BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2023-06-23
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I called the credit reporting agencies and let them know the debt collection in the document included below are not suppose to be visible on my consumer report. 


XXXX XXXX XXXX - XXXX XXXX {$10000.00}

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 2021-05-03
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: Information belongs to someone else

Complaint:
They are reporting stuff of my credit report that's not true. When ask to verify, was told they did they have to give me any of that information. But I know that's not true. The fair credit reporting act say they do. The lady was XXXX was very ruled, wouldn't give me her lastnight or let me speak to a supervisor. This is the second time I had to file a complaint on them, they never reach out to, just sent me an email talking about it was completed. The also tell me the never received any of my certified mail, which is lie. Cause I have my receipt. I would just like them to remove that stuff off my credit. And also I sent the documents on showing that my chd was a minor and they still refuse to remove that fraud activity off her account. She is not XXXX and was XXXX at the time. Please help ..

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 2021-02-05
Company: U.S. Auto Sales Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I was in dyer need of a vehicle because the one I had was giving me some issues and I have a lot of medical appointments at the va and so does my wife as well. So I trade in my XXXX XXXX  and they told me that they will give me XXXX dollars, I accept and they also took from another XXXX dollars. Now, I got the vehicle and now I went to different other dealers to trade it and the value of the vehicle is XXXX dollars and my balance is XXXX dollars and I have been making payments and I dont know where my money is going. I made several calls to talk with agents and they were very rude by saying didnt you read your contract. Didnt you sign it I mean they were so rude to me. I said ok, I have always made my payments on time and I also tried to refinance with my credit union, XXXX and XXXX  XXXX XXXX and they both told me that they can not do it because the value of the vehicle is too low and I am in a big negative XXXX dollars. How can a company do that to its customers and especially us XXXX veteran. How can the law allows such a practice from a company. 
Now, this morning, this is the moment that I decided to submit a complaint and I will also ask the veterans affairs for legal help to file a law suit against this company. I woke up this morning at XXXX XXXX  to start my vehicle because my wife have a XXXX  XXXX at XXXX XXXX  at the va hospital and my vehicle will not start and I never been late except this month for only 4 days and every company gives their customers 5 days or more grace period but this company did not and killed switch my vehicle for being late for 4 days when I have so much to worry about my wife health conditions and her XXXX. I will attach her medical documents so you can see how unjust is this company, how shady they are and should not be in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/23, I communicated with an Experian agent. I was having trouble with verification. She stated that she took care of it and that my account would be activated within XXXX hours, and to watch my email for a Welcome letter. On XX/XX/23, I had not received anything and my account was not activated. I called again. Another agent said my account was not activated, that would be another XXXX hours. I called again, a hour later, because something felt off. I was told my account was canceled and to try again in XXXX hours.

