BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-15
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: Information belongs to someone else

Complaint:
Experian, XXXX  and XXXX  have failed to remove fraudulent information on my credit report. After numerous disputes and receiving letters claiming the account/inquiry is reporting correctly, it is not. I have attached my Identity Theft report in hopes of removing the incorrect information 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 2023-09-24
Company: Spring Oaks Capital, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Multiple phone calls while I was working, multiple emails, never did get a direct answer from them regarding the matter. They never verified/validated the debt they were trying to collect. Overall very rude and disrespectful and despite multiple attempts to dispute it to have it erased, I have had no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: ENOVA INTERNATIONAL, INC.
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
On XX/XX/XXXX received an email from XXXX XXXX They monitor my credit report and informed me that some negative information had been posted to it. I called the collection agency, XXXX, indicated in the XXXX email and was given the following information : Loan Amount : {$1700.00} Loan Date : XX/XX/XXXX Loan Issuer : The Check Giant NM LLC d/b/a/ CashNetUSA, XXXX. XXXX XXXX, XXXX XXXX, XXXX, IL XXXX. In XX/XX/XXXX I was XXXX The home address used was one that I had not been living ay since XX/XX/XXXX, and telephone numbers were from a completely different State. 
I have reported this Identity Theft to the New Mexico State Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a debt collection on my credit from XXXX saying i owe {$1200.00}. But ive never had a phone from XXXX in my name. My phone has always been in my mom and dads names.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected, consumer rights to privacy and confidentiality under 15 USC 1681 XXXX Loan number XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX Balance {$25000.00} XXXXXXXX XXXX XXXX Account XXXX Balance {$20000.00} XXXX XXXX XXXX XXXX Account numberXXXX Balance {$19000.00} XXXX XXXX Account numberXXXXXXXX Balance {$12000.00}, all has violated my rights 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 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. 1681 ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Scans of my new passport and new SSN card were provided to experian via an upload to the dispute that was previously raised based on my previous CFPB complaint. My legal name on my credit file has not been corrected. In my opinion, SSN and passport scan are sufficient as proof of identity. 
If Experian is not able to correct this, it might be better if they simply do not maintain a file / record for my ssn at all. Let XXXX handle all future requests for a credit check.

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 2019-09-12
Company: WELLS FARGO & COMPANY
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX/XX/XX/XXXX for 30 days late? XX/XX/XXXX/XX/XX/XXXX for 30 days late? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get 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 explanation
Consumer complaint received 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had my credit ran because my wife and I are in the process of buying a home however, when my credit report came back I looked through it and I saw some accounts that do not belong to me. The accounts are from these these companies ; US Department of ED, US Department of EDXXXX & XXXX XXXX. I have no idea what these accounts are for or why they're on my credit report since I did not open them and I did not give anyone permission to open them in my name. I also never gave those companies permission to run or access my credit file. I did not get anything for my own benefit as a result of these accounts being open in my name and I did not contribute to any payments that might have been made towards the account balances. I have filed this report to the best of my knowledge regarding these suspicious accounts.

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 2019-09-12
Company: FIRST CITIZENS BANCSHARES, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX loan me XXXX in XX/XX/2017. 

They " hold '' 10 % during 18 months. 

I paid interest for the 100 % of the loan. 

By the date they should deposit me the 10 %, they ask me for my tax return and other documents that I sent. Then, they said with those numbers, they can not deposit the 10 % I said, OK, but give me the new monthly payment number ( 90 % ) but the refuse and still charge me the 100 % of the interest

