BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent 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 explanation
Consumer complaint received 2020-12-14
Company: RIA FINANCIAL
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX and XXXX of 2020 a particular individual whom I know charged money fraudulently to my debit card, by utilizing Walmart to Walmart. This individual may have been responsible for several other Walmart to Walmart transactions as well as XXXX  transactions that were not authorized by myself. withdrew money several times for amounts totaling over XXXX. She then sent a payment to an individual out of town, by using XXXX to XXXX on XXXX XXXX XXXX at XXXX XXXX, located in XXXX Texas. XXXX  charges were also charged to my debit card. All these charges were acquired on XX/XX/XXXX and XXXX of 2020. I currently collect unemployment. I have had to dispute several transactions behind this/these fraudulent individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Im a XXXX year old who has been sued by Asset Acceptance LLC for a {$300.00} credit card that was paid off in XXXX. The company had already taken over {$6000.00} and the judge told me that if I filed another complaint against the company, Id be thrown in jail! I do not owe this company. Theyve taken over {$10000.00} from me. Over {$800.00} was taken out of my account today, XX/XX/XXXX. My taxes, bill money, and social security has been taken by this company. I have no one to turn to and Im behind on bills and about to be thrown out of my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have XXXX and was informed of several attempts to open bank accounts/credit cards and through a three way call with XXXX and perspective institutions we were able to close all accounts. Yea I'm so happy! Then I pull my credit report and find several inquires/medical collection most ones we have already closed exception of two medical collections that was never mine in the first place. I called XXXX gave then my Security Pin for my freeze account and was asked several questions that i passed except for what was the last date you notified XXXX month/date/year. Now I never thought in a million years that when I placed a freeze that I would also have to document the date/time/year of my exchange. Now I am caught in a position that the only way to remove something off my credit report is to contact your organization. I explained to the person at XXXX  that I answered all question even giving a round about year of last conversation. Also, stated I find it funny how easy it is to create fraud but can not take information off of credit report. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ending in XXXX and XXXX Medical XX/XX/XXXX reported XXXX XXXX Collections {$1900.00} ( Not My Account ) Medical XX/XX/XXXX reported XX/XX/XXXX Collections {$210.00} ( Not My Account ) Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 just received a copy of my credit report and I noticed these hard inquiries are fraudulent. Soonest I finished reading my report I went to my transunion account and lock my credit report to avoid these things from happening again. 


XXXX/XXXX XX/XX/2020 XXXX/XXXX XX/XX/2020

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 2021-05-01
Company: ENOVA INTERNATIONAL, INC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I logged into the netcredit.com webpage to process my payment earlier than the due date, on XX/XX/XXXX. I scheduled a single payment with the company, and they processed that payment two times. I saw this on Saturday morning and reached out to the company and was on hold for over 40 minutes and then I was disconnected. When I attempted to call back it was no longer during their business hours.. this caused a financial impact to my personal bank account as I was not prepared to make a double payment nor did I request it. Company is not able to be reached by phone

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have had ongoing issues with this company. First I had close to XXXX worth of fraud charges done in 8 separate transactions on my card XX/XX/20. I immediately called and had the card locked. In another complaint Ive issued they had done ever provisional credit incorrect and I had to call countless times to get them to fix. Finally those were put on my card. On XX/XX/20 I get an email stating Ive withdrawn one of the disputes in these fraud charges of {$190.00} and since I have withdrawn it would be in favor of merchant and it was put back on my card. I NEVER withdrew. I immediately called when receiving that email and they said of course I didnt they would issue the dispute again. They have not and it is still on my card. Payment is in 4 days and it will hit my perfect credit history. Attached is all of these transactions and the total about from this merchant. Adding all together and subtracting the XXXX they have taken out they have not given me back full correction adjustments. I have yet to receive a call back from their escalation team and complaint department that I was assured would be calling me because of how many things Ive had to go through and beg to fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: WELLS FARGO & COMPANY
State: CA
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:
Complaint against Wells Fargo Credit Card services Credit card # XXXX  Primary card holder : XXXX XXXX XXXX ; Authorized user : XXXX XXXX XXXX  We were impacted by the FEMA declared Natural Disasters that struck XXXX, CA. My wife and I both work for schools and were unable to work for 7 weeks because of fires and then the debris flow closed US highway XXXX. I spoke with XXXX XXXX in the Wells Fargo Executive Office on XX/XX/XXXX and begged him for a 3-month temporary hardship deferment so that we could recover from the devastating wild fire and debris flow that crippled XXXX and XXXX XXXX, CA. XXXX XXXX promised me that he would waive the late fees and interest charges for 3 months ; XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. ( Wells Fargo claim # XXXX  ).

