BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-30
Company: Experian Information Solutions 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:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.

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 2020-10-13
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:
THESE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS THAT WAS OPEN WITH MY PHOTO ID AND SOCIAL SECURITY NUMBER SOMEONE USED MY INFORMATION WHICH I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : CAPITAL ONE NATIONAL Account Number : XXXX Date Opened : XX/XX/2015 Balance : XXXX Reason : Identity theft Please remove it from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: Square Inc
State: SC
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:
On XX/XX/2021 i made an online purchase totaling {$400.00} with my Cash app card. I never received the product, and I tried to dispute but the representative for the Cash app refused to file a dispute. 
The company I purchased from XXXX XXXX XXXX is refusing to refund me. So I entrusted that Cash app would have my back. I've given over 12 screenshots of documentation including everything that Cash app asked me to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: Navient Solutions, LLC.
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 status incorrect

Complaint:
Navient told me if I made a payment before XX/XX/XXXX I would not be reported as delinquent. I entered into a repayment plan suggested by XXXX on XX/XX/XXXX which called for a six month interest reduction and a reduced payment. The pay was made in XX/XX/XXXX, and Navient reported me as delinquent anyway, indicating that because I made a reduced payment and enterened into the agreement they suggested, it was not enough to prevent the delinquency from being reported. In essence I was lied to and now my credit score has taken a hit that I was told would not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: JPMORGAN CHASE & CO.
State: TX
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:
On XX/XX/2018 I received a text alert from Chase saying that someone is trying to send money through XXXX from my account. I immediatly called the fraud department at Chase and told them that i not initiate this transaction and they need to block this and any transactions. Despite this Chase let 3 transfers totaling {$5400.00} to two different people. I went to Chase bank and discussed this matter, the fraud department said they see no fraudulent transaction and that these transfers were made from one of my devices. I DID NOT make these transfers nor do i know anyone of these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
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 have sent certified letters to each bureau requesting the debt be verified and to no avail. Here are the items on my report : XXXX XXXX XXXX # XXXX, XXXX  XXXX  & XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX, XXXX, XXXX. Also 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 2018-02-22
Company: Merchants' Credit Guide Company
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I noticed a medical bill last year that showed up on all 3 of my credit bureaus in the amount of {$320.00} first opened on XX/XX/2016 by  Merchants Credit Guide. I have called several times attempting to resolve this debt because it is mine. However I was told by XXXX XXXX XXXX that the account was paid in full by my insurance XXXX XXXX. After several attempts by myself and XXXX and XXXX XXXX to resolve this issue we get No where. I have called several times myself and been on 3 way calls with the billing clerk at XXXX XXXX XXXX and Merchants to resolve the issue and Merchants Credit Guide, but they persistently say the bill was Never paid XXXX XXXX also attempted to fax them documents showing it was paid and they still refuse to remove the collection. Merchants Credit Guide customer service is very rude and demanding. I asked them to send me a form of validation and I never received it. This account is actually mine, but it's been paid by XXXX XXXX and Merchants Credit Guide still refuses to remove the collection. They have threatened to sue me in court contact the police and been harassing me with phone calls. I have prove it was paid and since they choose to not send me a form of validation I will not contact them anymore. I would really appreciate any insight or help resolving this issue. I have disputed it 3 times with No luck.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
The reason for my complaint is to bring to your attention some of the issues I am have with my commercial Mortgage company Wells Fargo Bank. The bank is circumventing regular channels in order to force me to pay fines I am not obligated to.

My LLC is the borrower of the non-recourse loan. However, Wells Fargo is suing me personally, for the repayment of a loan on my business property along with fees, interest, and penalty while refusing to allow me to go to closing on the buildings which would allow me to obtain the necessary funds to pay them. They are using threatening and bullying tactics through their legal counsel to extort money from me. Additionally, the attorney of the bank threatened me multiple times to try and force me to sign away my protective rights under my loan agreement. The attorney prevented me from communicating with the bank and refused to negotiate unless I gave up my rights.Wells Fargo is threatening to foreclose on the buildings even though we have a Buyer, the redevelopment authority of XXXX XXXX County, Maryland. Closing has been scheduled for XX/XX/XXXX by the title company, however the bank refuses to cooperate and give a payoff quote. Instead they have filed a law suit against me. 