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Td on line banking is NOT complying with real time banking They're continuely showing my credits/debits later then the dates they actually happen. I have screen shots that do NOT match account information. I have atm receipts that do not match same time/ day as screen shot of on line banking. I have XXXX  XXXX   statements that show the tolls were pd days before they show up ( I am enrolled in instant payment ) I have receipts from gas stations that show up on line days later ( they're not letting you go on the turnpike if you haven't pd lol ). I have monies sent out through the bank, with XXXX, on the XXXX shows up on line the XXXX ( instant electronic transfer. Received ) My wife gets pd every 2 weeks ( XXXX & XXXX ) from XXXX XXXX. Direct deposit XXXX makes sure that the check is in the bank on the XXXX. We have received an overdraft fee because something was purchased at XXXX XXXX  on the XXXX. ( Fee was listed as debit card authorization. Not the 1st time ) when I questioned it I was told that it didn't post untill XXXX ( according to XXXX direct deposit the check is available at XXXX XXXX ) They hold sales ( vendor pd, taken from account ) and dump everything at once. This usually happens on weekends and holidays While the account in formation is accurate the on line banking isn't causing me a large amount in overdraft fees ( and I am not alone ) I have tried to resolve this with the bank many times and am stonewalled or put on hold. I have tried other govt and outside agencies and everyone seems to be afraid of a bank. Hopefully you can help. I'm not alone in this and it involves millions of shuffled dollars I believe that it is not legal for banking on line platform to not accurately show all banking immediately. It's called real time banking I'm sure it will be explained as a temporary problem ( I have a mass email from c.e.o. saying sorry temporary glitch in on line 6 months ago lol ) This shouldn't be allowed to go on but it's a bank so it will

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-04
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
On or about XX/XX/2017, my American Express Serve Card ending in XXXX was permanently suspended due to alleged violation of the Cardmember Agreement Section 15 ( d ). On XX/XX/2017, I had reported a dispute to American Express Serve for the amount of {$190.00}. On XX/XX/XXXX, and XX/XX/2017, I received an email from American Express Serve indicating they required additional information to process my dispute and requested that I complete paperwork. I believe that my account was suspended due to the fact that I reported this dispute. The timing of when I reported this dispute to when I received an email indicating my account was closed is quite suspect. Now over two years later, and subsequent research, I have become aware that American Express routinely engaged in this conduct in violation of federal law. American Express routinely closes Serve prepaid accounts when a consumer files a dispute, does not investigate or provide credit to the consumers account, and revoked the card without any reason or explanation, often leaving the customer without recourse. There was no reason for my account to be closed as I did not engage in any conduct that would constitute a violation of the Cardmember Agreement. Contrary to its assertion, it appears American Express is engaging in conduct that is against federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: SYNCHRONY FINANCIAL
State: MT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX I used my care credit card on XXXX XXXX for my dog. XXXX. I had XXXX XXXX and XXXX made it so I couldn't pay it. Last year my son passed in a car wreck I finally got clear enough to think contacted care credit who tells me the acct was written off. I check XXXX XXXX  and see this XXXX debt for this care credit debt that care credit has written off. They are showing it was incurred XXXX which is inaccurate. I dispute it and through the process of this I get a collection notice from another collection agency trying to collect this XXXX for XXXX. XXXX claims the debt is right I dispute again because I ow care credit not them, the dates aren't right and they have another collection agency trying to collect the debt for them while they are trying to collect on a debt care credit has written off. I can scan the original debt paperwork from XXXX XXXX XXXX  and the collection notice from the place XXXX hired. Just let me know if needed. I am on my phone or I would upload now.

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 2022-11-22
Company: EQUIFAX, 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: Reporting company used your report improperly

