BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-17
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-05-17
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/2023, through a credit report, I found out that my down payment of approximately {$14000.00} was misapplied to my loan. It was supposed to be paid forward as 39 months of payments, but was applied incorrectly. XXXX  XXXX XXXX, without any communication whatsoever charged off my account and marked 6 months of payments as being " late, '' when it was their error to begin with. This caused my credit score to drop around XXXX points, which is detrimental as I am trying to apply for a home rental. I am becoming extremely livid with the sluggish pace of the " resolution, '' which has take over a month to even UPDATE the charge-off reversal status. It's been in limbo for OVER A MONTH without official reversal even though it's supposedly been " approved. '' Every representative I speak to acknowledges that it's XXXX  XXXX XXXX 's error, but the issue at hand is not being taken nearly as seriously as it should be, nor is action being taken quickly enough. I'm teetering on the line of whether to seek legal recourse for the issue because of how greatly they've royally screwed up my excellent credit and put me at risk of having my car potentially REPOSSESSED for incorrectly charging-off my auto loan and not even informing me that there was an issue with how the original representative supposedly " fixed '' my initial issue. Oh yeah, that's right they XXXX  it up TWICE, and the second time didn't notify 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
Consumer complaint received 2023-07-28
Company: Experian Information Solutions 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:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 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 2023-06-09
Company: Frontline Asset Strategies, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
FRONTLI.FRONTLINE ALREADY HEARD THE RECORDING from XXXX from XXXX XX/XX/ AND AGREED IT SHOULD HAVE BEEN DELETED. Frontline ACKNOWLEDGED THAT THE DEBT SHOULD HAVE BEEN REMOVED. XXXX wont honor what they said they would do which is the reason why I have had to record conversations with XXXX because without it XXXX just does what it wants. I TRANSFERRED SERVICE from XXXX to XXXX IN XX/XX/ but I WAS CONTINUED TO BE BILLED FAR PAST MY CANCELLATION DATE DESPITE BEING PROMISED MY BILL WOULD BE TOTALLY CLEARED AND THE PHONE CALL WAS RECORDED. THEY STOPPED BILLING IN XXXX  which was totally inaccurate .I EVEN TRADED IN MY PHONE TO XXXX BACK IN XXXX XXXX I HAVE A TRANSFER PIN FROM XXXX WHICH ACKNOWLEDGES THAT XXXX KNEW THE ACCOUNT WAS CANCELED AND IN GOOD STANDING IN ORDER FOR THEM TO DO SO. FRONTLINE ACKNOWLEDGED THE PHONE CALL AND I ALSO SUBMITTED THE RECORDING TO FRONTLINE VIA EMAIL SO IT COULD BE DONE. FURTHER MY BILL WITH XXXX HAS ALWAYS BEEN XXXX TO XXXX DOLLARS AND IT WAS PAID SO IT IS VERY INACCURATE for them to bill me XXXX. I HAD TO RECORD MY CALLS WITH XXXX BECAUSE XXXX KEPT CHANGING MY ACCOUNT TO FORM A NEW ACCOUNT WHEN IT WAS UNAUTHORIZED. Also they sent the bill to the old address and hadnt been able to send it to correct address since the account had been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
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: Problem with personal statement of dispute

Complaint:
I have previously disputed account asking to verify or delete as I do not recall having this account open. Credit report is stating that investigation has started and dispute has been resolved. I strongly disagree because I have not received any documentation stating that this account is mine, and that debt belongs to me. I see multiple inaccuracies besides account not being mine. Were information is missing as far as date verified and date has been closed. Date of last activity, date reported, date account had been open, date last payment was done along with credit limit are all inaccurate. Account has not been verified and I have no clue where creditor and bureaus are getting information from this account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
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: Credit inquiries on your report that you don't recognize

Complaint:
I have a XXXX hard inquiries on my TransUnion credit report that are a function.of identification thief and according to the fair credit act I want them removed. I will be filing a police report also. I have been informed that my information was contained in a data breach.

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 2022-10-25
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:
unauthorized inquiries are on my report i did not authorize these please remove

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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XX/XX/2022

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 2023-06-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XX/XX/2023 Responded to a Wells Fargo credit card VISA offer online using mynewcard. The mailed solicitation provided a reservation number for the application allowing for minimal personal inputs to submit the form. The letter implied automatic approval. I have multiple checking and savings accounts with Wells Fargo bank. Within 5 minutes, I received an email identifying that my application was denied. The next morning I received a text message from a phone number, that I have verified originated with VISA Wells Fargo. The message states that 2 fraudulent charges have been charged to my credit card, ending in XXXX. If the card application was denied, why is there any Wells Fargo credit card associated with my telephone number? 

This is the message : XXXX : Verify Wells Fargo activity. Card XXXX {$22.00} @ XXXX XXXX {$10.00} @ XXXXXXXX XXXX Reply Y if recognized, or call XXXX. STOP to stop msgs. 
1 ) I did not authorize Wells Fargo VISA to make any test charges 2 ) I believe {$22.00} is Social Security Administration. 
3 ) I do not recognize XXXXXXXX XXXX  4 ) Wells Fargo VISA did make a hard credit inquiry, as I got a warning from my credit monitoring system. 
5 ) I have not had a credit card with Wells Fargo for more than 3 years, so I do not know where the 4 ending digits are associated with ; At that time I requested that ALL credit card accounts be closed and received notification from Wells Fargo VISA that the accounts had been closed. The numbers do not match any bank account that I have. 

I have been on the phone with VISA Wells Fargo for the past 30 minutes : XXXX. It is Friday, a normal business day. The front office associate is not able to connect to their executive office or their Fraud department to help explain what is going on. If this is the 'efficiency ' of the Wells Fargo VISA  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 2019-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 and Transunion are incorrectly reporting me as an Authorized User on the XXXX partial account number XXXX. ( Please see page 8 of the attached credit report. ) I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX and Transunion have not removed this from my credit report. I have contacted the two bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my 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 explanation
Consumer complaint received 2021-12-07
Company: Chime Financial Inc
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Today is XX/XX/2021. Earlier today I went to get some car maintenance done, which I paid for with my Chime debit card. Everything was fine. Around XXXX XXXX EST, I went to check my account on my app, and it logged me out. I didn't have my password on me so I pressed forgot password. It kept giving me a " too many requests '' on the screen. So, I called customer service and ironically the automated operator said they were closed. Last time I checked they were available 24/7. The second time I called it stated I was eligible for free auto care. I thought it was through Chime. I still don't know. Now someone has my name and car model. I hung up and called back and now the number is not available from the area I'm calling from according to the automated message. Now, I can not access my account from any angle. Chime did not and still hasn't gave any notification of any technical difficulties or other mishaps to me. I can not get in contact with anyone by phone, and no one has answered my email. I can't log in to speak to anyone through chat and if I could I wouldn't have any problem because the problem is not being able to access my account. How this situation is being handled is unproffesional and fraud like. There's no one you can contact, no one has yet to notify me of Chime having issues, and their phone number is being rerouted if not shut off from receiving calls from customers. I want what's left in my account out of their system ASAP so I can go with a more professional and safe banking institution.This is beyond draconian, and it seems as if these institutions keep getting away with these so called mishaps. I have rights as a natural living being, creditor, consumer, and sovereign and this here is in violation of majority if not all of them starting with the non communication. Someone needs to look into what's going on with Chime regarding this matter and have them release people their money along with investigating their business structure because it's ironic no one can be contacted when not being able to access my account nor funds. I need access to my property ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/, I refinanced my car loan with State Employees Credit Union. I found multiple violations on the Fixed Rate Closed End Promissory Note, Truth and Lending Disclosure and Security Agreement. Pursuant to 15 USC 1605 ( a ) the finance charge is the sum of all charges and on the document provided the finance charge does not reflect such, which is fraud. On the document the finance charge is {$8500.00} which does not reflect the amount I am being asked to pay. On the document the total of payments equals to {$42000.00} which is not the sum of the finance charge. This is fraud since this is a truth and lending disclosure and it is not following the federal US code. Pursuant to 15 USC 1666b ( a ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. The inclusion of late charges on this document is a violation of the federal US code. Pursuant to 15 USC 1605 ( b ) the inclusion of life, accident, or health insurance premiums shall be included in the finance charge and they were not. Pursuant to 15 USC 1605 ( c ) property damage and liability insurance premiums shall be included in the finance charge and they were not. I sent a debt validation and cease and desist to State Employees Credit Union on XXXX XXXX and received a letter that did not address what I asked for so I sent an affidavit to State Employees Credit Union in addition to all documentation I have sent thus far with the addition of the exhibits for my affidavit. I am asking for the violations to be compensated by the company and for my account balance to be XXXX for my car loan and credit card balance since this company is committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Experian Information Solutions Inc.
State: AL
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:
My personal information has been used to fraudulently open personal loans and credit cards without my knowledge. These companies use soft pull to check for mortgages on your credit. I never had a mortgage before. Me and my father share the same exact name and Im a XXXXXXXX

