BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-31
Company: WELLS FARGO & COMPANY
State: NJ
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/ my card was charged for {$170.00} three times at two different New Jersey convenient stores called XXXX ( a large chain store and gas station in NJ and Philadelphia ) for a total of {$520.00}. I have filed a fraud report, transactions were credited back, and new card issued. I told them I do go to XXXX for food and gas, but only the 2-3 within a few miles of my house. On XX/XX/, I noticed all three charges were placed on my account again. I called the fraud dept, and they claimed that the reasoning was because I have done business there and was consistent with my charges. I explained my Wells Fargo card shows business done at XXXX but only the same ones near my house. Never at any XXXX  in XXXX XXXX. I was also not even in New Jersey that weekend at all. I also have never spent anywhere close XXXX or even XXXX dollars at XXXX So it is not consistent at all. It does not sound like they investigated anything. I have a perfect track record with them. There was no proof these charges were me. I have the card in my possession, I didnt give it to anyone. Possibly was skimmed. They stated they would reopen the claim but throughout the process never provided or asked for any documents or proof of where I was, etc even though I stated I was willing to give it to them. They would not give me the credit back and stated charges would remain as they opened the case again. I dont believe they are investigating it. They told me a XXXX spent at two XXXX  in one day, over an hour away from my house was consistent with my XXXX bucks I spend at XXXX every other week somehow. They told me to send proof I have to print items, then fax it, or go to a branch to fax it. It sounds like it is more work for 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 monetary relief
Consumer complaint received 2020-09-26
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This account was open XX/XX/2019 This account was reported as unpaid medical {$110.00} I have no contact information I would like to know what services I had to accrue this amount {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: MARINER FINANCE, LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
XX/XX/2016 due to an accident and getting my car after repairs. I borrowed XXXX from Mariner finance. In XX/XX/XXXX my marriage ended.I contacted mariner to try to make arrangements to pay smaller payments, all they would do is another loan. I didn't know what to do so I accepted the loan. After having problems paying contacted mariner. They were not willing to work with me, yelled, harrassed, threatened me. They would not accept money I tried to pay them. Now trying to take my unpaid for car.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: General Motors Financial Company, Inc.
State: CA
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 natural person, I am a living human being, I have rights under 15 USC 1681. I demand the inquiry listed below be removed because according to 15 USC 1681 : I have the right to privacy and I did not give AMERICREDIT written permission to furnish this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: Mobiloans, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have been paying off a {$1000.00} loan for about 16 months ay {$300.00} per month. I was never told that this would NOT be added to my credit report. The deductions stopped coming out of my checking account and I assumed that I was done with this loan. I checked my credit report and see that this loan was reported at a bad debt. I got nothing in the mail or phone calls from mobile loans, the only notification that I got was a negative mark that appeared on my credit report. Over the weekend I got something in the mail stating they are in the middle of bankruptcy and I need to send my claim in to possible be added. These people are crooks I have paid over {$4000.00} for a {$1000.00} loan. I believe that they have committed fraud. Please see attached credit report.

Company response to consumer: Untimely response
Consumer complaint received 2023-07-26
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-11-14
Company: Experian Information Solutions 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-02-10
Company: Experian Information Solutions Inc.
State: PA
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:
Have contacted Credit Bureaus on numerous occasions to have a number of inquires removed and outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Have contacted Credit Bureaus on numerous occasions to have a number of inquires removed and outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2022-10-05
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:
It has been a battle going through all these and I am submitting this CFPB complaint requesting to the Credit Reporting Agencies to delete the disputed Fraudulent accounts and information completely from my Credit File. How many times do I have to tell the Credit Bureaus that I was a victim of identity theft and that the accounts I am disputing were the results of such crime. I have been asking to the Credit Bureaus to remove the the disputed items to correct my Credit File and send me copies do proof of verification if the Credit Bureaus claim that the disputed items belong to me. However, the Credit Bureaus have been disappointing me and have failed to send me copies of documents I have been asking from them. I have also been sending dispute letters to the Credit Bureaus attached with complete documents of proof of identity and Identity Theft Report I received from the FTC. I am submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted and requesting the Credit reporting Agencies to remove the disputed items before I am forced to take legal actions. Once again, please remove the following items completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I found a number of mistakes on my credit report and I contacted TransUnion in order to resolve these issues. They have down right failed to comply with FTC Regulations and refuse to fix this issue, this is a clear violation of my consumer 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 2023-05-30
Company: Auto Trakk, LLC
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:
I purchased a vehicle lease from XXXX in XXXX. In XX/XX/XXXX, I was in a motor vehicle accident and the vehicle was totaled out. I did not owe a balance on the vehicle. XXXX has yet to remove this from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: V and H Portfolio
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on XX/XX/XXXXi sent Vance and Huffman LLC a dispute letter via certified mail. Its been over 30 days and they still have not respond to me. I honestly believe that these bastards are violating my consumer rights and i have proof for my statements. They failed to verify the disputed item in a timely manner. Under 15 U.S code 1681b-permissible purposes of consumer reports, I never gave Vance and Huffman LLC the written consent to report this account on my credit report. No consent is identity theft. Also this agency is in violation of 15 USC 1692g, they were to notify me in writing 5 days prior, I was not. I DO NOT validate this debt and as a consumer by law this account must be deleted. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting 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 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 USC 6802 A. may not disclose personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
TransUnion has not updated my accurate credit report after my identity theft. The other credit reporting agencies have corrected them after I followed the process to correct my credit report. I have been unable to get anyone on the phone to help and their website is an impossible maze that is not user friendly, that always leads to a dead end.

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 2018-10-09
Company: CASH AMERICA INTERNATIONAL, INC.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2018, I received an email saying that I was approved for a loan from {$1500.00} to {$5000.00}. So I replied to the email. The first person I talk to said his name was XXXX and he works for XXXX XXXXXXXX XXXX. He ask for my account # my routing # and my social security number. I gave it to him. He also said that a loan officer would contact me. Which a person did. The loan officer told me I was approve for {$2000.00} with an 10 % interest rate. Im thinking ok cool. So after that, I received an email with documents saying the amount I was approved for, the interest rate, the loan reference # and my name on these documents. It seemed legit to me. Until I search the net and found out they have been scamming for years. These are the two numbers I was provided XXXX XXXX. Please stop the criminals

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
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 SUMBITTED MY DISPUTES AND WAS ACCUSED OF USING A CREDIT REPAIR COMPANY. WHY WOULD I NEED A CREDIT REPAIR COMPANY TO LOOK AT MY DISPUTES AND KNOW THAT THEY ARE FRAUDULENT. I ASKED THAT THESE ACCOUNTS BE THOROUGHLY INVESTIAGTED BC THEY DO NOT BELONG TO ME. I DONT APPREICATE MY CLAIM BEING GENERICALLY BEING DISMISSED AS A USING A CREDIT REPIAR COMPSNY. PLEASE REVIEW AND REMOVE THESE INCORRECT ACCOUNTS FROM MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
AidVantage is charging interest on student loans despite the SAVE program 's terms.

When queried, they provided in a separate communication that {$170.00} of interest was removed for the month of XXXX. 

However, this is not reflected on any statement, any online " recent transactions '' ledger or anywhere. My accounting provides that more than {$170.00} was charged, but I can not reconcile this number, as their statements provide no accounting for accrued interest and removed interest ; yet, my balance continues to climb every 2 days. 

AidVantage has a requirement to provide clear and accurate statements, which they are not doing. I am separately pursuing criminal charges against AidVantage for willful fraud due to this lack of transparency. This balance is over $ XXXX and I will not be defrauded by a company that refuses to demonstrate their charges. You guys need to do something about these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Affirm Holdings, Inc
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The Installment Loan from Affirm was Paid Off on XX/XX/XXXX. I closed my account shortly after. 

My credit report has yet to be updated to reflect correct balance / account closure. 

When contacting Affirms customer support, my problem was not resolved. 

When disputing with XXXX, the investigation led to Affirm refusing to properly update the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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 write in response to a fraudulent Capital One account that was opened using my name and social security number. I discovered this account on or about XX/XX/2023 when I went to lease a new vehicle. The dealership ran my credit report and informed me that a Capital One card was adversely impacting my credit. I immediately called Capital One to file a fraudulent application / account report. I was informed that I would receive correspondence confirming that the account was closed, canceled and removed from my credit report. I did not receive any such correspondence. When I called to follow up on the status of this matter, I was informed that my claim was denied and that I would be responsible for this account because a valid payment had been made on the account. I have never applied for nor had any Capital One account. I do not know who made a payment on this account or that if the payment was valid or not. I am hereby demanding that Capital One comply with its obligations under the FCRA and to remove this account from my credit report immediately otherwise I will no choice but to proceed with legal action. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: EQUIFAX, INC.
State: IL
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:
An original letter was sent on XX/XX/XXXX and XX/XX/XXXX, and I have not received a response nor have these unauthorized inquiries been removed. Therefore I am sending a complaint to prevent this matter from being unresolved for any longer, as I have not received a written or electronic response in regard to these unauthorized inquiries. There was an FTC Report attached as well and all inquiries email on the account. On XX/XX/XXXX I submitted a Demand 2 Comply in regard to not only the inquiries being ignored but the accounts that have been requested to be investigated as well. I have been completely disregarded by this entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX 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