BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 letter is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late or closed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof 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 2022-04-19
Company: Conn's, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX Conn 's first inially stated I owed {$3300.00}. 
I eaxplained I never took delivery of the mattress. 
XX/XX/XXXX They finaly removed the mattress charge but the tv charge should only be {$660.00} XX/XX/XXXX The TV chaerge was still showing {$760.00}. The tv was only {$660.00}. 
XX/XX/XXXX I could not longer make payments Conn 's company would not tell me the late fee cahrges only what was due. 
XX/XX/XXXX I emailed Conn 's and said I can pay {$25.00}. They asked me to tell them why I explained I was no longer working they said I need to borrow the money to pay them. 
XX/XX/XXXX Still not working I can pay {$25.00}. Conn 's said I owed {$890.00}. 
XX/XX/XXXX Still not working I can pay {$25.00} Conn 's said I owed {$990.00}. 
XX/XX/XXXX Still not working I can pay {$25.00} Conn 's said I owe {$1300.00}. 

The amount I owed kept increasing with no explanation. However on my credti report it reported I owed {$760.00}. 

I attempted to contact COnn 's and explain that the ampunt of teh tv was {$660.00}. Please send me a ledger with the monthly late fees showing the amounts and they will not. 
They tell me one amount but I check my account online and its always more. 
I want to pay for cost of the tv. Not all these different chanrges that seem to be made up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
XXXX XXXX XXXX XXXX Wells Fargo Bank XXXX XXXX XXXX Less than I week after I mailed a check to the Internal Revenue Service XXXX XXXX noticed online that the check that I mailed had been modified/washed. I immediately notified Wells Fargo Bank on XX/XX/2022, that a check that I wrote payable to the US Treasury for {$4400.00} for estimated taxes had been modified ( washed ) and made payable to a person that I did not know, XXXX XXXX. I noticed this payee change online on the Wells Fargo website. The check image clearly shows that the payee 's name was washed off and changed. There is a note on the check that this is for 2022 estimated taxes ( XXXX XXXX ). The check was mailed a few days before in a blue XXXX Postal Service mailbox. On XX/XX/2022, I receive confirmation from Wells Fargo of my report of XXXX XXXX. I also reported this check fraud to the XXXX XXXX, PA Police Department on XX/XX/2022, and case number Case Number XXXX was opened for this by XXXX XXXX XXXX Detective XXXX XXXXXXXX Police Department XXXX 
On XX/XX/2022, I received an affidavit form from Wells Fargo to fill out for the Check Fraud Claim, which I filled out, had notarized, and submitted at my local Wells Fargo XXXX XXXX on XX/XX/2022. As of XX/XX/2022, I have not received any reimbursement for the funds lost in this Check XXXX case. I would think that 3 months is sufficient time for Wells Fargo to investigate this case and reimburse the funds 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 2023-05-10
Company: EQUIFAX, INC.
State: VA
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:
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. 

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 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 2023-06-22
Company: EQUIFAX, INC.
State: TX
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: Problem getting your free annual credit report

Complaint:
XXXX AND EQUIFAX WITH FICO WORK HARD TO KEEP THE GENERAL PUBLIC FROM FILLING COMPLAINTS AGAINST COMPANIES. THE THREE PROTECT COMPANIES AND MAKE IT AN INTENT TO DRIVE YOUR CREDIT DOWN TO RUN YOUR FICO SCORE INTO THE GROUND. I HAVE TRIED WORKING THIS OUT WITH BOTH XXXX AND EQUIFAX TO NO AVAIL. THE GENERAL PUBLIC NEEDS SOMEONE TO PROTECT THEM LIKE THE BUSINESS HAVE WITH XXXX, EQUIFAX, XXXX AND FICO. THESE FOUR COMPANIES SHOULD BE THERE TO PROTECT AGAINST FRAUD, ILLICIT INQUIRIES BOTH SOFT AND HARD INQUIRIES ON YOUR ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Bridgecrest Acceptance Corporation
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I leased a car with drive time in XXXX! I had an accident in XX/XX/XXXX, the car was totaled. In XXXX i signed a contract with XXXX to have gap insurance in my monthly payments. when the accident happened the company claimed they dont offer it anymore yet for some reason i was never notified of these changes and was still paying the fee of having it. The car was complete loss and i was in able to drive it i called my insurance they told me i had gap and to call them gap said i needed to call the insurance l. Both was giving a run around. I called XXXX XXXX  and told them what happened and asked them to come get the car mind you it was the end of XXXX XXXX they said they would come get it but i still needed to make the monthly payment. i told them im not making the payments on a car i can not drive and got into a new car the same week. I called them the next day and told them to come get the car again. ( still XX/XX/XXXX ) they let the car sit in my driveway until XX/XX/XXXX and was marking missed monthly payment until they came and got it and even a month after they came and got it. this company has multiple lawsuits on them for fraud and scams and I fell victim to it as well. the account was closed on my credit and for some reason it is back open. I volunteered to give this car back being as they broke contract with gap insurance. it is listed as an involuntary repossession and multi- month missed payment. this is all inaccurate information the account was listed closed on my credit after a dispute in XXXX and now it was changed from repossession to unknown as well as it says i made a payment on it in XXXX this account is closed on all other credit reporting companies. im not sure why it is being able to reopen. I added up all the payment on this car from the old portal and it said i paid XXXX when i called they said that was just the interest i still owed XXXX which is unbelievable

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 multiple calls from a debt collector which I am unaware of the debt which I also explained to the representatives of the company.But they insisted that I make a payment which I was very uncomfortable with there approach. I would like for the collection to be removed/deleted from my credit report. 

