BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-23
Company: Advanced Recovery Systems, Inc.
State: MS
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:
XXXX and Advanced Recovery system has majorly violated my credit report by reporting this inaccurate account. 

This account was deleted from my credit report and re-inserted which is a violation under FCRA 611 part A, 5 B ( ii ) by failing to provide a written notice within 5 days Further more they added this account back and reported a late payment it is impossible for a collection to report a late payment. 

They have also re-aged the date of last activity which should reflect the last date a payment was made. 

Furthermore I have no knowledge of this collection and do not have any agreement with advance recovery system. It is a violation to assume that I owe a debt that hasnt been properly validated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I wrote letters to XXXX, XXXX, and TransUnion. I wanted to dispute the account reporting on my report on the grounds that they do not have the an original copy of the agreement with my signature on it. They sent letters back saying that they did an investigation but never provided original documentation of the agreement. I asked for names of the individuals who were doing the investigation. I have never received and names. I took the time to write and send letters that were notarized with a copy of my identification and SSN. I sent the first letter on XX/XX/2022 the second letter on XX/XX/2022 the third XX/XX/2022 the last letter XX/XX/2022. it cost me {$38.00} everytime to send four sets of letters that were notarized.

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 2021-03-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax Investigation has taken longer than 30 Days No Results for Dispute date XX/XX/2021 Incorrect Reporting Duplicated Accts Affecting Debt utilization and derogatory reporting Called XX/XX/2021 Wants to reinvestigate account they failed to verify and Validate For Child Support enforcement that instead of removing duplicated amount

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was denied credit by XXXX Bank because it said I was deceased. I called the number XXXX listed on letter it was for a XXXX account. I called Equifax and they said I was listed as deceased and asked me for SS number and what credit cards I had balances ext. they said SS office reported me as dead. So I called SS they said they do not have me down as deceased and I am still receiving SS XXXX check. I am worried I gave info to a scammer and also need to fix report that I am deceased. You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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:
This account is paid off but is being reporting in the status area and comments area that it's charged off. I have spoken to 3 individuals at One Main and faxed over letters and screen shots showing what is being reported to the credit agencies. Neither XXXX or One Main will fix this problem. This has been on going for close to a month and half between both organizations. Each placing the blame on one another.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-14
Company: Experian Information Solutions Inc.
State: NC
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:
In XX/XX/XXXX, XXXX XXXX XXXX, Card number XXXX XXXX XXXX XXXX, wrongfully marked a payment as 30 days late. When I dispute the for the record to be corrected, they continuously switch the month disputed between XX/XX/XXXX and XX/XX/XXXX. This makes the claim new over and over again and has been going on for over 7 months.

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 2022-09-20
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:
I recently ordered my consumer credit file from XXXX, Experian and XXXX and notice these late payments with XXXX XXXX XXXX # XXXX. I am requesting all be removed from my file this finding has caused stress, my credit utilization to increase which ultimately has caused a low XXXXredit score and credit denials along with higher interest rates. 15 USC 1666 Does not include Late Payments. Please remember 15 USC 1681 ( b ), & 15 USC 6802. I have a right to privacy and I never gave any of the credit reporting agencies permission to furnish a report on me in the first place. The line of credit that I have with your company, which is characterized as utilization on my consumer report. Your company is illegally reporting this experience i.e. my utilization. On my credit report. Your company is in clear violation of the law pursuant to 15 USC section 1681 2 ( a ) ( i ) -exclusions except as provided in paragraph three, consumer report does not include a subject to section 1681S - 3 -of this title any ( i ) Report containing information solely as two transactions are experiences between the consumer and the person making the report. The law clearly states transactions or experience between the consumer which is myself and you the comp corporation making the report are not included on my consumer report. Utilization is an experience with the line of credit that was extended between the Consumer and me the person. Congress clearly states that the reporting transactions are experience between the consumer and the person making the report is not to be included on internal reports. My privacy rights has been violated and I have been denied credit due to your reporting of late payments and utilization.

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 2018-12-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I called The Office of Consumer Affairs and requested to speak with XXXX XXXX as she is the dedicated person that I used to deal with but failed to return any calls and no one is now able to reach her if she is in. I spoke with another rude representative who initiated a Dispute for me over the phone as I currently do not have online access to my own credit file which needs to be fixed. I get tired of having to call in and deal with rude people. 

Sadly, I also had another account that Equifax reported on the account longer than it should have been and XXXX XXXX was the only one willing to resolve that for me after years. 

I disputed a Collection Account ( XXXX XXXX ) which needs to be removed from my credit file as it already has been from other Credit Reporting Companies. Equifax has a history of keeping things on my credit file for longer than they should be as they have done so with Three reaged XXXX XXXX XXXX as well. Equifax is the only bureau holding on to these accounts. I received a notification via email that one of my investigations had been completed. However, I am not able to view the results, nor have I received results in the mail. My online access needs to be resolved. My file also needs to be removed from Consumer Affairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has 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 719XXXX has me at a score around 590. 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 XXXX  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 Transunion. 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 XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-01-23
Company: ENOVA INTERNATIONAL, INC.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
Dear XXXX, Account # : XXXX Thank you for your recent ACH Payment on loan XXXX. Your payment of {$100.00}, which is effective on Friday, XX/XX/2022, will be applied to the balance of your loan. While the ach payment has been initiated, it has not yet cleared. If your payment does not clear, the payment that was posted to your account will be removed and you will continue to owe the {$100.00}. 

