BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact transUnion, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-25
Company: WELLS FARGO & COMPANY
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
I went to XXXX XXXX XXXX in XXXX sc XXXX on XX/XX/XXXX. I went for an oil change but decided to trade in my car instead. I told the salespeople what I was looking for ( a bigger car and to lower my current loan ) I got both, but here 's the issue. During the sale, they kept showing me the price for the car, fees, etc. They never personally talked about or went into detail with the single paper of the final price ( including the APR ) the process at the end was being rushed. I ended up trading my XXXX XXXX XXXX XXXX XXXX XXXX XXXX miles for a XXXX XXXX with XXXX miles. I was expecting at least XXXX off my current loan. ( Oh and the salesperson XXXX guaranteed me at least XXXX for my car ) I got XXXX. His excuses was " I was thinking of a different model '' I went back before 24hrs looking to see if I could get a different vehicle, they told me they couldn't do anything because the paperwork was already filed with the bank. I called the bank and when I was asked to enter my ssn it wasn't on file. I understand I should of read my contract but I feel I was being misled through the whole process. I only got XXXX off my old loan with a vehicle with more than 2x more mileage!

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 2019-10-25
Company: U.S. BANCORP
State: IN
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
I just started a new job. I requested a card for payroll. I did receive one but today when I checked my mail I noticed that my mail had been opened and the card is not attached to the paper like it should be. So someone obviously took it the mail was ripped open and now I have to worry about someone trying to take my identity. I'm appalled right now. I would really appreciate it if someone could please call me and try to figure out what's going on who's doing this. And why it's happening 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
Consumer complaint received 2022-10-09
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: Investigation took more than 30 days

Complaint:
I filed 3 separate complaints about inaccurate information on my consumer report on XX/XX/2022, Complaint # XXXX XXXX ; Complaint # XXXX Equifax ; Complaint # XXXX XXXX. All 3 of the mentioned CRAs have failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 ). Furnished information to CRAs about severely delinquent or charged-off accounts but failed to furnish Dates of First Delinquency ( DOFDs ) for those accounts, in violation the FCRA 623 ( a ) ( 5 ), 15 U.S.C. 1681s-2 ( a ) ( 5 ) Under the FCRA, the updates have not been completed within the 30 days that are allotted before CRAs are in violation of the FCRA. Due to the lack of prompt action and continued inaccurate and/or not complete information continuing to be furnished on my consumer report, I am requesting the specific updates and deletions. Please see my instruction in the resolution section

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I made a negotiation with the creditor for the payment of this debt. Once paid, I send comments to the credit report that were not agreed upon in the negotiation. the debt was paid so that the credit reports gave me back the points that they took from me at the time of the negative report. I appreciate your help in filing a complaint against the XXXX XXXX XXXX XXXX this negative credit report that was paid in full and agreed with the creditor so that they would not report it with the comments with which they did. I paid on XX/XX/XXXX and a letter arrived a few days later with the comments they would make. certainly the letter was issued on XXXX XXXX but it came to my mail on XX/XX/XXXX ( I would have already made the payment on XXXX XXXX-debit to a bank account or payment with a debit card ) in breach of the initial agreements. I present financial income problems, my wife was unemployed and I also for a few months, motivated by the global pandemic, my daughter became ill and since XXXX I have been the only supporter of my house and my family. He had no way to pay the monthly installments of the vehicle and for that reason he decided to deliver it. They did not give me another option to pay it and now they refuse to formalize a dispute for these reasons

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 2023-08-17
Company: EdFinancial Services
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My student loans are serviced by ED FINANCIAL. The total amounts of the loans was a total of {$100000.00} as of XX/XX/XXXX. They were broken down into XXXX accounts. They are loans for a XXXX degree and a XXXX XXXX. The loans are in deferment due to the COVID 19 pandemic. 
On or about XX/XX/XXXX, I received notifications from XXXX, XXXX and XXXX that the accounts serviced by ED FINANCAIL had been closed and " paid off. '' As a result, my credit scored decreased by more than XXXX points. I obvuiulsy did not pay these loans. I have not made any payment since early XXXX before the XXXX XXXX pandemic began. I did not receive any notification of a payoff and closing of my account from the XXXX major credit reporting agencies. 
I can not view my account on my online ED FINANCIAL account page as there are no balances or payment history. This also happened recently.

On the ED FINANCIAL website, it states that some borrowers will have their loans serviced by another processer and/or platform. I have not receivedm
any email regarding the above actions by ED FINANCIAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
So I had a scheduled auto payment on my XXXX card which was sold to capital one. The auto pay was scheduled on XXXX I received an email from capital one about 5 days before the payment was scheduled reminding me that f the upcoming payment was coming up. Also on XX/XX/XXXX th the payment was showing pending. XX/XX/XXXX the payment was due they did not take out the auto pay. I believe this was fraud to get the late fee and interest from me for the profit. I have called many times after about ten calls I got the late fee reversed. When I call I get a different story from every person I spoke to. First it was I can canceled my checking account then I was told capital one cancelled it but they had info. And then for the first time during my better business bureau complaint they said I cancelled it but offered no proof. Offered no reason for all the lies. Very vague in there answer missing most the complaint. I need help one supervisor told me to wait by the phone on XXXX at XXXX and someone higher than her would call me. Took 2 hrs off of work cause this was serious issue I wanted resolved but the call never happened approximately 2 weeks ago I was supposed to get a call from some dept that can only be reached by email. Still waiting on that call that person did not promise a time frame but I told her they would not call. Every time I pick up the phone and call them they lie thats why I think this was intentional cause if in fact cancelled my auto pay this should of been resolved with the first phone call it would of been simple. Sorry sir would you like me to take the auto pay out. I would have said yes and asked nicely if you can waive the late fee and any reasonable company would of said yes. Simple solved no they told me I closed my checking account. Not capital one over 15 phone call and would not take auto pay out I even begged them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 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 on my credit report it has been over 60 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  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 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 did not open a credit card from XXXX XXXX XXXX from XXXX to XXXX. The account # is XXXX on my credit 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 non-monetary relief
Consumer complaint received 2023-10-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
this Wells Fargo account did a charge off and its on my credit which is wrong not my account my daughter had account there too I paid mine in full off they try to make her account mine she is in bankruptcy XXXX not me and they tied my and my husband name to that account which is wrong I sent them I have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2021-05-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The personal consumer statement, in my credit file was not made by me and is 100 % inaccurate. I have filed several disputes directly with the company and submitted at least two complaints with consumer finance. I recently received a dispute decision by mail, stating that my request was unclear and my credit file had been updated on XX/XX/2021. Still, despite that, the inaccurate consumer statement exist. Please, get them to remove it in it's entirety. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
no contract