XXXX XXXX XXXX XXXX XXXX XX/XX/2023

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 2022-04-20
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2019 my wife XXXX XXXX was advised that XXXX XXXX was selling her loan to Specialized Loan Servicing LLC. Our first payment to them was made at the end of XX/XX/2019 for XX/XX/2019 payment. ( We are 1 month ahead in payments ). Federal Rules state they were to apply funds to my account upon receipt, but this company did not, instead they took XXXX XXXX monthly mortgage payment and put it in a " Unapplied Funds Undefined '' account and when XX/XX/2019 arrived they finally posted the mortgage payment to the account. 
THE PROBLEM WITH NOT APPLYING THE PAYMENT UPON RECEIPT MEANS THEY MADE MORE MONEY IN INTEREST THAN THEY SHOULD HAVE HAD THEY APPLIED THE MORTGAGE PAYMENT AT THE TIME OF RECEIPT. 

THE FOLLOWING IS MERELY AN EXAMPLE : Loan Bal : XXXX Principal Payment : XXXX Interest Varies-goes down each month- {$230.00} So I make a monthly Mortgage payment on the XXXX Bal on XXXX, XXXX, XXXX  of {$250.00} and that drops the principal down to XXXX and interest is accrued until the next mortgage payment ... XXXXBUT WAIT, I HAVE ALREADY PAID XX/XX/2019 MORTGAGE PAYMENT, The company just has not applied the payment as they should have. So instead of earning interest on the XXXX they should be earning interest on {$69000.00} and when they get the next check in XXXX for XX/XX/2019, if the company applied the payment to my account they would be earning interest on {$69000.00} for the month of XX/XX/2019 and not {$69000.00}. 

By NOT APPLYING my MORTGAGE PAYMENT when received this company has EARNED INTEREST IT IS NOT ENTITLED TOO. 

I have calculated an ESTIMATED {$21.00} in excess interest, it could be more, earned by this company because they did not apply my mortgage payment to my loan when received.

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 2023-05-10
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Kohls changed my store card into a " Capital One Visa '' without allowing me to opt in. I did not give my permission to open said Capital One Account and when I contacted Capital One to close the account and move the balance to an existing Capital One Account they refused to allow me to do it even though there was plenty of credit available on my account. 

I contacted Kohl 's customer service and asked them to revert my account back to a store account and the staff brushed me off and gave excuses that they " don't have any of my information anymore '' yet refused to help me beyond this excuse to resolve the situation. They informed me that I needed to return to a kohls store and " open a new account ''. Also, I was informed that I was " chosen '' for this " wonderful offer '' and they refused to understand that this is a different type of credit and that I DID NOT OPT IN OR AGREE to this account change. 

I contacted Capital One and canceled the new card and had to transfer my balance onto another credit card and now I have a negative item on my credit report for the closed Capital One account.

I believe that this is a violation of the Fair Credit Reporting Act!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have an ongoing issue with XXXX. I have a case open. Now they sent me a letter saying I am delinquent but the account page says no payment is due. The letter was generated 3 days after my last payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Alorica Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I asked XXXXAlorica Inc not to contact me or my wife ( co-signor ) by phone. They received mail from me disputing the alleged debt and failed to validate according to 15 USC 1692g. They called my phone and I missed the call, as I was working. They called my wife and stated I told them not to call me but left out I said do not contact us by phone. She then told them to only speak to me regarding the account. The responded to my initial dispute and then failed to respond to my rebuttal. They then spoke to a 3rd party I gave no consent to have my information and told them to call me. The agent spoke about the company moving into repossession stages and further discussed me paying XXXXAlorica Inc XXXX I informed her of XXXXAlorica Inc failing to respond to the rebuttal and that they were in default. I then stated that her calling still counts as a violation and also identity theft as I did not give permission for her company to have my information. On XXXX XX/XX/2022, an agent XXXX XXXX contacted me by phone to discuss the account. It was an inconvenient time as I was filing a document in court. I asked his permission to call him back. XXXX XX/XX/2022 I spoke to XXXX. I brought him up to speed on the account and he asked for copies of the affidavits furnished to XXXXAlorica Inc . I have proof of XXXX XXXX cyberstalking one of my social media accounts. XXXX XX/XX/2022 I sent the copies to XXXX and informed him if any further injury was caused to me or my wifes consumer reports, that communication would serve as a notice of intent. I can forward whomever gets this complaint copies of everything as well as provide certified mail tracking numbers. Thank you for your diligence. The account is for a XXXX home my family currently domiciles in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-11
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:
I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them 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 non-monetary relief
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: AZ
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:
I had a closed account for internet with XXXX. 
I was on a payment plan. 
Due to family illness I missed a payment. 
Without notice they flagged the account for collection. 
When I called I was told it was not in collections. 
I told them my credit took a hit. 
I called several times until I got ahold of someone who agreed to delete it for payment. 
After they took payment they stopped taking my calls. Threatened me. 
discriminated against me on the phone telling me they would never help me and I was a loser who should have paid it. 

They were sued earlier this year for FRCA violations and negligence in XXXX XXXX XXXX for exactly the same behavior. 

I need the account removed from my credit because in a recorded phone call they promised to delete in exchange for payment. This is a verbal contract and is in fact enforceable by law. They way in which XXXX bullies people and collects debt is criminal and they need to be punished. 


My complaint is against XXXX. Transition, XXXX and Experian. All of whom have a judiciary duty to protect the rights of consumers under the FCRA and all of whom have failed to do so for me and many others.

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