me there was nothing I could do I want to have this form fraud off of my name and be addressed 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 explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: FL
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 these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: EQUIFAX, INC.
State: OH
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:
XXXX XX/XX/2023 I was never late on this account listed above. Please show proof of transaction that I was ever late to support your inaccurate reporting on my account. If you can not supply this please remove this alleged late payment from my credit report. The FCRA allows thirty days for this to be rectified.

Company response to consumer: Closed with non-monetary relief