BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-25
Company: WELLS FARGO & COMPANY
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had my car financed through Wells Fargo Auto XXXX. I lost my job but had payment arrangements set up for XX/XX/XXXX. However, on XX/XX/XXXX, the car was repossessed even though I had one extension of payment left. I had never received a Right to Cure from Wells Fargo which is required by law in the state of South Carolina. 
That following Saturday, my father was contacted by an associate calling for the payment. When my father informed the agent that the car was already repossessed, the agent told him the car was not supposed to be repossessed. A week later, a Right to Cure was received giving me 20 days to make my payment to avoid repossession. No correspondence was sent to me regarding the car. I never received notice of my opportunity to reclaim the car or any information on the sale of the vehicle. Sometime back in XXXX, I received the title in the mail for a car I had never been given the opportunity to reclaim. 
On XX/XX/XXXX, I received a check in the mail for {$18.00} from Wells Fargo Auto. 
Today, my father and I both received a 1099-C for debt cancellation they claim occurred on XX/XX/XXXX. This entire ordeal is very upsetting for me. This is an effort to cause me more financial burden by creating taxable consequences for me. Thank you for any assistance or advice you can provide. I plan to seek legal advice on this matter if there are no resolution for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed an disputue off my credit report reguardsing the incorrect information on my credit report. it has been well over 30 days and i havent got any investigation results.

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 2021-09-14
Company: EVERBANK, NATIONAL ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
XX/XX/XXXX tried to rollover money from TIAA to XXXX. TIAA appears to be a Ponzi scheme and refused to complete the rollover. They must have hired XXXX XXXX to run the organization. Refused to return my original paperwork that was submitted. Refused to complete the rollover.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: IL
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:
To whom it may concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only correct date of birth is : XX/XX/1993 I do not wish to have any telephone number on my report. Below are the negative account / accounts impacting my credit. XXXX XXXX XXXX XXXX {$160.00}. XXXX XXXX XXXX {$520.00}. XXXX XXXX XXXX {$500.00}. XXXX XXXX XXXX XXXX {$780.00}. XXXX XXXX XXXX {$2300.00}. XXXX XXXX XXXX XXXX {$0.00}. XXXX XXXX XXXX XXXX {$0.00}.

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 2021-03-22
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TN
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 contacted XXXX and XXXX. I have provided them police reports, identity theft documentation, and written requests to remove invalid medical debt. I am a victim of identity theft. 

I do not live in Florida, and therefore do not have medical debt in Florida. 

Furthermore, I am a 100 % XXXX veteran and all my medical expenses are 100 % covered by the Department of Veterans Affairs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 in need of help from the consumer finance protection bureau regarding a lack of response from Trans Union the credit bureau. In XX/XX/2019 I opened a credit monitoring account after hearing of the XXXX data breach. Upon reviewing my credit monitoring report I discovered a lot of accounts that either did not belong to me or where reporting wrong to my credit. I initiated disputes by mail on or around the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019. I never received a response to these disputes by mail and was not informed of the dispute results or the status of their investigation. Assuming an investigation was ever opened as a result of my numerous dispute attempts in the first place. The accounts I believe to be inaccurate are XXXX XXXX XXXX XXXX {$1200.00}, XXXX XXXX XXXX XXXX XXXX {$900.00}. The accounts that do not belong to me are XXXX XXXX XXXX XXXX {$740.00}, XXXX XXXX XXXX XXXX {$370.00}.

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 2023-10-13
Company: Experian Information Solutions Inc.
State: TX
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 taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. XXXX  XXXX XXXX Balance : {$290.00}.

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 2021-11-17
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
hi XX/XX/XXXXhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer XXXX now im homeless n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Klarna AB
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Klarna is a buy now pay later service. I purchased something from XXXX and we agreed Id pay them {$60.00} a month for 6 months, and theyd earned 24 % interest. 

I returned an item, and the balance was adjusted, but they still want the full 1/6 payment. This means that the purchase will be paid IN FULL IN 3 payments. 

Klarna advertises that its XXXX interest if you pay in 3 payments. 

They are refusing to remove the finance charge and they are refusing to adjust each monthly payment to spread it out over 6 payments as agreed. 

Purchase was for {$360.00} or so, returned a an item, which brought the purchase down to XXXX. 

Klarna customer service said they would spread the payments out, lower each one, over 6 payments, 3 times via customer service chat. 

That hasnt happened, and even when escalated, no one at Klarna responded, they wants me to pay in full in 3 payments. My next payment is {$60.00}, way more than 1/6th of the purchase. 

