BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-23
Company: TD BANK US HOLDING COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed out of {$5000.00} for an online vehicle purchase from a company supposedly based in Maine but was doing business under an address in Pennsylvania. The company, XXXXXXXX XXXX XXXX located at the said address of XXXX XXXX XXXX. XXXX, ME XXXX had vehicles listed for sale, that I came to find out were actual vehicles for sale from other dealerships throughout the US. 

They provided me a Bill of Sale, XXXX with matching VIN number, video walkarounds of the truck as well as tracking details when the truck was " enroute ''. I communicated with a gentlemen who went by the name XXXX as well as another gentlemen " XXXX '' who was the driver and everything seemed legit. I even did a bunch of research prior, confirming the LLC as " XXXX XXXX XXXX  '' registered at XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. This LLC was registered since XXXX and the payment I sent was to their TD Bank account, which I still have all the account details for. 

I have since tried contacting TD bank and they will not help me as I am not a customer, and essentially have told me to kick rocks. I did contact my bank, XXXX on Saturday XX/XX/XXXX the day after the wire transfer to make them aware I believed it was fraudulent. They told me they would attempt to contact TD bank but that is basically all I have been told and that more thank likely this money is gone. 

I am not sure to what extent the bank can go to refund my money, but with the amount of details I have, there has to be something that can be done. I plan to press charges against the LLC but am filling a formal complaint against both TD Bank and XXXX for the lack of effort and support from a FEDERALLY INSURED financial company. There needs to be more action with regards to scams and I will take this as far as I need to. The FBI, FTC, Attorney General and XXXX  have all been contacted as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Conn's, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX, 2022, We ordered furniture and it was sent to us. this is a online company. Conn Furniture who really did Conn us. they sent a broken living room set and charge us XXXX we request for someone to come from there company to look at it. he reported it in need of repair and to be replace. They refuse to take this broken living room set that we set picture and reported it several times and gave us bad credit on this. So I'm not paying for a use broken couch so they call my number everyday on the hour on sat and Sunday and late at night. to get me to pay. customer service will not talk to me. just send a robo call to consistently harass us with calls. I ask them to come and pick this couch up and they said they don't take returns, but someone did return it because its so horrible that you cant sit on it.they came out 2 times and reported that I need a new couch and they refuse to fix it just call and call for payment. its not fair. I did not ask for a use sofa. and We call them to return it back in 2 weeks after it was delivered and they also have a extra warranty on the account. this people act like the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: Westlake Services, LLC
State: GA
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:
I have no knowledge of any of these hard inquiries on my credit and would like for them to be removed!

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 2023-05-15
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The original company that owned the loan was XXXX. They had a reporting issue with their data. They fixed it and took it off our credit because they realized they never reported us late but then suddenly had a 120 day late which was not true. we tried to close on the house ( selling it ) and XXXX was so messed up on our payoff it was crazy. we had to wait two months to close... we finally closed on XX/XX/XXXX, well we had no idea that they had sold the loan to Specialized loan services on XX/XX/XXXX. So they processed what XXXX turned in to them which was incorrect. Now the Specialized Loan Services that we never even dealt with has effected our credit. We are now trying to close on our newly built home and now realize we have a 120 day late ruining us which is ridiculous! The company never even reported insurance/escrow as the home closed. So I had to send closing documents to the insurance. I am unsure what to do about escrow or anything else... I have never had anything happen like this which is CRAZY the amount of phone calls and letters I am having to write to try and get this fixed.

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 2019-03-31
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Equifax, XXXX  & XXXX Company : XXXX XXXX Date : XX/XX/2015 AND XX/XX/2015 I got only ONE credit card with XXXX XXXX back in XX/XX/2015, and they closed down one account, however it shows up as TWO accounts closed. I have already PAID the collection within the 3 months the amount showed up back in XX/XX/2015.

I tried to ask them to remove the collection when I paid, but they refused to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
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: Information belongs to someone else

Complaint:
I have no idea what it is and why its on my report. I want proof of who they are not some random bill that can be from anywhere due to fraud. I never received anything from these companies and I dont have any knowledge of them.

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 2020-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2018-10-02
Company: Experian Information Solutions Inc.
State: NM
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:
Experian and XXXX XXXX are not responding to any of my numerous requests to investigate, verify and remove accounts from my credit reports/files that do not belong to 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 2023-05-02
Company: EQUIFAX, INC.
State: GA
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:
My name is XXXX XXXX ... the living human being, I am submitting this on my own behalf..no credit repair company..no attorney ... .this is my knowledge of the Fair Credit Reporting Act. I recently submitted to all 3 bureaus that my credit reports contain fraudulent accounts, I submitted all correspondence proving that these accounts are fraudulent yet the bureaus continue to send me reports claiming that these accounts belong to me without any PROOF! I know it's frivolous, hoping that I go away and accept this fraud. The consumer financial protection bureau know first hand that these companies work for the CORPORATE wolves! I demand that these bureaus, XXXX, EQUIFAX AND XXXX are forced to do their jobs! In accordance with the Fair Credit Reporting Act XXXX  accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX HAS VIOLATED MY RIGHTS.

15 U.S.C. 1681 SECTION 602 STATES THAT I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 604 SECION 2. STATES THAT CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN PERMISSION.

