BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-19
Company: Experian Information Solutions 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:
I AM RESPONDING TO THE COMPLAIN NUMBER CFPB # XXXX THAT YOU CLOSED ON XX/XX/XXXX WITHOUT ANY INVESTIGATIONS. THIS IS NOT A DUPLICATE COMPLAINT AND ITS SEND BY ME XXXX XXXX XXXX AND AUTHORIZED BY ME XXXX XXXX XXXX XXXXDONT IGNORE THIS COMPLAIN, BUT INVESTIGATE, AND TAKE ACTIONS***** I HAVE ATTACHED THE FOLLOWING INFORMATION AND DOCUMENTS YOU REQUESTED. I ATTACHED THE DRIVING LICENSE AND ONE COPY OF THE UTILITY BILLS, ALONG WITH OTHER DOCUMENTS. 

NAME : XXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX ADDRESS : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX I notice inaccurate information reported by Experian regarding a Charge Off account XXXX XXXX  # XXXX. This account was charged off in XXXX. Experian violated federal law, by not properly investigating and reporting inaccurate information on my credit report. These are the Violations of the Fair Credit Reporting Act. 1. Delete this account, because it shows Balance {$18000.00}. A Charge Off/Close Account must show {$0.00} balance. 2. Delete this account, because it shows a Past Due Amount {$18000.00} and a Charge Off/Close Account must show {$0.00} Past Due. 3. Delete this account, because it shows Payment History reported  consecutively as NEGATIVE in XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXXyear ; XX/XX/XXXXyear ; XX/XX/XXXXyear ; 30 days late XXXX XXXX ; 60 days late XX/XX/XXXX ; 90 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX. A Charge Off/Close Account must show NO Payment history or consecutively as N reported on my credit report. 4. Delete this account, because it shows Credit Limit {$17000.00} on a charge off close account. Please delete this account, and send me a new report. I need to apply for a mortgage in 2 months and this is an urgent matter. I have attached my Experian Credit Report and circled the violations, Experian violated in red color. Experian must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

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 2022-10-26
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information and any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage on my home, Wells Fargo acquired the mortgage from XXXX XXXX XXXX. The payment is due on the XXXX and late on the XXXX. I usually pay in advance. I mailed my XX/XX/XXXX payment on XX/XX/2018. The bank received it and processed it through my bank on XX/XX/XXXX. My checkbook journal says I wrote it for the right amount. Wells Fargo says the payment was short by {$100.00}. I can not verify this as the method Wells Fargo uses to process the check, something like a debit card payment according to my bank, means I can't get a copy of the check. Wells Fargo placed the entire payment in " unapplied funds '' on XX/XX/XXXX. Wells Fargo made no attempt to notify me of the alleged {$100.00} shortfall. On XX/XX/XXXX, the day after the past due date, Wells Fargo declared the entire mortgage payment past due and assessed a late fee of {$57.00} ( 57.97 % of the {$100.00} 's past due for 1 day. ) On XX/XX/XXXX Wells Fargo notified me by e-mail that the payment was past due and the late fee. I went to the bank on XX/XX/XXXX and paid the {$100.00}, the late fee was allegedly removed but it still showed on the account today, XXXX. I can not believe it is legal for the bank to hold my money and not notify me for 24 days so that it can assess a late charge, ding my credit and make it harder to get rid of them once and for all. Wells Fargo has my address, my e-mail address and my telephone number!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX, I applied for an AMEX XXXX XXXX credit card in the XXXX XXXX XXXX in XXXX XXXXXXXX XXXX using the terminal in their office direct with American Express. The sales person knew I already had a XXXX XXXX XXXX credit card. The promotion was 0 % interest for 15 months and if you charge {$6000.00} in the first 6 months you get XXXX bonus reward points. Upon approval for the card ( XX/XX/XXXX ), I charged {$15000.00}. I still have not received my bonus rewards to date. 

I called AMEX several times. I received many different answers. I opened 2 different cases. AMEX is telling me I am not entitled to the bonus rewards because I already have a XXXX XXXX XXXX According to the terms & conditions, which I have attached, if you opened a XXXX XXXX card within the last 24 months, you can not receive the bonus points. I opened my XXXX XXXX card in XX/XX/XXXX. 

I called the XXXX sales team I purchased with and XXXX corporate. They do not want to get involved. They said it is an AMEX promotion. Needless to say, I am very frustrated with both American Express and XXXX. I am very hopeful the Consumer Federal Protection Bureau can help me resolve this issue. Thank you for your consideration of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
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:
PO Box ADDRESS IS INCORRECT AND DOES NOT BELONG ON 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 2020-10-19
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried to place a security freeze with the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX according to their instructions by sending them a letter. I sent it by registered mail and received the Domestic Return Receipt stamped by them on XXXX, XXXX 2018 as proof of their receiving it. I never heard from them again. I do not know if a freeze was ever placed. 
After looking them up on the XXXX XXXX XXXX XXXX website I discovered many similar complaints, as well as the fact that they are not accredited by the XXXX. 
I tried contacting them by phone twice, once to request a credit report and once to request that any freeze be lifted. I tried to use their automated system that said both times that my request could not be processed and hung up on me.

