BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-08
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: Account status incorrect

Complaint:
I Sent a letter to Transunion on the XXXX of XXXX they received it on the XX/XX/XXXX XXXX, Transunion is not responding to me in a timely manner to fix this error on my account. 

There should be no late payment reporting on my credit report in accordance to 15 USC 1681b ( 2 ) which states that they shouldn't report a XXXX thing on my consumer report without my written permission because you guys a assumed a role that wasn't assigned to you. Read that again, Written permission. Ignorance of the law is no excuse, there also shouldn't be a late payment in accordance to 15 USC 1666b anyway I was never late on this account.

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 2017-07-15
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The bank wells fargo is telling me that I can not ( online Transfer ) more then 6 times a mouth and they will charge me a fee. They tell me that it is a federal law. And if a transfer is need, I will half to come in to a branch and do this transfer. sometimes I do more then 6 transfer and they never said nothing about this law, but the last 3 months they have been doing it. On XXXX-XXXX-17 I went in to the branch on XXXX XXXX  XXXX XXXX and withdrew XXXX from savings the withdraw receipt was mark savings the teller took the money out of checking. the next day i used my card and I found that me checking was over drafted went to transfer money I could not do because the federal law. It cost me lost of money. The bank Wells Fargo would not help me ( meaning the bank was closed, so I called the 24 hr phone number the lady told me ( XXXX XXXX ) could not do it ) But they did help them selves to my money. Thank You Wells Fargo. They showed me Courtesy! ... ... and i have more issues with this bank Wells Fargo and question ...

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 2017-07-15
Company: DEEP SOUTH FINANCIAL SERVICES INC.
State: LA
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:
I sent the company a certified letter dated XXXX XXXX,2017 stating '' This letter is regarding Act. # XXXX, which is listed Discharged in Bankruptcy. This is a formal notice that your claim is disputed. '' I never received any response back from the company about my dispute nor was it ever listed that I was disputing this account on any of my credit reports.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
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:
Never lived at the address below and my name is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXl XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a credit card with Amazon for XXXX. I never recieved any written documents to dispute this account. The total on the account is invalid and I attempted to close this account with no success resulting in further late fees. I attempted to dispute this account recently when it negatively impacted my credit score and they wrote it off which I would lile removed.

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 2019-10-30
Company: Ocwen Financial Corporation
State: UT
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:
PHH Mortgage Services # XXXX is reporting lates in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that I should not have. I had paid this over the phone and was under the impression the payments went through, I did not know that the payments were not going through until I had my credit pulled and saw all the lates on my credit report. These lates are not my fault and they need to be removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Experian Information Solutions Inc.
State: NC
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 continues to report inaccurate information and will not allow disputes online. Their systems keep saying unavailable or error. When sending them mail, they either don't respond or say the dispute has already been processed.

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 2019-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Claim ID - XXXX Claim AmounXXXX - {$42.00} I bought a new denim jeans from XXXX. Wore it twice and washed it once after which it changed the dimensions and became loose. The only reason this would have happened would be due to the quality of fabric used for the production of the jeans. And this is why I reached out to the merchant. As mentioned in the documentation to bank of america, I opened a case with the merchant to take back the item, after which they only asked for photos of the product and few questions. After few days, without providing any justification, the merchant denied the claim with a pretty vague statement that I have already shared with bank of america. I then went ahead and filed a dispute via bank of america and provided all required information for the process of my claim. The bank took a long time to determine that they will deny the claim, once again providing no clarity with regards to the issue raised in the claim - " We're unable to dispute merchandise that has been altered. To dispute your inquiry further, the item ( s )  needed to be returned to the merchant in the same condition it was received. '' This doesn't makes any sense as I have not altered the jeans in any way and as explained in my documentation to the bank, the merchant isn't willing to take the item back. First of all, the merchant is bound to provide quality clothing. I did follow the wash instructions and was not at any fault. I filed the claim directly with the merchant within few days and within their 30 day return time frame. The very least that the merchant could have done is to take the item back, which they never agreed to, and should have investigated the claim using their quality control department. Denying the claim simply on the basis of photographs is absolutely not fair in my opinion. On top of that, the basis on which the bank decided to give the merchant benefit of doubt is beyond my understanding. I would like to use this medium to have someone from the bank to reconsider the claim and investigate with fair rules.

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 2017-09-13
Company: Experian Information Solutions Inc.
State: CA
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 was impacted by the XXXX security breach and want to place a freeze on my credit. The fact that I need to PAY money to freeze my credit to fix this giant error by a company that clearly does n't care about it 's customers is just terrible. The American people should get free credit freezes/unfreezes in general.

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 2022-02-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been getting contacted about having a debt from a Portfolio Recovery Associates of {$8800.00} which was opened on XXXX of 2018, which I had know knowledge of and have had to replace my credentials quite a few times between the years. I would dispute the collections account that was on my report, but to no avail, it has remained. I was always told that XXXX XXXX is not the best way to look at things on your credit report so I decided to invest in XXXX to see if it can give me further details on this account. Sure enough I got the description that this was a joint account with a former spouse of mine XXXX XXXX XXXX, then it all made sense. My ex would hint to utilizing me as a co signer on things he wanted to get, either cards or cars. We tried for some cars a few times, on his devices, so he had access to my sensitive information. We had a bad falling out when I told him I need to build my credit before trying to use it, so he used my information without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: ALLY FINANCIAL INC.
State: SC
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:
Ally Bank have been showing a charge off account as closed for over 3 years on XXXX  and now has changed status to open which lowers my payments history ratio. I have been reaching thing to change back agent said he doesn't see my account and they refused to repossessed car and now charging me more fees when I was under XXXX and wasn't supposed to accumulate late fees.

