BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-11
Company: Experian Information Solutions Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Account in question : XXXX  This account has several issues that I have tried to get resolved. This account is reporting open when it was closed back on XX/XX/XXXX of XXXX as you can see in the document that I have attached. This account was charged off back on XX/XX/XXXX of XXXX yet it has been reporting 30 days late for the past 3 years. This is having a substantial effect of me date of last activity which will show me when this account falls off of my report. 
As you can see of the attached document, it was reported 30 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
. I have reported several times that this account is inaccurate and all they have done was send me a letter stating that the account was updated or that it was accurate which obviously it is not. I reported this account to Experian and it came back on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After disputing this account 4 times this year and having nothing done to correct the issue, which you can see in the document that I have attached from Experian. 
At this point, I do not want to waste anymore of my time or money disputing this information because they have had 5 time to actually verify and fix this information which they have not done so at this point the only way to solve this issue is to just delete the account from my report and send me an updated copy of my credit report with this account deleted.

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 2021-05-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting Act the following company has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 604 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the Fair Credit Reporting Act the following company has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 1681 Section 604 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 an account without my written instructions.

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 2022-02-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I received payments through XXXX money transfer, as it was an easier option and a service I trusted. I received the money over the course of XXXX days, XX/XX/2022 to XX/XX/2022. The amounts were {$950.00}, {$600.00}, {$500.00}, {$750.00}, {$450.00}, {$500.00}, and {$300.00}. I was assured that XXXX payments are not refundable and it can not be reversed. I was surprised to see that the amounts were reversed and it was taken from my account. I was not notified and was not made aware that such claim was filed against me. I just saw the money was taken from my account and was given no further information about the case

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 monetary relief
Consumer complaint received 2017-10-24
Company: EQUIFAX, 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 filed a number of disputes with Equifax regarding erroneous information appearing on my credit report, specifically a " charged off '' balance of {$XXXX} from XXXX XXXX XXXX due to identity theft. Each time they have responded back with a resolution putting the information back on my credit report, simply stating that the company has verified my identity and correctness of the item and told me I need to contact the creditor, though the account number that Equifax has given me does not exist when I call the creditor, therefore I am in a Catch XXXX regarding this item.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-24
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Borrowed {$20000.00} in XXXX. Have paid {$14000.00} in interest. I now, XXXX years later, owe {$21000.00}. Navient has just driven my payment from XXXX a month to XXXX! Please help. This ca n't possibly be legal!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: EQUIFAX, INC.
State: NC
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:
I have a hard inquiry from XXXX XXXX XXXX XXXX. I didn't get any finance or I never shopped with them ever. 

In accordance with the fair credit reporting act XXXX XXXX  # XXXX, has violated my rights. 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: I.C. System, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I, XXXX XXXX am speaking for myself in this claim. IC SYSTEM is illegally reporting on my account. Cease and Desist all forms of communication. You lack my permission to communicate on any debt pursuant to 15 usc 1692c ( a ). Negative reporting is defamation of character. according to 15 usc 1692k ( a ) ( 1 ) I have the right to collect ACTUAL DAMAGES. this negative reporting on my credit report has cost me securing a new car. I C system is extorting me by reporting on my credit for this alleged debt. Cease and desist communication. You will receive a letter in writing via certified mail. To avoid any statements about this not pertaining to IC system for whatever the reason, I have include, for your convenience the laws stated. I am entitled to remedy as a federally protected consumer and simply request you remove your reporting or I will full exercise my rights and seek remedy in full.

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 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 has violated my rights.

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 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 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 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 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 2021-11-10
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have two medical bills on my credit report from Wakefield and Associates for {$2900.00} and {$600.00}. These bills were supposed to be covered by my health insurance, XXXX. I have talked with XXXX on many occasions and they informed me that it was an error in their end and that they were in fact supposed to cover these costs. I have talked with XXXX three times over the last few weeks only to be told that they are resubmitting the claim each time. I am attempting to refinance my house and this is the only reason I can not. I have also talked to Wakefield and Associates who has the debt now. I also had XXXX call Wakefield and Associates to inform them that XXXX will be paying the amounts. Wakefield and Associates tell me they can not remove it from my credit until XXXX pays it. 

As mentioned above, I have called XXXX multiple times. The first time I was told it was going to be expedited and would be handled within 24-48 hours. I called back a few days later for a status update only to be told it would be 7-10 days. I then called back a week later and was told the didnt get submitted, but they would submit them again, which pushed it out another 7-10 days. I then called this evening and was told that they hadnt been processed yet but he could resubmit them again to see if it would speed it up. When I told him this wasnt acceptable because I had been told this many times already, he said I have been beat up all day and hung up on me. 

I am requesting these collections be removed from my credit report as soon as possible as they were not my responsibility, XXXX has admitted fault, and stated they will cover them. I am unable to refinance my home because of these two collections. 

Wakefield and Associates Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: EQUIFAX, 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:
You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. 
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 
I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently completed my 2020 tax return and gave my Bank of America checking account information to the IRS. 

My checking account was closed before my tax refund could be deposited into that account due to being overdrafted. 

The IRS says that have not received the deposit back from Bank of America.

