BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-28
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
An out of state credit union has withdrawn {$8000.00} from our business savings account and Wells Fargo XXXX Colorado on XXXX XXXX refuses to do the 10 day investigation as to why an unauthorized amount to be deducted from our 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 explanation
Consumer complaint received 2021-01-27
Company: EQUIFAX, 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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sent a dispute letter on XX/XX/XXXX through Certified Mail to Experian requesting a reinvestigation and the Method of Verification for a bankruptcy reporting against me on my credit profile through Experian. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Experian has been non-compliant and didnt complete the dispute in 30 days. I further remind Experian, as in Wenger v. TransUnion Corp., No. 95-6445 ( C.D. Cal. Nov.14, 1995 ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. I did not authorize a third party provider called XXXX to report this data against me on Experian. The public record is non compliant, inaccurate, and unverifiable.

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 2023-01-18
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX reported to the credit bureau that I was late paying my loan after theyve had taken money out my account which causes my credit score to drop XXXX points. When it was time to file an complaint i was advised to contact cfpb for credit inquiries

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 2020-05-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account was paid off in XX/XX/2020 ... They not only showed this account as still open on my credit report in XXXX, they reported this account that was PAID OFF AS late for XXXX!! ... .. This account not only showed as PAID OFF IN XXXX ... but they submitted LATE payment in XXXX and XXXX! I have sent out emails to this company on XX/XX/2020 and XXXX about the late payment and requested that they both be removed off my credit report, and send me a pay off letter and it was also showing PAID OFF in their system in XXXX According to the system they allow you to push payments outs from the due date. That was not the first time I had a loan from this company and each time I would push the payment date to the XXXX of each month and NEVER had a late fee. When the system notified that I could get a late fee for pushing out the date I made the payment on this last loan immediately. TO AVOID A LATE FEE ... SO NOT ONLY WAS THERE 1 LATE REPORTING, THERE IS NOW 2 .... I am asking that the correct this issues ASAP!

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 2020-07-06
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX came to my door and asked for my SS # to pull my credit in 2019. I refused. I found out later, via an alert on my Experian credit report, that they had somehow still pulled it without my permission and without me providing my SS #. 

Experian refuses to remove the hard credit inquiry, which hurts credit scores, from my credit report. Experian is violating federal law. 

Hard inquiries, whether they're requested by a lender or landlord, can only be pulled with your permission. 

XXXX  credit inquiry was a hard inquiry. I did not give them permission. I never even initiated any type of contact with XXXX. Experian needs to remove the credit inquiry from my 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 2019-05-31
Company: BARCLAYS BANK DELAWARE
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The company refuses to proceed with grant of liability protection services as given by Master Card XXXX XXXX for two unrecognized charges under the grounds that both transactions were made with the card ( as claimed and submitted from our end to Barclay 's ).

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 2020-05-21
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
On XX/XX/2020 around XXXX  I called Equifax twice to stop receiving unwanted promotional emails, which I started receiving after I had to unfreeze my account to get approval for a car loan. There was no unsubscribe link. I emailed customer care at bottom of email and received a generic response. The 1st call gave me a recording that wanted me to enter my entire SSN! I hung up. I am suing them from the data breach and did not want to give this info due to security. I called to get an actual person and spoke to a woman who wanted me to give my Name, Address, DOB, SSN just to access my credit file supposedly to see which emails I was receiving. I said no. Asked for manager. Manager XXXX then proceeded to tell me he needed the information as well in order to stop the emails. I said I was willing to email him from the email address to confirm I was the owner of the email address to be told that is not how they do things. I was given no resolution and only when asked did I receive a physical address for XXXX, GA XXXX XXXX XXXX XXXX zip XXXX is to send a complaint. I have not tried this. I also do not trust the company after the phone call and data breach to do anything about it. I also question whether this company has learned anything after the data breach as it appears not. It shouldnt require all that info just to stop unwanted emails. 
Sincerely, XXXX XXXX, XXXX, XXXX XXXX supervisor XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: AMERICAN HONDA FINANCE CORP
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
Due to COVID and a lack of need for a second car, I decided to turn my XXXX  XXXX back in to the dealer. I was assured no termination fee would be assessed. At the dealership, I asked once again before handing in my keys, what do I owe? The dealer said, " Nothing. Good to go. '' We signed releases and left. 

I received a notice from XXXX the next day that not only did I owe payments for the car I just turned in for the next 3 months, I was assessed a XXXX dollar termination fee. I reached out to the dealer 's manager, and have heard nothing back. I reached out to XXXX XXXXXXXX XXXX and they said if I purchased a XXXX they would waive the fees. They said if I had any issues to talk to the dealer who " made a deal with me '' to see if they can waive the costs. 

To avoid the hit on my credit, I am paying the fee on the due date. But I believe this to be an unfair treatment of a customer who has been a loyal XXXX customer for 10 years. The vehicle at least maturity was supposed to have XXXX miles on it. I turned it in with less than XXXX. How is this fair? They've likely sold it already and made a profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Experian Information Solutions Inc.
State: FL
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 have continuously written Experian regarding inaccurate information they are reporting in my credit file. I've sent numerous letters regarding the accounts that does not belong in my file. Experian 's response is the accounts are verified however, I am very puzzled on how they were able to verify this information since I've contacted the collection agencies myself and they weren't able to provide proper verifiable documentation. My most recent letter from Experian stated they were no longer going to investigate one of the accounts I've been inquiring about for months. I've asked many times for them to send me documents for such accounts and they've failed to do so however, they will send a report stating the account was " verified ''. With all the identity thefts and frauds happening, I am concerned this may be the situation with my credit file. My requests has always been for Experian to provide verification that I owe these collection agencies or simply remove the inaccurate information from my credit file.