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 2018-01-03
Company: EQUIFAX, 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 have notified Equifax of unauthorized credit inquiry 's I would like them removed from my credit report. Accounts are stated below 1. XXXX XXXX XXXX XX/XX/2017 2. XXXX/ XXXX XX/XX/2017 3.  XXXX XXXX XXXX XX/XX/2017 4. XXXX XX/XX/2017 5. XXXX XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: EQUIFAX, INC.
State: MD
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:
On XX/XX/XXXX I called XXXX XXXX in reference to my business vehicle reporting on my personal credit And thats not supposed to happen so what you shouldve only been on my business credit the rep at XXXX XXXX state it theres nothing she can do about it and that I need to call the credit bureau which I did and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Bread Financial Holdings, Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020 a timeshare company opened up a credit card under Comenity Capital Bank for {$5900.00} to pay off the timeshare. There has been some discrepancy with the transaction during the selling process where in a promised service was not delivered. Although it was not mentioned on the contract signed, I have provided a sheet where the agent stated said service as well as an e-mail conversation. I file a dispute on XX/XX/2020 and received a response around XX/XX/2020 saying it was rejected. I filed another dispute on XX/XX/2020 and just confirmed today XX/XX/2020 and it has been rejected as well. I have provided enough proof that the transaction was deceiving and aggressive and yet the company refuses to dispute the charge. I have also informed them that a separate complaint has been filed against the Timeshare Company through the XXXX Government.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
On XX/XX/XXXX, A Bank of America credit card was fraudulently opened in my name. 
It was my understanding that the thief stole my complete identity, even opened a checking account in my name. 
I got to know of this in XX/XX/XXXX when I tried to purchase a vehicle and got declined. 
I have filed a police report since then and notified Bank of America and the Bureau about this fraudulent account. 
Bank of America have literally not removed this account off my XXXX and XXXX credit reports despite the fact the notified me through their collection team they will do that. 
Their negligence have costed me to pay high interests on my credit cards e.t.c I am asking CFPB to Intervene as the next action will be a lawsuit to get back all of my losses. 
I need the fradulent account removed and a compensation of {$1000.00} for violating the credit bureau reporting act. 


Account info : Bank of America XXXX Date Opened 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 explanation
Consumer complaint received 2022-02-08
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2021-05-19
Company: EQUIFAX, INC.
State: IL
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:
Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave Equifax any written consent to report anything on my consumer report. No consent is Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
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 have notified Transunion of unauthorized credit inquiry 's I would like them removed from my credit report. Accounts are stated below 1. XXXX XXXX XX/XX/2017 2. XXXX/ XXXX X/XX/2017 3.  XXXX/ XXXX X/XX/2017

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 2017-07-15
Company: MarkOne Holdings, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is trying to collect {$12000.00} from me for a debt they claim I owe. I have written them several letters since XXXX 2016 demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2022 at XXXX I was denied auto loan of {$39000.00} by Toyota XXXX. I requested the salesman for a letter that states the reason my loan was denied, the salesman refused to provide me with the letter. I requested to speak with the salesman manager, the manager refused to show me the letter then I told him I have the right to know the reason for my loan denial. He went back to his office and few minutes later, he came back with a letter stating Insufficient credit history I told the manager that I have had credit for over 2 years and I have been approved for $ 50000.00+ loans before, bought cars before without credit score and with credit score and I now have an excellent credit score. Also, I told them that my current auto loan is with Toyota Financial Sevice so not sure why Toyota would deny my auto loan this time. From the beginning of my visit, the salesman seemed like he had an issue with me not sure why, but he was rude to me. I asked them if I need to get a co-signer and they said no and walked away. I love Toyota and I have always had great experience with Toyota but this time at Toyota 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 response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
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:
XXXX/XXXX/XXXX  # XXXX, XXXX, XXXX # XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX # XXXX , violated my 609 rights by reporting incorrect information to Experian regarding my credit file. 
Experian further violated my rights by adding incorrect information to my credit profile for others to view. They have violated my rights to have fair and accurate information on my credit report. My personal information on my credit report is inaccurate as well I have requested to have my addresses, phone numbers, and names corrected on my report, this is a violation of my consumer protection rights.

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 2017-09-13
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a letter from Wakefield and Associates - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CO XXXX - claiming that I owed XXXX XXXX {$150.00}. I wrote to them and explained that I had contested this with the doctor, and instead of responding to me, the doctor sent the file to collections. I explained that I had called this doctor for a XXXX consultation, and asked if the practice was a XXXX provider. I was told yes, so we went to the consultation. During the consultation, we were advised that the location that they used to perform XXXX was NOT a XXXX provider, and that our insurance would not cover it. 

Since we made the consultation appointment based on mis-information, I do not feel we owe for the consultation. 

Finally, even though I asked Wakefield and Associates in writing that I did not want them to contact me again, I received another letter from them in the mail today stating that I had asked for additional info. I did not ask for anything - I had only asked them to stop contacting me. They have not honored my request.

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