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 2020-04-24
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:
XX/XX/XXXX - XXXX  from XXXXXXXX school XX/XX/XXXX - entered XXXX  program XX/XX/XXXX - requested that federal student loans be placed in forbearance for duration of XXXX  program XXXX XXXXXXXX - received emails stating loans were 90 days delinquent and credit score dropped from 750+ to XXXX - contacted student loan servicer and student loans had not been placed in forbearance when first requested in XXXX - student loans were then placed into retroactive forbearance for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - student loans remained in forbearance until completion of XXXX XX/XX/XXXX - began dispute with XXXX  XXXX XXXX and Experian credit reporting agencies - disputes were completed and inaccurate 90 day delinquency WAS NOT removed from credit report, inaccurate information remains on credit reports - information was not removed despite updated documentation showing loans were placed in forbearance by student loan servicer dating to XX/XX/XXXX XX/XX/XXXX - submitted direct credit dispute to student loan servicer - reopened credit dispute with Experian and submitted updated documentation ; no resolution and inaccurate information stating 90 day delinquency remains on credit report - XXXX  XXXX unable to login to system, requested new password information and no email was received despite multiple attempts to reset password - XXXX XXXX unable to login to system on multiple days and multiple attempts

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 2021-05-14
Company: Experian Information Solutions Inc.
State: MI
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:
To whom it may concern, I have been in contact with Experian and transferred from department to department to resolve this. They have informed me they can't fix it on their side even though they control it. The following is what happened. 

I applied for a refinance on my mortgage. My mortgage company came back with my credit score. They informed me what adversely affects my credit score. The values were XXXX, XXXX, XXXX, XXXX. They informed me that a couple of those values mean " To many accounts with balances ''. Another means that I'm using to much credit. 

I tried to dispute this will Experian because # 1. I am only using 5 % or less of my available credit. 
# 2. I have 1 out of 9 or 10 credit cards that have a balance. 

So there is no way i can have to many accounts with balances. Also there is no way I'm using too much credit when I am only using 5 % of my available credit. I have 2 car loans, 1 of which is almost paid off. The other car loan is around XXXX. Then I have 1 credit card that carries a balance. What they reported to my mortgage company is false. I paid Experian {$4.00} on their website for my mortgage score and it shows exactly what my mortgage company pulled. I understand mortgage scores can be a little different BUT THEY SHOULD NOT HAVE FALSE INFORMATION. 

When speaking with Experian reps, I received the " run-around ''. They kept switching me from dept to dept. They informed me there is no way to internally investigate. They informed me there is no way to dispute that information. Then i was informed that maybe my mortgage company pulled a " XXXX : score. I informed them mortgage companies do not pull XXXX scores. They do not use those for mortgage loans. My loan disclosure clearly state that experian was used. Do to Experian 's lack of updating my reports I will suffer from higher interest rate over the life of my loan. 

The day I was on the phone with Multiple Experian Reps was 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 2017-10-24
Company: Experian Information Solutions Inc.
State: NJ
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:
There are unknow unauthorized inquiries on my Experian report. Specifically, I did n't give authorization for my credit to be ran numerous times by Equifax solutions on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. I did n't authorize it united auto to run my credit on XXXX/XXXX/XXXX. I did n't authorize XXXX XXXX  to do a hard inquiry on XXXX/XXXX/XXXX. I did n't authorize XXXX XXXX XXXX on XXXX/XXXX/XXXX or XXXX XXXX XXXX on XXXX/XXXX/XXXX. Moreover, clarity was not authorized on XXXX/XXXX/XXXX or XXXX/XXXX/XXXX. Moreover, there are numerous inquiries from XXXX credit that are unauthorized on my report. Please have these inquiries removed immediately.

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 2019-06-29
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
XXXX XXXX XXXX sold me a 2012 XXXX XXXX on XX/XX/XXXX. 

While my husband was serving XXXX XXXX orders driving to XXXX XXXX, Georgia the engine blew on XX/XX/XXXX. 
The car made a loud knocking noise while driving approximately 30mph, the car then started to smoke under the hood. He pulled over and noticed oil spilling out from underneath the car. He tried to start the car back up to see where the knocking sound was coming from, but was unable to get it to start. 

I was able to have the vehicle towed on the military base the following day through my insurance company to a auto shop. The mechanic checked the vehicle and said the engine threw the connecting rod and caused a hole in the engine, stating I needed to replace the engine. 
After calling auto shops around that area to see who can replace the engine my husband was told it would cost $ XXXX. 
We also looked into having the car towed back so I could have it fixed in Texas instead, but the cost for towing is {$820.00}. 

On XX/XX/XXXX I called the dealership to see what they could do about the car and was told they could do a trade in as is, but I would have the remaining balance ( {$10000.00} ) transferred over to the new vehicle. That would leave me with a substantially higher monthly payment, that is impossible for us to afford. 
The dealership advised me to contact XXXX XXXX, the company I had warranty under. Unfortunately I no longer had coverage due to mileage being over XXXX. 

I contacted Ally financial to see if they could be of any assistance with this situation, but was told they wouldnt be able to help and I needed to contact the dealership. 

I have done some research regarding XXXX XXXX XXXX and I noticed a high volume of people experienced the same exact problem and/or other engine problems.

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