BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-28
Company: Experian Information Solutions 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:
The accounts below are reporting on my personal credit file with EXPERIAN. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher are not complying with federal law in regards to identity theft. Additionally, the data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 

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 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 2018-01-22
Company: I.C. System, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IC Systems is reporting 4 collections on my credit and they will not tell me what they are for. All my collection are paid or taken care of through the hospital/insurance. I do not know what the debts they are reporting are for and when I call them they tell me to call XXXX. When I call XXXX they tell me they have no debts matching those amounts and they are unaware of them. 
I do n't think it is fair that they can report whatever they want and not prove that the debt is valid. I am contacting my attorney and I am also filing complaints against them with the attorney general.

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 2022-01-28
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The credit bureaus are reporting unvalidated fraudulent collection accounts on my report I've reached out to the companies they have failed to validate account I've disputed it with all 3 bureaus they are somehow verifying the debt as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
NMAC reported a 30-day late payment to the credit bureaus on XX/XX/ for the month of XX/XX/. I filed this complaint because the XXXX payment should Not have been reported late. 

Its been my experience in the past with Nissan and other creditors that if the past due payment is received no later than the following/next month 's due date, the payment is Not reported late. 

I have attached a copy of the transaction history for the last 5 months of XXXX 

You will notice that the XXXX payment was paid on XX/XX/XXXX, and it was not reported late, and therefore, the XXXX payment which was paid on XX/XX/XXXX should not have been reported late either. There are more days between XX/XX/XXXX and XX/XX/XXXX than there are between XX/XX/XXXX and XX/XX/XXXX. So since XXXX was not reported late, XXXX should not have been reported late either. 

I am thankful I was able to pay both XXXX payment and XXXX payment and all fees ( {$2500.00} ) on the XX/XX/XXXX due date, so XXXX should NOT have been reported late. I worked very hard to meet this deadline and accomplish this, and it should not be taken away from me. This is NOT right! I owed additional fees when I paid XXXX on XX/XX/XXXX, and it was not reported late. I was able to pay all fees and bring the account current on XX/XX/XXXX, including XXXX 's payment, so XXXX really should not have been reported late. 

As I said before, this is not just with Nissan. All my other creditors do not report the past-due payment late if it is paid by the next months due date, and no later. Nissan should be no different.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: Experian Information Solutions 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 information incorrect

Complaint:
Experian have took XXXX XXXX XXXX of my credit report and then again put back on my credit report. if something is charged off, doesn't that mean they no longer have the " Apparent Verified '' contract and have written off the debt? Therefore, should be delete. provide me with copies of all documentation associated with these items that have been placed in my credit report, bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, any items negatively reporting, needs to be immediately deleted from the credit file you maintain under my name and social security number .I dispute XXXX XXXX Bank : incorrect balance, payment history, last payment made, last activity, date account was opened, high balance, amount pass due, account number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was pre-approved for a loan on XX/XX/XXXX. This has been a most frustrating experience as it is now XX/XX/XXXX and we still are not closed. So far 5 months in and i have spent {$2300.00} out of pocket for nothing. I feel that I was mislead from the beginning and through the entire process. Now I've spent alot of money with the promise of a lower interest rate and payment. In the end I have endured more debt through the process, and my credit score has been adversely affected. This has been extremely emotionally overwhelming especially during the pandemic! 

See attached emails for details. 