I do not want that company to have my information and request that in the case a credit freeze was placed on my account it now be lifted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I called Transunion on XX/XX/XXXX to report that I have been a victim of their inquiry issue that resulted in incorrect inquires appearing on my credit report. Clearly the representative at the bureau did not care and was not their to help and made it seem like the bureau PROFITS from bad credit and would not remove something that did not belong on my credit because it WAS NOT authorized by me. The following inquiries I reported to have removed - XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2018-07-23
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was placed into multiple forbearance upon their guidance only to result in more money owed to them. This process was not explained to me and I feel taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I HAVE BEEN THE VICTIM 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 explanation
Consumer complaint received 2021-07-07
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I made a complaint against Lanier collection agency and their response was the debt belongs to XXXX XXXX, This response further proves my point of their unethical and deceptive practices. I am not XXXX XXXX so therefore the debt is invalid and needs to be removed off of my credit report. I already spoke with an attorney and by your own admission you have confessed to putting an debt on my credit report on purpose. You have 10 days to remove this incorrect balance and to cease and desist in your attempts to collect a debt not owed by me. Further more you are to remove the XXXX for account number XXXX from off my credit report or the next letter you receive will be from my lawyer. Also I never refused a letter of debt validation, let the record reflect that I have resided at the same address for 6 years and the company has never sent me a debt verification because they know the debt isnt mine. I have enclosed my proof for your records. As you can see the account number does not match the final bill from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Back in XX/XX/2018, two accounts through XXXX XXXX XXXX XXXX appeared in my credit report showing charge-off/delinquent. These accounts were previously removed from my report due to dispute. One of the accounts was removed from my equifax report but the other one still exists on there. The two accounts still remain on my TransUnion report. This error has caused me to be declined when trying to obtain new credit lines/accounts due to the affect it has on my credit.

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 2022-10-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Requested freeze to be removed since XXXX XXXX, XXXX. I have spoken with multiple representatives and supervisors to no avail. The online system has said that my freeze status is unavailable for weeks. I do not have access to maintain my online account due to this issue. By law, reports are supposed to be easily accessible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Pioneer Capital Solutions Inc
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Pioneer Capital Solutions is in violation of my privacy rights under HIPPA Law. 
I have continuously asked Pioneer Capital Solutions to provide me with a signed HIPPA release and they have continuously avoided my request but have sent private information about my injury and procedure. 
This account needs to be removed from my credit file 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 explanation
Consumer complaint received 2020-10-19
Company: Experian Information Solutions 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:
I AM RESPONDING TO THE COMPLAIN NUMBER CFPB # XXXX THAT YOU CLOSED ON XX/XX/XXXX WITHOUT ANY INVESTIGATIONS. THIS IS NOT A DUPLICATE COMPLAINT AND ITS SEND BY ME XXXX XXXX XXXX AND AUTHORIZED BY ME XXXX XXXX XXXX XXXXDONT IGNORE THIS COMPLAIN, BUT INVESTIGATE, AND TAKE ACTIONS***** I HAVE ATTACHED THE FOLLOWING INFORMATION AND DOCUMENTS YOU REQUESTED. I ATTACHED THE DRIVING LICENSE AND ONE COPY OF THE UTILITY BILLS, ALONG WITH OTHER DOCUMENTS. 

NAME : XXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX ADDRESS : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX I notice Inaccurate information reported by Experian regarding a Charge Off account XXXX XXXX XXXX # XXXX. This account was charged off in XXXX and closed. Experian violated federal law, by not properly investigating and reporting inaccurate information on my credit report. These are the Violations of the Fair Credit Reporting Act. 1. Delete this account, because it shows Balance {$1400.00}. A Charge Off/Close Account must show {$0.00} balance. 2. Delete this account, because it  shows a Past Due Amount {$1400.00} and a Charge Off/Close Account must show {$0.00} Past Due. 3. Delete this account, because it shows Payment History reported consecutively as NEGATIVE in XXXX, XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXXyear ; XX/XX/XXXXyear ; XX/XX/XXXX year. Shows late payments, 30 days late XX/XX/XXXX ; 60 days late in XX/XX/XXXX ; 90 days late in XX/XX/XXXX ; 120 days late in XX/XX/XXXX. Reported 49 charge offs. A Charge Off/Close Account must show NO Payment history or consecutively as N reported on my credit report. Please delete this account, and send me a new report. I need to apply for a mortgage in 2 months and this is an urgent matter. I have attached my Experian Credit Report and circled the violations, Experian violated in red color. Experian must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