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 2020-07-06
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Ally Financial XXXX XXXX XXXX I have previously complained about Ally Financial in regards to this Vehicle. 
1 vehicle was in XXXX, Paid in XX/XX/XXXX by insurance company had a balance of {$440.00}. paid this XX/XX/XXXX they now say on my credit report that I was late in XXXX of XXXX and XXXX of XXXX and that car was paid in XXXX XXXX but Ally has it as a closed account and not as paid as agreed or paid in full. since they closed my account my credit score dropped 26 points. I believe that if the show on time payment for XXXX and XXXX and show that car was paid in full my credit score would be better to get a lower interest rate on another vehicle. this does not reflect only my self but I was to be the cosigner and not the account holder as I was helping my son to improve his credit.. previous complaint number 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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-01-11
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:
There is fraudulent information on my credit report that I have been disputing for some time now with each credit bureau and have gotten nowhere. I have sent them each a copy of my FTC report detailing the fraud and they are refusing to remove the inaccurate information from my credit report. It is illegal for a consumer reporting agency to report inaccurate information on a credit report and I am demanding that they remove this fraudulent information. I have attached my FTC report below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have XXXX  XXXX credit card. At the beginning of the pandemic I was laid off from my job and became homeless and lost my phone. During this time I fell behind on my credit card payments. I eventually regained my phone and a place to live. I spoke with XXXX  XXXX over the phone and explained my situation and what happened due to the pandemic. They explained what they could do with extending payments and forbearance and so forth. The agent advised me that if I could come up with a minimum payment of {$25.00} that XXXX XXXX would remove the late payments from my credit report. I paid the money, however they have reneged on the agreement. I spoke with an agent yesterday and he expressed concern but said he couldn't do anything. He suggested I contact you guys. 

I wa a victim of circumstance during pandemic, I caught up the payments and haven't fell behind since. This isn't right, they lied to me and are impacting my credit score greatly. I am unable to buy home due to this. Please make them make it right. Please.

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 2020-05-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Chexsystem XXXX Call Chexsystem to ask about someone try to unfreeze the Chexsystem Report and try to request the new PIN for security freeze service because I received the letter regarding security alert date XX/XX/2020 and XX/XX/2020 Representative explain that they received the request for the new PIN but the request did not process because the address was difference. 

After that I request them to update the correct address, Email and telephone number on the report. And they will summit the claim that I didnt request for the new PIN as well. 
They said they will send the letter confirm about the action. 

XXXX Call Chexsystem to follow up the action. But the representative said my request to update the correct address, Email and telephone number. It can not process because I have Security Alert on my report. And the current address that they have on file is not the same that I provided. 

I immediately explain to them that I NEVER put the Security Alert on the report. 

They request me to fax ( XXXX ) the letter explain that I never request for the Security Alert to be able to update the correct address, Email and telephone 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 2020-05-21
Company: Home Point Financial Corporation
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a veteran of the United States XXXX and have a mortgage with Home Point financial that is backed by the VA. I now work in the XXXX industry in Florida as a XXXX. When the shut down happened my industry and my job were furloughed. As a result I had no income for 2 months and am just now getting back to work at limited capacity which has negatively affected my income. I heard about the forbearance under the CARES act and contacted my lender on XX/XX/2020 to ask for the assistance. I spoke to XXXX XXXX and was advised that I did not qualify because I was already in foreclosure due to my divorce. I was told I would have to submit a loan modification package for review. I explained I have no income and do not know when it will return. I was told to send the package. On XX/XX/2020 I read this clause in the CARES act : The CARES Act directs that servicers of Federally backed mortgage loans grant the forbearance upon a borrowers affirmation of hardship caused by COVID-19 without additional documentation, fees, penalties or interest for up to 180 days. This initial period may be extended for another 180 days upon the borrowers request. The grant of forbearance is not discretionary. 
I then explained that I did not have to submit additional documentation and they did not have discretion to reject me. XXXX ID XXXX refused and said I would have to apply for a modification. I then came here for help as I feel my lender is not being fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Ridge & Valley Realty, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have filed twice with XXXX  that a debt for {$39.00} trying to be collected by credit systems inc of Colorado was already paid. Its a copay on a XXXX  visit. They told me I had nothing to pay then months later I was told I did so I paid it in full to my XXXX. The charge was {$35.00} and its been settled. The XXXX  is telling me they didnt send this to collections but credit systems are harassing me for payment. They have twice responded to XXXX  that they habe verified this debt. They have not. They are not verifying debts to be valid they are going off the initial information they received that is wrong. I know this because I called the XXXX  and they said its not in collections. They are illegally going after people to get invalid debts paid. I will be filing for legal recourse. Reporting them like this is step one. 

They need to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account was originally being reported as being added to chapter XXXX bankruptcy ... Account is now being reported as charged off with several inaccurate late payments ... .would like account to be removed from credit file or report as it was once before included in chapter XXXX bankruptcy ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received an alert through my credit monitoring agency stating that Receivables Performance Management placed a debt from XXXX on my credit report. I contacted the agency to gather more information. I asked company 2 weeks ago to provide me with debt validation and copy of signed contract. I have not received it. The debt was owened by amsher compassionate collections previously. The debt was deleted by amsher due to them not being able to verify the debt. The original debt was from 2016 but it was listed as a new debt on my credit report by receivables performance management

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation