BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-09
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I went to try to get a car and they said my credit wasn't strong enough which is strange because I haven't used my credit in over 10 years. After taking a look at my credit report and noticing many collection accounts which were never incurred by me nor have I ever done business with these companies by the names of XXXX XXXX, XXXX XXXX XXXX   and XXXX XXXX XXXX. They seem to be medical bills and XXXX XXXX  neither which I have had any dealings with. I believe someone has been using my information to obtain credit or medical care without my consent. Please assist me in this matter in getting these items off of my credit. Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: Harpeth Financial Services, LLC
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
XX/XX/XXXX I am currently on Leave of Absence from my job and have scheduled XXXX on XX/XX/XXXX for a XXXX XXXX XXXX XXXX XXXX. I am struggling right now. I made a partial payment on my account on XX/XX/XXXXand set up a partial payment for the XX/XX/XXXX, and was unable to pay due to going on emergency LOA on XX/XX/XXXX that was unexpected due to complications related to my XXXX. I have been with XXXX XXXX, XXXX Tennessee since XX/XX/XXXX and have always made my payments in a timely manner and always contacted them if I would even be a few hours late paying. I called as soon as I new it would be a problem to make that payment They informed me they do not have a Hardship Program for my situation even though they have made over {$2000.00} in interest payments from me over this period of time. It was a situation where I needed to get away from a XXXX XXXX situation in XXXX, Tennessee and needed to open that again as important for me to move to XXXX, KY. So since they do not have a hardship program for me, they specifically threatened me with collection process that would even send me to their ATTORNEYS for immediate action and that I would no longer be able to talk with them. I feel this is very unfair practices since I have been so loyal to pay them when due. Please advise if I have any rights to this. I had a bankruptcy inXX/XX/XXXX Chapter XXXX and that affected my ability to get any type of traditional loan. My identity has been stolen twice in the last 5 years due to my health care provider being Cyberattacked. I am dealing with a lot here. Anything you to do would be truly appreciated. 
Sincerely, XXXX XXXX XXXX e mail XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, KY XXXX XXXX XXXX  24/7 XXXX XXXX XXXX XXXX, TN XXXX My account # XXXX my phone # is XXXX cell landline XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: Bridgecrest Acceptance Corporation
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 never had a car loan, I was in XXXX during the time of this loan and I was the vicitm of idenity thedt and I have filied with the ftc.

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 2023-03-11
Company: Experian Information Solutions 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:
XXXX Account XXXX The account was closed in XX/XX/2022 It is still showing open with missed payments. 

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681.

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 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 2021-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
Company is reporting a collection account from 2006 - this account should not be reflecting on my credit report since it has been well over the amount of time allowed to be on my report. I sent a letter to the creditor requesting information and to the bureaus and have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: Messerli & Kramer P.A.
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: Account status incorrect

Complaint:
Messerli & Kramer received a judgement against me for a XXXX credit card in the amount of {$740.00}, they started garnishing me XX/XX/2018 and had a stop date of XX/XX/2018 and received the garnishment XX/XX/2018. Messerli & Kramer has failed to update my credit report & took over one year to close my judgement, with me even filing with the courts against them and complaining to my local attorney generals office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
- Fraudulent XXXX transactions were sent to someone to a XXXX account with the name XXXX XXXX and email address XXXX - Chase personal and business account ( online accounts not linked ) - 6 charges from personal chase account - XX/XX/2018 {$280.00} - XX/XX/2018 {$350.00} - XX/XX/2018 {$430.00} - XX/XX/2018 {$440.00} - XX/XX/2018 {$480.00} - XX/XX/2018 {$490.00} - 1 charge from business account - XX/XX/2018 {$290.00} - I don't know this person and no one has access to my online accounts.

- After Chase completed its investigation on the personal account it responded with the following We have completed our research for the transaction ( s ) you reported on XX/XX/2018, and this claim is now closed.

Here 's what you should know - We found that the transactions was processed correctly or was authorized - As a result, we are removing {$2400.00} from your account on or after XX/XX/2018 - When I called them they told me - That some of the transactions where made on same IP addresses as authorized transactions - They also said that at least one of the times that one of these transactions where made they accessed my account through a finger print - Chase then removed the initial credit of {$2400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
RE : Experian Freeze/Thaw is supposed to be simple and secure. Experian 's online system forced me to snail mail to request to thaw. That does me NO good, as I need the temporary thaw tomorrow, XXXX. So, my Experian account will remain frozen in perpetuity, whether you or they fix the problem or not.