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 2017-09-22
Company: Santander Consumer USA Holdings Inc.
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On XXXX XXXX, XXXX I XXXX XXXX, Minnesota XXXX, signed a deal from Chrysler Financial at XXXX XXXX XXXX XXXX, for a XXXX XXXX XXXX. With that I also traded in my XXXX XXXX XXXX. 
Because I currently receive workmen compensation ( WC ) I was allowed to come back on Friday, XXXX XXXX to pay {$500.00} down and provide the paper copies of my WC payments I received in XXXX XXXX. 

When my temporary license plate paper expired on XXXX/XXXX/XXXX, I called the dealership to find out about my permenant plates. At this point, I was told that funding had not been completed on the bank side. I was asked to verify why my check stubs stated vendor payment? I then reminded the dealership of my WC and provided my doctor 's note. 

After not hearing anything I was then contacted by the dealership XXXX/XXXX/XXXX stating that the bank needed tangible verification of my child support ( CS ) payments verses the screen shot I had sent. I then emailed over the my scanned paper statements for my CS payments that day. 

On XXXX/XXXX/XXXX, I was again contacted by the dealership to provide my bank statements. I submitted those by email that day. 

Finally, I was contacted on XXXX/XXXX/XXXX by the dealership stating that the bank needed a XXXX statement verifying my employment and WC. I emailed a copy that next morning. Now as of yesterday XXXX XXXX/XXXX/XXXX XXXX, the dealership informed me that I may need to return the vehicle. When I asked about my trade in vehicle, the dealership stated that they were not exactly sure where my vehicle was and that they could possibly cut me a check for the manufacturer price. They then informed me that it was not their responsibility in regards to my transportation. 

I am so confused and saddened by my experience with this car purchase. I do n't know what more to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is a written direct dispute by XXXX XXXX, the consumer. This dispute concerns the accuracy and integrity of the information contained in my consumer report and pertains to account XXXX XXXX XXXX XXXX, opened on XX/XX/2021 with a charged off balance of {$690.00}. I did not authorize or benefit from the creation of this account. This account was fraudulently opened using my personal identification information and I am requesting an immediate blocking of this information from being reported to my consumer 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 2019-01-11
Company: AMERICAN HONDA FINANCE CORP
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Something that caught my attention is how they handled the payments I made to my account with this new car XXXX XXXX, I took this car about 13 months ago, and before had a lease of a XXXX XXXX XXXX XXXX, which then fund a XXXX XXXX XXXX. Apparently the numbers here is not correct and I ask for a review of the read of the XXXX XXXX XXXX XXXX that I did, I want a review of how were those payments, the initial, charges in order to review the full contract and if the correct charges were applied to the other to make the trade IN Complaint to the sling by with the XXXX .. since I see not doing the correct reports or in time to have the exact numbers, likewise I want you to review the the XXXX XXXX XXXX that was then financed with honda finance to be sure that I was not charged fees and payments as it should be and that there was no misinformation to make me pay more money than normal, since there have been many problems with loans in this dealer and d and how things have been done in this place.

On the other hand I decided to change the XXXX XXXX on the XXXX  of this month of XXXX, and I noticed some adjustments that do not add up. The experian credit report says that the last update of the XXXX XXXX XXXX  payments was on XX/XX/2018 with a balance of {$40000.00}, and when the car changed for a XXXX  at the XXXX dealer it was requested the total payoff of the sling, which went for about XXXX   I think .. I do not understand how it is that this debt is there if the payments are made on the XXXX  of each month, since XXXX  has not correctly applied the total balance to be paid, He should be less.

We paid XXXX dollars and a few cents per month ... then if we paid on XX/XX/XXXX, XXXX  dollars and on the XXXX of this month of XXXX, another XXXX dollars, and XXXX due toXX/XX/XXXX, according to the last update of the sling in the credit report experian ... these last two payments have not been applied to the debt .. creating that with the total balance requested by bmw then in the trade in that we did, in the balance we ended up paid two payments more than normal, the account should currently running at about XXXX,, approximate with a few cents difference ... more or less.

We contacted honda financial, and they told me to visit the dealer. That was where I bought it. I went to this place today and I told them about this, they told me that this is already a XXXX XXXX, not with them. they ... that they only sell the car ... that they could give me back the gap insurance .. that they can do it but they do not know how much they would give me..they sent it to the insurance and they decide how much it is .. and that it would arrive by mail ..

Then here are so many problems ... that no one wants to face.

Company response to consumer: Closed with explanation