BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: VA
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 non-monetary relief
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: NJ
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:
Consider this as a follow-up complaint to my previous complaint that contained these erroneous items : XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX These records and items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized.

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 2015-04-10
Company: Receivables Outsourcing, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Prerecorded messages that do not state who is calling. 
Prerecorded messages asking for people I do not know Prerecorded messages stating legal action will be taken if I do not call them back. 
When I do call them back they make threats of jail etc, If I do not pay the debt of these people they keep calling for. 

Hang up calls from XXXX, spoofed caller ID numbers as early as XXXX until as late as XXXX. Yes I do have a police report number and some of the calls have been traced by XXXX. 

When we get XXXX illegally run ( illegally due to not following governing laws ) 3rd party old debt collector to stop harassing us about these people whom again we do n't know another one starts calling. 
the process starts all over again as if these unscrupulous debt collectors are working together to harass people. 

The phone number receiving the call is XXXX ... 
The latest calls have been from XXXX. 

XXXX The ROI Companies ( Headquarters ) Phone : ( XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: EQUIFAX, INC.
State: OH
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: Law Office of Harris & Zide
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019 I received correspondence from Harris and Zide regarding an alleged debt. This is an unsubstantiated, alleged debt with XXXX XXXX XXXX, who has now sold/handed over my alleged debt to Harris and Zide without any merit, verification, documentation, etc. There is no debt. I refuse a debt exists. A previous complaint was filed with CFPB against XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: U.S. BANCORP
State: MN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
ATM didn't return my card back and now is impossible to have a replacement because they are not able to find my data in their system. I helped them with the data in the XXXX portal but it is useless for them and calls never resolve the problem.

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 2021-09-15
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX I contacted Wells Fargo to pay my mortgage ahead. I asked the CSR if I could make a payment over the phone to satisfy my mortgage payments through XXXX, with the next payment being due XX/XX/XXXX. She said yes and told me the amount I would need to pay ( {$4700.00} ). I gave her my routing and account number and she debited the payment from my checking account on XX/XX/XXXX. XX/XX/XXXX I received a letter from Wells Fargo stating my loan was past due. I called them and advised them of the payment I made in XXXX to satisfy the bills through the end of the year. The representative I spoke with said she sees the loan should be paid through the end of the year, but the previous agent applied the payment incorrectly. She said she would make the adjustment and open a case to remove the incorrect information they sent to the credit bureaus. Approximately one week later I checked my credit reports and saw it had been corrected. XX/XX/XXXX Wells Fargo again reported incorrect information to the credit bureaus. I disputed the information through the credit bureaus and contacted Wells Fargo. XX/XX/XXXX I spoke with a CSR who said Wells Fargo recently sent a letter to the credit bureaus stating the information they previously reported was correct, but she could see that my account was actually current and not past due, nor had I ever missed any payments in the past. The letter Wells Fargo sent to the credit bureaus was untrue. Wells Fargo has yet to correct their repeated error.

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 2018-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I applied for a job at a car dealership. They wanted to me to get a background check, so I went in and applied for one. The background check company called me back and told me that a XXXX man in Idaho is using my social security number. When I tried to correct the situation and put my information in for a credit report. Its coming up that Im invalid.

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 2018-03-03
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I submitted a previous CFPB compliant against one main financial offering a XXXX settlement and requesting for the Lawsuit against me to be dropped, however a I spoke with a representative from one main financial and she indicated that one main financial had 60 days to give a response and she would note it on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: SANTANDER HOLDINGS USA, 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: Old information reappears or never goes away

Complaint:
I got my car through a Santander Loan on XX/XX/2016. My car was repossessed and resold and purchased by another lender. It says on my credit report the account was closed on XXXX XXXX. As I look on my credit report I see an open account for the amount of {$15000.00} opened XXXX XXXX through XXXX XXXX XXXX with the Original credit name of ( Santander Consumer USA ). Santander was in a class action lawsuit and it was a judgment passed that any derogatory information including late payments or repossessions must be removed from all credit reports and since it is still on my credit report they are violating the UCC code.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
NOTICE AND DEMAND The information that is reporting for the month of XXXX is reporting a late which is incorrect. There is a forbearance plan in place and has been in agreement that has been kept please see attached payment that was made on XX/XX/XXXX which is not a late of a XXXX  day late. This information needs to be deleted and corrected as not late. This erroneous reporting is on Trans Union, XXXX and XXXX and is causing a hardship.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-03
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
They are reporting negative inaccurate information. 

The payment status is incorrect. Says not paying as agreed which is false! I currently have a XXXX card and they would not have let me opened that if this was true. 

The high balance 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 2022-12-14
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:
Equifax ( XXXX ) is reporting these false inquires identity theft fraud on my account please remove of report asap please XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/2022 XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2022 XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2022 XXXX XXXX  XXXX this Address Date of inquiry XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2022 XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2022 XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/2022 XXXX XXXX XXXX Dispute this Address Date XXXX inquiry XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: Summit Financial Corp.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I disputed a debt that was not mine. The company agreed and it was suppose to be removed from my credit report per the response from XXXX  however it is still reporting negatively.

