BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-08-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXXXXXX XXXX  are duplicates of paid loans. Experian during investigations found that dates were invalid and is allowing this to still be marked on my credit report. They are still charging interest on the false loans that they claim to have written off.

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 2023-03-05
Company: QUALITY ACCEPTANCE LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I opened an auto loan with Quality Acceptance. In XX/XX/XXXX. The car was repossessed XXXX of XXXX. I never recieved any proper communication before repo. 

The car was dragged out of my driveway with no communication of their intent to do so. They would eventually send the car to auction.Without giving me the option to recover. 

I am unsure of the auction price because they refuse to give me any information. A few months later the pandemic would hit. The amount owed after the car was sold was never updated to credit bural. When it did. It updated as a charge off of XXXX. 

I would later recieve an update of the account being " Closed and Charged Off '', I tried calling to figure out what I actually owe, but Quality Acceptance keeps changing the amount. They won't give me a straight forward answer and are very aggressive on the phone. 

I have no idea why I owe this new XXXX amount, and I haven't recieved an invoices since XXXX for ANY of these new amounts chaged to the this closed and discharged account on my credit file. 

I believe this company is using unlawful practices to force people into paying significantly more then what they originally owed. My balance was a little over XXXX in XXXX. 

Without notice, now the balance is XXXX. They have charged over XXXX since the account closed in XXXX. Keep in mind this account is closed, and I haven't received a single invoice, phone call, or email communication for ANY charges accuring on my report. As of today XX/XX/XXXX. 

I think they know I can't pay this amount. And they a purposely and with bad faith, attempting to ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: EQUIFAX, INC.
State: NC
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: Experian Information Solutions Inc.
State: IL
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 disputed a XXXX XXXX XXXX XXXX account on my credit report with Experian all of XX/XX/2018. Experian have violated the Fair Credit Reporting Act they are not properly investigate this item. They keep saying the item is verified. HOW CAN YOU VERIFIED A ITEM IF YOU HAVE NO WRITTEN CONTACT? HOW ARE EXPERIAN VERIFYING ITEMS? I have requested documentation with my signature on they have failed to provide me with it. Experian need to prove to me that they are reporting hundred percent accurate information ( they are Not ). In the documents I have uploaded states I want all the documentation that Experian have to verify that this account is mine. And remove all Non account holding inquiries I have contacted all of the companies they have Not provided me with written proof are authorized none of the inquiries

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 2023-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have recently moved to a new location. I have attempted to make an address change with this firm but they refuse to allow me to update my address. They say I must contact my employer and make the change. I retired almost XXXX XXXX XXXX  and have no ongoing relationship with my previous XXXX. XXXX XXXX XXXX, when I retired, I moved to a new location and they accepted my address change without forcing me to contact my previous employer. It is unacceptable to force me to make contact with my old employer to make a simple address change. i am not attempting to withdraw funds just change my address.

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 2020-06-06
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
Experian has several inaccuracies on their credit report, and has no method of correction. When you select to dispute online, you receive the message copied below. When you dial the phone number, there are no options to address the dispute and you are unable to speak with anyone. 

Inaccurate information includes : invalid name, invalid address, invalid phone number The invalid address is associated with a collection account to which I have no association. 

Notice received when attempting to dispute information : This request can not be processed online. Experian maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at 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 2020-05-07
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I filed a complaint with NFCU They dont take it seriously. 
Somebody called me for 3 days and did not leave a message On the fourth day somebody named XXXX called and said she wanted to explain how I am using my card wrong. 
They dont take it seriously. I am going to contact the FTC and hire a management company to prove my issues. 
I want a 3rd party intervention. I do not want " XXXX '' to call me to tell me how I'm using my card wrong. 
How dare they make a joke out of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX : transaction occurred on my Wells Fargo debit card for the amount of {$2400.00} XX/XX/XXXX : Wells Fargo detected suspicious activity and started declining future transactions XX/XX/XXXX : I called Wells Fargo after checking transactions to confirm that indeed some of the pending transactions were not recognized by me XX/XX/XXXX : Wells Fargo submitted a claim on my behalf to further investigate XX/XX/XXXX : Wells Fargo sends notification via regular mail ( I was out of town so did not see this letter until I got back home on XX/XX/XXXX ) to inform me that there was no evidence of a processing error and determined the transaction to be authorized and claim closed. 
XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX - received same standard message via email on all of these dates informing me that Wells Fargo was still looking into the claim I submitted and that they would let me know what was determined after research was complete. 

XX/XX/XXXX : I called Wells Fargo to follow up on this claim. They said they no longer had rights to dispute the claim and that they could tell the physical card was used for this transaction and that my only option was to work with the merchant. 

I am 100 % sure I did not intentionally make any purchase for such a significant amount on that day or any close day prior to that. The transaction details are not enough to be able to identify or contact the merchant to try and dispute with them. Wells Fargo is not able to provide any additional help or fraud protection for this claim. It is a significant amount of money that was charged and that I don't recognize. I need help to find other ways of resolving this.

