BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-14
Company: Experian Information Solutions 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:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation

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 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a XXXX XXXX over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX ftc and XXXX  That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME 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 non-monetary relief
Consumer complaint received 2021-02-04
Company: Regional Management Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I have been struggling since covid. I no longer help family members so there is no extra change on my end. My mother was helping me as well and unfortunately bills have gotten so bad she can not help me, so naturally I have gotten behind. I have tried to pay even just a little bit online, not the full payment, just to show an honest effort. This company has called family I don't even really talk to. I have had to block Regional Finance ( off of XXXX in XXXX, TX ) because the calls are too many in number. Yes, I've had to install a blocker on my phone. When I call back to tell them when I can pay something I get yelled at and the last person even threatened me by saying " well if you can't pay the whole payment then I don't want anything from you and I'll take you to court ''. We had just a little bit less than {$200.00} left until my mom 's check came in and she told me to just pay it. These people have me in tears and I hate them to the core. We get these loans because we need the help, only for things to get worse. I can only pay a little bit now and nothing over {$100.00} and they don't give a XXXX. I hate them and I want this nightmare to end. I hope others get to see this. They won't work with me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My credit report is showing inaccurate information that is concerning me. The inaccuracies with my name and address are causing verification issues and affecting my ability to get credit. This is a violation and I demand these errors be corrected by you

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 2023-04-14
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
My recent Credit report is still showing the same Bankruptcy issue which I have already addressed to the XXXX and XXXX bureaus in my previous written complaints. The bankruptcy 's file date was incorrect and outdated. Make sure to provide proof that the filed date which you confirmed was correct. Send to my address a copy of the papers which shows that the bankruptcy was filed indicated on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My auto loan with Navy Federal Credit Union ( NFCU ) was opened on XX/XX/2018. 
Upon review of my credit report I discovered that NFCU was reporting my loan as being paid 30 days late around XXXX 2018. 
I receive SSDI and am paid direct deposit into NFCU no later than the XXXX and every month call them personally so that I can access my pending deposit into my account a day early. They require that any payments owed to them such as my monthly mortgage payment and auto loan be paid in full and made current to do so. At that time, I authorize NFCU to pay those accounts by the representative I am talking to and then I can access my account. 
Despite a lawsuit against NFCU, they continue to limit access to my account when I am overdrawn or a payment is past due. I am redirected to what they call my delinquent account page which is a white screen and limited access to view my accounts. Every single month its the same thing despite being able to look at my account to understand I am paid once a month and have always brought my accounts current. 
I contacted NFCU several times regarding this late payment and am told that I have access to the exact same information they behave and XXXX 2018 is too old to access certain details. I was request to speak with an account rep was denied on my last call. While reviewing my account information I discovered transactions that were confusing in addition to a late fee that is assessed every month and added to my auto loan balance despite that loan being paid usually within what is commonly known as a grace period although it is difficult to find such information on their website. 
At no time over the course of 1 year was I ever informed of a 30 day late payment although I did have that loan adjusted at some point to a lower interest rate and payment because of financial hardship and having excessive medical bills and issues with my spouses health. Currently my account status on my auto loan is current and I have not made a double payment to account for any payments not being made because I would know given my limited XXXX income. If there was a mistake in making the payment then the burden is with NFCU because they are the ones handling the account and the payments at the same time my pending funds are released. 
I also question my escrow account and my FHA mortgage serviced by them. My escrow account was reduced because of Homestead and my property taxes went from {$770.00} annually to {$100.00} annually yet my refund was for only {$210.00}? Taxes were escrowed when I closed in XX/XX/2018 for the {$770.00} tax bill due XX/XX/2018. It was explained that they had to escrow for the lower amount also but should they not have much more in escrow pre-paids as well? No one has answered my concerns despite inquiring twice about this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-15
Company: GLA Collection Company, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
# 1 acct # XXXX {$450.00} # 2 acct # XXXX {$740.00} # 3 acct # XXXX {$400.00} I have disputed these unknown medical collections with letters to the credit bureaus with no response except, verified. 

On XX/XX/XXXX I mailed a direct dispute letter to GLA about a new medical collection, no response? 
So on XX/XX/XXXX I mailed another direct dispute letter to GLA asking for a description of validation on these medical collections that I am entitled to by law, no response? 

Oh yes, and doing much research, the 3 GLA accounts listed above are in violation of the 2015 AG settlement. If medical collections are not updated within 6 months of the present, they are to be deleted. I have attached this also. 

