BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This deals with a small business checking account. I am President of an XXXX XXXX. The account is not very active. When trying to access the account to make some end of year distributions, I was informed the account was marked 'Inactive ' since no checks have been drawn in almost one year. No notification was given prior to being put into the 'Inactive ' status. The banks policy is then, after one more month, to mark the account as 'Dormant ' and turn the assets over to the state as 'Unclaimed Property '. I find this totally unacceptable. Specifically, to take such actions without attempting to notify of any impending steps. The bank has current contact information -- address, telephone and e-mails. I have regularly logged-in on-line to access the account but this was insufficient to consider the account as active. No attempt to contact was made before taking actions. I have contacted the bank and they confirm that this is their policy. I find this totally unacceptable and counter to the public good. Please note that I also have personal accounts that are very active and accessed via the same user ID and password. Nonetheless, the back never considered these before taking actions.

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 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these ACCOUNTS in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed ACCOUNTS will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-10-02
Company: Bread Financial Holdings, Inc.
State: WV
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 to the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
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: Reporting company used your report improperly

Complaint:
Improper use of credit information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian is not accurately reporting 3 accounts that have been closed this month showing balances that have been paid in full.

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 2022-01-17
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: Account information incorrect

Complaint:
After recently reviewing my credit report I noticed several inconsistencies regarding the account US DEPT OF EDUCATION - XXXX ) in the ( Date Opened : ) & ( Last Reported : ) ( Date Last Active : ) ( Date of Last Payment ) section. XXXX is reporting date XX/XX/XXXX status, XXXX is reporting date XX/XX/XXXX status and TransUnion is reporting XX/XX/XXXX dates can't be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately. Below you will find a screenshot of the account. Account Name :

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 2023-12-05
Company: EQUIFAX, INC.
State: TX
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-19
Company: CREDIT ACCEPTANCE CORPORATION
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: Account information incorrect

Complaint:
I noticed inaccurate information on my consumer credit report. Per the FCRA, I disputed the accuracy of the information with the creditor CREDIT ACCEPTANCE CORP on XXXX information reported is not consistent across all three CRA 's which is a violation of Section 623 ( a ) ( XXXX ) ( B ). I sent a letter by certified mail to the address for CREDIT ACCEPTANCE CORP and requested a electronic receipt for my records. The letter was sign for on XX/XX/XXXX. Per the FCRA, all furnishers of information to CRA 's have a duty to provide notice of dispute in 30 days and update any inaccurate information reported. Section 623 ( a ) ( 1 ), Section 623 ( a ) ( 1 ) ( B ), Section 623 ( a ) ( XXXX ). On XX/XX/XXXX my consumer report did not reflect that I had submitted a dispute in the comments. However, I did notice the remarks were update a month later on two CRA profiles but not all three, which was not within the 30 day timeframe. As of XX/XX/XXXX the information is still not consistent and accurate on all three CRA 's

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 2021-12-16
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted 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 2021-12-16
Company: ATG Credit, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ATG, collected on a debt that was stated sent to them by XXXX XXXX XXXX on a debt that was not owed, ATG verified the account number listed on attached check account number being XXXX, ATG ststed they tried to contact me by email and phone they did not the debt was from XXXX I did not receive anything from them and on XXXX XXXX and it was put on my credit on XXXX XXXX the strange thing about this is there is no way to verify the debt recently the debt or all debt from XXXX XXXX was transferred to ATG this has happened recently, in XX/XX/XXXX i have spoken to XXXX XXXX  and they verified the only amount owed was see attached XXXX, there phone number leaves a recording to contact Atg, i contacted XXXX  XXXX XXXX who ordered the services who also stated i had no debt owed or they did not see anything owed to them from XXXX, still not being able to verify i had to pay the debt to ATG again,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Shellpoint Partners, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
i tried to get the servicer and owner of loan to come to terms about my principal balance seems not to go down when making payments. according to the respa servicer or lender has to correct the error when managing my mortgage payments. i need specific information about the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
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:
XXXX is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.

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 2018-02-09
Company: Ditech Financial LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am over 12 months behind on my mortgage. I have tried calling, emailing, leaving messages ... no one will return my calls or email. ( Ditech financial is the company ). Literally the 2-3 times I have actually gotten to talk to someone they have been rude and no help. One lady even laughed at me while I was on with her because I was so far behind. I bought this home new in XX/XX/XXXX, I have raised my kids here and I owe less than $ XXXX on it and I am going to loose my home because they refuse to work with me. The couple time I spoke with someone they told me that if I could not pay the WHOLE pastdue balance dont bother sending anything at all because they would still foreclose!!?? Really??? who says that!!!! You can go here and read their review and you will find that 95 % of their customers are being treated the same as I am. XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: JPMORGAN CHASE & CO.
State: CA
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:
My name is XXXX ; XXXX XXXX The Agent for principle XXXX XXXX a federally protected consumer, holder in due course, attorney in fact. On XX/XX/2023. An unknown employee of JPMorgan Chase & Co has been reporting negative information onto my consumer report. The negative report says " Charge Off '' and also says " JPMCB CARD has flagged your account as charge-off ''. Please be advised. I am aware This is EXTORION. These actions has negatively affected my credit reputation with other financial institutions. Making almost impossible to live day by day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: EQUIFAX, INC.
State: GA
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On XX/XX/2018 I went to a Toyota dealer to purchase a used car with a low APR. The entire negotiations over price included me requesting a low APR. The dealer and I agreed on a price and before the dealer would allow me to read the contract I was required to pay {$4000.00} deposit. I used my credit card, and the {$4000.00} was charged, then the time was spent switching the plates and registration from my old vehicle and then securing insurance. Finally after hours of negotiating, paying, transferring plates, etc. the dealer finally printed out the Retail Installment contract. I did note that the interest rate was 7.14 % instead of a low APR and I immediately protested. The dealers said that my credit was not worthy enough for the lower APR and that it was too late, I had already paid the {$4000.00} and there was nothing that I could do. There is no reason that I should not have qualified for the advertised lower APR. I should have been told the interest rate was going to be 7.14 % before they took {$4000.00} from me. I felt scammed and angry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: FL
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-19
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I am currently banking with US BANK Ive called several times to remove my overdraft protection & I keep getting over draft fees. Everyone Ive spoke to tells me something different about their overdraft fees and that I am not enrolled in overdraft protection. I have hundreds of dollars in fees for something that I shouldnt have

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 2022-01-17
Company: CURO Intermediate Holdings
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AD ASTRA RECOVERY SERV at XXXX XXXX XXXX XXXX, XXXX, KS XXXX has been sending me collection notices in the amount of ( {$250.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I would like this collection removed from my credit report with all 3 agencys XXXX, XXXX and XXXX immediatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Exeter Finance Corp.
State: VA
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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: DISCOVER BANK
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Contact was made via USPS requesting competent documentation to validate my obligation to the alleged debt pursuant to 15 USC 1692g. Discover has failed to provide adequate documentation to validate the alleged debt. Discover is refusing to allow me to exercise my rights as a consumer and is furthermore causing injury and damage to my reputation by continuing to publicly report this unverified debt via various credit reporting agencies. A cease and desist was sent via USPS informing Discover of my decision to invoke my specified remedy as a federally protected consumer pursuant 15 usc 1692 ( c ) ( 2 ), Discover has continued to communicate with me in regards to the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: Tribal Lending Enterprise, Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
well i didnt realize after making payments to the loan it seems even making payments the finance charges are high almost like 300 $ after 2 weeks its frustrating

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 2022-01-17
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
I talked to a gentleman online in a buying XXXX XXXX XXXX cards forum after listing that I had a alpha edition time vault. He said to get paypal and he would buy it. I opened the account with seller protections and followed all protocol. I received payment that was pending until the buyer received it vis mail. I got it tracking with signature receipt via usps mail. The customer claimed he received a item not as described. He sends it back and before I even receive it at the post office chargeback my funds. I open the package and recorded doing so at the post office and inside was paper and a junk card. He didn't send back my item at all! I have paypal seller protection but because paypal had him send it as item not as listed instead of returned or another filing conveniently it doesn't help? This is insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: Netspend Corporation
State: NC
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I have a account with skylight Im a minor my account got locked because I put in the wrong password three times, Ive called them multiple times sent multiple documents and a lot of them got denied my social and birth certificate did get improved but they still wont unlock my account and Im a minor only XXXX so I dont have any other type of Id.

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 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief