BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: MD
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:
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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-26
Company: EQUIFAX, INC.
State: AL
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 requested that this company update my personal information multiple times and they refuse to do so. By reporting misinformation they are leaving me susceptible to identity theft. I would like my profile to be updated to show only my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX BANK OF AMERICA CHARGED ME XXXX from XXXX. I wasnt aware this account was mine or even open because I had a Business account effective XX/XX/XXXX. XXXX provided the bank with information that it was a recurring charge therefore Bank of America allowed the charge to go through despite the fact the credit card had been closed do to fraud charges on the account. I didnt notice the charge in XXXX or in XXXX quite frankly because my son died on XX/XX/XXXX and I failed to review charges and just paid credit card. always in full and on time. When I first noticed the charge I called XXXX and was told they did not have that charge on my account and to contact the bank. because they were looking at my business account. The only account I was aware of and they were aware of. So, BOA reversed the credit. I called and attempted to explain the whole situation, however they were not goin to budge unless I could show proof of cancellation. Today I was finally able to get into this account and it was under an alias email account that I never had access to and did not know it existed. The account showed the emails were never opened and there was no computer of mine that was using the account. Once again I called XXXX and they closed the account. They told me to contact the bank to pursue a credit because 30 days had passed. I tried to explain everything to BOA and once again they would not listen to my explanation. I have emails from XXXX proving everything I am saying is truthful. I did not ask for a credit on the prior 2 years I was charged for the account that I was unaware I was being charged for. I take responsibility for not verifying the charges on my bill regardless of life circumstances. Thank you.

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 2022-02-08
Company: CREDIT ACCEPTANCE CORPORATION
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
In XXXX of 2019 I purchased a car with a loan from Credit Acceptance. I was only XXXX XXXX XXXX at the time with no credit history, and was unaware of how terrible this loan was. I was denied the opportunity to take out a smaller loan for a cheaper car. They only gave me the option for a {$14000.00} purchase with a 22.99 % interest rate, and me being young with no one to help me figure out that this wasn't right took it anyways I was not told that they do not allow refinancing through their company and have no payment deferral options if I were to need it in the future. So I now am XXXX already payed around {$13000.00} on this car that I never asked for, still owe {$14000.00} going through a rough patch, have almost no choice but to just accept that I'll still have to pay them for nothing as well as have no reliable transportation to work. What company honestly thinks that a XXXX XXXX XXXX kid working fast food in the XXXX can afford to make a {$410.00} per month payment. Based on the history of company it would seem that I'm not the first or last person that they will take advantage of just to make money.

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: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I am being harassed by mail advertisements for personal loan from Oportun using my home address but address to XXXX XXXX. I do not know this individual. I have had filed several complaints with the company and received acknowledgment. They promised to stop sending mailers and removing my address from their records. I keep receiving the same advertisement for the same individual in English and XXXX every other month. This has happened for 2 years now. Extremely Frustrating!!! Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
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: Their investigation did not fix an error on your report

Complaint:
Was never able to get in contact with the original creditor about the alleged debt before it got sold to XXXX. A affidavit was sent a long time ago but XXXX XXXX XXXX, Chooses to ignore it. They bought the debt from another creditor and I never seen a letter from the original creditor, never even heard of the company. The original creditor failed to contact me. I was never notified from the original creditor not even a demand letter

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 2023-12-18
Company: EQUIFAX, INC.
State: MD
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2023-02-19
Company: EQUIFAX, INC.
State: NY
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:
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 response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Consumer Adjustment Company Incorporated
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The collection previously deleted by Consumer Adjustment Co has been illegally reinserted using false, deceptive and misleading practices. This account was unsubstantiated, unverified, and therefore it was why it was lawfully removed in accordance with the Fair Credit Reporting Act. 

Consumer Adjustment Co commits false, misleading and unfair practices illegally reinserting a previously deleted collection with the same original creditor by arbitrarily reporting  a false balance and account number : XXXX XXXX XXXX XXXX ; Open Date XX/XX/XXXX ; Account # XXXX ; Balance : {$2100.00} vs. the newly inserted XXXX XXXX XXXX XXXX  : Open Date XX/XX/XXXX ; Account # XXXX ; Balance : {$610.00}. 

I have attached the reports for comparison.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Acciunts were rejected on FTC report. I do not fall under the guidelines of any accounts listed being rejected to delete.

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 2023-02-19
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My wife lost her wakket on XX/XX/2022. On XX/XX/2022, I received a fraud alert from XXXX  XXXX XXXX for unautherized transaction. Someone tried to use my wife card. I cancelled my credit card. I totally forget my wife 's TD bank debit card also in the lost wallet. TD bank allowed my checking account to be fraud charged until balance is- {$46.00}. when I called to disput all my fraud transacions, TD bank deny my dispute claim. How and why TD bank is allowing someone charge my checking account without pin number. Also, my wife and I never use the account to shop.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
too whom it may concern. I am submitting this complaint on my own and there is no third party involved in me submitting this complaint. I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I have sent numerous letters with a police report and FTC report, and an notarize affidavit to TransUnion, and XXXX and they have yet to remove the items i stated were fraudulent on my credit report. This is a total violation of the FCRA. I feel they are taking advantage of me and are not doing their jobs. FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. It's been months and they have yet to remove these accounts even after i sent a police report and an FTC report. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove XXXXXXXX XXXXXXXX and XXXX XXXX from my credit report. the following items do not belong to me and is a result of fraud that I did not authorize. 
Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

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 2023-12-18
Company: EQUIFAX, INC.
State: LA
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:
I am writing this letter to express my absolute dismay and frustration upon discovering inaccurate and damaging information on my credit report. It has come to my attention that there is a charge-off account listed, as well as potentially fraudulent accounts, negatively impacting my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

Failure to address this matter with the urgency it demands will leave me with no option but to seek legal recourse to protect my rights and rectify the damage caused by these inaccuracies. 

I have enclosed supporting documentation, including proof of payments and any relevant correspondence, to assist in your investigation. I trust that you will handle this matter with the seriousness it deserves and act promptly to correct these errors. 

I demand that you treat this dispute with the utmost urgency and prioritize its resolution. Your immediate attention to this matter is not only legally required but crucial to restoring the accuracy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: PA
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:
I, XXXX XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-07
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I disputed a XXXX XXXX bill on my credit report, XXXX removed the item 2 times and they keep putting it back on my credit report. As of XX/XX/XXXX it is back on my credit report. it was removed on XX/XX/XXXX XXXX file number XXXX. XXXX  XXXX XXXX , XXXX XXXX XXXX, XXXX Ma . XXXX { XXXX } is the credit collector noted on the report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: EQUIFAX, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-13
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit reporting 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:
XX/XX/13 @ XXXX AM I received alert that my credit score decreased by XXXX points. After investigating on the Wellsfargo app, it shows that I have 5 late payments within 30 days and 5 late payments within 60 days. I checked my credit report on XXXX, XXXX, and XXXX and it show that I have 100 % on time payments within 3.5 years. I called Wellsfargo checking because I currently only have a checking account with them and NO credit card to confirm that someone else did not open a credit card in my name. The rep on the phone said she could not help me so she transfer me to credit card dep who then transferred me to recover account who then transferred me to the business dep. At that point the call got hung up without speaking to a reep. I clearly expressed I was concerned about fruad but none of the reps wanted to help correct the incorrect information showing on their end or confirm that there was no fraudulant activity on my account. 

I have reached out to wells fargo to seek resolution to the issue but no resolution was taken by wellsfargo.

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 2022-02-08
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: AP
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 a less than stellar credit score due to old, inconsistent information being reported across the three credit bureaus. Peoples United Bank reports a charge off of a {$1000.00} line of credit which they report as delinquent from XXXX. I have not been associated with that institution since XXXX. They have reported I have a charge off on my record in excess of 12 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
A Home Equity Loan was obtain from Wells Fargo on XX/XX/XXXX for the amount of {$30000.00}, of which {$24000.00} has been paid off. On XXXX of XXXX, I noticed that the loan amount continued to be the same on the monthly statements, I reached out to Wells Fargo, and they informed me that I have been paying only the loan interest and that I still owe {$22000.00}. 
On XX/XX/XXXX, Wells Fargo offered the following solution- '' The principal balance is decreasing accurately. Regular payments will pay interest due before paying principal. The account entered repayment on XX/XX/XXXX and the monthly payment was fixed at {$140.00} account maturity date XX/XX/XXXX. '' I was never informed of the account having been entered on a repayment. 
I am XXXX years old, which means that I will be paying {$46000.00} for the next 26 years until I reach the age of XXXX. Is this realistic?? 
On XX/XX/XXXX, I mailed out a letter requesting a review of the account for the following reasons : 1. Proof of loan payment, since payments were sent to two different account numbers a. one ending with XXXX b. the other ending with - XXXX The second account number was opened without my knowledge or authorization. 
2. Wells Fargo mailed me two different HELOC agreements- one had only my signature on it and the other had two signatures the house owner 's and mine. 
I am a XXXXXXXX XXXX XXXXXXXX, all documents were written in English. 
3. I requested to pay off the balance amount of {$5900.00}, the amount I thought I owned Wells Fargo. But, it was declined. 
4. Due to the pandemic XXXX I entered into XXXX due to grieving the loss of dear friends and family members, and the idea of losing my home and ending up in a XXXX XXXX. 
5. Finally on XX/XX/XXXX I reached out to " XXXX XXXX XXXX '' agency requesting legal advice/assistance to resolve the HELOC case and paid {$2000.00}. Four months later they presented me with a loan modification that Wells Fargo had already offered me previously. 
XXXX XXXX XXXX requested {$25000.00} legal fee if I wanted to continue with legal case with no guarantee of a favorable outcome. 
6. On Friday XX/XX/XXXX I reached out to Wells Fargo, after multiple phone transfers and speaking to multiple Customer representatives, and I was informed that the loan new/updated balance had increased to {$26000.00}, and I was instructed to call the Home Reservation Department next week on Tuesday or Wednesday ( XXXX ) because there was no one to assist me at that moment.

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