BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
EXPERIAN, XXXXXXXX XXXX  XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX : XXXX -- -> : {$0.00} XXXX XXXX : XXXX -- -> : {$5600.00} XXXX XXXX : XXXX -- -> : {$440.00} XXXX XXXX XXXX : XXXX -- -> : {$530.00} XXXX XXXXXXXX : XXXX -- -> : {$400.00}

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 non-monetary relief
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX : XXXX -- -> : {$0.00} XXXX BANK : XXXX -- -> : {$5600.00} XXXX XXXX : XXXX -- -> : {$440.00} SXXXX XXXX XXXX  : XXXX -- -> : {$530.00} XXXX  XXXX : XXXX -- -> : {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Experian Information Solutions Inc.
State: MD
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 2022-02-22
Company: Bridgecrest Acceptance Corporation
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
the company is taking my payment for my due car note and subtracting fee from it then reporting me to credit breau as late!

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I got a loan from Wells Fargo to purchased XXXX XXXX XXXX at XXXX Of XXXX XXXX, California. 
I paid off early, i suspected they over charge some fee.

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 2022-02-22
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, US dept of ed Account # XXXX, US Dept of ED Account # XXXX, XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, US DEPT OF ED Account # XXXX, US DEPT OF ED Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: ORG GC GP Buyer, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Back in 2013 I had an account with XXXX and I wasn't aware the amount the I owed wasn't paid. I ended up going in collections, and the day I was in collections I had paid the debt off right away, the amount was around {$600.00}. It is currently still showing on my credit report, in which I understand it was my fault by not realizing it wasn't paid in the first place. This i really affecting my credit score, as I am currently in the process of a mortgage. In all fairness I did not receive any letters stating that I owed any money, otherwise I would have paid since I did not have an issue paying the full amount when I realized I was in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Insight Financial, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a invoice dated XX/XX/2023 as well as phone calls from Insight Financial, LLC. that I owed a debt from XXXXXXXX XXXX XXXXXXXX for {$3800.00}. I sent a USPS certified letter to Insight Financial, LLC. on XX/XX/2023 along with all the back up proof that the debt was paid as it was a insurance claim. I have a invoice marked final invoice from XXXX which I paid on XX/XX/2023. I have provided to Insight Financial LLC. all the insurance claim deposits to my account as well as all the invoices and checks I then wrote to XXXX for the same amount to pay each invoice in full. 
Insight Financial has not sent me any written response as I have requested more than an invoice to show me how the payments where accounted for and it has been over thirty days since I requested this. I feel that they are trying to double bill me and take advantage. Please let me know what else you may need from me. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: LendingUSA
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I received this email saying this : XXXX XXXX Thank you for showing your interest in the Loan with us LENDING USA and this is the confirmation Email to let you know that the loan application has been approved Please call us back on our number or reply to this email so that we can call you and explain the terms and condition of this loan. 



Also we have mentioned below the monthly installment plan for the loan of amount from which you can choose any of the following you are comfortable with and you can pay up your loan back with easy monthly installments. 





To know more about monthly installment plans for this loan amount please call us back on the number below. 



Furthermore, we would like to share that once the loan is transferred into your account the first monthly installment will be due within the first 30 days on the date you will give the authorization for. 



For more information you can get back to us on our number given below or reply to us on this email. 



We look forward to hearing from you. 



Please find the attachment. 



Thanks and regards, XXXX XXXX Sr. Loan Officer, LENDING USA XXXX phone number : XXXX ( XXXX ) XXXX XXXX LENDINGUSA So when I called to the main office they said that my loan doesn't exist and to report it because a lot of people are getting scam from this same 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 explanation
Consumer complaint received 2023-11-12
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Paypal sent me a bill for a credit balance that I owe? They sent me a credit for {$10.00} and then turned around and charged me a late fee ( {$12.00} ) for not paying the {$10.00} payment which was more than the original debt. I don't understand how I got the debt in the first place? Paypal has always been paid from my bank account for the monthly charges, i.e. XXXX, etc. You can't make sense out of the debt because you can't be connected to a representative. It's just like a rat maze. I am frustrated beyond belief. Please help 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 non-monetary relief
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was talking with Wells Fargo in 2011 because I got laid off and my payment were behind trying to get help with my loan so they would not foreclose. I kept in touch with them about my loan and payments. I was trying to see if I could get a loan modification and they told me I could but the next thing I know my house was being foreclosed on and I get a call about loan modification but turns out it was not a modification and they ended up taking my house plus by that time I had a job and couldve made my payments and caught up but for what they did it was to late and took my house

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 2022-07-20
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I own a vacation rental property and a man named XXXX XXXX reached out to to me through XXXX and wanted to rent my vacation home. He said his company was paying so he needed to send a check. When I received the check ( from XXXX XXXX, XXXX in XXXX, TN on a Bank of America check ) it was for more than he owed and he asked me to XXXX the difference once the check clears. I electronic deposited it to my checking account at Bank of America, it showed cleared later that day and I sent the difference of {$2200.00} via XXXX to XXXX XXXX at email XXXX, which was also a Bank of America account. A few days later, XXXX said he had to cancel the reservation because his wife got XXXX and asked if I could refund the rest. I sent the remaining {$2200.00} to XXXX XXXX via XXXX at email XXXX which was a XXXX account I think. Several days later, I got a letter in the mail from my bank, Bank of America, notifying me that the original check was fraudulent. I immediately called Bank of America to notify them of entirety of the fraud however, the funds could not be recovered from the XXXX accounts as the accounts had been closed. I feel like Bank of America had multiple opportunities to protect me during this and failed to do so. They should not have allowed me to initially deposit a fraudulent check, it, especially because this was a Bank of America check. Once they were unable to retrieve the funds from the check, they should have notified me in a more timely and urgent manner ( i.e. a phone call, email text message ) than through the mail, which would have prevented me from dispersing those funds through XXXX. Furthermore, one of the accounts that I send the fraudulent funds to was another Bank of America account which gave Bank of America ample opportunity to recognize the fraud/crime and intervene to protect me. I recently met with two agents from the Department of Homeland Security because XXXX XXXX was involved with another fraud case they were investigating and they said that Bank of America should have done more to protect me and should reimburse me the {$3900.00} I have lost.

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 2023-08-28
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX I requested SLS Servicing to update the information correctly on my credit report. They are claiming that a charge off of XXXX was done back in XXXX  but that is not accurate. It was supposed to be a modification of the loan and they went ahead and charged of the loan for only XXXX not XXXX. I need that changed or removed. I am still making payments on this loan so how can it be charged off.

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 2021-05-22
Company: CITIBANK, N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I submitted a prior complaint about Citi Bank withholding my money in the account they closed. I have yet to get my money. It is now XX/XX/2021 and I was supposed to get a check in the mail by XX/XX/2021 as said by the bank. I have not gotten anything! Matter of fact, I just got a balance notification from Citi bank stating my money is STILL in the bank! Im beyond mad at this point because what could you possibly be holding someones money for. I wasnt closed for fraudulent activity at all. Matter of fact, they have NO reason to even hold my money or close that account. Now that the account is closed! Why is my money not in my possession! That account got closed XXXX days ago! This is ridiculous!

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 2023-04-15
Company: Experian Information Solutions Inc.
State: IN
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:
This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no 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 2022-02-22
Company: EQUIFAX, 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:
XXXX XXXX, AC # XXXX, DO:XXXX/2016, Amount {$1200.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: W&A Intermediate Co., LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-19
Company: Earnest Inc.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I submitted and had a student loan consolidation approved by Earnest LLC ( earnest.com ) on XX/XX/2017. They had stated payoff of loans being consolidated would be completed within 7-10 business days. 

They then stated they were experiencing delays, and stated 30 days. Then emailed again and said 60 days. Now XXXX 60 days has past and I have had no pay-off. Interest rates have now risen, so using Earnest is proving to be a costly mistake. 

Any help would be greatly appreciated to get the payoff completed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX, AC # XXXX, DO:XXXX/2016, Amount {$1200.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: WI
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 has someone else name XXXX XXXX, birthday XXXX and addresses on my credit file. I informed Equifax on XX/XX/XXXX about this and asked them to delete this person information and any accounts that is relating to this person from my credit file. Equifax still haven't responded and it's been over 2 months and over 60 days. I sent my driver 's license and electric bill through certified mail with tracking. My ID, electric bill, the letter sent to Equifax and proof I mailed it certified is attached to this complaint to help identify the information and correct my credit file.I need this done asap because this is stopping me from getting approved and stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: NV
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 recently checked my credit report and noticed some accounts that I do not recognize and I have not authorized. I have apparently been a victim of Identity Theft. There are several mistakes and inaccuracies of the spelling of my name. There has also been inaccuracies in the addresses reported on my file. I am demanding these accounts be immediately removed from my credit profile. The items include ; Reported Names : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX XXXXXXXX XXXX XXXX. XXXX XXXX Addresses : XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX XXXX. XXXX XXXX XXXX XXXX, WA, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, CO, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX. XXXX XXXX XXXX, XXXX, CO, XXXX I also have attachments along with this complaint containing the correct information. 

28 USC 1746 Unsworn declarations under penalty of perjury

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
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:
The XXXX XXXX XXXX  being reported on my credit is not mine. I am listed as an authorized user on the account but I have nothing to do with the account and Equifax will not remove me from the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Unauthorized Inquiries : XXXXXXXX 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