BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-22
Company: EQUIFAX, INC.
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:
Fruad Accounts Appearing On All Three Credit Reports at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Hatfield, Inc.
State: KS
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Other advances of future income
Issue: Unexpected fees

Complaint:
I asked this company to cancel my subscription. I have called this company multiple times and no one answers and they direct you to an bot to chat with. I told this bot to cancel my subscription and now Im having money stolen from my bank account. This is fraud. I try to email them and it sends you back just an auto email message with nothing to do about your issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am intrested in disputing all incorrect information on my credit report with Equifax. checking my credit profile ive noticed a lot of invalid data that is hindering my file. please update all information listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
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 information incorrect

Complaint:
XX/XX/2023 I submitted a dispute an account that's on my credit report I also reached out to the credit card companies for validation of debt and they have refused to do so. Each time I dispute the accounts instead of removing them they add late payments or adjust the payment history/dates on the accounts. 
XXXX XXXX XXXX XXXXXXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA.

I have been researching and looking up my rights as a consumer I am entitled to protection under FCRA law section 623. I am entitled to a reasonable investigation. My rights under 15 USC 1691, 12 CFR 1022.41, 12 CFR 1022.42 they creditors reported information with actual knowledge of errors, 15 USC 1681s-2 have been violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello, I received a decline from a an apartment in DC. The reason given was Guarantor required. As per my XXXX XXXX report all of my accounts are open and paid on time and my score was a lot higher on XXXX XXXX then on Transunion. I received a copy of the rejection from the leasing agent indicating my scote to be approximately 7oints lower .Also, I have yet to receive a copy from Transunion explaining the specific reason I would require a guarantor. I have attempted to contact Transunion via telephone and have not been able to get through.

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 2019-01-23
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
A while back we had contacted Wells Fargo because we had fallen behind alittle not by much but my wife wasnt currently working so we decided to try to do a loan modification to lower our payment to make it easier for us, we spoke to someone on the phone and specifically asked can we still make payments during the process and they told us no which we didnt understand, but we went along with it thought we were starting the loan modification process, but every time we tried to contact someone the voicemail was full so you couldnt leave a message or when you would finally get a hold of someone that person doesnt work there anymore so we would have to submit more paperwork and start over again this happened twice. During the what we thought we were doing a loan modification we recieve a letter in the mail saying we have a law day and we werent even aware that we were in danger of facing foreclosure because we never received anything before that, so we hire a lawyer and stop the law day and finally get some where with the loan modification mind you now we are so far behind because they told us not to make a payment when we thought we were doing a loan modification the first time.. so everything is settled they say we can do a trial period which we made all three payments over the phone and the last payment I asked the lady what happens next she said you get something in the mail to sign so that is the permanent Payment so we said okay and then all of sudden we get a letter again saying we were never doing the trial and we never made payments and that they were persuing the foreclosure so now we are back at the beginning again but now we are more angry then we were before and now we want to sue them, we need an attorney to sue them for all the stress and pain they have caused us health wise due to stress.. so that is where we are at right now

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 2023-09-11
Company: A.R.M. Solutions, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX repeatedly harasses me for XXXX XXXX payments that are not overdue. Starting in XX/XX/2023, the company began calling and sending me letters for overdue payments that were not overdue. In XXXX, the payment owed was posted on the portal on XX/XX/2023. I paid the bill via the portal on XX/XX/2023 and received an email confirmation. The next day, I received a phone call telling me my bill was overdue and needed to pay the balance. I explained to the rep that I paid and received an email confirmation for payment. I spoke with an account manager about it later that week, but still received a notice about a week after that, indicating that my payment was overdue. I checked the portal and I still did not have a payment due and the next bill was not posted. On XXXX XXXX, the next payment was posted and I paid it on XX/XX/2023 with email confirmation and the payment showing in the billing history. About ten days after this I received another notice that this payment was overdue. I receive no notices when these payment due notices are posted and I'm still paying promptly. The payments on the portal are not visible when they are posted as I checked it a few days prior to my XXXX payment and did not see it. I paid it as soon as it was visible. I submitted a complaint with the XXXX XXXX XXXX  on XX/XX/2023 about these practices. This is the initial response that I received : " Since you have elected to forego auto-pay, this does increase your chances of being notified of a past due bill since these bills have not been paid on time since XXXX. I can assure you that you are not, at this point, being dinged or reported to any credit bureau agencies. '' However, today, XX/XX/2023, I received a notice from a debt collector ( A.R.M Solutions ) that I owe {$34.00} as of XX/XX/2023. However, this was paid on XX/XX/2023 ( 7 days after being posted ) and I currently have a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
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: Credit inquiries on your report that you don't recognize

Complaint:
My identity has been compromised I'm a victim of identity fraud. Please remove these inquiries from my credit report. 

