BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Regardless of the multiple written requests, the public record listed below is still reporting on my credit report which is a violation of FCRA. The Experian failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with ( EXPERIAN ), they are willful negligent and non-complying with federal statutes : XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported 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 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have recently noticed that there have been late payments recorded on my account for the following months XX/XX/2023. I kindly request your understanding and assistance in removing the recorded late payments from my account history. I am committed to ensuring a more consistent and timely payment schedule in the future and value the positive relationship I have with XXXX. 

XXXX XXXX XXXXI am NOT late on XX/XX/2023. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative. 

I am aware that the company has policies in place regarding late payments, and I sincerely hope for your understanding and consideration in this matter. If there is any additional information required or a formal process to follow, please guide me through the necessary steps. 

Thank you for your time and attention to this request. I appreciate your efforts in helping me maintain the accuracy of my account information.

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 2023-12-08
Company: WELLS FARGO & COMPANY
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This is about my problem with Wells Fargo credit card. I was overcharged, i.e. was double charged for the amount that I have already paid in the last month. 

On the last statement XX/XX/23 to XX/XX/23, I am incorrectly billed {$430.00}. 
What happened was that my payment for the previous cycle was not deducted from the total Purchases Amount. Wells Fargo billed me for the Total Purchases {$450.00} minus Cash Rewards {$14.00} which amounted to {$430.00}. However they didn't deduct my payment {$170.00} which resulted in billing me XXXX  for the same amount in XXXX consecutive statements. 

The right way to do it would have been : {$450.00} ( Purchases ) - {$170.00} ( Payment ) - {$14.00} ( cash rewards ) = {$260.00} - the correct amount to be billed. However I am billed for the {$450.00} - {$14.00} = {$430.00} which is incorrect. Whatever happened to my payment? It disappeared aka not deducted from the total Purchases.

I want this overcharge to be refunded.

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 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2023-11-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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:
XXXX XXXX XXXX -- The status of this report is incorrect, please change it XXXX XXXX  XXXX XXXX  -- This Information is Incorrect. please remove this inaccuracy from my report XXXX XXXX -- This Information is Incorrect.please remove this inaccuracy from my report XXXX The following personal information is incorrect. 
Please remove it from my credit report XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03
Company: Experian Information Solutions Inc.
State: TX
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:
Today, I am submitting my CFPB Complaint to inform you that I am a victim of identity theft. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress and this was my several attempts to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The 3 credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The inaccurate information are reporting to my credit file held with 3 credit bureaus. These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to remove the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items to be removed from my report ASAP : XXXX XXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX 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 2023-12-28
Company: Relay Financial (US), Corp.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The deposit of {$280000.00} in cashier 's check was originally made on XX/XX/XXXX. I was asked to make the same deposit again on XX/XX/XXXX, because Relay failed to process the original deposit. To have the funds available on XX/XX/XXXX which is 18 days later is not acceptable. I emailed XXXX, my account manager, support team at Relay, and support team at XXXX XXXX No one is willing to help me to expedite the processing of this deposit.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-11-13
Company: EQUIFAX, INC.
State: NV
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:
This account was fraudulent open in my name, I spoke to XXXX XXXX and it should have been deleted from my report ; XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My personal information was breached because of Equifax to obtain several credit accounts and applied for several loans without my permission or authorization. I've sent Equifax, XXXX, XXXX several letters in detail about the situation, and in return within an average of 2 weeks they replied and said information is verified/certified correct. Sent letter on XX/XX/XXXX  second on XX/XX/, and both times nothing was changed. I've contacted the creditors also, and of course was informed that i have to take it up with the credit bureau who is reporting the information to have it removed. How is it the creditor when asked about it can't do anything but i have to contact the for XXXXXXXX XXXX XXXX to investigate, and nothing comes out of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03
Company: Experian Information Solutions Inc.
State: MI
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 have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately. 
XXXXXXXX XXXX XXXXXXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXXXXXX, OH XXXX ; XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX Balance : {$900.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$870.00} XXXX XXXX XXXXBalance : {$2100.00} ; XXXX XXXX  Bankruptcy : Discharged Date XXXX Reference # : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$800.00} ; XXXX XXXXXXXX Balance : {$430.00} ; XXXX XXXX XXXXXXXX Balance : {$190.00} ; XXXX XXXX Balance : {$910.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX  Balance : {$160.00} ; XXXX XXXX XXXX Balance : {$140.00}.