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 2019-07-31
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Contacted Syncb on XXXX XXXX, 2019, about an unrecognized hard inquiry on my credit report from XXXX XXXX, 2019. I do not own any credit cards, nor have i applied for any. They claimed that the credit card company in which the inquiry came from was has no affiliation to them and advised me to contact the credit bureau to dispute the inquiry. 
I, then, contacted the bureau and they informed me that they would not take any action until i called back to Syncb and received a letter of deletion from them. 
I called back to Syncb, again, on XXXX XXXX, 2019 to request the letter of deletion ; they then tell me the problem is with XXXX XXXX and not with them or the bureau. They advised me to contact XXXX XXXX. XXXX XXXX has no customer service telephone number. 
Syncb has given me the run-around all evening and still no resolve ; only repetitively placing blame on other agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXXXXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-03
Company: Experian Information Solutions Inc.
State: IN
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:
On XX/XX/XXXX of this year I sent via certified mail a request to verify information on my credit report to both Experian and XXXX credit reporting agencies. As of XX/XX/20 I have yet to hear of their investigation results. On XX/XX/20 I initiated a formal complaint that was also sent to each of these companies to " validate '' my information listed on my credit with the original furnisher. I have enclosed a response from the US Bankruptcy Court indicating that they do not furnish any information to the credit bureaus. Further, I have requested that they ( Experian and XXXX ) provide all public information that they have reported on my credit report. If they are unable to validate the information that they have reported on my credit report then I am asking that they immediately remove the bankruptcy listing that is listed incorrectly listed on my credit report. I have enclosed my correspondence to the bureaus and the correspondence from the US Bankruptcy Court 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 2019-09-17
Company: EQUIFAX, INC.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have requested that this debt be validated by signed copies of the original documentation mailed to my address several times by phone and online disputes as well as on this site. These accounts should be removed due to lack of validation. The account numbers are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Affirm Holdings, Inc
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
On Mon, XX/XX/2023 at XXXX XXXX  XXXX XXXX XXXX wrote : My account should of been unsuspended due your company errors. This has been going on now since XX/XX/2023, with nothing but the run around due to someone tried to use my affirm debit account for the amount of {$44.00}. Now my account suspended due to this. I have uploaded my ID to identify myself still have not heard from anyone. Now affirm debit fraudulently took {$110.00} from my suspended account with the attached bank statement showing it was taken on XX/XX/2023, which I did not authorized. Also for the same account affirm debit account a refund was given by XXXX for the amounts of {$18.00} and {$48.00}. My total contract amount was {$110.00} and with a refund of {$18.00}, {$48.00} from XXXX back to the aff rim debit account and also debited {$110.00} from my bank account. The company is holding my refund of {$61.00}. I will be filing a complaint with the XXXXXXXX XXXX XXXX and also to my bank. 


I expect for this matter be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX On Sat, XX/XX/2023 at XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX wrote : Hello XXXX, Thank you for contacting Affirm. 

We are excited to confirm we have received your request to recover your Affirm account. We understand how important it is to have access to your account. To review this request, we will need additional information from you. 

Please follow the link HERE to securely submit your documents for verification. This is a single-use link that expires in 3 days. You will need to submit clear photos of your government-issued ID as well as a photo of yourself. Acceptable forms of ID include : Driver 's License Passport Identity Card Our Account Safety team reviews these submissions Monday - Friday. Once submitted, please allow 7 business days for your documents to be reviewed and, if approved, updated. You'll be notified via email on the outcome of your request. 

If you have any additional questions or concerns, please contact us through the Affirm Help Center at affirm.com/help or by calling XXXX. Our customer care representatives are available to take your call between the hours of XXXX XXXX and XXXX XXXX  XXXX seven days a week. Thank you and have a wonderful day! 

Sincerely, XXXX XXXX. 
Affirm Help Center

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: WELLS FARGO & COMPANY
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
An application was submitted and approved without my knowledge or involvement for a checking account in my name at Wells Fargo Bank on Saturday XXXX. I received a series of emails over a XXXX minute period documenting the the application and approval process. Upon receipt of the emails I immediately looked up the customer service phone number at Wells Fargo bank to address the newly opened account. The Wells Fargo Bank XXXX XXXX department did verify the account had been opened in my name. They informed me that the checking account was closed today and they will follow up via mail with the results of their investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: EQUIFAX, 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 have several inquiries on my report that DOES NOT belong to me. I have called the actual company and they have no record of me. i have written to the 3 bureaus and asked them to remove or verify the inquiry. Here is the inquiry : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was settled in small claims court case # XXXX in the county of XXXX XXXX on XX/XX/2019. Debt collector, Genesis aka Columbia Debt Recovery, has been continually harassing me via email regarding my debt, even though the small claims judgment has been ruled in my favor. I have sent them multiple copies of the small claims judgment that was mailed to me yet they continue to contact me in attempt to collect a debt I do not owe. In fact, the defendant in the small claims case, which is also the company that the debt collector is representing, owes me {$570.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Experian Information Solutions 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:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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 2018-02-12
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Greetings : I have been paying Wells Fargo Dealership for about 4 years for a XXXX XXXX XXXX. The installment is XXXX per month. I have never paid the account late. 

However, all 3 credit companies reflect a 1 time late payment for 30 days on XX/XX/2016, when it was not. I attempted to dispute the issue to the XXXX credit companies and submitted a Wells Fargo Letter as proof since WF indicated that it was an error on their part for this time frame. The credit companies advised that WF needs to update them and WF has not.

The WF letter states, " would like to inform you that an internal processing error may have affected the date that you received your loan statement between the months of XX/XX/XXXX and XX/XX/2016. Please note that we corrected the issue .... '' ( they have not ). Please help and assist if you can as this matter is reported for 7 years. Thanks 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 non-monetary relief
Consumer complaint received 2023-03-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXX, I wrote my XX/XX/XXXX rent check for {$1200.00} ( see attached XXXX. ) I wrote the check from XXXX XXXX. The check was deposited at the Wells Fargo ATM branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX. On XX/XX/XXXX, Wells Fargo took out {$2200.00} without my knowledge ( see attached XXXX. ) I immediately reported this to XXXX XXXX XXXX XXXX and Wells Fargo XXXX XXXX XXXX. 

Wells Fargo took out XXXX XXXX dollars over and caused my bank to go into overdraft by XXXX XXXX dollars. 

I opened my Wells Fargo Bank Account in the year XXXX. Wells Fargo shut down my account ending in XXXX in XXXX without my knowledge and for No Reason. This was only a checking account. Wells Fargo did the same thing to my account at Wells Fargo with incorrect amounts of money taken out and placing me in overdraft as they did on XX/XX/XXXX ( see attached XXXX. ) Rather than fix my account they shut down my account in XXXX for No Reason. XXXX XXXX is repeating the same actions with my XXXX checking account taking out incorrect amounts of money. I tried to reopen my account or open up a new account with Wells Fargo on XX/XX/XXXX, and they said they will not do business with me by opening up a basic checking account to deposit my government social security check as I am permanently XXXX and this is my only income ( see attached 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 2019-07-31
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: Their investigation did not fix an error on your report

Complaint:
EQUIFAX KEEPS VERIFYING 1 OF 5 ID THEFT LOANS ON MY REPORT.AS OF XX/XX/XXXX THEY SAID THE DISPUTE IS NOT SPECIFIC.EQUIFAX HAS REMOVED 4 OF 5 OF THE BAD LOANS THAT ARE NOT MINE.EQUIFAX HAS MANY EMPLOYEES THAT ENGLISH IS A SECOND LANGUAGE AND FEW KNOW HOW TO READ UNDERSTAND AND SPEAK ENGLISH.I BELIEVE THIS TO BE THE PROBLEMS BASIS. 
MY CREDIT IS STILL DESTROYED BY EQUIFAX 'S CONFUSION. 
DEPT OF EDUCATION XXXX XXXX XXXX IS NOT MINE.IT IS ID THEFT OR AN ERROR OF THE DEPT OF EDUCATION, BUT REGARDLESS IT IS NOT MINE AND SHOULD NOT BE ON MY CREDIT REPORT FOR ANOTHER 5 MINUTES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: DISCOVER BANK
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX # XXXX, US Department of Ed # XXXX, has violated my rights 15 U.S.C 1681 sec 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

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 2022-02-26
Company: TD BANK US HOLDING COMPANY
State: FL
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:
Hired a moving company online virtually. 1 hour later I canceled because of negative reviews on the XXXX. I was told I would be refunded and was not. Td bank credit card charged me {$3500.00} for this and refused to open a fraud investigation. They told me I needed to sue the moving company which stupidly I did. This company does not exist and had its liscence revoked and was operating illegally when TD bank decided to pay the fraudulent charges. Needless to say TD bank is reporting my credit to XXXX major credit bureaus ruining my credit. There was never any services provided by this company. TD bank has dragged this out for XXXX  months while this fraudulent moving company has disappeared without a trace to be found. TD bank is also charging me fees that they cant explain what they are for.

Company response to consumer: Closed with explanation