XX/XX/XXXX ~ Pre-approved for a refinance with my existing company ; 30 year fixed@ 3.125 % payments ~ {$1000.00} with XXXX $ XXXX at closing ; closing to occur within 60 days XX/XX/XXXX ~ Agreed to move forward paid {$500.00} for appraisal fee. 
XX/XX/XXXX ~ Appraisal occurred XX/XX/XXXX ~ Notified that appraisal met value at $ XXXX XX/XX/XXXX ~ Notified that loan is approved with conditions ; tried to get clarification on conditions but loan officer said not to contact him ; only contact processor XX/XX/XXXX ~ Handrails installed ( paid {$350.00} out of pocket ) and engineer cert report ( paid {$650.00} out of pocket for this ) obtained to meet conditions XX/XX/XXXX ~ Notified by appraiser that handrails needed to be installed around perimeter of front and back porches, not just stairs ; attempted to clarify this with processor on XX/XX/XXXX ; now have to schedule more repairs XX/XX/XXXX XXXX Received closing disclosure with huge discrepancy in numbers and terms. Reached out for explanation and was not given one. Did not sign document due to discrepancy. ( see email ) XX/XX/XXXX ~ Handrails completed ( paid {$1500.00} out of pocket ) XX/XX/XXXX ~ File back to underwriting and they discover issue with name on taxes. This has been my mortgage company for nearly 4 years now and they are just now discovering that there is a clouded title. This might lead to bigger issues with my county taxes. 

From this point forward to present I have been battling them on rates and terms that are completely different that the original offer by almost $ XXXX difference. Sales team keeps putting my file in suspense. Finally went back to underwriting over a week ago. I was notified today that now they want to do another appraisal. I feel that their practices have been extremely unethical and have cost me a lot. A possible resolution to this would be for them to reimburse the money I have spent in this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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 writing to delete the following information in my file. The XXXX  XXXX Account And XXXX  XXXX XXXX inquirie I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TD BANK US HOLDING COMPANY
State: CA
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:
XX/XX/XXXX i received an email from chase credit journey about a new inquiry on my credit report. I checked and there was a credit check coming from lender : nordstrom/td bank usa .

Inquiry date : XX/XX/XXXX. I tried calling the company but in order for them to talk to me i need an account number and i do not have that. I havent applied for anything recently this was not me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SER  XXXX EQUIFAX MORTGAGE SERVI XXXX EQUIFAX MTG XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
They capital one closed my account based on I wasn't using my credit card enough so they closed it since the 16 or before but upon till now I still haven't gotten my security deposit back from capital one

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-25
Company: Block, Inc.
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/XXXX there was a refund sent to my cash app card by XXXX XXXX XXXX. {$3000.00} was refunded to my cash app by dealership. Cash app claims the dealership has the money. 
Dealership Claims CashApp has the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX unknown unauthorized Arch withdrawal transferred to XXXX XXXX XXXX credit card as a automatic payment from Capital One 360 banking account. I immediately reported to Capital One 360 that this was an unauthorized transaction and cancelled the payment. I informed them that I had some identity theft problems, and that I believed that someone may have access to my account. I then locked my cards and online transaction. I called XXXX XXXX XXXX reported unauthorized transaction and there was a reversal of funds. Let Capital one 360 know that XXXX had refunded the transaction of {$1500.00}, I was informed it would take 3 days to reflect in my transaction statements I was to call back if I did not see the credit or there was any other unknown or unauthorized transaction. On XXXX XXXX I again had a pending withdraw in the amount of XXXX. I called Capital one I was told that a dispute was being filed, I. 10 days I would receive a credit I. The amount of {$1500.00}, the investigation would take up to 45 days. If I did not receive my credit to call back on XXXX XXXX. On XXXX XXXX I received an alert stating the dispute was completed and settled. I had not received my credit. I called Capital One again, I was told that the dispute was not done correctly the disclaimer should have been read to me. It was read to me, then told that it would take up to another 10 days to dispute to call back on XXXX XXXX and I would get my credit. XXXX then contacted me about getting there second reversal refund of {$1500.00} credited back to them. They had sent XXXX refunds on XXXX XXXX and on XXXX XXXX. I contacted Capital One with XXXX on the phone with me to resolve the discrepancy. Capital One refused to give the second refund back claiming that the money never left my account XXXX. That the refund XXXX XXXX was just a credit received from XXXX XXXX XXXX. I asked why there had been a second transaction for the same canceled transaction of {$1500.00} on XXXX XXXX and why did my account balance not show the credit of {$1500.00} or the withdrawal and showed a balance of XXXX after the withdrawal of {$1500.00} on XXXX XXXX I was again told that it was because the investigation had not been completed. On XXXX XXXX I was told that Capital one banking had only received one credit reversal from XXXX XXXX XXXX and that I would see it cleared by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
USAA allowed XXXX to contine to submit a request for payment an excessive amount of times and even XXXX XXXX XXXX XXXX XXXX, inwhichn i incurred an overdraft fee of XXXX x XXXX. Occuring a charge of XXXX. This is excessive and unnecessary and I would like to have this refunded to me. As a ruslut, I have closed my account with USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
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, my name is XXXX XXXX and I had my identity compromised and stolen in which a fraudulent auto loan at XXXX XXXX was opened in my name which led to an outstanding balance of {$39000.00}. Please see the attached documentation as they were failed to notice or meet any of these demands. I have submitted a police report to all bureaus and transition fails to meet the demands of me and the police department as this fraudulent auto loan is not mine and I did not apply for no auto loan. Also, I did not or Never even came across this car or seen this car as it immediately went into a charge off and my credit is very important to me I wouldn't do something like this at all. I want this issue fixed or I will pursue legal counsel as an account that is fraudulently opened in my name is being held against me by this bureau, transunion.