And these 3 collections are past the status update laws!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
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:
Experian and XXXX refused to Verify the following accounts that don't belong on my credit report. I AM REQUESTING THEY PROVIDE ME PHYSICAL VERIFICATION PROOF UNDER THE FAIR CREDIT ACT UNDER THE LAW, BUT EXPERIAN & XXXX   REFUSED TO PROVIDE SUCH PROOF. THEY CONTINUE TO SEND ME FORM LETTERS. 

XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX/XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
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:
This complaint to Equifax result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: AES/PHEAA
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account : XXXX ( XXXX ) My name is XXXX XXXX, and I am a federally protected customer creating a complaint against American Education Services for XXXXommitting identity theft and violating many of the laws set forth in the FCRA. I have never given American Education Services my consent to use any of my identifying information to commit mail fraud by contacting me about an alleged debt that they claim that I owe. Pursuant to 15 USC 1692c ( c ) I am legally refusing to pay this erroneous debt. I am demanding a cease and desist of all illegal activity, any communications or collection activities, and any alleged debts until AES can provide me with sufficient documentary evidence that there is any legal obligation to pay them. If the required evidence can not be produced and AES chooses to continue it's collections efforts, I will file for litigation for actual damages caused and AES will be help criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud and mail fraud. Upon receipt of the documents herein and of this notice, you are notified pursuant to UCC 1-202f. Your immediate attention is both required and requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 in three different dispute letters in regards to unidentified accounts. These dispute letters were dated XX/XX/2020, XX/XX/2020, and XX/XX/2020. I have spent money printing the letters, getting them notarized and having them mailed priority. The creditors or bureau has not sent me any documentation with proof that these accounts were correct. I have spent too much time in regards to the matter.

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 2023-04-14
Company: Experian Information Solutions 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:
In 2022 i have been trying to complete a consumer transaction in purchasing a home and i noticed alot of discrepancies and inaccurate damaging information in my credit history from multiple credit reporting agencies. I have reached out to the agencies and they did not response. According to the Laws of USC 15 U.S.C 1681 these are not supposed to be on my credit account these reporting agencies have cause grave damages to my character and ultimately decrease my ability to transact consumer actions.

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 2022-06-01
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
There is inaccurate information on my report that needs to be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
There is inaccurate information on my report that needs to be removed

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 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX Balance ; {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} Chapter XXXX bankruptcy dismissed Reference number : XXXX Filed on XX/XX/XXXX Chapter XXXX bankruptcy dismissed Reference number : XXXX Filed on XX/XX/XXXX Chapter XXXX bankruptcy dismissed Reference number : XXXX Filed on XX/XX/XXXX Chapter XXXX bankruptcy discharged Reference number : XXXX Filed on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04
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 sent this complaint to the bureau onXX/XX/2021 by certified mail. They have not addressed the issues and it still remains. The items do not belong to me and i am wanting it to be removed. Here are the items : XXXX  # XXXX, XXXX XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
In XXXX I was removed as a customer from Wells Fargo and denied banking services including checking. 

I promptly closed my credit cards with Wellls Fargo at the same time after receving that news. 

Since then, I would recieve empty credit statement from Wells Fargo and I called back to let them know that Wells Fargo was continual sending me empty statements and that to please cancel my card. 

In XX/XX/XXXX Fraud department contacted me via automated text message about a fraudlent charge. The charge was declined properly. I called them within a few hours and requested again that they close my account as I have not been a Wells Fargo member for many years. 

This is unacceptable as it was about 7-8 years since I was no longer a member of Wells Fargo and not a cardholder AND that I had in the previous years, XXXX, XXXX, XXXX I called them because they did not close my account. Refusing to close a credit card is a violation of FDIC membership and a business practice that is unethical. I am reporting this because this practice is unacceptable. 

They did refer me to their Customer Advocate program and gave me case number XXXX ( Please redact ). I was assured that the card was closed and that I would be given written confirmation as well. I actually don't know if they are going to close the account and I have no faith in Well Fargo to actually do this and so I am pre-emptively writing the CFPB of this practice. I don't know why they didn't close the account for so many years but there needs to be something to protect the consumer because an open credit card without the consumer knowing it is open is a inherent financial security risk.

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 2021-02-04
Company: Worth Finance Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Covid has been really tough and I no longer have an income as well. Our house only gets two monthly checks, once a month from both SS and VA. They are not huge checks at all. My mother got the loan and cashed the check. It's basically one of those companies that send you a real check and they go from there. The company I am talking about is Worth Finance in XXXX, TX. Not only are they calling the house, which they never had the house number, but they found my mother 's cell, which is always off unless we leave the home. She was really confused and it turns out, they admitted that they did an extensive family search to find all of our numbers. I have only given them my cell because my mother doesn't understand when folks use specific wording. Therefore, I handle everything. I get upwards of almost 10 calls a day and several voice messages. It's gotten to the point to where we have no idea what to do.

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