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 2019-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX XXXX is reporting a incorrect balance on my credit report of XXXX from XXXX XXXX XXXX. In XX/XX/XXXX I got custody of my XXXX grandsons who lived in Alabama because their mother was in XXXX XXXX XXXX fighting for her life. I had to fly to XXXX and get my grandsons and bring them back to XXXX XXXX with me. Within 3 weeks my grandsons mother passed away. I had to fly back to XXXX and take them to her funeral services. I advised XXXX the property manager of what was going on. I told her I would be late with my rent and will she work with me on my rent she said yes. I got a eviction notice on XX/XX/XXXX. I didn't have the money for my rent and I told her I wouldn't have it until the XXXX. because of what was going on with my grandkids put me in a financial hardship. I agree I do owe XXXX XXXX XXXX 1 month rent and for carpet cleaning, and for two small drills in the wall where I hung my tv. I do not owe them XXXX I am disputing that amount for the following reasons. 
1. I asked the resident manager XXXX due to the untimely passing of my grandkids mother if I had to break my lease will they not hold me responsible for the remainng months on my lease and she said no. 
2. when I moved into the unit the carpet was worn but clean, this was not new carpet.

3.i paid a XXXX in administrative fees and depoisits to move in if not XXXX it was close to it or more I need to find my lease. 

4. I am disputing the validity of this debt totally incorrect on the numbers with my depoisit I calculate around XXXX is what I owe I was not evicted I move to a shelter with my grandkids. this amount is inaccurate. please remove or either accept the XXXX I am willing to pay in 3 installments.

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 2019-09-10
Company: EQUIFAX, INC.
State: KY
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 asked for the method of verification used, as there is an item being grossly mis-reported on my credit report. I did not purchase a vehicle using a leasing company, and have proof of direct purchase from the dealership, directly. I have provided this proof, only to be told that the investigation has been deemed verified by the " debtor '', whom I have no dealings nor contract with. 

How can it be verified then? 


Someone is in violation of FCRA laws, and if this is not corrected, I will be forced to seek litigation. 

Please be advised that I am once again exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 
In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or XXXX   verification is unacceptable. I am requesting a re- investigation along with your method of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: Experian Information Solutions Inc.
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:
XXXX XXXX XXXX is reporting a incorrect balance on my credit report of XXXX from XXXX XXXX XXXX. In XX/XX/XXXX I got custody of my 2 grandsons who lived in Alabama because their mother was in stage XXXX XXXX fighting for her life. I had to fly to Alabama and get my grandsons and bring them back to XXXX XXXX with me. Within 3 weeks my grandsons mother passed away. I had to fly back to alabama and take them to her funeral services. I advised XXXX the property manager of what was going on. I told her I would be late with my rent and will she work with me on my rent she said yes. I got a eviction notice on XX/XX/XXXX. I didn't have the money for my rent and I told her I wouldn't have it until the XXXX. because of what was going on with my grandkids put me in a financial hardship. I agree I do owe XXXX XXXX XXXX  1 month rent and for carpet cleaning, and for two small drills in the wall where I hung my tv. I do not owe them XXXX I am disputing that amount for the following reasons. 
1. I asked the resident manager XXXX due to the untimely passing of my grandkids mother if I had to break my lease will they not hold me responsible for the remainng months on my lease and she said no. 
2. when I moved into the unit the carpet was worn but clean, this was not new carpet. 
3.i paid a XXXX in administrative fees and depoisits to move in if not XXXX it was close to it or more I need to find my lease. 

4. I am disputing the validity of this debt totally incorrect on the numbers with my depoisit I calculate around XXXX is what I owe I was not evicted I move to a shelter with my grandkids. this amount is inaccurate. please remove or either accept the XXXX I am willing to pay in 3 installments.

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 2021-07-15
Company: DISCOVER BANK
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:
FTC theft report was sent. Ignored. 

I requested verification that I opened the debt, through a signed document or credit card receipt. Discovers response was : " XX/XX/2019. As this application was submitted online, <b>there is no signed application to provide to you</b>. Through this application we verified your name, address, date of birth, and social security number based on your request to open the account. '' Your response states that the only proof you have is that someone used my information to open an account in my name. You also state that you do not actually have a signed application by me.

Without a signed application or credit card receipt you do not have verification that I opened the account or that I spent money on the account ... other than circumstantial evidence ... but not actual evidence. Discovers " evidence '' would not be permitted in a court of law, and should not be accepted as verification of the debt by anyone.

Despite discovers investigation findings, without the proof that I requested, you can not actually verify the debt, because you do not have proof that i opened the account.

Not only was I a victim of identity theft and fraud when the account was opened, but discover continuing to verify the debt to the credit bureaus, after receiving a ftc theft report, and after stating that they dont actually have proof that I opened the account is fraud against me and the credit bureaus.

Please cease and desist all collection attempt of this debt from me, including but not limited to credit reporting.

I have attempted to reach XXXX XXXX with discovers executive office repeatedly concerning this matter but he refuses to return my phone calls.