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 2020-09-24
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I went on the website to make a payment, and after I enter my information the site froze. So I called to make the payment over the phone so I would not receive a late fee. 2 payments came out of my account but I only received 1 confirmation. I called the company they said that it would take 2 weeks to get my money back. I advised them that I could not afford to wait 2 weeks. I advised them that I will dispute it with my bank. They charged me a fee when i didn't get any notification of the payment on the website and they refused to waive it. Also I have to call every month for my payment to post to my available balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: FL
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:
Hey I am writing to dispute the following information on my report. 
This item 1. Account XXXX XXXX  XXXX Account number : XXXX And 2. Acount XXXX XXXX XXXX Account number : XXXX is inaccurate because I have never opened an account with the creditor I filed an police reports and an identity theft report and sent out to Experian I also asked Experian for steps use to validate this account several times and the original contracts between me and the original creditor agreement with my signature neither Experian nor the original creditors were able to do so the last several months Experian Violated my rights under The FCRA by not following the basic Laws. I am requesting that this item be removed immediately from my credit report. 

Please notify me that the above items have been deleted pursuant to " 611 ( a ) ( 6 ) [ 15 USC ' 1681 ; ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of " 612 ( 15 USC 1681 ], there should be no charge for this report. 
If you have any questions or need additional information, please contact me at the address noted above. 
Also, I would like to remind you, using the E-Oscar method to verify this debt, which you are aware of, is against the FRCA guidelines. Please also include in your own reply the method used to " verify '' the debt you claim I owe *******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******** I am Damaged Mentally and physically do the inaccurate information being reported!

Company response to consumer: In progress
Consumer complaint received 2023-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 wrote letters to Transunion over 2 months ago ( XX/XX/XXXX ) advising them that they were in violation of my HIPPA rights regarding reporting the following amounts on my credit report since XXXX of XXXX : {$240.00} {$210.00} {$330.00} {$56.00} {$140.00} {$58.00} {$320.00} {$2400.00} {$1000.00} {$800.00} They have not replied to me or removed items 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 non-monetary relief
Consumer complaint received 2023-03-02
Company: BSI Financial Holdings, Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been trying to work with BSI Financial for several years to resolve our Mortgage issue, communication with this company has been extremely difficult. We have paid several different agencies to help us including XXXX XXXX and XXXX XXXX. BSI is very difficult to work with. We have made over XXXX i. Payment to BSI over the past year and they are showing we have made XXXX payments. We have tried to work on loan modifications etc. 
Now we have a foreclosure sale pending for the XXXX of XXXX, we have lived in our home for 31 years and do not want to loose it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
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 accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2022-04-13
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have several private student loans with this company. I have already used all my deference and forbearance options due to financial and illness in the past. I am getting my life back on track and am in a better position to start making bigger payments. However, trying to work with this company is IMPOSSIBLE! I have tried every way under the sun, even a BIG deposit offer and they WOULDN '' T tell me how much my payment would be afterward!! The rep would not even say, let me check with my supervisor and someone will get back with you. TERRIBLE customer service. In XX/XX/XXXX, they let me make 1 final payment towards my forbearance. On XX/XX/XXXX, they received another XXXX request and it has been in processing since then, this is XX/XX/XXXX. PAST NEXT PAYMENT DUE. I contacted them via CHAT on XX/XX/XXXX, 3 days before payment due date. Nothing could be done... .There is no way I can pay {$1700.00} per month! In XX/XX/XXXX, payments were {$1200.00} per month, thats when I received the last forbearance. WOW, jumping {$500.00} in 3 months!! I have been working with them off and on, via message or phone call since XX/XX/XXXX to try and get my payments down to a manageable monthly payment. Phone Calls were made to them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, plus the many chats, and messages. I have tried refinancing and there is no company that will refinance this loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: FirstCredit, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never been to the XXXX XXXX XXXX facility for any treatment or services offered there. This isn't the first time I have received a medical bill for a place I have never been to so there is definitely something going on here that needs investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
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 dont believe that this account is correct, but it s being reported to my credit, and I am trying to make sure everything on my credit is correct. I have never done business with this company, and dont understand how I would owe money or have anything that would appear on my credit report from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
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: Was not notified of investigation status or results

Complaint:
Experian closed the complaint number XXXX prior to providing a final resolution. The company 's response demonstrates that the matter has not been fully investigated or addressed. Please see the following taken from their response : " Upon completion, an updated copy of the credit report will be forwarded to you for review. '' Further, the following issues were not addressed in the response : 1.I requested copies of all investigative reports from XXXX of XXXX ; 2. Why the Experian has disregarded a valid court order ; and 3. Why Experian has not followed the standard practice in XXXX  v. Experian Info. Solutions, Inc., Case No. 05-cv-01070- DOC ( MLG ), ( C.D. Cal. Nov. 2, 2011 ), compel the CRAs to follow their standard practice and presume that all unsecured debt were discharged in bankruptcy and update accounts accordingly. 

Therefore, the dispute has been closed prematurely..

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 2023-10-17
Company: Experian Information Solutions Inc.
State: IL
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: In progress
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: MI
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief