BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX XXXX XXXX I am very curious as to what kinds of process-verbal or " records '' you may have for any and each of the accounts alleged by the non-compliant data furnishing reporter ( s )?

It is your requirement to have a certifiably compliant reporting process of which adheres to the mandatorily utilized Metro 2 data field formatted reporting standard ( s ).

Under the FCRA, you are required to investigate on this account if I request it, and further provide me a written report of proceedings. I therefore am submitting my written request to you to investigate. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time, per the FCRA, you must remove any alleged unproven negative information of which I have lodges a contesting of reporting privilege ( s ) by the indicated reporting entity ( ies ). Again, I believe, and you shall agree that it is noteworthy that as the injured consumer, I am of no obligation ( s ) to reveal any imperfections nor any flawed reporting as it is your moral imperative to do so. However, at a minimum the reported allegations versus me include what I have identified as being likely-SUSPICIOUS claims of base field 7 ( BSCF-7 ) with redacted truncation. In mathematical reality, this makes impossible for ANY ENTITY to be certain of adequacy to the perfect inclusion and arrangement of ONLY accurate and complete data field information within the requisite reported data fields outlined mandatory for lawful reporting fulfilling the necessary decrees. That is, how is it assumed that the true account number, whatever it might be, exactly and only the reported data fields and reported data field information as proclaimed by the alleged accusing data reporting furnisher? Further, I ask, given the redacted values within the alleged charged off claim versus me, how can it possibly be confirmable the impeccable reporting when it's not provable the displayed data fields are in and of only perfect alignment with the exact information from such data field ( s ) related to only the one According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand the following accounts be verified or removed immediately. 
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 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THIS ITEM TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE ENCLOSED AND SENT THE FEDERAL TRADE COMMISSION THE INFORMATION ALONG WITH THIS AFFIDAVIT.

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 2023-01-11
Company: NAVY FEDERAL CREDIT UNION
State: VA
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:
I was on a trip to XXXX in XX/XX/2022. My card was lost but also may have been skimmed. I attempted to stop the payment while the charge was still processing but was denied a request. Throughout the claim, I have been provided with little to no information from my bank on how to proceed or what was going on. Additionally, I provided reviews online from tourists experiencing the same issue as well as screenshots of the same merchant attempting a XXXX charge after the account was frozen ( banks automate email alert ). I am not being asked to provide information on how/who exactly scammed me and or provide evidence from a foreign merchant I have no reasonable way in getting in contact with. I have not been provided with a case manager or clear instructions on how to best provide information to the investigator. I am willing to go under oath or do whatever is needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-27
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: Their investigation did not fix an error on your report

Complaint:
Today XX/XX/2020 I received an email alert that an account has been reported as delinquent. I am on a program with XXXX  credit card for 3 months. I have made my payment in the amount of {$180.00} to enter into the program I was also told this account would not be reported as delinquent to the credit reporting agencies but it was which caused my credit score to drop. I was offered this program due to my temporary financial situation due to this pandemic that is going on right now. I anticipate this account will be up to date being in the program they offered. I am upset that it is reported when I specifically asked if it will be I was told no because Im in the program and attempting to clear this debt

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 2019-01-09
Company: CREDIGY USA CORP.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX I received a levy for a debt collection company called XXXX XXXX XXXX They had advised me that they has took all of our funds from mine and my wife joint checking and savings accounts zeroing out the balances now my bills have been returned for NSF. I have no debt or contract with this company I'm not sure why they are harassing me for a debt that doesn't belong to me. They will not return any of our calls in regards to debt it goes straight to voicemail, So if I wanted to make arrangements on this debt if it was my debt which it's not they had no intentions to work with me and they still would have taken every dime I had. I pulled up the case in the Missouri Case net case # XXXX and it showed this was a debt starting in XX/XX/XXXX. I called and left numerous messages and no one has responded and now being the XX/XX/XXXX. They are not willing to discuss the account with me because I do believe they are aware this is not my debt and took my funds anyway. Then they say the original judgement was for {$5900.00} they have doubled the amount of the debt adding post judgement interest of {$4600.00} for a balance of {$10000.00}. I have knowledge of charge off debts and I'm well aware that they didn't pay the original balance of {$5900.00} to try to collect this debt they are a 3rd party vendor and the original creditor sold this account to them for pennies on the dollar due to the fact they already charged off the debt and took their loss. 

