BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-26
Company: EQUIFAX, INC.
State: VA
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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: Emergent Business Group, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from Emergent Servicing which has several negative reviews online so I do not want to call them and request debt validation. The letter says the current creditor is XXXX XXXX, whom I have never heard of or heard from. Emergent Servicing have also been calling and threatening with attempts to deliver documents to my address. This letter is vague and to my knowledge, I no longer have any outstanding debts as I have paid off everything outstanding on my credit report over the past 2 years and have a much better handle on my finances now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX Bank Account # XXXX ; XXXX XXXX XXXX, XXXX Account # XXXX ; XXXX XXXX XXXX, XXXX Account # XXXX ; XXXX XXXX XXXX Account # XXXX ; XXXX Bank XXXX Account # XXXX ; XXXX Bank XXXX Account # XXXX ; XXXX Fed XXXX BK- XXXX An Account # XXXX ; XXXX Bank SS Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-10
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
I paid off a debt in XXXX XXXX 2020 in the amount of {$600.00} and was told it would be reported in 4-6 weeks. I called the debt collector XXXX XXXX XXXX and they said it shows its been paid off but dont know why the bureaus havent reported the paid off status.

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 2020-12-10
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I received a letter in the mail from Synchrony Bank indicating my application was not approved because " Unable to access credit bureau due to freeze or lock '' The agency listed was XXXX XXXX XXXX. 

I have no idea who this company is. I can not contact anyone at the number listed because it is just a recording. The website doesn't provide ANY information on how my info is collected and used to for credit inquiries. I have never contacted this company or any of its aliases to put a lock or freeze on my credit report. They are lying and providing false information to deny consumers access to credit. Most of these individuals are low-income individuals.

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 2022-06-20
Company: Experian Information Solutions Inc.
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:
Fail to investigate properly and Violated my due process right XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter back XX/XX/2022, stating They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; 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. 

They also violated my rights numerous times, and violated my DUE PROCESS RIGHTS ( Due process is the legal requirement that the state must respect all legal rights that are owed to a person. Due process balances the power of law of the land and protects the individual person from it. ) The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 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 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions 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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-05-24
Company: Experian Information Solutions Inc.
State: PA
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:
The bureaus didn't respond to my request about the changes on my accounts.

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 2018-10-30
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Three accounts of mine were closed without warning. My Citi Forward, Dividend, and AAdvantage cards. I suddenly lost my ability to make purchases, and wasn't even given a chance to use these cards.

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 2021-06-02
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I initially had made a purchase from XXXX XXXX in XX/XX/XXXX. Upon getting the products there were issues, so I requested a return label from XXXX XXXX, which they provided via email. I returned the products and received a refund without issue. About a month later XXXX XX/XX/XXXX XXXX, I received a charge to my checking account for the exact amount of the original order, after having already returned the products. I reached out to XXXX XXXX to see what this charge was for, and after speaking to multiple levels of management, no one was able to figure out what it was, or even see the charge on their end. I was advised to reach out to my bank ( TD Bank ) and told that they would be able to resolve it. I reached out to TD customer service, and filed multiple claims on this charge that took my account well into the negative. One after another, they were all getting denied and TD told me to contact XXXX XXXX to resolve this. I then provided TD with proof that XXXX XXXX could not see the transaction on their end, and therefore could not reverse anything. I was reaching out to TD Bank daily to try and resolve this, as I had become late on my bills, rent, living money, etc. but was told time and time again this was XXXX XXXX XXXX issue. After not receiving any help from either side, I visited a TD branch thinking they may be able to help more hands on. That was not the case. After spending 2-3 hours in the branch every time, nothing was resolved. After continuing to call, TD then informed me that they would be shutting down my account and that I could no longer bank with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Experian Information Solutions Inc.
State: NM
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.

The letters are stated with items and issues.

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 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 2021-11-17
Company: Valor Intelligent Processing, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company refused to send me a validation of debt XX/XX/2021 XXXXXXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: AMERICAN HONDA FINANCE CORP
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I have purchased and leased 4 vehicles with Honda Financial and at lease termination I would purchase the vehicle. I sent my monthly payments as contracted and never paid late or missed a payment. As I was now at the end of my 4th lease year, and I decided to make an extra payment. I clearly stated that I wanted the extra payments to go to principle. Honda even made me verfity this with a second phone call. However, I was not given a new amortization chart because of the additional payments. So I thought it was an error. I called the company and was informed that they would not change the interest that I was to pay on the loan even though I paid in in advance. I could however take a month off or miss a payment month. I think that was illegal. To add insult to injury, they acted like I was too XXXX to know what I was talking about. So I requested a supervisor and was told that I had to wait for someone to call me back, and that it could take 24-48 hours..I wanted them to lower the payoff amount by the princple balance, not by they contract interest they prepared 5 years ago/ Isn't that illegal? don't I have the right to get a fair deal? Are they taking advantage of an ederly person? 

When they finally called me back, they informed me that they would record my call, but when I also informed them that I would also record the call, they told me they did not agree and promptly hung up on me. Why? What are they afraid of or lying about?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
On my credit reports there is a closed account with huge amount of missed payments. CAPITAL ONE BANK USA Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAPITAL ONE BANK USA Opened XXXX. XXXX, 2016 has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of 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 2020-12-10
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:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
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 am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

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 2020-12-10
Company: Continental Credit Control
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 information incorrect

Complaint:
Continental Credit Control is reporting a debt for an account that was paid. The initial medical provider changed names four times ; XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX creating confusion & turned the account over to a collection agency. In spite of the account being paid my call to the collection agency, upon receipt of their bill, met with demand for payment + interest in order to delete their credit reporting from my credit bureaus. And I was told if I did not pay the frivolous debt within a couple of hours it would remain on my credit as it would be construed as " Credit Bartering '' if removed at a later date. I did reluctantly pay, to restore my credibility in the credit community, after being assured by XXXX XXXX & her Supervisor " XXXX, '' whom refused his last name, that their reporting would be deleted. I was also told by " XXXX '' that he was deleting the reporting as a courtesy, because of the confusion in billing ( s ) & any refund of over-payment could be obtained from XXXX. This collection account is still on my credit bureaus. This isn't " Credit Bartering '' as claimed would be considered if not paid within hours by Ms. XXXX, nor were their actions courteous as claimed by " XXXX. '' Their actions were tantamount to extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: WESBANCO BANK, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a {$720000.00} mortgage with Wesbanco. I lost my XXXX XXXX during the pandemic and came to an arrangement with Wesbanco to put my mortgage payments on hold for several months. I kept in close contact with the bank and when I resumed payments I was told that I had to make a number of lump sum payments ( between 5-10K ) to account for back payments. When I completed all of those payment I thought my payments would continue as normal. Instead this is the case : 1. I receive dual statements from Wesbanco each month. One says that I owe {$5100.00} and the other says {$6800.00}. Very difficult as a small business owner, single father of XXXX children to budget accordingly. 

2. I have asked Wesbanco employees repeatedly IF the mortgage has increased, why? What would case a 25 % increase in a single year? I was told by one employee that I would be emailed a breakdown- it never arrived? I have been passed around to SIX different Wesbanco employees and no one is able to explain this to me?? All I have been told is that I need to pay Wesbanco nearly {$20000.00} more this year. 

3. I have asked repeatedly why, XXXX XXXX, a contractor that works for a Consumer Workout Group, has to MANUALLY take money from my account each month instead of software like EVERY other bank I deal with. Some months when human error occurs and XXXX takes the mortgage twice it is a real problem for me ( and can not be standard banking practice ). This is clearly a Wesbanco unresolved software issue. 

4. Why do I CONTINUE to wake up to frustrating, distracting emails informing me that I have a FAILED TRANSFER when I have MORE than sufficient funds in my account? Currently I have nearly {$13000.00} in my account yet I received a letter from Wesbanco today threatening to report me to a Credit Bureau because I have insufficient funds to pay the {$6800.00} they are demanding? 

I have tried for many months to resolve this matter. I have sent countless emails, been on the hour for hours and have spoken to more Wesbanco employees than I count. Banking shouldn't be this hard.

Company response to consumer: Closed with explanation