BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-03
Company: Experian Information Solutions Inc.
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
I have a charge on my credit card from Experian EXP Pay CC {$110.00} XXXX XXXX, 2020. This is not an authorized charge. It has no phone number on the charge and I do not have a statement to help contact the company. When I attempted to call a number i found from researching Experian numbers to dispute this charge, the answering service is all automated and you go around in circles starting with you must enter your 9 digit Social Security #. I called before XXXX XXXX and I refused to type my SS # so I called back at lunch with the same process. Trying to get an answer then at XXXX I finally gave in and typed my SS # then they requested my date of birth, your numbers on your street address and your zip code then it replied that wasn't enough and I had 2 choice of which neither were what I needed. XXXX and XXXX. I just need HELP contacting this company and they need to not be asking for all this personal information. I do not mind writing, emailing or calling but this company gives you the run around and does not have an easy solution to get your money back for a charge.

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 2020-04-17
Company: ERC
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: Old information reappears or never goes away

Complaint:
I checked my credit to see a collection account from Enhanced Recovery for XXXX XXXX. This is incorrect reporting and I want to take action. I paid my final bill with XXXX and returned the equipment as requested. I did not leave a balance behind with this company. This has tarnished my credit, and the collection company never contacted me to verify or validate the debt. I filed both FTC and FCC complaints as well. Im also filing an attorney general complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: PLANET HOME LENDING, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX sold my loan to Planet Home Loan. I set everything up online to pay by XX/XX/2021 for my payment date. The withdrawal was supposed to take place XXXX. It has not initiated from my account and it's now the afternoon of the XXXX. I have called at least 5 times to Planet Home Loans. The phone line system is TERRIBLE. I can't get through to anyone, can't get a call back, and just get hung up on after waiting on hold over 10 minutes repeatedly. I can see that my payment is 'pending ', but nothing has happened yet. I do NOT want to risk a late payment, but I can't reach anyone. This is terrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX XXXX ( ORIG CREDITOR : 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 2021-01-22
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I checked my credit and noticed that I had a collection mark on my credit from Focus Receivables Management on behalf of XXXX  XXXX  for the amount of {$38.00}. I was unaware of this debt since when I closed my account with XXXX  XXXX  I returned all the equipment and paid off the account in full. I called about the debt since I should have not owed anything and in addition, I never received notification of any type of remaining debt from XXXX  XXXX  or Focus Management prior to maliciously applying it to my credit. When I talked to the representative from Focus Receivables Management she said I could pay the amount and dispute the balance. This is a false statement as it will still leave a negative mark on my credit. My credit is very valuable and should not be used as a collection tactic to an amount that I am unaware of and also the original creditor made no attempt to contact me. How can I owe a debt if everything was paid and returned? How can some destroy my credit which hurts me personally and professionally with no contact, no prior communication, or anything?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
When it comes to the following Credit Bureaus [ XXXX, XXXX, Transunion, XXXX and XXXX XXXX but not limited to them only ; I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens [ 281 SW 715, 719 ] there is no proof of the alleged debt, nor therefore any such debt [ s ] in fact that exist.