This would be the same company that filed this same case under a different case # on XX/XX/XXXX Case # XXXX XXXX and filed a transcript judgement in XXXX County court for the amount of {$5900.00} plus court cost. This company is being deceptive and have horrible business practices. I would like my funds returned this is not my debt. 


Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Payfare International Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XX/XX/2023 - XXXX  XXXX XXXX XXXX XXXX On XX/XX/2023 I had cashed out to get some gas and another item. I go to use the card and it was declined. I tried to use the card again and it was declined a second time. both times at the cashier not at the pump. I called customer service to find out why my card was declined. Customer service blamed XXXX XXXX and the XXXX XXXX blamed the card company. After a very long wait I was told everything was worked out. I logged in to check my balance to finally continue with my purchase and there was a charge - & XXXX which did not make sense because the purchase should have been around XXXX that I did not receive items for. At this point I called customer service again. This time I was told there is nothing they can do and the money will be refunded to my account in 24 hours. This card company basically stole my money and have yet to receive my money back. Very strange the amount stolen from me is a higher amount than what the decline purchase would have been.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: WELLS FARGO & COMPANY
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
In light of the Administrative Proceedings File # XXXX ; Wells Fargo Continues to XXXX consumers violating them for undue unjust enrichment. See attached examples. Moreover, my account has been charged additional monies not agreed upon. Although I am a party of the administrative consent order. Wells Fargo is continuing the same behavior without respect to their consent order. They are stating checks have been sent to me in refund that have not ( see attached ). I am utterly disappointed and disgusted over the ongoing and continued behavior. 

I have completed the amortization on the loan and found the additional principal payments were not applied as paid commencing from XXXX Moreover, I have paid three times the interest amount which in itself constitutes Wells Fargo has reneged on the Consent Order. 

Moreover, Wells Fargo had thugs and thieves break into a locked closed garage on Private property, unlicensed to be onsite, steal my vehicle under false manufactured numbers.

