BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-29
Company: Experian Information Solutions Inc.
State: PA
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2020-04-30
Company: ERC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had run my credit report and I found out that I had a debt collection reported on my credit by seeing this I had send them letters explaining this debts is not correct that this debt So when I saw this I deiced to write a letter to them and to XXXX  which I also send a copy of the letters I sent to ERC on XX/XX/2020 I had send a registered certified mail to let them know what is this ( see attached document ) which I have not received respond. 

On XXXX XXXX I send them another letter to ERC and XXXX  and I have not received any respond again. ( see attached document ) and 3rd letter was send on XX/XX/2020 agin till today I have not received a respond

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: EQUIFAX, INC.
State: AL
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:
Equifax ; XXXX and XXXX  should not be reporting a collection/chargeoff in the amount of {$1600.00} on the XXXX partial account number XXXX. ( Please see pages attached from my credit report, along with a copy of my Drivers License and W 2 for  identification purposes to investigate this complaint. ) I have attached a copy of the payment history for reference showing this account has been paid and there nothing to collect and/or chargeoff. This account needs to report a {$0.00} balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was purchased by XXXX and is serviced by Loan Care. I have been trying for a month to get them to pay the property taxes on my property out of the escrow account. My wife and I started calling them 2 weeks before the due date. it is now 2 weeks after the due date and the matter is still being processed. Now the same thing is happening with the insurance payment. I have been on hold with them for several hours trying to resolve and there has been only obstacles and phone menu loop to dead lines. I have very little help in resolving these 2 issues with Loan Care. I have been told no supervisors available to talk. No employee numbers for customer service reps. no case numbers for complaints. At this time I know they have not paid the taxes or insurance.

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 2020-07-20
Company: Experian Information Solutions 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:
For years I have been paying a lot for insurance. I kept getting told by all the insurance companies that it could be that my credit is not so good due to them running a consumer report during the quoting process. Every time I would get a quote it would come back high or ineligible. I have always paid my accounts on time. I decided to get my report pulled and out of surprise there is a lot of things that do not belong to me. Please remove these items from 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 explanation
Consumer complaint received 2022-05-30
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/2022 to remove the accounts below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$620.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 as of late sent dispute letters to TransUnion, XXXX, and XXXX  on XX/XX/2021, presently it's XX/XX/2021, and I have still not got any examination results from one or the other Department. The explanation I'm documenting this objection against them is that Government Law expects them to react inside 30 days yet they have neglected to react

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 2020-12-04
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
On XX/XX/2019 PORTFOLIO RECOVERY ASSOCIATES added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. The debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contact, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA, PORTFOLIO RECOVERY ASSOCIATES has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: U.S. BANCORP
State: DE
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I was forced to get a USBank debit card for my XXXX  money even after I signed up for direct deposit. I 1st noticed a charge for more money than my purchase on XX/XX/2020 that was for {$21.00}, my text alert said the purchase went thru for {$26.00}. The 2nd one was XX/XX/2020 where the charge was for {$80.00} and the text alert said {$96.00}. I tried several times to call US Bank Reliacard and wait times were too long and call kept getting disconnected every time I call. I even tried calling at XXXX and STILL couldn't get anybody to talk to. I had this debit card before and NEVER got text alerts saying the amount taken was more than the original transaction. A {$16.00} added amount is ridiculous!!! I didn't want this card in the first place and now I have to deal with extreme added charges coming from the unemployment money I had to wait almost 12 weeks for? I overlooked the {$12.00} expediting fee to get my card even though they didn't do what they were supposed to get it out to me in a timely matter. 

I don't want to use this card anymore knowing that added fees will be charged.

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 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reportsXXXX 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 gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My phone number is 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 2023-05-21
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I reach out to XXXX Transunion and XXXX XX/XX/2023 and XX/XX/2023 about accounts and collection I had no acknowledge of. I first dispute online and the report came back accurate. So I called the credit bureau to reopen the investigation and explain that the company in question didnt notify me of the debt and wasnt returning my call. I asked for the XXXX to reopen and mail me any proof of signature original contract or anything they had on file that shows me Im responsible for the debt. After about XXXX  days debt came back verify again through email but never mailed me a updated credit report or the proof that shows Im responsible for the debt. 

The debt in question is XXXX XXXX XXXX XXXX is {$6.00}, XXXX XXXX XXXX XXXX The amount is {$530.00} The XXXX XXXX Amount {$420.00} All dispute was updated again on XX/XX/2023 and doesnt give me the option to dispute again

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 2023-06-02
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: Account status incorrect

Complaint:
Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX  XXXX DC XXXX To Whom It May Concern : I am writing to complain about the illegal repo, improper reporting of credit, and other violations of the law that I have experienced at the hands of [ name of finance company ]. 

On [ date ], my car was illegally repossessed by [ name of finance company ]. I had made all of my payments on time and in full, and I had not violated any terms of my loan agreement. I contacted [ name of finance company ] to inquire about the repo, and I was told that it was because I had missed a payment. However, I had not missed any payments. 

I disputed the repo with [ name of finance company ], but they refused to return my car. I then filed a complaint with the Consumer Financial Protection Bureau ( CFPB ). The CFPB investigated my complaint and found that XXXX XXXX had violated the law by illegally repossessing my car. 

In addition to the illegal repo, XXXX has also improperly reported my credit. They have reported that I have made late payments on my loan, when in fact I have made all of my payments on time and in full. This inaccurate reporting has damaged my credit score and made it difficult for me to obtain loans and other forms of credit. 