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 2023-08-25
Company: Advanced Resolution Services Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Attempted to put a freeze on my report from XXXX and unable to due to website failure abd when i called it gave me the run around to yse the website which is not functioning to Put a security freeze on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently ran my credit report through XX/XX/XXXX. I saw that I had a debt in collections from an e.r. visit I had, years ago. I never received a bill in the mail and had i, I would have paid it or made payments, to pay off the bill. I called the debt collector to come to an agreement on a payment plan and they told me no. That at the very least I had to pay $ 100- {$200.00} a month. I explained to them that I was paying {$300.00} a month in resolving other debts. ( Those two are now removed from credit and the only negative debt I have showing is this one from the hospital ). Not to mention I was in a transitional shelter/shelter, and on welfare getting government assistance and thats where my income came from. It has been 6 years since this account went to collections. I tried to do the right thing and resolve the issue. I even asked if they wiped the interest off completely and gave me the total amount of the bill I would pay it in full. The woman said no. That was a few weeks ago. Since then, just about every other day, I get an alert telling me my collections balance went up by {$1.00}. Is this even legal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: WELLS FARGO & COMPANY
State: VA
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:
My debit card was charged multiple times in a 20 second span. I closed card and reported the fraud immediately. Wells Fargo did not follow up and denied my claim.

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 2019-09-26
Company: Ability Recovery Services, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
These collection agencies are reporting debt with changed starting dates. Two debts sold to these companies and they changed the dates of the debt from being several years old to just months old. They are cheating and lying by entering incorrect debt starting dates.

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 2023-11-14
Company: ALLY FINANCIAL INC.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Online money transfer request made with Ally Bank to remove {$48000.00} from XXXX XXXXXXXX XXXX XXXX account into my new Ally Bank Savings account. The withdrawal took place on XX/XX/2023 and per the email received by Ally, the transfer was complete on XX/XX/2023 Another email was sent by Ally the same day advising that the transfer did not complete and we were to reach out to the " other financial institution '' to request the funds be returned and this action would re-deposit the funds back into the original account. 

After contacting XXXX XXXX XXXXXXXX to request the funds be returned, they advised that they could not complete this process and then advised me to have Ally " reject '' the funds so the funds could be returned back to them. Reached back out to Ally and I was told by them that XXXX XXXX XXXXXXXX needs to " dispute '' the transfer. Called XXXX XXXX XXXXXXXX again to let them know that Ally is saying that they need to " dispute '' the transfer, XXXX XXXX XXXXXXXX said once again that this will not return the funds back to them and that Ally needs to reject the funds It seems neither of these banks are willing to help and I'm supposed to be okay with {$48000.00} just hanging out there in limbo and not being returned to 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 non-monetary relief