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 2023-07-03
Company: Experian Information Solutions 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:
The credit bureau stated my account was properly investigated but how is that possible if the open dates is inaccurate the date last active is inaccurate and date last reported is not accurate. The ground for removal and they also violated my right under 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 15 USC 1681 section 602 ( a ) states I have the right to privacy 15 USC 1681 a section 2 it also states a consumer reporting agency can not furnish a account without my written instructions Also the credit bureau took more then 30days days to complete my certificate mail tracking number XXXX Because of stain on my report I have been living with people and unable to get my own home for years now I cant not get a car in my name denied on 4 different occasions and its not fair to be missing out on basic things you need to survive in today world.

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 2023-07-03
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to 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

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 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
A request was sent to XXXX and Transunion on XX/XX/22 and XX/XX/22 for an collection account in the amount of XXXX $ for account # XXXX. With doing so I requested copies of the original contracts due to illegal collection and fees not agreed to signed by either merchant or myself. These request made is asking for signed contracts not for these credit agencies to continue updating this collection on my credit profile. This account still remain on both XXXX and Transunion credit file and have not been fully validated as requested.

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 2023-05-06
Company: NELSON AND KENNARD
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/XXXX, a process server came to my house to serve me with court papers. Someone at my house answered the door and the process server from Nelson and Kennard shared that the suit contained a debt I owed for XXXX XXXX XXXX. That was the only way I was able to figure out that I owed this debt. I called XXXX XXXX XXXX and they transferred me to Nelson and Kennard in regards to my debt. After explaining it was for my lease I explained I will pay for the debt. At that time the representative on the phone advised that as long as I put my checking account on file and make XXXX payments of XXXX they would suspend the legal actions and no one else would come to my house and try to serve me with court documents. On XX/XX/XXXX, the same man came back to my house and disclosed the information again to a person at my house and stated they will just leave the paperwork with her next time. This is after we already came up to an agreement and my first payment to come out on Monday XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please investigate and remove the late payment from my record as it is inaccurate. I take pride in my timely payment history, and this entry does not reflect my financial responsibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: General Motors Financial Company, Inc.
State: CA
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: Problem with personal statement of dispute

Complaint:
I live in XXXX California and on XX/XX/2023, I mailed out my monthly payment for my XXXX XXXX to XXXX XXXX XXXX located in Arizona. I was sending the company my XXXX payment in the form of a Cashier 's Check, so there would be no delay in posting it. The cashier 's check was self-dated for XX/XX/2023 and it was issued by XXXX XXXX XXXX  Once I received the check, I immediately dropped it off in the US mailbox outside of the bank, which has a pickup time of XXXX sharp. On XX/XX/2023, I decided to log into my XXXX XXXX account and view my credit reports to see what balances were being reported on my credit cards and immediately noticed my credit score on the credit bureaus had dropped XXXX points. I immediately scanned my entire consumer profile and noticed XXXX XXXX XXXX ( aka GM Financial ) had marked me 30 days late on my car note. In 25 years, my credit has been flawless, I've never missed a payment or defaulted on a loan. The following morning, I contacted GM Financial to find out what's going on and they said I was 34 days late on my car payment. I said that's impossible. I said I sent the payment out on the 15th and worst-case scenario it would have been there no later than Sept 19th. The rep replied, we show it arrived on the 23rd. I said there's no way possible it took 8 days for my car payment to go from XXXX XXXX to XXXX. I said I even sent you guys a cashier 's check, which acts the same as cash and the payment should have been credited immediately. He replied back they have no record of that. I said that's impossible. I said was my payment just sitting for days in your po box , instead of being credited to my account. He didn't respond back. All he said was we show we received it on XX/XX/2023. I said you guys just screwed my credit. I want the 30-day late payment removed from my credit report immediately. This is your guy 's screwup, not mine. I said my payment was there on time, but I'm willing to bet one of your employee 's neglected to go to your po box and retrieve my payment and other customers payments which were there on time. He didn't respond back. I said your company 's going to remove that 30-day late payment from my credit report or I'm going to take every possible legal action against you. The conversation ended with no resolution. That afternoon I sent GM Financial, XXXX, XXXX, and XXXX all letters including copies of my cashier 's checks, which show the XX/XX/2023, date on it. Because of GM Financials employees and their ability not to do their job properly their customers are the ones paying the price. After 25 years of clean credit, they destroyed it. I want that 30-day late payment removed from my credit reports immediately. Thank you.

Company response to consumer: Closed with explanation