BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-07
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: Information belongs to someone else

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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 an 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 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 2020-09-30
Company: WELLS FARGO & COMPANY
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Wells Fargo sent me a free intrest for 18 months application. I responded with a request for XXXX plus to pay XXXX who were charging me intrest on that amount..Wells Fargo turned down my application and I assumed that was the end of it. Two weeks later I recieved a bill from Wells for XXXX plus that they said I agreed to and this went to XXXX. I agreed to nothing in regards to Wells and was surprised they did this. I spoke to a Wells person a few weeks back and she suggested I contact XXXX and request the funds that Wells sent them back to me. I find this not the proper way to do this.I have good credit and dont want this to damage it. Wells Fargo is dishonest with these tactics.

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 2020-09-30
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Due to the recent pandemic, my mortgage company offered Covid 19 protection, we decided to accept the offer, however we were able to make all the payments during this time period. the problem is that the Mortgage company ( Carrington Mortgage ) MISAPPLIED one of the payment in XXXX, and due to this misapplication both mine and my husbands FICO score have dropped 35 pts!!!, I have called Carrington Mortg. numerous times, talked to the escalation dept, and this has  been NO HELP at all. 

My next step is our local XXXX XXXX, to hopefully bring this to a head. 

I have been more than patient with this mortgage company, however I need your help PLEASE. 
I have been denied credit, my husband had been denied employment every month we make a payment were being reported as 30 day late!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi, Back when I was a student in college in XXXX of XXXX, I had a sick day at work, and my manager demanded that i go to the doctor to get a doctors note for missing work that day. My job was at the XXXX XXXX XXXX and was considered a " work study '' position offered for students who needed to work 20+ hours a week because they were low income students and also had the opportunity to do school work and focus on studies at the same time. I went to the doctor paid my co-pay and that was it. I got my note, paid my dues and was on my way to not being fired for being sick. Unfortunately 2 years later I have a collection on my credit report from XXXX XXXX. As soon as i figure this out I pay my debt through the debt collection agency. I had gotten no notice and was completely unaware that there was even a {$160.00} bill attached to my name for this doctor 's visit. If i knew I had to pay that much money for this I would have never went to the doctor. I feel like i was taken advantage of as a young student by a XXXX. Now i have a collection on my credit report for {$160.00} that i did pay back in full, in early XXXX and it is still till this day negatively impacting my credit score and report. I just truly feel that I am not the only person this happens to, and it feels completely unfair and out of my control that this happened to me and is negatively impacting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: DISCOVER BANK
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00}.

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 2022-11-07
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XX/XX/XXXX I PURCHASED A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. WITH CREDIT ACCEPTANCE AS FINANCE COMPANY 22.98 PERCENT APR THEY ASK FOR XXXX DOLLARS DOWN, ALONG WITH MY CREDIT THAT WAS ILLEGAL! NOT TO MENTION, I WAS NEVER GIVER THREE DAY RESCIND PAPERWORK AND NOT TO MENTION THEY HAD THE CAR THE FIRST THREE WEEKS AFTER SALE, DUE TO BRAKE ISSUE! I SIGNED A ELECTRONIC PAD ( ILLEGAL ) NEVER SEEN CONTRACT UNTIL XX/XX/XXXX AND NOTICE OTHER ILLEGAL FALSE MISLEADING PRACTICES OF CREDIT ACCEPTANCE CORPXXXX FEDERAL LAWS WAS BROKEN AND VIOLATED! MY CAR WAS REPOCESSED ON XX/XX/XXXX WITHOUT A COURT ORDER DURING COVID SHUTDOWN I WAS CHARGED COUNTLESS FRAUDLENT LATE FEES! CONTRACT IS FRAUDLENT AND UNFAIR AND NEEDS TO BE INVESTIGATED!

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 2023-08-19
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been working with XXXX XXXX, the branch manager, at my local Truist bank branch that I have been charged an additional interest payment that I did not owe. It is an equity line. It originated in XXXX. I have been to the branch multiple times to have this corrected. They keep redirecting payments. Which is their solution to the problem not my request and payments go to principal instead of interest etc... I get notices in the mail that I have not paid. I get phone calls that I have not paid. I have made an interest payment every month and paid {$1000.00} to principal. I just got off the phone again after explaining again only to reach another dead end. This was 38 minute long phone call. I ask for phone numbers of people in charge of XXXX, who has been unable to correct this from XXXX to the current date and I am told they can not give me this information. I have been told this at the branch, online and from the bill collectors. I have the payment coupons for each month and checks from my bank and my bank statements to show that I have been making payments. I have made all of the payments at the branch office and they have applied them to my account.

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 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
TransUnion LLC decided to reinsert a negative item on my consumer report that was a result in identity theft. However, they fail to provide the Additional Information the creditor sent in order to verify the accurate of such item, under 15 U.S.C 1681i. Also contact the consumer within 5 days of reinsertion of an item once deleted. 

I received this letter on XX/XX/23 for deleted & reinserted on XX/XX/23. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). 

How was a fraudulent account verified? What investigation did TransUnion do?