I am also concerned about the predatory lending practices that XXXX has used. They have charged me high interest rates and fees, and they have made it difficult for me to understand the terms of my loan agreement. 
False advertising Deceptive practices Unfair and abusive lending practices In XXXX, the CFPB issued a consent order to XXXX XXXX requiring the company to pay {$1.00} XXXX in consumer redress and to make changes to its business practices. The order found that XXXX XXXX had engaged in a number of unfair and deceptive practices, including : Making false and misleading statements about its products and services Charging excessive fees Failing to provide consumers with accurate information about their loans The FTC has also filed a lawsuit against XXXX XXXX alleging that the company violated the Truth in Lending Act and the Fair Debt Collection Practices Act. The lawsuit alleges that XXXX XXXX made false and misleading statements about its loans, and that it harassed and threatened consumers who were unable to repay their loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-20
Company: Experian Information Solutions Inc.
State: OH
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:
Experian has failed to respond and appropriately remove a fraudulent account on my credit report. Evidence has been provided from a COURT ORDER in the USA. Is Experian located in the USA? Yes! Therefore, they must abide by the law in this country. See enclosed documentation from the court order, which proves 1 ) I am not responsible party 2 ) Account balance is {$3200.00} 3 ) Payment history from XXXX thru XX/XX/2020. Meanwhile, Experian reports the account in my name, with a fraudulent balance of {$4900.00}, and shows Negative payment history from XX/XX/2020 thru XX/XX/2020. The response from Experian is shameful and disgusting. They are reporting fraud and damaging my credit. Court records in the attachments can be easily found by searching my name at this website for the City of XXXX, Ohio : https : XXXX Although Experian claims the creditor validated the account that is a fraudulent claim. Why would Experian ignore terms of the court order? Because it doesn't fit their agenda and business model for reporting accounts. It is inconvenient for their business although it is a violation of federal law. Get it together.

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 2019-10-12
Company: Byrider Franchising, LLC
State: IA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
XX/XX/XXXX I had a XXXX and resigned from my previous job. I called and told them I would be late on my payment. I had a temp job and was able to pay my minimum balance. They came and took the vehicle. And sold the car to car hop across the street. And told me to pay the amount for XXXX dollars to get my car back which they sold and now they sticking me with the remainder of the car. Laws aren't build for us it used to help people like them crooks. Messed my life up

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I 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 items ( A ). It is not permissible to fail to validate these reporting items 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/DEPT OF ED XXXX XXXX/DEPT OF XXXX XXXXXXXX XXXX/DEPT OF ED XXXX XXXX/DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2019-10-12
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:
multiple accounts that are incorrect are reporting on my credit reports XXXX   XXXX**** US DEPT ED XXXX**** US DEPT ED XXXX**** US DEPT ED XXXX**** USDOE/XXXX  XXXX**** XXXX/XXXX XXXX****

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-20
Company: PNC Bank N.A.
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
PNC Bank - deceptive business practices I opened an account in early 2020 to take advantage of a promotion they were running. Per the agreement, my biweekly pay was deposited in the account and I satisfied the requirements to receive the promotion. 

Over the months that I had the account I found myself dissatisfied with functionality and ease of use with things as basic as transferring money. I then began to notice a monthly maintenance fee, which I do not recall seeing in the initial account disclosures, though I am sure it was. I never requested a fee credit, but it left a bad taste in my mouth. 

Ultimately, I decided to close the account in favor of my local credit union. When I called to close, I asked about fees and none were disclosed. Upon receiving my final distribution from the account, I noticed that it was less than I expected by {$25.00}. I called my local branch and was advised that an account closure fee applied because I had closed it within 6 months of opening the account. I explained that I had not been made aware of said fee, but the branch employee advised that she was sorry but there was nothing that could be done. 

Fast forward a couple of weeks and a PNC employee called me to discuss the situation. She was from the Executive Client Relations team and asked what she could do. I again explained that I do not believe it's right to hide the fee when I requested the account closure, and she said she would review the call. Today, I received a call stating that she was sorry that the fee was not disclosed when I called, but it was in the initial account disclosure, so have a good day. 

It is a deceptive practice to hide fees, regardless of whether it was in the 50 pages of fine print I received when I opened the account 5.5 months earlier. PNC should have disclosed this and given me the option to keep the account open for a couple more weeks had I desired to do so. This is a symptom of poor internal controls and a lack of consideration for their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: Google Compare Credit Cards Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I attempted to send a {$70.00} purchase payment to a peer via Google Pay. 

Immediately following my execution of the transaction, ( I'm the sender ), the recipient received a message from Google stating " This payment has been reversed to the sender due to your security settings '' ( message attached ), which the recipient immediately sent to me while we were transacting on the phone. 

Recipient and I ended the transaction without exchanging goods ( because Google stated my payment had been reversed ). 

It's been 3+ weeks and the payment has not been reversed. I've contacted Google Pay multiple times and they will not reverse the payment or re-credit my account ( most recent email exchange attached ). 

Google 's actions put recipient and me in a bind. 

Recipient can't safely send me back {$70.00} because for all he knows, the payment may yet reverse ( since Google definitively stated it was reversed ) and he could lose {$70.00}. 

And I'm not in a position to convince the recipient that Google sent him a false statement ( stating the payment was reversed ), and that he should instead trust me and send me {$70.00}. 

I need Google to do what it said was done and reverse the payment. 

I strongly believe Google sending a message to a party in a payment saying " this payment has been reversed to the sender '' but then failing to reverse the payment constitutes an error under the Electronic Fund Transfer Act as an " incorrect electronic fund transfer from or to the consumer 's account ''. 

Google is the trusted intermediary in a payment like this, and Google 's false/inaccurate statement materially interfered with the payment process.

Company response to consumer: Closed with explanation