Every account listed above has been put on my credit reports fraudulently and I demand they every one of them is deleted immediatley! the Law is clear and all 3 of these Credit reporting agencies are clearly in violation of the law and I am prepared to do everything I need to do by LAW to hold them accountable! Every violation holds a monetary value that I will pursue in the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Radius Global Solutions LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent a certified letter to RADIUS GLOBAL SOLUTIONS to verify a debt that they claim is mine. According to USPS tracking, RADIUS GLOBAL SOLUTIONS received the letter XX/XX/XXXX. I am aware that they are allotted 30-60 days to review and respond to my letter of validation. I have not received a response from RADIUS GLOBAL SOLUTIONS. I sent a follow-up letter certified on XX/XX/XXXX. According to USPS tracking, RADIUS GLOBAL SOLUTIONS received the letter XX/XX/XXXX. In the follow up letter, I stated that RADIUS GLOBAL SOLUTIONS had 15 days to respond to my follow up letter. 15 days after receiving the letter is XX/XX/XXXX. I have not received a response from RADIUS GLOBAL SOLUTIONS as of today ( XX/XX/XXXX ). This is against 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 2023-12-17
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for 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 non-monetary relief
Consumer complaint received 2023-12-17
Company: SYNCHRONY FINANCIAL
State: VA
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:
I requested proof of inquiry and was told that don't have proof so I asked them to remove them and they said no

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 2023-12-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Wells Fargo ran a promotion for their premier checking account and advertised {$2500.00} bonus when transferred certain number of assets. I have been rejected the bonus because my US tax identification was not on the account. I had mortgage with them and they could have reached out if they required tax info ( even after reaching all the conditions ). They got everything needed at bank and confirmed that they had everything when I converted the account to premier. 

This feels like a bait and swithch tactic by wells fargo, they got my business, got my asstets transferred and then rejected ny bonus for not havin tax id? How did you even get my assets without tax id?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-17
Company: Experian Information Solutions 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-17
Company: Experian Information Solutions Inc.
State: IL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company response to consumer: In progress
Consumer complaint received 2023-07-12
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
On repeated occasions, it was requested that the debt under U.S. Bankruptcies be verified with the original creditor and not LexisNexis. I deny the debt and the entries on my credit report.

1. Fair Debt Collection Practices Act ( FDCPA ) : The FDCPA regulates the practices of third-party debt collectors. Under this law, if you dispute a debt, the debt collector is generally required to provide verification of the debt and cease collection efforts until the verification is provided.

2. Fair Credit Reporting Act ( FCRA ) : The FCRA governs how consumer credit information is collected, reported, and used. If the entries on your credit report are inaccurate or unverified, you have the right to dispute them with the credit reporting agencies.

Fraud and Identity Theft Under 15 USC 1681b, consumer reporting agencies are allowed to furnish consumer reports to individuals and entities with a permissible purpose. Permissible purposes include : 1. In response to a court order or federal grand jury subpoena.

2. For legitimate business needs related to a credit transaction.

3. For employment purposes, such as when an employer wants to conduct a background check on a potential employee.

4. For insurance underwriting or determining eligibility for insurance coverage.

5. To assess a consumer 's eligibility for a government license or benefit.

6. In connection with a legitimate business transaction initiated by the consumer, such as applying for a loan or renting an apartment.

7. To review a consumer 's account for account monitoring or account review purposes.

I have requested documentation from LexisNexis on what is reported on their report under my name and for removal of a third party report for bankruptcy. I have never received the information. I was told through XXXX that they are the entity reporting the bankruptcies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
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: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-05-02
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
after reviewing my credit profile I discovered a discrepancy on my credit profile listed under midland credit management with the account number being XXXX validation of this debt has been requested on several different ocasssions and to no avail I first requested debt validation on XXXX of 2022 then I requested it again on XXXX XXXX 2022 this account is still showing up on my credit report and it has not been validated or updated do not belong to me nor do I believe the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. my most recent attempt to get this debt validate was on XX/XX/XXXX and I still haven't received any debt validation yet and I sent them all certified and enclosed is a copy of my latest attempt to get this debt validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Initially I was able to check my credit report per once a day as described on their website, but because I have been disputing the accuracy of my credit reports, I believe they have shut me out from accessing it online because of this. They say that it is because items are in dispute, but items have been in dispute since XXXX and I was able tp access my reports for the last four months. I have not been able to access my credit report since late XXXX XXXX. I have had to use other credit monitoring reports to access my report with TransUnion.

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 2020-03-04
Company: TIDEWATER FINANCE COMPANY, INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Tidewater motor Finance continues to report false derogatory information to the credit bureau ( XXXX, XXXX  and XXXX ). I have disputed this information several times with no resolution. Due to this inaccurate reporting, I have been denied a home and Jobs. I have provided Tidewater with court documents from XXXX County Clerk of the circuit court to validate my claim Tidewater continues to harass and retaliate against me by adding negative remarks and extra fees every time a dispute is filed which cause my credit score to decrease monthly. In XX/XX/2015 the courts ordered me to pay XXXX, Tidewater is reporting XXXX. They are reporting negative information twice on my XXXX  credit report.

Company response to consumer: Closed with explanation