BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-20
Company: TRANSWORLD SYSTEMS INC
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: Information belongs to someone else

Complaint:
I have sent certified letter after certified letter to XXXX  as well as the other credit reporting agencies regarding accounts in error on my report. XXXX  originally removed the referenced account for {$120.00} dollars and when I sent a written letter following up regarding another account that was erroneously placed on my account. They reinserted the an account they initially removed. 

I have made multiple attempts to have them explain to me how they're verifying these accounts. I've asked for copies of the documentation that they by law should be reviewing to verify these accounts prior to reporting them. However they simply reply with the accounts have been verified. I asked them to remove the accounts. They're stating they've verified the accounts. But fail to send me the physical documentation they reviewed to confirm the debt was mine. 

The account in question is being reported by " Transworld Systems '' as  I have emailed them due to their sending me a generic statement that I don't recognize. Nothing with my signature or an application of my applying for services. Furthermore there were no notifications of reporting information to my credit sent to me nor any letters notifying me of transferrence of ownership of my account. If it in fact it were mine. I asked Transworld where they received authority to report anything on my credit report. I'm waiting on a response from them right now. But I seem to be getting nowhere with either and this is just one account I'm having issues with. I'm applying for new housing this year and a professional license where my credit will be reviewed. These type of issues greatly affect my life and it seems that due to the number of accounts they're reporting. They're just bypassing the protocols required by federal law. If something doesn't change here my next step is to file a civil claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Experian Information Solutions Inc.
State: MD
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:
Notice to Agent Notice to Principal ALL CONTRACTS ARE VOID! This is the truth and nothing but the truth. If it is not THE GREAT LAW, I XXXX XXXX XXXX the living SOUL, Will not take part or honor any law that governs the jurisdiction of an illegal fiction. I will not converse in any law that is not The Great Law. Meaning adhesion contracts are hereby NOW void because they werecohesion by deception, This is Written Notice to cancel, settle, discharge, delete, destroy, burn, eliminate disappear, get rid of all illegal fiction contracts. The United States government and the Pope has been deceiving XXXX XXXX XXXX by promoting adhesion contracts, coercive laws, deceptive laws written under the pretax of our government, but its been fraud the whole time.Notice to agent is Notice to principal.I have a bandit all contracts due to the fact I have been deceive through legalese, and I have been trapped in the deception since XXXX.My birthright and blood rights has been taking away without my consent.This is Public Notice to ALL coming from Turtle Island and The Great Law of The REAL Americas ALL CONTRACTS ARE HEREBY VOID DUE TO NON-PERFORMANCE BY THE GOVERNMENT AND THERE CORPORATIONS! This is a Cease and Desist to all parties involved with trying to Contract without any lawful jurisdiction to my illegal fiction. Any corporation using any form of UNIFORM COMMERCIAL CODE or Maintaining a database of any information containing the name XXXX XXXX XXXX date of birth XXXX, Social security number XXXX is FIRED. Attached are copies of my identification and The American Declaration on The Rights of Indigenous Peoples!

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 2023-03-10
Company: TRUIST FINANCIAL CORPORATION
State: MS
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:
On XX/XX/2022 I went to a XXXX XXXXXXXX XXXX in XXXX Ms , to trade in a vehicle. I discussed in the parking lot with the salesman my income and such. They proceed to run my credit with many banks without verifying my income or any information about me with an application. pretty much they used made up data to run my 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 2020-12-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am being called by Portfolio Recovery Associates XXXX  about a credit card debt on a credit card I never opened. The amount owed is XXXX. The card was opened XX/XX/2013. The card is owned by XXXX XXXX XXXX  ( XXXX ), XXXX. I previously told a representative that I never opened this card and she said she would note this. I am know being harassed about these charges again. I currently have 2 XXXX XXXX credit cards that I have never had any issues with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 tried to make a payment but it was a glitch in the computer and it had me being late and i paid my card down to 3 % and im still current as of now

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 contacted XXXX about medical bills and informing them of HIPPA VIOLATIONS in the amount of {$1700.00} and {$250.00} asking both them and the company to provide me with a signed document with my signature showing that this medical bill belongs to me and XXXX informed me they have the right not to investigate which means its okay to update incorrect information.

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 2020-10-27
Company: National Credit Adjusters, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
National Credit Adjusters for {$3500.00} for a loan they have the wrong last name for 2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX XXXX has failed to verify that this is my debt. They have chosen to close the account because they were unable to validate. This needs to be removed from my credit report ASAP as it is not my debt and is holding up my mortgage loan.