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 2019-11-17
Company: Kriya Capital, LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We received a debt collection letter from Credence debt collectors that said we owed XXXX a final payment when we closed that account. We changed our service from XXXX bundled with XXXX  internet service on XX/XX/XXXX. We paid {$170.00} to the combined internet/XXXX  charge, of which {$130.00} was our last payment to XXXX. It was paid XX/XX/XXXX, posted XX/XX/XXXX to that combined company account. We repeatedly called both XXXX and XXXX to resolve getting that final payment posted correctly when we kept getting emails that it was past due. The problem is with how XXXX XXXX XXXX, XXXX and XXXX XXXX systems are being integrated. 

Actions : XX/XX/XXXX : Talked to XXXX XXXX. He said we were paid through XX/XX/XXXX and it takes 1 billing cycle to unbundled the services. If we called XXXX to cancel before that, they would credit back any unused days. 

XX/XX/XXXX : Talked to XXXX. XXXX. We canceled our service on this day. She said our service with XXXX would end at XXXX XXXX  on XX/XX/XXXX. She said the account was being converted to the new XXXX XXXX XXXX/XXXX  system so the payment was not yet posted for XXXX. 

XX/XX/XXXX : Talked to XXXX. XXXX -- XXXX. After receiving a bill from XXXX, we called to see what is happening. He had to find our new account number after he could not find our previous XXXX/XXXX  account number. He said he could see our payment of {$130.00} in their system and it would be posted once they converted their system. He confirmed that he could see our cancellation order and that we should not be billed any further. 

XX/XX/XXXX, XXXX XXXX Talked to XXXX ( employee # XXXX ). XXXX. We did not receive a confirmation that the payment was made to XXXX so called to confirm. XXXX said there was an entire XXXX team to help with conversion, and I needed to talk to the combined billing department. 

XX/XX/XXXX, XXXX XXXX. XXXX. Talked to XXXX later that same day. He transferred me to combined billing department. I talked to XXXX  ( employee # XXXX ) who said the payment transfers are still in progress from the old system to the new system. Once the system updates, she confirmed that the payment was there, and it would be applied. She said to stop calling, and I do not have to worry, she sees all my calls on the account notes. She said to ignore the bills that will continue because she can see the payment is there. 

This is not a collection account. XXXX/XXXX XXXX XXXX can not get their system corrected. If you listen to the recorded transcript of my conversation with XXXX, she is actually annoyed that I continued to call about this. We have been XXXX customers since XXXX, never once with a late payment in 20 years and did everything we could to make this payment correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I applied for a XXXX 's credit card a few weeks ago and I was not approved on the spot now today XX/XX/2020 I received a letter in the mail stating that the reason I was not approved was because there are many accounts and inquiries reflecting badly on my credit history. I had no idea what accounts they were referring to so I looked through my credit report and I saw several accounts that I never opened. The accounts are from a few different companies all of which I am not affiliated with in any way ; I have never signed any contract or agreement with any of the companies listed on this report nor did I ever give them permission to run or access my credit file. I did not benefit anything ( money, goods, services ) from these accounts that were opened without my permission and I did not make any payments towards any of these balances. I have already filed a police report regarding these suspicious accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 received my credit report on XX/XX/XXXX and notice there were hard inquires on there and that don't have permissible purpose to be on there. These hard inquires are hurting me from getting approved. I already reached out to the credit bureaus multiple times and they keep violating my rights under 15 USC 1681b. I also have attached the hard inquires that don't have any reason to be on my credit report. XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/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 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent my letters off on XXXX XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 

According to the FRCA the term Investigate Consumer Reports.

Means a consumer report or portion thereof in which information on a consumers character general reputation personal characteristics or motive living is obtained personal interviews were neighbors friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such item of information. 

They stated my accounts was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting a 100 % accurate and according to the FRCA 15 USC 1681 everything has to be a 100 % accuracy I have I've the credit report showing the inaccuracies. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
THIS IS NOT A DUPLICATE REPORT! This is a complaint on the failure to add POSITIVE items that should be being reported. I have contacted the vendors, and they said that they are reporting each file to all three credit agencies. I have tried MULTIPLE times to have this error fixed! I have attached the files in question.

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 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hello, My self XXXX XXXX XXXX SOCIAL ending with XXXX. Date of birth is XXXX XX/XX/XXXX. 
There is showing XXXX XXXX XXXX credit card account on my Social number. but I never applied for XXXX credit card. 
I was not in united states from XXXX XXXX to XX/XX/XXXX. 
I just checked my credit report and I came to know that there is XXXX XXXX account is open. 
I would like to remove that activity from my account because it is affecting my credit score and company 's credit.

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 2021-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
XX/XX/2021 someone took {$480.00} out of a XXXX XXXX XXXX with my BofA EDD card information. Bank of a America closed the case without refunding the money that was stolen. Phone call after phone call, Bof A agreed to look at this case again. The claim number is XXXX. Earlier this week I filed a police department with the XXXX, CA police department The police report file number is XXXX. XXXX XXXX XXXX took the report. His badge number is XXXX. His cell phone number is XXXX. His office number is XXXX. The address of the police department is XXXX XXXX XXXX XXXX, CA XXXX. I want Bof A to refund me {$480.00} for the identity theft that was committed!

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 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my 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 XXXXXX/XX/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 2022-08-18
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

Company response to consumer: Closed with explanation