BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-15
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: Account status incorrect

Complaint:
It has come to my attention that XXXX XXXX is reporting an Account on my Consumer Report without my Consent. Trans Union XXXX and the Reporting company known as XXXX XXXX is obligated by the FCRA to report accurate accounting. Consumer has advised that ALL the Inquiries reported was Fraud said company have 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed Authorized by the Consumer, XXXX has 15 days to provide me with the name ( s ) of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is NOT asking for an XXXX Report. If XXXX does not have documentation to show these were in fact authorized it must be removed ASAP. SAID company is Liable under SEC to follow certain rules.

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 2023-12-01
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:
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 Account number XXXX in the amount of {$1400.00}, has violated my rights. XXXX XXXX Account number XXXX has violated my rights. XXXX XXXX Account number 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 if 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 2023-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
My unemployment card with Bank of America EDD has several disputes ( XXXX for {$5200.00} and XXXX for {$5100.00} ) that has been taking awhile with no new updates or indication theyre being worked on so I would like the bank to work and finish these claims to credit me money that I lost back as they did with my other claim for 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 monetary relief
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
XX/XX/2023, I asked that the name of my current employer be updated. The credit reporting agency did nothing.

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 2023-10-10
Company: Harley Davidson Financial Services Inc
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
HARLEY DAVIDSON FINANCIAL keeps putting a new account and account balance on a debt that was included and discharged in a bankruptcy and title has been released. 

XX/XX/XXXX a petition for bankruptcy was filed that included the loan for HARLEY DAVIDSON FINANCIAL, the loan was paid off for full amount through the bankruptcy and discharged in XX/XX/XXXX. HARLEY DAVIDSON FINANCIAL released the title to me and the motorcycle has been sold. Due to the debt being over XXXX years old it had been removed from all XXXX credit reports at which time HARLEY DAVIDSON FINANCIAL reported it back as a new account being opened with a balance. I have disputed the account numerous times with the credit bureau, and they remove it just to have it reposted by HARLEY DAVIDSON FINANCIAL. I have spoken with HARLEY DAVIDSON FINANCIAL on XXXX separate occasions and have been told that it should be removed and not be reposted and that they would take care of it. The new account being posted has negative remarks and drops my credit score by XXXX points each time, due to debt being discharged by a bankruptcy no negative remarks or actions are supposed to be posted on credit reports and HARLEY DAVIDSON FINANCIAL is repeatedly doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 and # XXXX XXXX XXXX have violated my rights. 

15 U.S.C. 1681 section 602 A status, 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 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 2021-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
On XXXX/XXXX/2020, I mailed a letter requesting an investigation of inaccurate accounts showing on my credit report. It has been almost 2 months and I still haven't received results of an investigation.

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 2021-01-01
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX XXXX sent the credit reporting agency the banks copy of the canceled checks but there still show ever payment 90 days late

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 2023-01-15
Company: EQUIFAX, INC.
State: CA
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 and # XXXX XXXX XXXX have violated my rights. 

15 U.S.C. 1681 section 602 A status, 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: Self Financial Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
I currently have an account with Self XXXX XXXX. I look at my Credit report from XXXX  on XX/XX/2021 and it stated by Balance decreased by {$21.00}. I then, called XXXX  to find out why my score decreased. The customer service rep mentioned she not sure why this happen it should not happen. She stated im on time with my payment and don't owe any thing. She direct me to call the FTC. I called the FTC they told me to call Self Lender. I was on hold for an hour then hung up on. 
I have no late payment with Self. incorrect inform was provide to XXXX. I been on time with my payments. My score drop 41 point because of an error. This need to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I've sent out a certified letter disputing items in which I felt I was a victim of identity theft. I've listed all items that were not mined. As of XX/XX/XXXX, I have not received any correspondence regarding my request. I haven't gotten anything stating they were opening an investigation. I believe the credit reporting agencies have violated my FCRA and I need some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Flagstar Bank, N.A.
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Flagstar bank is refusing to release funds paid by XXXX XXXX for repair of our roof. The roof is repaired. Our contractor has submitted a final bill. Flagstar 's own inspector said the work was done. We have a copy of his report. Flagstar still refuses to pay the roofer in full.Flagstar has repeatedly lied to us during this process.

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 2023-12-01
Company: Mr. Cooper Group Inc.
State: AL
Product: Mortgage
Sub-product: USDA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Made a payment on Mortgage in XXXX. Mr. Cooper took out four times the amount we authorized causing our bank account to go into the negative. After several phone calls, they admitted to the mistake and decided to refund all the money instead of just what was not approved. Made a new payment after we got the money back. Confirmed the payment went through. Mr. Cooper calls me a few days later and wants to make sure all is good. I asked them are we up to date on payments and they said yes. A week goes by, they email us saying we are overdue on payments. My wife calls and they tell her that we owe them money. Even with a confirmation from their website the refuse to acknowledge we have made our payments and to send over bank statements that prove we paid them. I have sent them over but I am very displeased how they are handling my money. That little mistake caused me to have no money in my bank account for almost a week. Not to mention they show no remorse in their wrong doing or even want to try to solve the problem in a timely manner. The next day talked to them at lunch. Showed them proof that we paid through bank statements and even have statements from them showing payments are up to date. They refuse to acknowledge this. Claimed the bank had locked them out from receiving money from my bank account. Put them on a conference call with the bank. Bank tells them multiple times there is no lock and the payments went through and Mr. Cooper still will not cooperate. They claim they never got my email with the evidence and wanted me to send it again saying it could take up to 30 days to figure it out. This is unacceptable and I refuse to allow them to tarnish my good credit and standing because they want to drag their feet. I won't even be able to pay my XXXX balance if they continue because they will try to apply it to the so called missed payment. This is nothing short of theft. I am very upset that a company like this is allowed to operate and take money and turn around and say no you didn't pay us. Mr. Cooper is an embarrassment to professional businesses and they need to be held accountable for their dishonest, incompetent, and downright greasy behavior.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act 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 SECTION 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