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 2022-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
CAPITAL ONE BANK USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is inquiry took place on XX/XX/2021. I have no knowledge of this transaction taking place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
On XXXX I received a noticed from XXXX XXXX that XXXX reported a Hard inquiry into my credit. This inquiry lowered my credit score approximately five point for up to two years. I called and spoke to XXXX they told me contact Capital One Bank. I contacted them and explained to them and told me that they were the one 's that did the hard inquiry. I asked them why they did the hard inquiry and the told me from time to time they will do hard inquiry 's to see if they could offer a unsolicited loan and or a credit card. This is not right, I don't have a open account with them and I didn't ask request one. Please help. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a CHASE auto loan for my XXXX XXXX XXXX. I purchased my car in XX/XX/XXXX. In XX/XX/XXXX, I requested CHASE put ONE payment on the back of my loan, as I had fallen behind due to illness. Fast forward several years later ... in XX/XX/XXXX I found out for every month I hadn't paid " a fee '' for CHASE extending my one pymt.to the end of the loan, I was being charged a " Late Fee. Now this had accumulated over the years to the point where they now claim I'm " BEHIND '' on my regular monthly payments however, I've NEVER again been LATE!!! The late fees total over {$800.00}!!!! I have no issue with pay one the ONE TIME FEE for extending my loan, but this has become ridiculous and EXCESSIVE!! 
I called CHASE auto finance and got no where. I also went into my local CHASE branch, as I also bank with CHASE. A Customer Care Rep. Called CHASE auto finance on my behalf. They did nothing, and never called me back after researching the problem as they had promised. I am almost done paying off my car but these fees need to be reversed NOW! Thank you for your attention in this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-08
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
on XX/XX/2021 I discovered inaccuracies on my report and decided to send a dispute letter to address the issues. There is different open dates reported and multiple other inaccuracies. upon further research well Fargo has numerous complaints for inaccurate credit reporting on XXXX  and over XXXX credit reported related complaints on CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15
Company: Experian Information Solutions Inc.
State: LA
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 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 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 2017-09-14
Company: EQUIFAX, INC.
State: UT
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:
Like 143 million other Americans, my credit report information was hacked on Equifax in XXXX 2017, and  the public was not made aware of the issue until XX/XX/XXXX. This hack displayed gross negligence on the part of Equifax, opening myself and millions of other people open to risk of identity theft due to the leak of social security numbers and personally identifiable information that could be used to open up fraudulent credit accounts. I do not believe that Equifax has responded appropriately to this leak, considering they failed to disclose that they were hacked for six weeks before offering a solution of free credit monitoring for one year. Credit monitoring will not prevent someone from opening my account, and even if it did, my social security number and other data will not change after one year. After the " Free '' year of credit monitoring expires, I would still be open to the same level of risk as I am today solely  because my personal information was not sufficiently protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX I financed a XXXX XXXX XXXXXXXX from through XXXX XXXX XXXX and Lobel Financial. Lobel Financial is in violation of 15 USC 1692e false or misleading representations of the Federal Truth in Lending Act disclosure retail installment loan being PAID IN FULL by my credit transaction finance charge pursuant to 15 USC 1605. The use of my social security number ( credit card 15 USC 1642 & 15 USC 1602l, m, n, o, p ) at XXXX XXXX XXXX and the loan sold to Lobel Financial on XXXX. Furthermore, I paid a {$4500.00} down payment and for full coverage insurance at {$280.00} per month plus a car note of $ XXXX {$340.00} per month. Placed Lobel Financial as lein holder of the car in violation of 15 USC 1605 having been given no full disclosure to my right to rescission 15 USC 1635. No correction of billing errors pursuant to 15 USC 1666 on billing statements or letterhead violating 15 USC 1611 & 15 USC 1640 & 15 USC 15. Lobel Financial have liability for breach of fiduciary duty 29 USC 1109 failing to do whats in the best interest for my benefit by LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/2020 {$3800.00} XXXX was transferred from XXXX XXXX XXXX checking ) to TD bank ( checking ). A review of my account on Monday XX/XX/2020 and observed the {$3800.00} in my checking account. On Tuesday XX/XX/2020 the {$3800.00} was removed from my account. Subsequent telephone calls with TD bank representatives indicated no transfer or a deposit of {$3800.00} was debited to my TD bank account. XXXX XXXX  provided a transaction number and verified the TD bank account number. I have spent several days inquiring about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 request 3 times on this account to verify the information. I asked that information be sent to me and i have not received a response from this creditor. I sent the first request in XX/XX/XXXX, then again in XX/XX/XXXX and the most recent request was XX/XX/XXXX. I dont receive any response but it keeps updating to my credit on TransUnion XXXX XXXX and XXXX, as a charged off account. Since the account is charged off, by law, the lender must file Form 1099-C and send me a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1 ( IRS 2021 publication ). The following creditors are showing as charged off and I have not received any responses and the charged off balances are more than {$600.00}. I am requesting to have this removed from all credit reporting agencies immediately. 

