BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-07
Company: Experian Information Solutions Inc.
State: MN
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 noticed that there are still accounts that are reporting erroneous and incorrect information. Right now, I am not satisfied that Credit Bureaus have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting their examination. I sense that the remaining accounts need proper action to assure the maximum possible accuracy on my credit file. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please have these accounts corrected : 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 2018-09-03
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XX/XX/XXXX and XX/XX/XXXX XXXX XXXX report to my credit bureaus. I was 90 days and 120 days past due when I was in fact only 60 days past due accordingly to my online account with them. I did contact them I was told unfortunately they where unable to fix the account once reported I find.that hard to believe. I currently pay on time and when if cant they give me forbearance and deferments. On my credit report it shows XXXX XXXX XXXX current and then all of a sudden XXXX 90 days past due and I spoke to them in XXXX and got approved for forbearance then all of a sudden XXXX 120 days past due makes no sense that they report current then jump to late and refuse to fix. I attached the copy from XXXX XXXX showing I was approved XX/XX/XXXX to XX/XX/XXXX. Per there documents

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Experian Information Solutions Inc.
State: SC
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information 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 2021-12-31
Company: Nationwide Credit Corporation
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is pertaining to VA toll service. I owed XXXX in tolls and VA sent me to this collection agency and they want XXXX in administration fees. 13 tolls total and they want XXXX dollars for each toll. I have a toll pass but funds were not available due to having XXXX XXXX. I can send the statement they sent me. Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When I refinanced my new construction home, the XXXX tax assessments had not been released and my lender used estimated values. These values were over estimated so that the payment at closing paid both the XX/XX/XXXX and XX/XX/XXXX installments. In addition, to paying the tax year in full, there was an overpayment returned to the settlement agent. 

I have submitted documentation ( attached ) from the county tax assessor and treasurer several times to my mortgage servicer and have asked that they update their escrow lines and perform an escrow analysis ( XXXX e-mail requests and XXXX phone calls ). The escrow lines were updated incorrectly and subsequently returned to the original set up from closing. Based on current assessments and tax rates, the escrow was over-collected at closing and continue to be over-collected on a monthly basis ( in an amount of approximately {$150.00} per month ). 

When I called today to check on my most recent request, the representative advised that they confirmed with the county that the installment in XX/XX/XXXX had not been paid ( though I have provided documentation otherwise ) and that they have completed an escrow analysis that shows the account is in balance. 

Based on the current tax assessment and rates ( XXXX assessment {$36000.00} / Primary Tax Rate ( Per {$100.00} ) {$9.00} / Secondary Tax Rate ( Per {$100.00} ) {$6.00} ), the estimated XXXX tax is {$5900.00} ( {$360.00} * {$9.00} = {$3500.00} ) + ( {$360.00} * XXXX = {$2300.00} ). 

On a monthly basis, the amount being collected for taxes should be {$490.00} vs. the {$640.00} being collected today. The next installment due dates are XX/XX/XXXX and XX/XX/XXXX. 

I realize that because the county does not set the tax rates until XXXX of next year, there may be a shortage due to any increase in rate, as would typically be expected each year.

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 2023-05-17
Company: Experian Information Solutions Inc.
State: IL
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:
Experian is reporting inaccurate information on my credit report that has not been verified under federal law nor have I consented to the reporting of this inaccurate information. The inaccuracies and failure to reinvestigate this information has caused me financial harm and injury.

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 2020-12-15
Company: EQUIFAX, 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 submitted A dispute prior with all 3 consumer reporting agencies several times in regards to the " XXXX XXXX XXXX  XXXX '' that appears on my credit report with A balance of XXXX. All 3 consumer agencies updated the account with disputed but did not remove the account. When I received the updated report in the mail it had this account came back as " Verified ''. I then reached out to XXXX XXXX XXXX  card directly and they informed me they had not received the prior disputes from the consumer agencies. They then opened there own investigation and determined this account was NOT my account and in fact A fraud account. I am wondering how was all 3 consumer agencies able to " VERIFY '' an account that the company itself is saying is invalid and fraud? : I went onto the equifax website and could not submit documentation because it still says under investigation. However XXXX  and XXXX both say online that I am unable to dispute the information again due to the prior disputes. I have attached the letter I reached on XX/XX/20 from XXXX XXXX XXXX card advising and confirming that the account was fraud and did not belong to me. They also advised they will remove any reporting from all 3 consumer reporting agencies within 45 days. I should not have to wait on this company to reach out to remove this fraud account when I have submitted several disputes and the consumer agencies failed to properly veriy the account according to the FCRA. I am also requesting that all 3 consumer reporting agencies have my name listed correctly as XXXX XXXX as I have sent my drivers license and social several times to have my personal information updated. My last name is no longer XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: TN
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:
DEPT OF EDUCATIONXXXX acct XXXX XXXXXXXX has also violated my right and in one bureau it is not even there anymore and it should not be In accordance to the FCRA Acct, DEPT OF EDUXXXX acct XXXX XXXXXXXX has also violated my rights without accurate info. 

In accordance to the FCRA acct Account number XXXX has also violated my rights. Without accurate info. This was paid off by another company and closed. Should not be showing on my report. 
In accordance to the FCRA acct XXXX XXXX XXXX XXXXXXXX has violated my rights. Also without accurate info. 
In accordance with the FCRA act XXXX acct XXXX XXXXXXXX has violated my rights. Also without accurate information throughout all 3 Bureaus. 

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

15 U.S.C 1681 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

There has also been identity theft as in some of my names are not correct, or places I have lived. Some of the inquires were definitely not made by me. And this I just found out has happened over the years. They have stolen my deceased fathers identity, mine and possibly my childrens as well. We are part of that XXXX data breach as well. 
I would like them to furnish me back for everything they have done to basically destroy my life ( what it feels like ). I know one report stated I lived in Georgia as well and I looked it up and it was an actual house address. 
I would like something done before I have to step into legal matters. The agencies have given the power of XXXX XXXX over me and me constantly being worried that I will be exploited and jeopardized again. I have not checked my childrens credit because to be honest, I am scared to. 

People have stolen from me and my father ( like I said who is deceased ) and I can not get into his report. But I saw his identity being used and mine just with slight adjustments to our names at times. 
Also the XXXX XXXX XXXX that is not mine. I was only an authorized user on it until my mother in law got rid of her account. 

Please advise. 
Thank you very much.

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 2021-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 notified XXXX, XXXX, and TransUnion about the Federal Violation of 15 USC 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) IN ACCORDANCE WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES. 

I NEVER GAVE XXXX, XXXX, AND TRANSUNION ANY WRITTEN CONSENT TO REPORT ACCOUNT # XXXX XXXX XXXX XXXX 
NO CONSENT IS IDENTITY THEFT, WHICH IS A FEDERAL CRIME.

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 2021-12-07
Company: A+ Loans, 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:
On XX/XX/XXXX, I had filed a dispute on XXXX for a debt that has been improperly reporting on my credit report. The account with A + Loans was opened in XX/XX/XXXX. Due to incontrollable circumstances in which I had no other options than to file a chapter XXXX bankruptcy. On XX/XX/XXXX I had filed for protection under Chapter XXXX. On XX/XX/XXXX the initial notice was sent to the creditors and on XX/XX/XXXX the notice for the meeting of creditors ( date/time/place ) was sent. All three notices included A+Loans. My bankruptcy was discharged on XX/XX/XXXX and A+Loans was sent a discharge of debt. I've attached a copy of the petition, meeting of creditors and discharge paperwork. Unbeknownst to me, A+ Loans started reporting this account with a XX/XX/XXXX open date and a XX/XX/XXXX charge off account. This was after the debt was forgiven and prior to them ever reporting on my credit. The results of the dispute didn't rectify the issue. They zeroed out the account and listed a bankruptcy date of XX/XX/XXXX and a closed date of XX/XX/XXXX. From my understanding, this is a violation of my rights under the FCRA. The update has now caused me to lose my pre-approved status on trying to purchase a new home. I've worked hard to start rebuilding myself after my bankruptcy and I was told that the way it's now reporting is valid. This debt should've never started reporting XXXX years after my discharge nor should it be dated as closed/included in bankruptcy as of this year. This account was never reporting prior to XX/XX/XXXX, so how is it legal that they can erroneously start reporting a discharged debt in which they were informed through my petition, meeting of creditors notice, and discharge notice?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: Debt Management Incorporated
State: RI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I appeared at XXXX XXXX via a referral from my girlfriend at the time. Ms. XXXX XXXX said she was " see me for free and handle the insurance issues later if there was any. '' AFTER i had already handed my cards to the staff to be sure I was covered, one of the staff came into the exam room while the work was checkup was being performed - ( I was in the room for 6 minutes total, she came in after 5. ) and told Ms. XXXX that there was insurance issues of some kind and I was not covered. Ms. XXXX replied to " XXXX? '' or the staff member who had came into the room that I would not be billed for today and it was going to be a courtesy visit. 

I have called the office twice, not only do they deny the above, but have also been extremely rude to me when I try to state my claim and reasoning. I think this establishment is great, and has performed wonders for friends and family of mine, but clearly on this day there was an issue. Since then I have had the work she quoted at $ 640+ and an additional 8 sessions performed at XXXX for a cost of {$0.00}. 

I made it very clear that day that although this was an " emergency '' and that I did wants things taken care of, that financial means came first and that was my first in order of concern. I never followed up with this office again after finding an office that showed me four days later that not only did I have XXXX  insurance, but that I had full coverage. I attempted to relay this information to the office on my second call to them and they said they " never took that insurance, and that I must be mistaken '' - I have only had one insurance since moving off my parents plan on my XXXX birthday. ( per RI law ) I am unsure why there is any confusion in the office when I was clearly told one thing and then after receiving bills, and now collection notices, I am very disappointed in a business that appeared honest and forthcoming and came highly regarded.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Respected WellsFargo officials, As per our discussion, even though you mentioned that actual money was withdrawn only on XX/XX/XXXX, As far as i can see, the transaction was initited on XXXX XXXX and money was obtained by XXXX immediately. So there is no chance that XXXX paid for my transaction and claimed it on next day. 

Thanks XXXX On XXXX, XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX wrote : Snce my account address is in California which works on XXXX, I am paying wellsfargo for low daily balance. 

XXXX XXXX : Wells Fargo XXXX Name on XXXX XXXX XXXX Payment account XXXX XXXX  ... XXXX Amount {$12.00} Send on XX/XX/XXXX Deliver by XX/XX/XXXX Memo ( Optional ) Fees low balance on XX/XX/XXXX XXXX characters remaining. 
Confirmation XXXX On XXXX, XX/XX/XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX wrote : Following is time stamp in IST when XXXX  received the money from WellsFargo. 

Money received ( # XXXX ) XXXX  XXXX To : XXXX Tue, XX/XX/XXXX at XXXX XXXX  This message contains blocked images.Show images orAlways show images On XXXX, XX/XX/XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX wrote : I am pasting the emails so that time stamps when money transfer was initiated are corrected. Time stamps on the main header is in XXXX. 
Time stamps in XXXX banner within the email are in Eastern time zone in XXXX. 

Completion : XXXX Investments XXXX Unsubscribe Tue, XX/XX/XXXX, XXXX XXXX  ( 3 days ago ) to me XXXX XXXX : XXXX sent XXXX XXXX XXXX XXXX Tue XX/XX/XXXX XXXXXXXX XXXX XXXX Initiation : XXXX XXXX XXXX Unsubscribe XXXX, XX/XX/XXXX, XXXX XXXX  ( 3 days ago ) to me XXXX XXXX : Electronic Funds Transfer Initiated XXXX XXXX Subscription Alert XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX wrote : Respected Officials, Following up on this, I received XX/XX/XXXX statement from WellsFargo, that no fees was charged for this. I don't know if debit card transaction will be settled on next day. I have'nt received any response from WellsFargo. I initiated the money transfer around XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( i.e XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ). 

I brought in money from XXXX to bring balance back to above {$500.00} on same day in XXXX. But as per XXXX, the money transfer from XXXX completed next day. 

Thanks 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 2021-02-07
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Between the months of XX/XX/XXXX and XXXX of XXXX, my identity was stolen which resulted in fraudulent activity to occur. My personal information was compromised after my laptop was stolen which included my bank account information with Truist Bank formerly known as Suntrust bank. An unauthorized transaction was made, which resulted in an overdraft of my account. The account has gone into collections with XXXX XXXX XXXX XXXX XXXX Account # XXXX. I have made several attempts to get this incident resolved.

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 2023-07-28
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:
My credit report is showing late payments to XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, and XXXX XXXX. 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 the creditors customer service representative.

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 2021-12-31
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Paid off lien of vehicle. Got notified of garnishment of my wages by employer ( XXXX XXXX XXXX ) dated XX/XX/XXXX. I received court paperwork from XXXX XXXX XXXX on XX/XX/XXXX via the United States Postal Service . Garnishment of wages occurred on XX/XX/XXXX. I have a lien release dated XX/XX/XXXX. I have a clear title from the State of Michigan dated XX/XX/XXXX when applied for a new title to sell vehicle. I was never notified of a court date. Therefore I was not able to submit paperwork to court. This is also affecting my credit report to the negatively.

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