BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: MA
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:
Experian has a collection account that reporting inaccurately on my report they are the only credit bureau listing this account which is inaccurate it shows a past due balance on a collection which is against the law the company is XXXX XXXX XXXX the account number is XXXX company XXXX XXXX XXXX this account should not be reporting in credit and I would like it removed immensely Experian report should match the reports of XXXX and XXXX they are the only bureau reporting account and its inaccurate and I want removed asap I attached proof showing only Experian reporting this collection

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 2023-02-07
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$32000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$32000.00}

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 2023-07-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I deposited a payroll check into my account on XX/XX/XXXX with Wells Fargo that paid out. I keep those checks in a filer and someone redeposited the check XX/XX/XXXX into another account without me finding out until later. I called the company the check was sent to and deactivated the account set up in my name and the funds were not paid out. I started a dispute with Wells Fargo to get my funds back into my account and have been getting nothing but push back, talking to 3-5 people every other day with no resolve. Its been 2 weeks and I have not gotten any closer to a resolution than when I started, Im at my wits and need a resolution.

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 2020-12-18
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX. There are also 3 accounts that does not even have a name but it shows the account numbers XXXX, XXXX, XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX  XXXX, XXXX 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 2023-05-24
Company: American First Finance, Inc.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/2022 I went to XXXX XXXX to purchase a bedroom suite . I placed a downpayment of XXXX. Little did I know nor paid any attention to the interest and finance charges. ( My Fault for not looking at the both charges ) However, my intention was simple try to payoff the bedroom suite within the XXXX timeframe. To avoid any interest or/and finance charges. I thought and believed there were no finance charges nor interest until after the 12 months. Which means XXXX XXXX began charging interest and finance charges on XX/XX/2022. Which started accumulating charges the next day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 I made a {$60.00} purchase via XXXX XXXX. The {$60.00} XXXX XXXX   charge cleared XX/XX/2020 per Capital One and XXXX XXXX. I was expecting a {$60.00} refund from Costco. XX/XX/2020 I checked my account and I had an available balance of {$0.00}, the Costco refund had not yet hit my account from where I could see. XX/XX/2020 I see the {$60.00} credit from Costco hit my account and I now had a available balance of {$0.00}. Capital One held my {$60.00} refund and stated it was for the {$60.00} XXXX XXXX  that cleared on XX/XX/2020 and my account is less {$0.00} with no explanation. According to my Capital One Statement I have one paid {$60.00} XXXX XXXX and 1 pending {$60.00} XXXX XXXX, but they are the same. According to my XXXX XXXX, it only shows the {$60.00} that completed on XX/XX/2020. I called and spoke to XXXX as well as a Supervisor to get this cleared up as the {$60.00} was needed. Capital One refused to help me despite me informing them of my hardship this incident has created. My children and I are stranded away from home and unable to buy food as a direct result of this incident. I was looking forward to the {$60.00} that Capital One stole from me to repair my vehicle and buy food for my kids. My children and I are stranded away from home and without food because Capital One refused to remove the hold for a transaction that had already completed. Now my children and I are faced with an even bigger hardship during COVID-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 deleted from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account was paid on time as agreed never late! Payment was reversed from Bank and 60 days later I noticed decrease in score! I contacted agency to square this away and they told me to contact bureau!

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 2022-11-07
Company: SANTANDER HOLDINGS USA, INC.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I, XXXX : XXXX, XXXX XXXX XXXX for exercising my consumer rights in good faith under the CONSUMER CREDIT PROTECTION ACT and denied the use of my own credits pursuant to 15 U.S.C. 1691. Equal Credit Opportunity Act makes this unlawful. SANTANDER CONSUMER USA and XXXX XXXX pursuant to 15 U.S.C. 1692j, furnished an application which is a deceptive form and that is unlawful to design and used my personal information without my written consent, making this identity theft. I was not given full disclosure about all material facts. SANTANDER CONSUMER USA and CHRYSLER CAPITAL has communicated with credit agencies without my written permission which is identity theft and also a violation of my consumer rights. SANTANDER CONSUMER USA and CHRYSLER CAPITAL quoted me charges that totaled more than the finance charge and did not include any insurance premiums with services pursuant to 15 U.S.C. 1605 ( a ), 1605 ( b ) ( 2 ), & 1605 ( c ). These unfair and deceptive business practices are all in violation of my consumer rights pursuant to The Unfair and Deceptive Business Practices Act. I sent a notice to SANTANDER CONSUMER USA and CHRYSLER CAPITAL and received a correspondence back without remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
They take more out your account like u don't know what your spending