Company response to consumer: Untimely response
Consumer complaint received 2021-11-29
Company: Exeter Finance Corp.
State: DC
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 am very upset with this issue. I sent a letter to the Creditors and Collections agency regarding inaccurate accounts on my report. It is now XXXX days and I have not received a repsonse. I did my research and I am for sure that they have XXXX XXXXays to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Sent a debt collection letter for a toll violation that was appealed due to XXXX XXXX. The debt collection company would not answer the phone and all mailboxes were full. I am willing to pay the {$6.00} toll but not the {$50.00} surcharge as I have XXXX XXXX and sent New York multiple appeals stating as such with my XXXX XXXX   account information. I have attached a copy of my XXXX XXXX tag that is in good standing with the state of New Jersey.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have been a Fifth Third Bank customer for many years. I have a XXXX XXXX XXXX I took advantage of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX approx. XXXX. I had no other balance at the time. I was XXXX in XXXX and my payment was a few days late. I made the payment and called about the {$29.00} late fee which was reversed. However, they are now charging me a default interest rate of close to XXXX XXXX I called XXXX XXXX XXXX and was told that the late payment was the cause. I indicated that I had been an excellent customer with no history of late payments and XXXX XXXX was excessive in this case. I was told nothing could be done. I went to the local branch the same dayto speak with a XXXX who was not in. The teller indicated an email would be sent to a XXXX in the proper department. This was XXXX weeks ago. I heard nothing. I paid the card off on XXXX XXXX, but was charged another {$110.00} representing the XXXX XXXX interest with the entire amount due in XXXX rather than a minimum payment. I think this is just consumer abuse

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I disputed a fraudulent loan taken out in my name with a company called XXXX/XXXX. XXXX is the back that funded the loan for XXXX. After XXXX  investigated, they sent me a letter verifying that my claim was valid. 

The problem is the Bank that funded the loan is still being reported on my credit report. Experian claims that they contacted the Bank and the loan was valid, so the info would remain. I just got off the phone with the bank and they denied that Experian EVER contacted them, and further, they would possess NONE of my personal info. They do however fund XXXX  loans. Experian flat out lied about their investigation results about contacting the bank. I disputed both XXXX  and the XXXX XXXX  reporting. 

When I tried to CALL Experian mostly I got advertisements to join their premium membership and I would have a dedicated person to work through this for only $ XXXX/month. I have YET to speak to a live representative. I have uploaded the letter from XXXX  validating my claim to add as additional info on Experians so called dispute investigation with the Bank. 

It is clear they are not in the business of assisting consumers with fraudulent information and even make up false investigation results as they go. The bank claimed NO ONE at the bank at any level would have confirmed anything.

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 2021-09-02
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
EXPERIAN credit bureau, continues to ignore all proof of claims regarding a dispute for over 6 months now with no response what so ever as well as continuing to report inaccurate information ( FCRA Section 611 Part ( A ) ( 1 ) ). I may presume that no proof of the alleged debt, nor thereof, any such debt, in fact exist. ENGELGARDT v. GRAVENS ( MO ) 281 SW 715,719. I have sent countless registered mailings, made phone calls, and have disputed properly online. In addition, refusing and ignoring proof of claims, to correct my information on all bureaus credit sites. I now am PETITIONING FOR ARBITRATION. As the company continues to falsely report inaccurate information in collusion with these third party credit bureaus and XXXX XXXX XXXX XXXX, as well as trying to collect SAID " DEBT '' with unfair debt collection practices in accordance to 15 USC 1692.

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 2022-12-14
Company: EQUIFAX, INC.
State: SC
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:
I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as collection with a PAST DUE BALANCE of $ {$1100.00} Name : XXXX Account # : XXXX Description : All three Credit Bureaus are showing account in collection with a Past due balance : XXXX show a past due date of {$1100.00}, XXXX Show Past due of {$1100.00} and Equifax show Past due balance of {$1100.00}. Under XXXX XXXX XXXX account must be deleted by Law. 
This is a violation of FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards, By the previsions of the Fair Credit Reporting Act and per the standards of reporting compliance, implemented with the CRSA enacted XXXX XXXX XXXX COMPLIANCE regulations. I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my credit report. 
I await your reply with the above requested proof. Receiving it, I will correspond back with by certified mail. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: Ditech Financial LLC
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
We received a XXXX XXXX from Ditech Financial LLC. for an account that was " settled in full in XXXX '' for an old account. Ditech has stated they sent this form into the IRS and we will need to claim it as income for XXXX. Since the Fair Credit Reporting Act states I need only keep this information for 7 years I no longer have the settlement in full agreement. We have Never had an acct with Ditech

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation