BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: MD
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:
Original Creditor - XXXX XXXXXXXX XXXX XXXX Amount : {$630.00} Collection Company XXXX XXXX XXXX XXXX This account I've been fighting for a few years now. This was not opened by me! Its not my responsibility. I'm not sure what or how it was verified. This is not done by me and needs to be off of my credit report 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 2020-01-23
Company: Atlas Credit Company, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Atlas Credit company, XXXX XXXX XXXX XXXX If I could give them a -0 I would, the manager XXXX fraudulently renewed my loan without my knowledge, I had to call corporate and report him, he lied till the end, First he said that the other man that worked their XXXX did it, then he called back and said it never happened, then when I contacted the Corporate people, he said that I told him to renew it over the phone which was a flat out lie, I never signed anything, and the sad part is, this is the second time it has happened to me, the first time I caught it before I left, this time I got home and caught it, there is no telling who else this has happened to, you need to check your accounts because they are so dishonest, the only person that I got a result from is the Corporate person XXXX, she helped get my account straight, I want to pay them off and never deal with them again!!!! XXXX YOU ARE A FRAUD AND A THIEF!!! ATLAS CREDIT ON XXXX YOU ARE FRAUD, AND I HOPE THE YOU GET AUDITED AND THEY FIND OUT WHO ELSE YOU SCAMMED!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am a victim of identity theft. there are fraudulent unknown inquires 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 explanation
Consumer complaint received 2023-01-04
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hi, need help please and thank you for what you do! American Express charged me a late fee and triggered penalty APR on a Sunday, XXXX, XXXX, XXXX. Previously, Amex sent me a bunch of emails, statement notices, etc on the offer for Plan it, so I took advantage of their Plan it promotions for like 4 %. But, Ouch! On that Sunday, APR went to 21 %, with notice of pending 29 % penalty rate on the $ XXXX Plan It balance I owed. I saw the late fee when i paid my bill on Monday, XX/XX/XXXX, but didnt connect at the time the penalty APR. It was buried in my monthly statement received weeks later. So, please first ... is Sunday a biz day per Reg Z for credit card companies? Amex told me they were open and too bad so sad on the penalty APR. Why wouldn't credit cards be like my mortgage if due date lands on a Sunday or non biz day it rolls to next biz day? Credit cards cant receive my written correspondence from XXXX mail on a Sunday, so how can it count as a biz day? Second one please .... whats the scoop on Amex needing to tell me penalty APR triggered? I barely saw it because of the interest charge and it was weeks later when i went to pay again. i get many Amex promotional emails but no email on this event. Just all feels bait and switch, gotcha predatory garbage. Glad you exist, thank you. Holler if you need me, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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, TRANSUNION, AND XXXX IS KNOWLY AND FALSELY REPORTING INFORMATION FROM XXXX XXXX AND XXXX XXXX THE DEBT PURCHASER. THEY REFUSE TO CHANGE THE DATE OPENED ON THE ACCOUNT TO INJURE MY CREDIT STANDING AND THEN SELL ME CREDIT CARDS.

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 2023-12-05
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I checked my consumer report on XX/XX/XXXX and I still see inaccurate information according to 15 USC 1681 on these accounts : 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 is stated on the XXXX verified report which is wrong. 

I have everything attached showing all the inaccuracies and also attached the verification letters from XXXX and EQUIFAX. XXXX never respond to any of my letters that i sent out. Everything is documented on this portal so you ( CFPB ) does have all the evidence. 
I asked the CREDIT BEAURUES for the METHOD OF VERIFICATION on XXXX XXXX for those accounts but the CREDIT BEAURUES never responded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2019 I entered into a contract with XXXX XXXX XXXX, who was illegally presenting himself as a licensed MN Contractor, under the fraudulent heading which stated " # XXXX XXXX XXXX. '' I did not know that he wasn't licensed at the time. I gave him a down payment check, from my Wells Fargo checking account, in the amount of {$8800.00}. He immediately went to the nearest Wells Fargo and cashed the check. Wells Fargo failed to fingerprint him when they dispersed the funds to XXXX. Months later I realized that XXXX was not going to perform his duties. I reported the case to the State of Minnesota Department of Labor and Industry. I am attaching the signed letter that I received from the Department of Labor and Industry, which describes the fraud in detail. You will notice on the letter that the Dept of Labor and Industry is fining XXXX in the amount of {$10000.00}. What XXXX did was illegal felony fraud. I reported the issue to Wells Fargo in an attempt to be reimbursed, however, Wells Fargo would not reimburse me, even though it was felony fraud. According to Minnesota law, fraud in the amount of {$500.00} or more is a felony.

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 2021-03-01
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2021 I over paid my credit card by {$490.00} trying to pay off the balance. On XX/XX/2021 I contacted Citi Bank to request a refund on the over payment. On XX/XX/2021 Citi Bank claims to have initiated a refund of the over payment. 
Around XX/XX/2021 I again spoke with their customer service dept saying the refund check had not arrived. They verified that a check had been issued and mailed, but not cashed. They said they would reissue a replacement check and promised to expedite the process. Now almost another XXXX weeks have past and still " the check is in the mail ''. I find it ironic that they are able to slap a consumer with a late fee and charge interest if you fail to pay them promptly and when promised, but they can claim the excuse the Post Office must be to blame because of the Covid19 pandemic. Very convenient.