If Klarna wants me to accelerate payment, I should not be charged interest. If Klarna can spread it out over 6 payments as agreed, I have no problem paying interest if they dont accelerate final repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: First Federal Credit Control, 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: Account status incorrect

Complaint:
On XX/XX/2017 I had an outstanding balance of XXXX On my XXXX XXXX Credit Card. I paid off the full on the card and request that credit card be closed since I already had another XXXX XXXX Credit card. I was in the process of making a purchase about 3 months ago, when it came to my attention that the above mention Credit Card has a one 30 day late on XX/XX/XXXX and two 60 days on XX/XX/XXXX and XX/XX/XXXX. I called the Credit Card several time to try to understand why I was showing any late when I had paid off the account and closed it in XX/XX/2017. No one could not explain the reason why is this reflecting in credit. I called several times to try to get this error clear from my credit report, requested to speak to a supervisor but XXXX XXXX representative leaving me hold for a long time that I had to hang up the phone. 

In regards to First Federal Credit Collection. this is a collection that was paid by my employer because of an injury caused at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I reached out to XXXX XXXX to correct the incorrect report of a missed payment on my loan account. While they assured me that it was a mistake and that they would correct it, the error remains on my credit report. Despite the fact that no payment was missed, this erroneous information has lowered my payment history score from 100 % to 99 % across all three credit bureaus. I am urgently seeking a solution to address this matter and restore my account 's status to " no missed payments, '' thus returning my payment history to a perfect 100 %.

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 2023-07-28
Company: EQUIFAX, INC.
State: NJ
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 requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-29
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX Account number # XXXX, XXXX XXXX XXXX Account number # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written _instructions 15 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 or 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 know or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The Company is PayPal. The issue is the company had changed the due date of the account. The due date was the 8th of every month. They never sent a notice informing that the account was pass due. I Called them and told them the due date was the XXXX of the month. They said we made a change on your due date to the XXXX of the month. I mention when did you make the change. She wasn't able to tell me. I asked How did you notified me of the change she was able to tell me. I asked for a copy of the change She was able to send it to me. the Payment on the statement said due XX/XX/XXXX for {$79.00}. They said they would credit my account {$60.00} .which would live a balance of {$19.00}. She said no you will need to send {$79.00}. The {$60.00} never was credited to my account I did pay the {$79.00}. Now it looks to me they have a cash flow problem and they created an overcharge and they cut my credit line that now the account will get hit with more fees. This was done to me now multiply XXXX by XXXX XXXX customs this is a lot of money they have over charged people.

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 2017-10-06
Company: Riverwalk Financial Corporation
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX is not bonded in the state of texas so im asking that this be removed from all 3 reporting credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
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:
UN-AUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2018-08-04
Company: Risecredit, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I contacted RISE on XX/XX/XXXX by certified mail. I requested verification of the account XXXX. It is being reported incorrectly as included in bankruptcy when I have never been in bankruptcy. 
I received a response XX/XX/XXXX stating " With the information provided on your earlier letter, we have not been able to confirm that we have the correct account identified '' They asked for the following : First and last name with the last 4 digits of my social security number ( which I included ), my entire birth date and the zip code of my home address and complete home number with area code. 
All these items were included which is why I was able to receive their letter! 

I sent another letter XX/XX/XXXX same as the first letter with no response. I also placed a phone call to the following number XXXX on XX/XX/XXXX leaving a message which has not been returned as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: DISCOVER BANK
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX, I was told by a Discover Student Loan supervisor that I must pay a {$200.00} past due amount on my account in order to be considered for forbearance as I do not have a job to reliably pay the loans back. I made the past due payment and then was told to call back in the next 24 hours to discuss the forbearance option. I would call back then to do so but to my unpleasant surprise I was told that I actually needed to have a past due on my account in order to be considered for forbearance or any form of pause to the payments. The agent I was with even shared her confusion with the whole ordeal and said they would file a complaint but I have not had any sort of remedy or at least an explanation as to how this could even occur. I had to wait for my account to get past due again just to have only a 1.5 month pause on payments. Considering I was in contact with a supervisor at the time I made the past due payment, this can not be seen as just a simple and even acceptable mistake. I spent {$200.00} for nothing when I could have used that for other expenses. Please help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: OH
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 have some accounts on my file that are not accurate. I do not have any balances or business with the following companies : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX . I HAVE FILED A COMPLIANT WITH CFPB and the FTC.

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 2023-03-15
Company: EQUIFAX, INC.
State: AR
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 formally submitting this CFPB Complaint to the Credit Bureaus to update the following account in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. The accounts XXXX XXXX XXXX XXXX Opened XXXX. XXXX, 2022 XXXX {$17000.00} appears to be reporting incorrect information : account number, payment status, and date open. I don't believe I was late on the dates you mention. Please update all late reporting on this account and report the payment status as positive.

Company response to consumer: Closed with explanation