I purchased the buildings in XX/XX/XXXX, and they were doing well financially until I was approached by the Redevelopment. In XX/XX/XXXX, I was informed that the buildings were under the development plan. In XXXX, the XXXX issued a letter of Eminent Domain. 

I would appreciate any assistance you could give and if you could look into the unfair treatment from the bank. If you can help me persuade Wells Fargo to provide a payoff quote to the Title company which would allow us to close.

Thanks.

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 2021-07-08
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX, I learned this scam company called LAW OFFICES MBA submitted to XXXX  that I owed {$950.00} although they have never indicated why and I have never done business in Texas. I disputed this via XXXX, but this false debt remains on my report. I have XXXX kids and barely getting by. Please stop this scam. My credit was good before this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am registered .with XXXX XXXX. In the last10 days, I have receive multiple noticesof new inquires on my credit report from XXXX and Equifax. 
I have not consented any financial organization or automotive group to perform a credit inquiry. 
I am concerned someone is attempting to use my SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: National Credit Systems,Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I submitted an FTC report to all 3 credit bureaus on XX/XX/XXXX. XXXX and XXXX have removed the accounts on the report XXXX have not. These accounts were obtained through identity theft. Prior to filing an FTC report I reached out to the creditors to attempt to resolve the issue with out any success. The credit bureaus had 30 days upon receipt of my FTC report to remove named accounts from my credit report. The name accounts do not belong to me I never opened named accounts and would like them removed immediately Accounts in report : National credit systems XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Experian Information Solutions Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im exercising my right as a consumer section 609 of the FCRA states that proper documentation has to be provided with a original signed contract with my signature. XXXX XXXX account is being reported on my credit report this account was deleted but yet is still being reported. Ill attach documents that this XXXX account was deleted from XXXX XXXX. So I need XXXX to remove this as well. Reach out to Web bank XXXX XXXX and ask them to provideyou with what Section 609 of the FCRA wants. Experian you never provide how you did your investigation what method you provided to get accurate results instead of number codes.

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 2021-07-08
Company: WELLS FARGO & COMPANY
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the inaccurate items on my credit report. It has been well over 30 days, and I havent received any investigation results.

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 2018-11-19
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: Problem with personal statement of dispute

Complaint:
I have two hard inquiries on my credit report that I did not apply for any type of loan this is a mixed file of some sort please remove 1. XXXX XXXX XXXX from XX/XX/2017 2. XXXX XXXX Inquiry fromXX/XX/2017

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 2018-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
TransUnion failed to give me the method of verification on accounts XXXX XXXX XXXX and 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 2021-06-09
Company: Access Receivables of NC Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've disputed this account multiple times and I have received nothing in the mail from them whatsoever! They have continued to verify the account with the credit bureaus, but they can't send me anything? That is against the FDCPA! I hope these people understand that they are ruining lives with invalidated information!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted Experian multiple times about items that I have found to be identity theft and of inaccurate. Pursuant to 15 USC 1681c-2 a consumer reporting agency has 4 business days to block information identified by the consumer as identifying theft in 4 business day. Experian has declined multiple times to remove inaccurate information from my consumer report. Experian keeps advising that they did a electronic investigation to confirm accounts was valid by only speaking to the alleged creditor. This investigation process violate my consumer right. An investigate consumer report is personal interviews with a consumer neighbors, friends, and associates and shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer ( 15 usc 1681a ( e ) ). Also I never gave Experian permission to furnish my personal information. Pursuant to 15 1681b ( 2 ) a consumer reporting agency may furnish a consumer report in accordance w written instructions of the consumer too whom it relates. They have never asked me for permission to furnish my report. Pursuant to 15 usc 1681e ( b ) when ever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about him the report relates. Experian is not assuring maximum accuracy of my report because they are violation my consumer right. After notifying Experian of multiple errors on my report they deleted some accounts per my request. Pursuant to 15 USC 1681n ( a ) ( 1 ) ( A ) I requested compensation for damages sustained due to the inaccurate information furnished on my report. Experian recieved tht information XX/XX/2021 and still have not responded.

