BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-03
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am sending this to get negative accounts, charge offs and late payments removed from my XXXX credit report. Under the 609 code I am requesting that the information on my credit report for the following accounts be verified by providing me the original contract, a pay off disclosure, interest rate disclosure, balance history, payment history and credit insurance. If they are not verified I would like them removed and deleted off of my XXXX and XXXX credit report. 

XXXX XXXX. {$530.00} Account # XXXX XXXX XXXX XXXX XXXX 
Opened XX/XX/XXXX Status open Last reported XXXX, XXXX XXXX XXXX XXXX {$310.00} Account # XXXX XXXX XXXX XXXX Opened XXXX, XXXX Status open Last reported XXXX XXXX XXXX XXXX XXXX. {$25.00} XXXX XXXX XXXX XXXX 
Opened XXXX XXXX Status open Last reported 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 non-monetary relief
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 XXXX Account # XXXX XXXX XXXX Account number XXXX, Account number 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 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 2018-11-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a loan with XXXX XXXX which was turned over to XXXX. The loan was opened in XX/XX/XXXX, and XXXX has been calling me about payments. A few days ago, the loan was put on my credit report as opened in XX/XX/XXXX. What is going on with this company? They have also bern calling threatening to sue my mother who consigned on the loan. Help 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
Consumer complaint received 2022-10-24
Company: Experian Information Solutions Inc.
State: NY
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:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or REPAIR all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please correct the accounts, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: Security Credit Services, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX  is not properly investigating my disputes. These companies XXXX and Security credit services are reporting false information during the pandemic when I have consumer protection by law. These accounts were unauthorized and I never received the items.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I got divorced in 1997 and yet my ex-husband 's family information appears on my credit report ( specifically his brother - I think my ex was using his identity for credit ). I have contacted the credit bureaus repeatedly to get this information removed from my history and nothing is ever accomplished. The process is confusing, no individual to talk with, and I never even get a response from emails sent. Please assist!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: PENTAGON FEDERAL CREDIT UNION
State: WA
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 took out a loan with PenFed in XXXX of this year. There was a check cut and issued to me, I received it in XXXX and attempted to deposit it to my bank, but there was a problem doing so. I contacted PenFed and told them the check wasn't working. They agreed to cut me another check and sent it out. 

What they didn't do, I have now been told by their own personnel, was cancel the previous check. As a result, my loan was still dated as starting in XXXX. Before I even had received a working check, I got a call from them telling me I had missed a payment on this loan. I explained what happened to the person on the phone, who told me to not worry about it and everything was fine, I didn't owe a payment at this time. 

Fast forward to when I finally receive a working check in XXXX and deposit it, I now get a call from PenFed claiming I've missed TWO payments on the loan, and my credit reports now showed two late payments as well. I asked why this was the case when I didn't even receive a check to deposit until a couple of days prior. My loan shouldn't have started until that point. I was told by the person on the phone that their personnel who I had reported the bad check to had failed to cancel the previous check, so my loan was still dated in XXXX, and I owed the payments stated, and there was nothing they could do since I already deposited the check ( otherwise I likely would have simply canceled the loan ). 

I paid the account up to current, and they told me to file a report with the credit bureaus to fix my credit score. I did so, and XXXX came back to me telling me that PenFed had reported the late account and missed payments as accurate, when that is absolutely not what we discussed on the phone. I called them back and they told me to submit my credit reports to their credit repair department, which I did, but it has resulted in no change. They informed me I would receive an email once they've reviewed my documents, and I also have not received that yet. 

After a bunch of fighting, XXXX finally removed the late payments, but none of the following payments show as on-time, even though I have consistently made every payment on-time since I received the check in XXXX. XXXX, after 3 disputes, is still showing the late payments as accurate. 

I was trying to buy a house within the next year, but now I can't because my credit is destroyed. I've lost 100 points off my score because of this company 's negligence and poor handling, and they've refused to do anything to help me make it better. 

I have reported the lender to the XXXX XXXX XXXX as well, but they have yet to respond to their inquiry.

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 2023-11-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I would like to report an incident of misconduct by Wells Fargo concerning unauthorized transactions and lack of transparency in handling my account. 

In XX/XX/2023, I rented a car through XXXX, paying with a non-Wells Fargo method. The XXXX host falsely claimed damages amounting to {$2800.00}. Despite my dispute, XXXX held me liable. Subsequently, Wells Fargo debited this amount from my account without my consent. 

Upon reporting this to Wells Fargo around XX/XX/2023, an investigation began, and a temporary credit was applied to my account. This credit was later reversed on XX/XX/2023. On or around XX/XX/2023, I requested documentation from Wells Fargo to understand the basis of their decision. However, instead of providing the information, they issued another provisional credit and asked me to submit evidence supporting why I should not be liable for the charge. 

On XX/XX/2023, I sent a demand letter to Wells Fargo expressing my frustration with their unproductive and opaque handling of the matter ( see forwarded message ). On XX/XX/2023, I was informed that a " processing error did not occur, '' and the provisional credit of {$2800.00} would be withdrawn on XX/XX/2023. 