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

Account name XXXX  Account # XXXX Account name XXXX XXXX Account # XXXX and XXXX and XXXX and XXXX, Account name : XXXX XXXX XXXX Account # XXXX Account nameXXXX account # XXXX XXXX Account name DeptedXXXX  Account # XXXX, Account name DPT EDXXXX account # XXXX and XXXX and XXXX, XXXX, XXXX, Account name DeptedXXXX XXXX, XXXX Account name XXXX XXXXXXXX XXXX XXXX Account name XXXX XXXX Account name XXXX XXXX Account name XXXX XXXX account name deptedXXXX XXXXXXXX account name XXXX XXXX XXXXXXXX account name XXXX XXXX XXXX XXXX, XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 Any other 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 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Filed a dispute with Transunion, XXXX, and XXXX all on XX/XX/2021. It is XXXX and I still have not received anything back from them. They are not following their own policies by responding within 30-45 days. Even sent a demand to comply letter! This is ridiculous. Those items disputed need to be removed 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 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX, to remove these items 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/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; US DEPT OF EDXXXX XXXXXXXX ... XXXX 
{$12000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Balance : {$2200.00} ; XXXX  XXXX .... Balance : - ; XXXX XXXX XXXX .... Balance : {$16000.00} XXXX XXXX XXXX XXXX ... XXXX Balance XXXX {$670.00} ; XXXX XXXX XXXX XXXX .... Balance : {$1500.00} ; XXXX XXXXXXXX XXXX Balance : {$7300.00} ; XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX 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 2020-10-31
Company: JPMORGAN CHASE & CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
JPMCB Auto it is showing on my credit report as bad debit and charge off and it's a discrepancy. So I disputed it on my credit report and they will not return no phone call or will not send me no mail on why they not looking into it and I thought after 60 days you send them something they're in the mail they supposed to reply to you it's been 9 months and I haven't received anything in the mail from them at all so can you please investigate this? Or have them too remove this from my credit report because they keep selling it to another creditor to make my debt higher

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
XX/XX/2022 To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report, that continued requests for removal of items that have not been authorized by me are still entered as active or inactive trade lines on my credit report. Negatively affecting my financial stability. This is an immediate, Sixth request for removal and blockage of incorrect information. 

There seems to be a continuous high-level of incompetence at your company. I have been forced to submit a dispute every 30 days for the removal of this information. 

I have not placed requests for credit with the below organizations and have no active trade lines with them. 
Id like to know how and why your company has added credit accounts to my report that do not belong 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 2018-02-15
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing this hoping you can do something to keep a retired widow in her home. I was initially given a loan with Wells Fargo with too high of an interest rate, leaving me with a monthly payment that is impossible to afford. I am on a fixed income. 
When my husband passed away I contacted Wells Fargo about the monthly payment. They gave me a list of documents to provide them, which would always get lost, or would never be processed. This cycle happened over and over again, while I continued to get behind. When I called for help I would be transferred from one department to another and couldnt get even the simplest questions answered. 
The only help Ive been offered at this point is the advice I should leave my house and let them repossess it! Where would I go?

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 2017-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
XXXX XXXX a collector for original creditor XXXX has recently updated/verified a collection account, account no. XXXX and done so wrongfully.The inaccurate negative information is appearing on transunion, XXXX and XXXX credit bureaus. 
When I originally received the service and phone I was satisfied.Shortly thereafter the screen broke so I contacted XXXX and XXXX replaced the phone with a refurbished phone for XXXX dollars.The refurbished phone worked for awhile but there was a problem with the charging port.I struggled with the phone for about a month until the phone was dead and wouldnt take a charge.I didnt want to pay another XXXX dollars to trade this phone and risk getting another defective one so I abandoned the acct and moved to another carrier.I was being billed heavily as I had added my girlfiend to this account which did not function properly due to the two defective phones.The phone service was only good in the beginning and the service deteriorated with the defects on the original phone and replaced phone.The carrier XXXX could not provide good adequate service due to defective phones and the charges to me are unfair and wrongful due to the poor service received.

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 2020-12-09
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: Investigation took more than 30 days

Complaint:
On XX/XX/2020, I sent the bureaus a letter asking them to look into some accounts on my reports that were not accurate, that were outdated, or that I did not believe belonged to me. Since then, I have sent follow-up letters every month to no avail. The bureaus have not responded to my requests for investigation and validation of debts, nor have they removed outdated or incorrect information. Follow-up letters were sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2020. On XX/XX/XXXX I notified the bureaus of my intent to file a complaint with you, the CFPB. With all of these requests, I have yet to hear from either the bureaus, or any account in question to provide validation or ANY evidence that my disputes are being addressed

Company response to consumer: Closed with explanation