XXXX XXXX XXXX Charged OFF Date XX/XX/XXXX Balance {$2000.00} XXXX Charged OFF Date XX/XX/XXXX Balance {$610.00}

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 non-monetary relief
Consumer complaint received 2021-09-22
Company: CL Holdings LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Jefferson Capital Systems has bought a debt, that is not only over 7 years old. But I am a XXXX wireless customer NOW! And that debt has been taken care of. I keep telling them to remove themselves from my credit report and the credit agencies but they wont remove the debt. The account opening date that they bought the debt is correct but the day the account was opened is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Colony Brands, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This account was opened due to fraud and I have no knowledge of it. I submittied a complaint and was only given dates of when this account was opened, charged off, and paid off and the thing is that I never ordered any items from them and never made a payment to these people. Giving me these dates wont resolve my problem and the fact that I never opened this account to begin with. There are numerous people having this same issue with this company and it is clear that they are not doing anything about it. I will get all my bank statements from the date that you guys claimed that I supposedly made a payment and maybe you will finally seee that I never made this payment you are referring to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: EQUIFAX, 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:
I am so disappointed how Equifax and XXXX did their investigation. They keep on reporting the account as a repossession but they wont give me an explanation as to why they wont fix it.. This error has affected my credit score. CFPB please step up and fix the account asap XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 the second time my identity has been compromised. I dont understand why this continues to happen to me. Please remove these fraudulent accounts from my report as soon as possible.XXXX  XXXX XXXX {$1000.00}

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 2017-09-14
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Our US Bank Line of Credit is showing up on our report as if we pay it late. When in fact we have NOT used that account in several years. What happened is in late XXXX US Bank had a security breach where someone got into our US Bank checking/savings account and performed fraudulent transactions. Since the bank did not catch it ... they took it upon themselves to use the line of credit to cover the money/purchases that was being stolen. We called them multiple times when we noticed the money coming out of our checking/savings account and also let them know they should not be using the " inactive '' line of credit to cover these unauthorized charges that were a breach of their system. Once they took it upon themselves to use the line of credit to cover unauthorized transactions, they would then charge us interest on that line. It took weeks for them to reconcile the unauthorized charges and correct their inappropriate use of our line of credit to cover those transactions. It was known that we would not make payments to that line of credit because WE did not utilize the line of credit and wanted to make sure they corrected every transaction and were not attempting to charge us interest on the line of credit to cover the fraudulent checking/savings account transactions. It appears the bank did not record these weeks of conversations in their system because they are showing up on our credit report as if we made late payments to our line of credit. When in fact it was their delay in researching the fraud and correcting the balance amounts across the checking/savings account and the line of credit. 

This US Bank Line of Credit mark on our credit needs to be corrected. If you research the transaction history you can see we had not used that line of credit for years and their should be a record of the fraudulent activity on our checking/savings account that show that US Bank ( not us ) accessed the line of credit so any late " payment '' to that account was their late payment ... no ours because we did not use the line of credit and did not do the transactions that bank tried to cover with our line.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Since XX/XX/22 to the present date, I have been trying to get transunion to stop reporting inaccurate information which has been harming my credit score and seriously impacting my finances. I have never given permission for any company to inquire about my credit status. the inquires that transunion is reporting are unauthorized and needs to be deleted. Two out of three reporting companies are reporting accurate information transunion is the only company that is reporting inaccurate information and it needs to stop. Upon countless requests for them to stop reporting inaccurate inquires I have be told from managers that represents their company that they will not help 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 2022-09-11
Company: Westlake Services, LLC
State: OR
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For the week ending XX/XX/22 I received over 20 calls from this company and thats just last week. Some days I get 7 or more calls in one day and sometimes before XXXX my time.

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