If you have any questions or concerns, our Customer Support Team is available Monday Friday, XXXX XXXX CT and Saturday Sunday, XXXX XXXX CT at ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX is a fraudulent business with no identifiable contact information and/or address. I sent a letter to them disputing the validity of an account which was returned to me indicating the address was vacant. I then disputed the validity of this debt with Transunion and demanded that I be provided with original documentation indicating ownership of this debt. Transunion closed the dispute indicating the information was accurate, however, I was never provided with the necessary documentation such as master promissory note or original loan documents. I have yet to be provided with anything, however, Transunion closed the dispute anyway, thus this needs to be removed from my credit report immediately.

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 2017-07-31
Company: U.S. BANCORP
State: CA
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 tried to open checkings account but I was denied do to a false statement by us bank

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 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
TO WHOM IT MAY CONCERN : I am writing to delete the following information on 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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 2021-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2014, I XXXX XXXX was engaged in a specific extension of credit with Capital One Bank. Capital One would send me statements stating that I owed a debt which included phone calls and emails that stated that this was an attempt to collect a debt and any information would be used for that purpose. This is a violation according to15 U.S. Code 1692d ( 2 ), ( 5 ) - Harassment or abuse. A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. I also submitted and affidavit of truth to Capital One in which they did not respond. Capital One then caused adverse action by closing my account yet requesting me to pay the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: Colony Brands, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contested a XXXX dollar bill with the company Swiss Colony in XX/XX/XXXX. On XX/XX/XXXX 2017 They  responded with two letters stating that the account does not belong to me and that they have contacted the credit reporting agencies to have this account removed. In the process of getting a mortgage the collection account is still showing in XXXX, I have submitted letters two XXXX and call them and was told that when they call Swiss Colony there computer still showing the account as belonging to me Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: SANTANDER HOLDINGS USA, INC.
State: AL
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:
My identity was stolen I did an form with identitytheft.gov I have the PDF multiple accounts was open in my name with credit cards and auto loans and multiple hard inquiries that I didnt authorize my wallet was stolen with all my identity information like social security card and driver licenses and more also there are multiple addresses and employment information and phone numbers on my credit report thats not mines everything is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was purchasing shoes service from PayPal and I send it through friend and family instead of good and service. So PayPal say they cant do anything about that. It was on XX/XX/2023. The amount was XXXX. I did report through PayPal and they cant do anything. I was scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-28
Company: U.S. BANCORP
State: WA
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:
One of my credit monitoring services reported a new inquiry on XXXX from : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX This was not requested by me or approved by me and did not appear on any other other bureaus ( XXXX, XXXX ). A few weeks prior I had another alert about an inquiry from : XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX Which was similarly not me. I was able to contact the latter and they called XXXX and removed the query and reported fraud. I have been unable to contact the former one, as the phone number provided appears to be mine, not theirs. 

I called XXXX and they said that I needed to mail them a letter requesting removal of this query, along with a copy of my ID and a FTC report. I am filling this out to get an FTC report and I sure hope it is the right form. 

I put credit freezes and fraud alerts across all three credit bureaus.

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 2023-03-14
Company: GOLDMAN SACHS BANK USA
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I made my payment on my apple card through the apple wallet. However there appeared to be an issue with processing the payment on Apples side as it didnt post until the next day which charged interest. I called and spoke to XXXX on XXXX who is a supervisor who opened a dispute on XXXX the dispute was resolved in my favor and the interest was credited back. However in doing so the company Cancelled the payment and did a manual credit in doing so they placed a hold on the payment until XX/XX/XXXX I called again on XXXX and spoke to XXXX another supervisor at apple who agreed that the payment should not be held as the already hold the funds and it was just a simple back dating of the payment. He advised that he would escalate this up to the customer advocacy team and that I should have a call back later that day. I have called every day since the XXXX and continue to get a different answer every time. Meanwhile my payment is on hold and I have no use of my card and its causing my autopay 's to be rejected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
The amount paid was not applied properly to the loan at times throughout the loan.

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 2023-03-28
Company: WELLS FARGO & COMPANY
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:
A handful of accounts showing up on my credit report that are not mine on Wells Fargo XXXX score and XXXX. 
XXXX credit card with {$700.00} balance XXXXXXXX XXXX XXXXXXXX card with {$0.00} balance XXXX car loan {$23000.00} balance XXXX XXXXXXXX XXXX  {$9600.00} balance XXXX student loan {$61000.00} balance XXXX XXXX {$260000.00} balance

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 2021-03-09
Company: Experian Information Solutions Inc.
State: IL
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:
This account was included in my bankruptcy from 2018 and enclosed is the bankruptcy paper as well as how it is reporting on my report it is showing as a collection which is incorrect

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