XXXX, VA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX Location XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Inquiry Type XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Phone Phone number not available Inquiry Type IndividuaXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Phone ( XXXX ) XXXX Inquiry Type IndividuaXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX CA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX  via XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX OH XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXXXX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX TX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual

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 2023-09-21
Company: Experian Information Solutions Inc.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have attached supporting documents that substantiate my claim. Your prompt resolution of this matter is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
Company: Experian Information Solutions 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:
Account # XXXX company name XXXX. Reason reporting late payments on my consumer report is in violation of my consumer rights. 15usc6801 15usc6802 Consumer reporting agency name : 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 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In violation of fair credit reporting act.I have the right to privacy.I did not give permission to report on my credit reports.the following accounts are in violation remove all the following accounts.account # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: NC
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:
I have a auto loan for a car with XXXX XXXX. XXXX XXXX  had my incorrect address on file, they was sending my mail to a Virginia address, that I never lived at. I just got that Virginia address removed from XXXX, XXXX and Equifax account. I had to call to and update my address for that account. 

In accordance with the fair credit reporting act convergent Account # 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 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: FISERV INC.
State: CA
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:
On XX/XX/XXXX I had multiple charges on my account that I did not make, totaling {$820.00}. I contacted my bank on XX/XX/XXXX and filed a dispute with XXXX  XXXX XXXX, Money Network. They denied my dispute so I filed an appeal with proof that I could not have been present at the time of purchase as I was at work. They never contacted me and when I reached out they stated that the denial stands due to the purchases that were made, despite the evidence provided.

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 2023-01-07
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/XXXX I deposited a check of XXXX by a gentleman who owed me about XXXX as part of a consent order. 
The check was dated XX/XX/XXXX. 
The gentleman issued the check from his account at Wells Fargo Bank in Georgia and I was informed that when my check was cashed there was enough money in the gentlemen 's account. 
My bank, XXXXXXXX XXXX in Arizona did not accept the deposit and when I called XXXXXXXX XXXX  I was informed by the customer service that I had to deposit the check at the teller of my XXXX XXXX in XXXX XXXX since the check was older than 30 days. I did that on XX/XX/XXXX. 
Apparently the gentleman who wrote the check had by that time overdrawn his account at Wells Fargo and on XX/XX/XXXX I was informed that the check was returned. 
I was upset because of three things. 
1. Non payment of a legal obligation.

2. The fact that XXXX customer service informed me in one call that a check that is older than 30 days had to be presented in person ( I could not find that in any agreement ) 3. The fact that XXXX customer service in a later telephone call inform me that a check gets stale after 3 month ( my understanding from XXXX documentation is that it is 6 months ). 
4. That XXXX charges me XXXX for a uncovered check. 
When XXXX had just processed my deposited check I would not have been out of the XXXX and would not have to pay the XXXX 
I would appreciate if you could tell me if my understanding is correct. I am sure that neither Wells Fargo ( who is known for not always proper behavior ) neither XXXX will give me the full story.

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 2023-09-19
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/, I checked my Credit Report and saw a late marked from TD Bank. I looked online and couldn't see the account in reference. I went into the branch and they admitted that my new business credit card was not linked to my customer profile to make any payments until fixed at the TD Bank branch yet they still auto 30 day lated to Credit Report. The manager called the collections department together with me to attempt to get it removed but fell short of getting it done. Collections stated that I need to open a case for it was out of their hands.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-07
Company: Experian Information Solutions 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: Investigation took more than 30 days

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. 


XXXX XXXX XXXX XXXX - {$8700.00} HAS VIOLATED MY RIGHTS UNAUTHORIZED INQUIRY : XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS XXXX XXXX  HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS XXXXXXXX XXXX XXXXAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS XXXX XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-09-06
Company: AMERICAN HONDA FINANCE CORP
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Upon reviewing my credit report I was surprised and shocked when I saw a late payment! I don't have any idea how this could have happened. The report doesn't even show a date so I don't even know when this supposedly happened. I always make my payments when I receive the statements. The statement must not have gotten to me somehow.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am writing to dispute the inaccurate and unverified collection accounts that have been reported by XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX , and XXXX XXXX XXXX on my credit report. I believe that these creditors have violated the Fair Credit Reporting Act ( FCRA ) by failing to provide accurate information to the credit reporting agencies. 

I am deeply affected by these inaccuracies, and it has caused significant harm to my credit history and financial well-being. These incorrect entries have made it difficult for me to obtain credit or loans and have caused unnecessary stress and anxiety in my life. Despite my repeated attempts to resolve these issues with the creditors, they have failed to take any corrective action. 

I request the Consumer Financial Protection Bureau ( CFPB ) to enforce the legal protections that are in place to ensure that creditors report accurate information to the credit reporting agencies. It is essential that the creditors comply with the FCRA, which requires them to provide accurate information and investigate any disputes raised by consumers. 

I urge the CFPB to investigate these violations and take appropriate action against these creditors. I also request that the creditors remove these unverified collection accounts from my credit report, as they have no basis in fact. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, 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