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 2021-03-01
Company: OneMain Finance Corporation
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XXXX I went to ONE MAIN FINANCIAL office for a loan to consolidate my credit card debt. I was approved for {$8000.00} for such. 
XX/XX/XXXX I paid {$310.00} for an XXXX XXXX. 
XX/XX/XXXX I paid {$280.00} monthly amount due XX/XX/XXXX I paid {$280.00} monthly amount due I refinanced my mortgage with another lender to pay off this debt and I paid on XX/XX/XXXX, {$7700.00}. I was told I owed {$280.00} in additional interest ... I was FLOORED. 
I was told that they might be able to waive that interest charge and they would talk to their superiors about it. 

XX/XX/XXXX I called to find out about the waived interest and was told they would get back to me. 
XX/XX/XXXX I called about this again and was told they had to speak to their superiors. 
XX/XX/XXXX I was called and told I have to pay the interest fee of {$280.00} and I was floored again. I did pay it because I wanted my TITLE returned to me and I wanted to close this loan. 

XX/XX/XXXX I paid {$280.00} to close the loan. 
I had asked for a written statement of how that fee was determined because it didn't add up to me as I was current and never late on any of my payments. They would not provide a statement of how the {$280.00} was tabulated. 

I feel that interest was excessive and should be returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
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: Was not notified of investigation status or results

Complaint:
I submitted by certified mail to all three credit bureaus Affiant Affidavit in Affirmation of Facts, please see attached. 
Similarly, XXXX does not establish the ownership of this account in accordance with the attached documents and is therefore fraudulently collecting and reporting to credit reports. 
Failure to remove such information from my consumer credit report will constitute legal violations under FCRA based on negligence, and all three credit bureaus will be held liable in court. Please note that I am in the process of buying a house and that you may be liable for both punitive and statutory damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: OneMain Finance Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
OneMain Financial told me that to get a loan, I would need a lien on my car. To get a lien on my car they told me they would need me to pay off all tickets. They told me they could do this themselves. This was back in XX/XX/XXXX. I had an outstanding ticket from XXXX and XX/XX/XXXX. They asked if I wanted them to pay off the tickets, and I agreed. So they took out money from the loan they were giving me to pay off these tickets. I paid off my loan in XX/XX/XXXX, and waited over four weeks to get my new title as the lien will be taken off the car. After not receiving it, I called one main financial and they said that their application to be a lienholder on my car all the way from XXXX have never gone through because one of the tickets, the ticket from XX/XX/XXXX, had not been paid. Apparently they had only gone to pay the XX/XX/XXXX ticket. Now I am unable to renew my registration on my car due to this pending application for a lienholder from XX/XX/XXXX, I am unable to get the title back on my car due to this outstanding ticket that holds the financial company from finishing their application to be a lienholder. I was never told that their application to be a lienholder never went through and it is seven months later. I am now being charged late fees on my registration, I am unable to renew my car registration, and I still do not have the title to my car and its been over five weeks since I paid off my loan. After paying off my loan, they also never told me about this application issue that would stop me from getting my title. I have called plenty of times throughout my loan., And Ive never heard anything about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-22
Company: BARCLAYS BANK DELAWARE
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have had a credit card with XXXX XXXX XXXX for over 10 years with no late payments. I got this credit card when I was still working in Florida and in good health. 
Now I am on XXXX due to XXXX XXXX, XXXX XXXX issues and only XXXX XXXX issue. I only receive about $ 1100 monthly. XXXX XXXX XXXX was charging me 22 % interest. I talked with them twice this week about reducing my interest rate. They did reduce the interest rate ... but only to 21 %. My current balance is about {$3300.00}. 
The interest they are charging me is way too much for my current income. I do not want to file bankruptcy! I only want XXXX XXXX XXXX to reduce my interest rate much more than they have. This would help me pay the debt I owe to them. 
As it is now, I can not make ends meet. 
Please help me resolve my dilemma. 
Thank you so very much for your time and consideration ...!!!

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