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 2019-07-12
Company: Midwest Service Bureau, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company is repeatedly calling me in a short period of time. They are affecting my place of work, as well. They are calling both my personal cell phone and my place of employment with no regard to my requests to stop. 

Here are the date, times, phone numbers they used, the location of the call ( work or cell ), if they left a voicemail, and what was discussed when they spoke with me or message on voicemail. 

Date Time Phone # Called From location called XXXX? What was said XX/XX/2019 XXXX XXXX XXXX Cell no XX/XX/2019 XXXX XXXX XXXX Cell no XX/XX/2019 XXXX XXXX Unknown Work, call transferred - Advised not to call me at my job, would not verify personal information at this time, call rep became hostile. 
XX/XX/2019 XXXX XXXX  XXXX Cell Yes 53 second voicemail, did not say anything XX/XX/2019 XXXX XXXX   XXXX Cell no XX/XX/2019 XXXX XXXX BLOCKED CALLER ID Cell no XX/XX/2019 XXXX XXXX XXXX Cell no XX/XX/2019 XXXX XXXX XXXX Cell no XX/XX/2019 XXXX XXXX  Unknown Work, call transferred no attempted to verify personal information, after I clarified not to contact me at work again, disconnected call XX/XX/2019 XXXX XXXX XXXX Cell no XX/XX/2019 XXXX XXXX XXXX Cell no

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
In XX/XX/2020 & XX/XX/2020 CAPITAL ONE added inquiries on my credit report per XXXX XXXX. These inquiries were not authorized in writing by me. These inquiries were disputed and unsuccessful removed by the credit bureaus. According to the FCRA, CAPITAL ONE has violated my rights as a consumer And Im requesting legal action to remove these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: SYNCHRONY FINANCIAL
State: MD
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:
Synchrony Sam's Club credit card sends no notice of payment due or overdue. They just keep adding penalties and interest.

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 2022-08-18
Company: Experian Information Solutions Inc.
State: NV
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 out on XX/XX/XXXX to Experian, XXXX, and XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 
According to the law 15 U.S. Code $ 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2019-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Have been in the military XXXX XXXX and when i came home i went to pull my credit report and saw several fraudulent accounts in my name that i did not open. i am requesting to Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file i am enclosing ftc 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 2023-02-02
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: Investigation took more than 30 days

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 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 2019-10-25
Company: Experian Information Solutions Inc.
State: LA
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:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-17
Company: EQUIFAX, INC.
State: NV
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 previously submitted a complaint for Equifax not reporting my credit score properly. That issue was resolved and miraculously they added XXXX points to my credit score when the changes at that time we're to account balance is going up. Now once again they show me paying off a card and one card increasing for less than the amount of the car that I paid off and they drop me XXXX points again. I had to submit a complaint before and after the second complaint they resolve this issue but now the issue has returned. There is no logical reasoning that I pay off an account and my credit score decreases but I use a card in the amount due on those cards increase in my credit score increases. There is something clearly wrong and Equifax the system when it comes to my credit reporting and this needs to be completed and fixed immediately. THE ISSUE IS EQUIFAX IS IMPROPERLY REPORTING AND SUBJECTING MY SCORE TO INVALID POINT DROPS WITH NO EXPLANATION. OR THE EXPLANATION IS A NEGATIVE ACCOUNT REMOVAL AND PAYING DOWN CREDIT BALANCES RESULTS IN A NEGATIVE POINT DROP!! THEY NEED TO FIX THIS NOW. I have called several times to no avail again. So I am hoping that you can assist with a resolution. And ONCE AGAIN THEY THE COMPLAINT WAS CLOSED SAYING THAT THE ITEMS IN MY REPORT ARE CORRECT. I AM NOT FILING A COMPLAINT ON THE ITEMS ON MY REPORT. EQUIFAX IS IMPROPERLY REPORTING MY SCORE. THERE IS POINT DROPS WHEN POSITIVE THINGS HAPPEN. AND THERE IS A 50+ POINT DIFFERENCE BETWEEN EQUIFAX AND THE OTHER 2 CREDIT COMPANIES. This is the second time this has happened. Last time I had to submit 2 complaints as well because they claimed they had resolved the issue and they had not. EQUIFAX IS IMPROPERLY REPORTING MY CREDIT SCORE NOT THE ITEMS ON MY REPORT. At this point I am starting to feel targeted and discriminated against. My score needs to be properly updated!!

Company response to consumer: Closed with explanation