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 2021-05-21
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:
Please investigate and delete the following false disputed accounts from my credit report : 1. XXXX XXXX XXXX account XXXX* 2. XXXX XXXX XXXX account XXXX 3. XXXX XXXXXXXX XXXX account XXXX 4. Bank XXXX XXXX account XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Experian Information Solutions Inc.
State: IL
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:
Ive sent multiple letters to the company 's EXPERIAN, XXXX, XXXX  Showing them plenty of Errors and Violations they have made on my reports and they have yet to remove them and I'm getting frustrated they are hurting me from gettin me and my family a home in this pandemic!!

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 2020-12-02
Company: OVM FINANCIAL, INC
State: AR
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Me and my husband were living in Arkansas at the time and trying to find a home in Virginia so we went on XXXX found a agent on there who showed us properties over XXXX. On XX/XX/2020 we found a house we liked and saw it over XXXX with our realtor who said the house was absolutely lovely and nothing was wrong with it. So we put an offer on the house {$170000.00} our offer got approved and we moved on to starting the contract that week. We came to Virginia XX/XX/2020 and saw the house XX/XX/2020 @ XXXX and it was not what we saw on XXXX. The vinyl outside the house is bowed out bad and the main floors inside are warped and have water damage and have sinking spots all in the main floor of house. The house has cracks all in the walls, kitchen cabinets have mold all in from water damage, upstairs has carpet but under carpet is ply wood in pieces that is soft and unstable in some spots. Front porch is leaning to the left side with a sage in the middle. They gave us the inspection report after we signed all the contracts so we never got to see what all they had done. They said they had bought everything and fixed it all but they didnt fix the floors or outside vinyl. Inspection states that there is rotted wood under main floor as to why it was sagging. We told our agent that we dont want this house bc of all the damage and false advertising of house and them saying they fixed everything and did not. Our agent didnt start the process for us to get out of contract till after XXXX  even tho she could have started it that day when we told her no to the house. XX/XX/XXXX we signed the release form. We then got another email from our agent saying the seller will not sign the release form and has legal counsel and an attorney and wants her 3 % of the house for taking off the listing because she had 4 other offers she could have taken. So now we are trying to figure out what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 I open a TD 60 Plus Checking account. 

On XX/XX/2020 I deposited {$250.00}. into the checking account. 

I received, via US Mail, a folder containing blanks check to be used with this account. 

In the latter part of XXXX, I continued to deposit into the account by visiting a local branch and submitting cash deposits totally approximately {$8000.00}. 

Starting on XX/XX/XXXX, I started writing checks against the TD 60 Plus Checking Account. 

On XX/XX/XXXX, I learned that my checks were being rejected. I learned about this through a separate bank account receiving checks written against the TD 60 Plus Checking Account. 

I physically went to the TD branch bank to inquire about the reason my checks were being rejected. Prior to this, I received no notice, via US mail, via email, or from TD bank employees at the bank when I was depositing into the account. 

I was told the account was closed. I was given no notice. I asked why the account was closed and I was told that they could not tell me. I still, to this day, do not know why this account was closed by TD Bank. 

A couple of days later I went to another TD branch collect my funds that were in the account. I was given a cashiers check for the full amount. 

I incurred returned check charges on the receiving bank and I am looking for restitution. I think punitive damages are also warranted due to their egregious behavior. And I want an explanation on why they unilaterally closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: GREAT LAKES
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX Great Lakes Borrower Services Great Lakes XXXX XXXX XXXX XXXX, WI XXXX XXXX, WI, XXXX XXXX OFFICE OF THE OMBUDSMAN XXXX XXXX XXXX XXXX, KY XXXX XXXX : DISPUTED ACCOUNT- NOTICE TO FURNISHER XXXX TO WHOM IT MAY CONCERN from the CONSUMER FINANCIAL PROTECTION BUREAU OR CFPB This is MY 4th TIME RECONTACTING GREAT LAKES AND OMBUDSMAN GROUP. I dont believe I need to recite their duties and do their investigation for them. I should not have to ask for their notes, findings, and documents for my IDENTITY THEFT CLAIM AGAIN. My identity theft claim is now going on 3 years, with the major factor being Financial Groups not cooperating. I have attached the only 3 documents I received from both groups from my IDENTITY THEFT claim, 2 from XX/XX/XXXX and 1 from XX/XX/XXXX. Again, where are the notes and what did they do? I also disputed their letter, left a voicemail and asked for a return call b/c I disagree with their statement, such as the 2nd sentence ( highlighted ) in the Ombudsman Group letter, which I never got a return email, all, or notes at all I do not want to complain, but would rather have both groups do their job and investigation properly, so I can resolve my Identity theft claim, catch the suspect, and get my financial life back BOTH GROUPS SHOULD HAVE RECEIVED THE POLICE REPORT on XX/XX/XXXX and XX/XX/XXXX. I have submitted the same paperwork several times, and have cooperated with both groups, while they do not the same with me. They have had access to everything I have, aas well as the other companies that are involved and conducting their Identity theft investigation for my ID Theft claim, which I assumed Great Lakes would be working with XXXX XXXX, since XXXX XXXX has +1000 documents and the Police Report that is +100 pages thick for my Identity theft claim. So all this is pointless and everyday that goes by goes directly against my credit, not theirs. Respectfully and XXXX, XXXX 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 2017-08-10
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
For years I have been battling all three credit reporting agencies to have child support account deleted I do not owe child support ; this account does not belong to me and further more child support cases do not have contracts, amounts owed for services or product. I have written, called, email and went into child support office as well as all three credit bureaus to get this account removed from my credit file.