I live and have lived in XXXX, Tx and not the address Discover has as mine. My credit report shows XXXX area as my residence as a result of identity theft. Attached is a photo of my address from the state of texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: EQUIFAX, INC.
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:
the account was opened on XX/XX/XXXX. the acciunt was closed out XX/XX/XXXX. this account had been reported 4 seperate times on my credit report which is affecting my debt to uncome ratio. this negative information is also affecting me from obraing any new credit. the amounts are showing differently on all three reports. thr company sent me a letter showing paid. at the oint i just want the 4 inaccurate accounts removed since they are paid in full. ivr asked the company to fix this issue but they advised me to dispute with thr bureaus. please help me. i dont think that they can legally keep falsely reporting inaccurate info.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: Academy Mortgage Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called my Mortgage servicer Academy Mortgage on XX/XX/XXXX to make my monthly payment and I was told they will not accept my payment because I had been delinquent for five months. I was told I had not paid my mortgage since XX/XX/2019 because they had no record of it. I Told them I had made timely payments from XXXX till XXXX and had proof which I later faxed to them. This is XXXX and there is still no resolution. I called them today XX/XX/XXXX th to find out whether this has been resolved and I was told that I will hear from them on XX/XX/XXXX which is the day their research for my payment will end.. In the mean time they are reporting my credit negative and they refuse to take any mortgage payment from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
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:
I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. US DEPT ED XXXX {$610.00} XXXX XXXX {$15000.00} XXXX XXXX {$1700.00} XXXX XXXX {$460.00} US DEP ED XXXX {$550.00} US DEPT ED XXXX {$550.00} XXXX XXXX XXXX {$19000.00} XXXX XXXX  XXXX {$170000.00}

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 2019-01-16
Company: Experian Information Solutions Inc.
State: NY
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:
I contacted Experian regarding an account reported by them as late payment in XX/XX/XXXX for 60 days to be corrected. Experian never communicated back to me regarding the account. I contacted XXXX College been that on record per Experian, they report the late payment. XXXX  College advised that they are not responsible for reporting to the credit bureaus, all payments and reports are handle by XXXX  on behalf of all the schools. The said account is a student loan reported under my social security number reported by XXXX College according to the information on file with Experian. XXXX  College is the college I graduated from. While in college I took a federal student loan and upon graduation the loan is and has been managed by XXXX  on behalf of XXXX XXXX XXXX XXXX XXXX under account number XXXX, which is also on file with Experian and the status is current. There should not be two different reporting for one single account. The loan amount is {$3600.00} under account number XXXX, and I made a payment of {$40.00} on XX/XX/XXXX. I contacted XXXX they advised that my account is current and no negative reporting has been made. They clearly stated that XXXX college does not report or handle this account, and there should be only one single account reported to the bureaus not two different reporting and that report should come them not the college.

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 2021-11-08
Company: WELLS FARGO & COMPANY
State: PA
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:
ATM FRAUDULENT TRANSACTIONS XX/XX/21 XXXX XXXX  email notice to me from Wells Fargo reporting unusual activity on my ATM card and asking to contact them asap if charges were not legitimate. I I immediately logged into my Wells Fargo account and found, in Pending Charges, fraudulent withdrawals for {$1000.00}, {$500.00}, {$1000.00} and a fraudulent DEPOSIT of {$1000.00}. I reviewed these with XXXX during my first call to Claim Center. ( Subsequently, they have left on my account a fraudulent withdrawal of {$1000.00} and {$500.00}, as the fraudulent DEPOSIT cancelled the fraudulent withdrawal of {$1000.00}. I can no longer view the pending charges on my account as the two charges have been moved to approved. However, the final letter refers to all 4 transactions of {$2500.00} ) XX/XX/21 XXXX XXXX  email received that they had opened a claim because I had called right away to deny I made the transactions. I have spoken to 3 people at their claim center, XXXX, XXXX and XXXX. 
XX/XX/21 email received stating investigation was closed. Fraudulent charges are still included in my bank balance. 
XX/XX/21 I filed a police report DC # XXXX, with Officer XXXX of 3rd Precinct, XXXX County. I provided Officer XXXX with a list of all my ATM activity in XXXX and XXXX. There were only 2 retail, all others at Wells Fargo ATM. I also provided a photo of the location of the fraudulent withdrawal, and a photo of the ATM machine there, which is located inside the WF branch office. 
XX/XX/21 received a letter from Wells Fargo Claims Assistance saying I had made the transactions, which I did not. 
XX/XX/21 I filled a complaint with Pennsylvania Office of Attorney General. 

I have multiple accounts with Wells Fargo, all with healthy balances and there is no reason to suspect I would contest a legitimate withdrawal. In all the years of my checking account with WF ( 20-30 years during which the bank changed names multiple times ) I have never withdrawn more than {$300.00} cash. Why would they notify me of unusual transactions, then refuse to remove fraudulent charges?

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