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 2023-03-01
Company: NAVY FEDERAL CREDIT UNION
State: TX
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:
XXXX XXXX, my vehicle was broken into. I did not discover this until XX/XX/2023. I logged on my account that morning and discovered {$500.00} was taken out of my account and I immediately contacted NFCU. As I am making my report to my bank the suspects tried to take out another {$500.00} but the representative was able to stop it. There was nothing the representative could do because the payment had not yet been posted. The representative informed me to wait a few days and call back when the payment was posted. I made report a few days later and was given directives to make a report with FTC. I completed that form. Following up on the process of the claim, I discovered that NFCU representative disputed my entire transaction for XXXX XXXX in the amount to $ XXXX. I never disputed that amount I only dispute The XXXX XXXX of {$160.00} and ATM withdrawal of {$500.00}. A manager assisted with getting the dispute corrected and transferred back to fraud department. I also encourage the manager to listen to all of my calls so there would not be any false information on my behalf because I know what I informed the representative that took the initial report. I have continued to check on the claim to be informed the claim was denied again. I have requested them to do a full investigation by obtaining video footage from the store to prove it was not me. They have failed to notify me of what they have received to investigate the claim. I have submitted the FTC report as well as Police Report. They are still alleging it was me that did this fraudulent transaction. It was not me. I had to start completely over by obtaining a new social security card and DL ( I have proof if need receipts ). My other banking was affected as well and not just NFCU. I have went to both store ( The XXXX XXXX and XXXX XXXX ) and they both indicated they do not keep video footage over 30 days. There is no way I could get any footage and I have been trying to get this issue resolved by doing my due diligence and turn in anything that will support my claim. Asking NFCU follow up questions of what need to be done. Little to no response. The only thing they have related is they are using information I have submitted and not telling me the facts. This has been very much frustrating because I can not express enough this fraud transaction was not me. They will not even speak to me they will relay messages through third party. I need this issue resolved. This has caused me a lot of stress and issues. I am very hurt that NFCU would allege I did this transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Today XX/XX/2020 I received an email alert that an account has been reported as delinquent. I am on a program with XXXX  credit card for 3 months. I have made my payment in the amount of {$180.00} to enter into the program I was also told this account would not be reported as delinquent to the credit reporting agencies but it was which caused my credit score to drop. I was offered this program due to my temporary financial situation due to this pandemic that is going on right now. I anticipate this account will be up to date being in the program they offered. I am upset that it is reported when I specifically asked if it will be I was told no because Im in the program and attempting to clear this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This is one of several times I've discovered that my credit report had inaccurate information. 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. The following false information on my credit report has to be investigated, amended, or completely updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XX/XX/2022, I contacted Kohls in regards to my store card after I became chronically ill. I was out of work for a prolonged period of time, and needed assistance with making my payments. After explaining this to the Kohls customer service representative, she explained that I could take part in a financial relief program that they offered. She told me that I would pay about $ XXXX while on the program, and that my card would be frozen until I paid off the balance. I asked her if my Kohls card would be closed, because I did not want to close it. She said that the card would not be closed, and that it would only be frozen. I agreed to join the program because I was told my card would not be closed. A few weeks after this phone call, I received a letter in the mail stating that my account was closed because of my enrollment into the program. I called Kohls back, and asked them why my account was closed. The agent informed me that the closure of the account was one of the terms of the agreement. I went back and forth with Kohls for a few weeks about this, and they eventually listened to the call in which the agent enrolled me into the program. They told me that they heard her tell me that they account would remain open, but there is nothing they could do since it had already been closed. The closure of this account caused my credit score to drop over XXXX points. This account was my second oldest account on my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was trying to Modify my loan with XXXX which was later taken over by Wells Fargo. I suffered because it took over a year to modify during the process, I had to change companies and pay another company to take over and I encountered more fees.

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: AMERICAN EXPRESS COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello, on XX/XX/2023, I received an email. The email stated I received a deposit of XXXX from XXXX XXXX XXXX. Transaction ID is XXXX. I also had XXXX so the total I had on there is XXXX Upon trying to get my funds from the card, I was told that my card had been blocked. I called XXXX  multiple times, and they tried telling me. " The deposit didn't have my name on it. Which makes absolutely no sense at all. I don't know what to do. I read the reviews, and there are multiple emails stating they continue to do this. Another thing I do not understand is. My payroll checks get deposited all the time. I'm in tears trying to wrap my mind around them trying to steal my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12
Company: Exeter Finance Corp.
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Exter financial after I contacted them about a XXXX problem in my XXXX XXXX XXXX all they did was kept placing me on hold and phone space! I research recalls on that year XXXX  after I was driving and my XXXX would not steer brake when I was coming up to a turn and stlop light at the end of XXXX XXXX XXXX .I went head on into rush hour traffic and hit a XXXX XXXX truck the driver stated to the officer he was wrenching on the steering wheel and XXXX XXXX standing up to get the truck to brake and his face told it all he looked scared and his eyes where big as saucers. I did not get a ticket but I reported it to exter financial and they just blew me off came took the vehicle and still charging me the whole loan after it being repossessed volunteering this is very unprofessional and wrong... XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
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:
in accordance with the fair credit reporting act. the list of accounts below has violated my federal protected consumer rights to privacy under 15 usc 1681. 

acc name XXXX XXXX XXXX acc # XXXX acc name XXXX XXXX XXXX XXXX acc # XXXX acc name XXXX XXXX acc # XXXX ACC NAME XXXXXXXX ACC NAME 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 section2 : it also states a consumer reporting agency Connot 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, other than records of than records of convictions of crimes which antedates the report by more than seven years.

15 u.s.c 1861s-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 accurate.

Company response to consumer: Closed with explanation