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 2017-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been going back and forth with this Credit Agency in regards to this Bankruptcy that is being reported on my credit as " Verified As Accurate '' On XXXX XXXX I personally contacted the bankruptcy court myself and spoke with XXXX who is the Bankruptcy Court Clerk at XXXX XXXX est. She made it 100 % clear to me that they do not report anything to the credit Bureau and nothing is on file with them Confirming anything with the credit reporting Agencies. XXXX then stated that they do not report anything to XXXX, Transunion nor XXXX! Please Take it Upon yourself and contact them at XXXX. The number that XXXX provided to me to contact the Bankruptcy court was also incorrect. I am tired of being lied to stating that the information was verified as accurate when it IS NOT. I want this Removed IIMMEDIATELY because you are not verifying this information with the DIRECT CREDITOR!

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 2019-06-11
Company: ENCORE CAPITAL GROUP INC.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
When returning home from a XXXX treatment, a young lady knocked on our door and my husband answered, she gave him a letter and walked off. As my Husband, read the letter we realized that our characters ' are under defamation and is being demonized by a company that we don't not have a validated or verifiable relationship with. We have never heard of this company. We have no personal or financial relationship with this company ; therefore we find it impossible to owe them anything, especially at a time where hospital bills are adding up in the thousands and we are praying to keep them up in-order to keep the much need treatments going. This is not the time for my myself or my family to argue an unnecessary debt that we have not created when we have a much bigger debt being created almost daily and we are optionless on having to find means to pay it. Please remove the unknown and unauthorized collection from Midland Funding LLC. Under the FCRA 15 U.S.C.168 li, all unverified accounts must be promptly deleted. Thank you all so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: NJ
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I financed a XXXX XXXX XXXX in XXXX, loan # ending in XXXX Vin # ending in XXXX, I was one of the victims in the improper application of CPI insurance added to my loan forcing me to have my car repossessed even though I maintained full coverage auto insurance as required, years later I was given a check of around {$4800.00} and {$290.00} as their for of a " Remedy '' to the situation. this small amount is nowhere close to the amount of money and hardship this whole ordeal has caused me. I was forced to turn in my car which they sold at auction, during that time I relied exclusively on my car to work as I was in a 80 % travel position, I was forced to resign my job because I was unable to get another car due to the false forced repossession of my car, this job was with XXXX a top company in the industry so this issue effectively set my career back and I have yet to recover. also around this time I was a brand new single father with no family resources living in a area where child care required me to have reliable transportation I was forced to rent cars at a high rate to be able to drop my kid off in order seek new employment. another hardship I faced for years was the negative info on my credit, a repossession due to the negligence of Wells Fargo made it difficult for me to get housing or a vehicle at a respectable interest rate. over the last 6 years this has ruined my life and I think the amount sent to me if far too small to even begin to compensate me for the hell I've bin through because of Wells Fargo.

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 2023-12-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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. 

has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: NJ
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : 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 2023-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2019-03-29
Company: Harpeth Financial Services, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
For the last 6 paychecks, Attorney XXXX XXXX has been garnishing 25 % of my wages without notifying me of a lawsuit against me. On XX/XX/XXXX, I called their company and spoke with someone who said that they did serve me the paperwork, however, I informed her that I was never served. According to the paperwork they have, they served me on XX/XX/XXXX at an address that I have not lived at since XXXX. I am not sure whose signature they obtained when they " served '' me but I never received any notification from them. When I notified the attorney of this, they said that I would need to send a down payment in order to stop the garnishment and start a payment plan. They have already taken {$280.00} and I already know that I can stop the garnishment through my civil courts. I would like to file a formal complaint against this attorney for illegal practices and possible forgery of legal documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
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:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 explanation
Consumer complaint received 2023-03-15
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XX/XX/2021 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On XX/XX/XXXX I have 2 hard inquiry hits on the same date from the same company. 

Company showing as : XXXX XXXX XXXX SD XXXX XXXX There showed only be one on that date and not 2. So this is impacting me and I never knew this whole time. 

Also, for : Company : XXXX XXXX DE XXXX XXXX There is a hard hit on two dates : XX/XX/XXXX XX/XX/XXXX I was wondering how I can get these dropped off or at least one in good will and a good faith courtesy by chance? 

And also there is 2 for Trans Union on : Trans Union XXXX XXXX, CO XXXX XXXX XX/XX/XXXX and XX/XX/XXXX Both 1 day apart for some reason. And is there anyway that one of these can be dropped as there's 2 for some reason within 24 hours apart that is also impacting me.

I am trying to better my credit and I didn't ever look at my hard inquires. Everything on my credit is correct. But I don't find it fair to have this XXXX/XXXX-XXXX to have done 2 hard credit checks on  the same day XX/XX/XXXX. 

And for some reason Trans Union has 2 one day apart from each other. 

I am requesting this to be taken into consideration along with the XXXX if they can do anything in good faith and in good intentions.

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