This situation demonstrates a breach of trust and duty by Wells Fargo. As my bank, they should protect my interests and funds. The constant reversal of credits and failure to provide requested evidence is unacceptable. 

Therefore, I request : 1. A thorough investigation into Wells Fargo 's handling of this issue. 

2. Permanent reinstatement of the {$2800.00} credit, as it was unjustly debited. 

I trust that you will address this matter with the seriousness it deserves and uphold the integrity of banking practices.

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 2023-08-10
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-12-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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:
I did not authorize these inquiries on my Equifax report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have contacted Experian about three weeks ago disputing several items on my report. Today I received a notice from the company indicating that my credit score and worthiness changed. This is from the same companies. This is the same for the other XXXX reporting agencies.

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 2021-04-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are multiple accounts on my credit report that do not belong to me I have been disputing these with the bureaus for 4 months now but no one is getting back to me or replying back to my letters and calls. I have not applied or used or know of these accounts I need help to remove them from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Flagstar Bank, N.A.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX, the wife of XXXX XXXX, was awarded the home in question by the divorce court. After extensive phone calls, emails and providing the divorce decree and many other requested documents, Flagstar Bank finally changed the account to XXXX XXXX name. She timely made all of the mortgage payments thereafter and her husband had no involvement at all with the loan. However, when she sold the home on XX/XX/XXXX, Flagstar Bank issued the check for the balance in the Escrow Account ( {$7400.00} ) to her ex-husband and sent it to her. After talking with many of the people at Flagstar Bank ( who promised to correct the problem ) and again sending the divorce decree ( because the people at Flagstar said they had no record of them ) she returned the check as Flagstar instructed. Flagstar issued a new check and sent it to her, but again it was issued to her ex-husband, not to her. After talking with many more people at Flagstar, including supervisors ( XXXX, XXXX, and XXXX ), Flagstar promised to electronically transfer the funds directly to XXXX XXXX account. It was never done and Flagstar never responded again. XXXX continued to call and email with no response. She hired XXXX XXXX XXXX, attorney, who made demand for the escrow amount on XX/XX/XXXX, with no response whatsoever.

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 2018-05-16
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
On XX/XX/XXXX I traded in my XXXX XXXX to XXXX XXXX XXXX for another vehicle. This vehicle was financed through Ally Bank. 

I had GAP Coverage on this vehicle, which was valid at the time of trade in. 

On XX/XX/XXXX, Ally Bank issued a refund payment for the unused GAP Coverage in the amount of {$200.00}. The check was issued to myself ( XXXX XXXX XXXX ), and my mother ( XXXX XXXX XXXX ). 

Being that the check was issued in both names, we both signed the back of the check in order to deposit the funds. Neither myself nor XXXX XXXX XXXX share any banking accounts in joint name. I first tried to deposit the check with XXXX, which was dishonored because we did not have an account in both of our names. I tried again with XXXX XXXX and was also dishonored for the same reason. Both banks insisted that the easy solution was to have the issuer - Ally Bank re-issue the check one of two ways ; 1 ) in one persons name only, 2 ) split the amount and issue two checks - one in each of our names. 

On XX/XX/XXXX I called Ally Bank to request the check be reissued in either of our names alone or splitting the amount and issue checks to both myself and XXXX XXXX. They refused. When I explained the situation they refused and told me no. 

This situation has left the bank in a position to be unjustly enriched because I can not deposit the check as issued. They are in the position to cure the problem and refuse to do such. I would hate to have to sue for breach of contract and bad faith, but will have to if they do not respond with an solution immediately. Moreover, I'm sure that situations like this happen and the apathy to investigate and cure is profitable for Banks.

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 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 non-monetary relief
Consumer complaint received 2023-03-27
Company: Unifin Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Collections Agency Unifin XXXX InXXXX on behalf of XXXX XXXX XXXX is attempting to unlawfully collect on a debt. The Reference number is XXXX. 

The debt in question was discharged in Bankruptcy XXXX case # XXXX which was discharged on XX/XX/XXXX in the state of TX XXXX A letter sent to my home address dated XX/XX/XXXX states that there is money owed and pending legal action was implied by referencing a Judgment that has been entered against me. This statement is false and misleading which is in violation of the FDCPA as there is no debt owed and there is no judgment outstanding for this debt. It is also my understanding that debt collectors are not able to sue on time-barred or out of statute debts. The statute is 4 years in the state of California and the letter states the debt is from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2018-02-15
Company: Greystone Alliance LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
They continue to contact me, my spouse and other family about a debt that they never tell me abouy. Only debt on my credit report are medical bills most others have been paid or canceled. They say they ha e filed a formal complaint and if no answers theyll contact the proper authorities for next legal steps for jail. I know its a scam but theyre ringing my phone multiple times a day several days a week and it interrupts my work day. The number is XXXX XXXX XXXX

Company response to consumer: Untimely response