XXXX XXXX was an account on my credit report that I deleted over 8 months ago, due to fraud and has not reflected on my experian credit 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 non-monetary relief
Consumer complaint received 2023-11-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am filing for bankruptcy and Portfolio Recovery continues to contact both myself and my wife. I have given them my lawyers contact information and told them that any further communication should go through them. When they call I tell them again that all communication needs to go though my lawyer, they say they wont be able to continue the call until they verify my information and keep saying that over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am a Wells Fargo customer. My Bank account number with them is XXXX. I received a letter from them recently stating that they are closing my account due to a postal money that was deposited in my account ( copy enclosed ), which was mailed to me through USPS ( Tracking # XXXX XXXX XXXX XXXX XXXX XXXX ) ( copy also enclosed ), this money order appeared to be valid XXXX and the Post Office said that it looked valid as well. I deposited it, and although WF placed a hold on it, it eventually cleared. I thought all was ok with it at that point as WF placed a longer than usual hold on it. How is any banking customer even able to verify the legitimacy of any type of check anymore? You can't simply call the Bank the check was drawn on, they won't verify it unless you also have an account with that Bank. It is extremely unfair for WF or any Bank to treat a customer this way. How about working with a customer to solve the issue, and maybe actually talk with the customer to find out what occurred and try and help? I have tried repeatedly to call WF to discuss, but can't get through to the department that I need to. I sent an email, but have no response yet. I want my account reinstated ( and time given to me to try and get the party that issued the money order to make good on it ), I also would like WF to be required to pay monetary damages as well. They should not treat customers this way.

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 2021-01-01
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:
Car title loan amount {$20000.00}, monthly payment {$580.00} a month, this amount go to the principal of {$200.00}, and {$370.00} go to interest rate. 
The financial agreement did not show the interest rate in the paper contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: MN
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:
I had a credit card through XXXX XXXX  that was set up i. auto pay XX/XX/2022 before any purchases were made. I called XXXX XXXX after receiving a notice that my bill was not paid. They told me they made a mistake and reversed late fees. At that time, I confirmed with the rep that the card was on auto pay and they said yes. 3 months later I receive a notice saying the card

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 2021-02-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have two problematic issues with my credit there are 2 inaccurate things on my credit.

1. Aargon Agency shows on XXXX & XXXX that {$200.00} is owed. This is NOT my account.

2. Portfolio Recovery shows on XXXX  & XXXX that {$480.00} this account goes away then pops back on to credit profile with a different account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: WELLS FARGO & COMPANY
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/XXXX, my husband and I contracting XXXX Today for flooring and made a {$250.00} deposit at that time we financed {$750.00} in my ex-husbands name with their in house financing company ( Wells Fargo Bank ). On XX/XX/XXXX it was installed. I paid off the balance using my funds from my bank in a couple of months in that same year. 

On XX/XX/XXXX, I received an invoice that the purchased was not paid. I called and they said that my ex-husband disputed the charge and they sent him the money directly to him. Now XXXX XXXX is billing me for something that was paid. They told me that on XX/XX/XXXX my ex-husband got the funds. Wells Fargo made this error without even investigating that it was paid in full! The Wells Fargo account is in his name only, but I made all the payments not my ex-husband. XXXX said that Wells Fargo took the money back that i paid for in XXXX. 

I am being forced to pay for something I paid for and being threaten to send me to collections. 
Please help me with this case. I will only pay for what I am supposed to, not for their errors. 
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 2021-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My name is XXXX XXXX and I received my credit card that has been in perfect standing for 5 years was being closed today because I added an authorized user whose credit was not in good standing. By all means I do not agree with this decision of closing my card and I would like my account to continue to be open and they can not add this person to my account. This closure will impact me deeply as I am trying to refinance during the pandemic and I can not afford my credit to take such a hard hit with the closing of this card. I was told I would get a letter and can contest the decision in 30 days however I don't want to wait that long and would this to be worked on as soon as possible. The account was closed today XX/XX/2020

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 2022-03-19
Company: EQUIFAX, INC.
State: CA
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:
I've contacted the company, XXXX XXXX regarding an alleged account reporting on my consumer report on XX/XX/XXXX. The company reported inaccurate and unverifiable information, which I requested for competent evidence that the alleged account belong to me. As a result of XXXX XXXX failing to provide this information, the account was deleted in XX/XX/XXXX. I have recently checked my consumer report on XX/XX/XXXX to find that this same alleged account was placed back on my Equifax consumer report. Also, XXXX XXXX still failed to provide the proof requested and has sold this alleged account to the company, XXXX without my consent and has violated federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: BARCLAYS BANK DELAWARE
State: MD
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:
I am showing late payment on multiple of my accounts on my credit report, I would like this verified & these negative items moved off my credit report. 

Below are the Account Holder Name and Account # XXXX : XXXX XXXX XXXX XXXX - XXXX ( XXXX & XXXX ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Barclays Bank Delaware ( XXXX ) XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Barclays Bank Delaware ( XXXX ) XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX PLEASE HELP ME TO VERIFY THESE LATE PAYMENTS ; NO ONE ELSE SEEMS TO ABLE TO HELP ME!!!

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