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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
See attachment regarding the issues that this company has created. Also, THIS IS NOT A NEGOTIABLE INSTRUMENT, WHICH MEANS THIS CAN NOT BE SOLD OR TRANSFERRED! This company has broken the law, and if they don't correct this ASAP, I WILL TAKE THE NEXT STEP!

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 2023-08-07
Company: EQUIFAX, INC.
State: MO
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:
XX/XX/2023, I sent a letter disputing items listed on my credit report. Many violations were made and not corrected. 

I have not received any response relating to my dispute request. It has been past 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08
Company: AmerAssist A/R Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: MD
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:
In accordance with 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
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: Information belongs to someone else

Complaint:
Im rejecting your position to decline my identity theft. Who are you to know if Ive been a victim or not? You have zero authority or legal position to make this claim. If you continue to decline my position, I will contact my attorney to pursue a legal remedy. Please see my identity theft claim is processed by the letter of the law. Im providing you a legal law enforcement agency report which was filed with a federal agency. Lets get this matter resolved within the 5 days required. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. Please remove these accounts immediately.

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 2023-04-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
See attachment regarding the issues that this company has created. Also, THIS IS NOT A NEGOTIABLE INSTRUMENT, WHICH MEANS THIS CAN NOT BE SOLD OR TRANSFERRED! This company has broken the law, and if they don't correct this ASAP, I WILL TAKE THE NEXT STEP!

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 2023-07-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
15 U.S. COde 1681b Permissible purposes of consumer report. I did not give permission to report this on my credit report. I have no knowledge of this collection and would like it to be removed immediately. This is 15 USC 1681 ( b ) ( E ) false information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Bread Financial Holdings, 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 have written letters over the years in regards to this account. I have never lived in the state of Georgia. This account was opened when I was barely 18 and credit was not even a thought. I am also a XXXX male who would not have any interest in obtaining a Victoria Secrets card. Someone has opened two accounts in my name I sent a new letter and identity theft affidavit back on XX/XX/2021 and the item finally got removed Comenity Bank then illegally re-inserted the account back on my credit report afterwards. I have no idea how this account was opened however it's caused a tremendous amount of harm to my credit scores. I went to XXXX Police Department and they stated that I would need to provide additional information for an investigation that leads to an arrest as of today they have not sent me the information requested. This is a serious matter that I would like addressed immediately. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am writing to address a concern regarding the extended fraud alert currently placed on my credit report. My name is XXXX XXXX, and I kindly request the prompt removal of this alert. I have enclosed the necessary documents to verify my identity, including my proof of ID, proof of address, and proof of my social security number.

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 2019-02-13
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
This is against Ditech ... 

Payment in the amount of {$28000.00} was received on XX/XX/2018 for APN : XXXX ; XXXX  ID : XXXX  ; XXXX XXXX ; XXXX, XXXX, CA XXXX. The payoff is considered incomplete because payment was received after the XX/XX/2018 valid though date shown on the previously issued payoff statement and the amount was less than what appears on the current payoff statement valid through XX/XX/2018. 

Enclosed is an updated prepayment calculation showing the remaining amount due of {$210.00} to complete the payoff by XX/XX/2018. If the HERO Assessment is not paid off, the remaining balance will be re-amortized and collected via the property tax bill. 

As the consumer I was not made aware that the Hero  Loan was not paid in full, I was under the impression as per the T & C of the refinance that the Hero Load was paid in full, which it was not. Ditech then sold my loan to a loan holder who I did not even make a payment to as they sold it to XXXX XXXX, when I contact XXXX XXXX they informed me that they had nothing to do with this re-fi, that I would have to contact Ditech, Ditech told me that there was nothing they could do about it. I have now requested a payoff amount from XXXX  XXXX to find out what my current balance is on this loan that should have been paid off per the T & C of my re-fi by Ditech.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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