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 2023-06-10
Company: Law Office of Michael J. Scott, PC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Scott & Associates is an identified debt collector that obtain my nonpublic personal information without my consent through an nonaffiliated 3rd party source by the means of aggravated identity theft pursuant to 18 USC 1028A. They have contact me without my prior consent given directly or from the express permission of a court of competent jurisdiction allowing to do so pursuant to 15 USC 1692c ( a ) and violated numerous of provisions under the Fair Debt Collection Practices Act ( 15 USC 1692 ) ; Fair Credit Extension Uniformity Act ( 73 P.S. 2270.1 in their attempt to extort me. I REFUSE TO PAY SUCH ALLEGED DEBT and demanding Scott & Associatest to cease and desist communication through all mediums in reference to this alleged debt with me and any other person pursuant to 15 USC 1692c ( c ). *SEE ATTACHMENTS*

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Experian Information Solutions 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:
I have 2 incorrect files on my credit report and Experian wants me to contact three different departments because they are different and talk to each other. I have already dealt with the Bankruptcy Department there and they are not helpful at all! These were all removed when I filed a complaint in the past but now they are back on my report. They need to off they are incorrect. 

1XXXX XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS NO ACCOUNT NUMBER ON MY FILE- I THINK THIS WAS A BUSINESS ACCOUNT AND IT WAS PAID WITH XXXX BALANCE WHEN THE BANKRUPTCY WAS FILED. IT HAD NOTHING TO DO WITH THE BANKRUPTCY Credit usage - % credit usage unavailable Balance - Balance updated - Credit limit {$31000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card PAYMENT HISTORY LEGEND Status Discharged through Bankruptcy XXXX XXXXXXXX. 
Status updated XX/XX/XXXX Highest balance {$62000.00} Monthly payment 2. XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS THIS WAS MY FATHERS ACCOUNT UNDER XXXX XXXX AND IT WAS PAID WITH INSURANCE AFTER HIS DEATH SOME MIXUP WITH THE INSURANCE COMPANY THAT IT TOOK THEM YEARS TO PAY IT. THERE WAS NO DEBT WHEN THE BANKRUPCY WAS DONE! IT WAS ALREADY PAID FOR MONTHS IF NOT MORE THAN A YEAR BEFORE SO IT COULD NOT HAVE BEEN INCLUDED WITH THE BANKRUPCY. LAST PAYMENT XXXX TWO YEARS BEFORE THE BANKRUPTCY Credit usage - % credit usage unavailable Balance - Balance updated - Credit limit {$84000.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Home Equity PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XX/XX/XXXX Highest balance {$77000.00} Monthly payment - Last payment date XX/XX/XXXXXXXX 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 2023-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
A person by the name of " XXXX XXXX '', who represented himself as an employee of Captial One Bank, offered me a loan. Upon accepting the loan, I learned that through " their banks verification '', this " XXXX XXXX '' person took approx. {$2100.00} from my XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I contacted Nissan Motor Acceptance in regards to my lease and I reviewed the contract and the mileage was incorrect. They show the original mileage being XXXX miles. However, when I contracted the lease the mileage was way above that. I'm not sure what type of tactics there are using however, this could have cost me money at the end of my lease. I called and spoke to a representative and she reviewed title and it showed that the vehicle had well over XXXX miles. She stated that it could have been a typo however this could have been very expensive at the end of my lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: TX
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 appreciate you making the effort to remove some of the data on my credit report, but there are still items that need to be fixed/updated. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX509**** DPT XXXX 1502**** XXXX XXXX  1679**** Original Creditor : PXXXX  XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 explanation