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 2020-05-20
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
Hi, I went to buy a New Nissan after my Lease was up, this is like my 10th lease, I know how this all works. My credit was 720, the finance officer came back said it dropped to XXXX? I said why? .well they said you have to have a XXXX to lease. I got upset, left, went to XXXX to look, XXXX said they would lease me a new XXXX truck. I went back to Nissan they said well, we will pay off the vehicle but if you want to lease again with us we will waive the XXXX credit score minimum with us but..if you Lease again with us we will pay all the fees related to any overages up to XXXX on your old vehicle if any. I was under mileage by XXXX miles!! I had No Overages. I then went to XXXX. 
They said we have great deals on XXXX. So I said what about my credit? They said No issues. I said let 's do it. 
I went to review my credit report and found that Nissan Closed my account 2 weeks before my lease was ending, that is what Hurt my credit. They lied to me at the Dealerdhip, I called Nissan. They  verified they closed the account before the lease was over apologized, they then opened the account back up? How can they Close my account before the auto is returned? And, then open it again? Hurting my credit already? I went to finance Mgr, at Nissan,  He was Gone. The Sales person Gone. The New Sales Mgr told me, they Nissan were doing this to get individuals to Lease New Nissans!! Hurt my credit so I can only Lease thru them only, Really!! That is Fradulent!! Illegal!! This is Not right!!

I now get paperwork from Nissan that I owe for over Mileage Wrong, Ware and Tear, Wrong, and that they now want me to pay Fees that by their own admission are wrong due to them Fradulently trying to trap, entrap customers by illegal processes. Something must be done to ensure this does not happen to customers!! Its not fair or right!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: EQUIFAX, 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: Account information incorrect

Complaint:
For years I have been battling all three credit reporting agencies to have child support account deleted I do not owe child support ; this account does not belong to me and further more child support cases do not have contracts, amounts owed for services or product. I have written, called, email and went into child support office as well as all three credit bureaus to get this account removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: EQUIFAX, INC.
State: IL
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 uploaded a letter to XXXX, equifax and XXXX and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. Each bureau sent me an alert which said the account was updated and the company verified my account. I asked for proof of any files to verify this account and if there aren't any, please delete this account. XXXX, XXXX or equifax doesn't have any files to verify this account, nor will they delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: WELLS FARGO & COMPANY
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 information incorrect

Complaint:
I have been battling with Wells Fargo Home Mortgage for over 1 years regarding an alleged missed payment on my home mortgage. The issue I am raising to you is not about the missed payment, but the impact Wells is telling me this missed payment has on their reporting the most current balance on my mortgage to the major credit agencies. In addition, I am currently unemployed and asked Wells for forbearance on my mortgage. Even though I filed for this, I have made every mortgage payment after I filed with them asking for forbearance. Wells is also saying they are not reporting current balances to the credit agencies as I asked for forbearance. I assume you are the correct agency to report this issue to. If you are not please let me know who could address this issue.

I assume Wells should be reporting the most current balance ( of {$640000.00}, see attached latest statement from Wells ) regardless of me disputing ONE payment. I could understand them not reporting payments as MISSED during Covid-19, but question that they are not reporting current balances. Instead they are reporting a XX/XX/XXXX balance of {$670000.00}. This equates to a difference of approximately {$34000.00}. I have filed disputes with Experian no less than 4 times regarding this matter, and each time Wells states the {$670000.00} is the correct balance to report. 

Attached is my latest letter to them ( dated XX/XX/XXXX ), reflecting different information to the 3 big credit agencies. Their response noted in the attached XX/XX/XXXX letter, states the following : While they are agreeing that they have not reported my latest balance to the credit agencies, they are saying my outstanding claim of a missed payment and Covid-19 forbearance as the reason they have not done so. 

I hope you agree with me, that they SHOULD be reporting my latest balance of {$640000.00} to these agencies. I was told this has an impact on my credit score. If you do not agree with them reporting my latest balances, could you please explain why?

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