Wells Fargo LIED AGAIN! They DID charge us late fees and interest 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 monetary relief
Consumer complaint received 2018-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XX/XX/2017 TransUnion XXXX XXXX Finance XX/XX/2017 TransUnion XXXX XXXX Automotive XX/XX/2017 TransUnion XXXX XXXX Bank XX/XX/2017 TransUnion XXXX XXXX Finance XX/XX/2017 TransUnion XXXX Bank XX/XX/2017 TransUnion

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 2021-02-22
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
On or about XX/XX/XXXX I disputed an item on my credit report as this account did not belong to me. I requested for the credit reporting agency and the debt collector to validate this debt since it was not mine. I received notice from Portfolio Recovery Associates LLC dated XX/XX/XXXX regarding the disputed account confirming they were reporting correct data and attached a monthly billing statement for the account from the year XXXX. The monthly billing statement ( s ) also list an address that I have never been associated with. There response has not resolved the matter nor does it comply with my request for validation. Furthermore the items remain on my credit still reporting negative. Portfolio Recovery Associates LLC has failed to fully investigate this account to ensure it was legally opened by me. REF # XXXX / ACCT # ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have two loans with Firstmark Services. For years I have paid the two loans separately, as one has a small balance and the other is more than XXXX times that balance. 

On XX/XX/19, I paid {$200.00} to one of the loans ( the 'intended '' loan ). Instead of applying it to that loan, they applied a portion to that loan and another portion to the other loan. This caused the intended loan to appear delinquent. The smaller loan is always paid 1 payment ahead and neither loan was delinquent at the time of the payment. 

I had to email the company multiple times and I had to call them. The person on the phone said that they saw in their system that their were instructions to apply the payment specifically to the larger ( intended ) loan, but that the payment was not applied correctly. 

The person advised they would attempt to have it corrected. The daily interest on this loan is {$11.00}. To date, this error has cost me {$130.00} ( 11 days of interest ). Additionally, I had to make another payment so that this loan would not appear delinquent. I suspect that the company will also incorrectly report me to the credit bureaus. I will file complaints with those bureaus as well. 

Assuming they correct my loans, had I not been watching them like a hawk, they would have taken hundreds of dollars from me and ruined my credit. I know your organization faces obstacles in watching student loan servicers, but it is essential to have someone on the side of the consumer against these large, callous, greedy companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
THE XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

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 2018-04-18
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: Public record information inaccurate

Complaint:
XX/XX/XXXX: A letter/dispute was sent to all 3 credit bureaus requesting removal of discharged bankruptcy for failure to validate and provide proof of individuals where information was given from because US Bankruptcy Courts advised in writing that they do not provide information to Credit Reporting Agencies.

XX/XX/XXXX A letter in writing was sent requesting deletion/removal of this account, to no avail. I received a follow-up stating verified, no change ; with no validation or verifiable proof.XX/XX/XXXX : A phone call was place by myself, the consumer and I spoke with a CSR and Supervisor, who both advised me that they were not able to remove/delete this negative remark from my credit report because of FCRA states up to 10 year law, but could not provide me with information of how they were able to validate this information as requested in previous mailings. I also explained to them that it was not listed on another one of my credit reports and I could furnish a copy and that meant nothing

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 2020-08-24
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
My application was denied because it said that I was in a relief program and that is not true. I am not in any deferral program and have been on time with all my payments and never been late. This is not fair and I am willing to go to my Attorney General to get this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: EQUIFAX, INC.
State: SC
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:
Please delete All DeptedXXXX  student loan accounts They are all pass the 7 year mark and still reporting Inaccurate payments This is a Violation please delete from credit report Please DELETED all 6 DeptedXXXX students loan from my credit report. It's been reporting pass 7 years and Inaccurate payment

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
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: Information belongs to someone else

Complaint:
cra inaccurate information ftc violation pr report sent

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 2020-12-14
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I've been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: ALLY FINANCIAL INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The primary borrow filed chapter XXXX bankruptcy and didn't tell me he was doing so. The vehicle was included in his bankruptcy but the financial institution is still reporting 2 years after the bankruptcy that I owe the full amount. I have called the company and they have XXXX records for me. It has been transferred to their asset recovery division but repeated attempts to contact them fail and they say they are closed.

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 2020-12-14
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX payments needs some significant regulatory action. They should be liable for Reg E liability and not banks. Financial Institutions have no control over and can not protect people the way the app creators can.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I sold the car leased from XXXX to third party, XXXX on XX/XX/20. XXXX delivered the lease payoff amount of XXXX on XX/XX/20 ( XXXX tracking # XXXX ) at XXXX XXXX XXXX, XXXX. 
c/o Lockbox # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. The check was cleared on XX/XX/20. However, my lease account has not been credited and paid off. 

I called Acura Financial services on XX/XX/20 and was told that the payment was applied to the wrong account. It would take 48 hours to resolve it. I called back on XX/XX/20 and found out that it would take four business days to resolve it. As of XX/XX/20, this has not been resolved. It takes a lot of time to get a hold of customer service rep and my payment needs to be backdated to XX/XX/20 and refund my overpayment. I made one payment due on XX/XX/20 to avoid negative credit reporting. Please resolve this issue as soon as possible. My Acura lease billing statement is attached for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-26
Company: Experian Information Solutions Inc.
State: WI
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 Letter was sent the the XXXX XXXX XXXX XXXX on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : Account # To whom it may concern : I recently disputed with all three ( 3 ) credit reporting agencies the accuracy of reporting on these accounts, and the results came back either " verified '' or " updated ''. There are several inaccuracies across all three credit reporting agencies. 

This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have reported to my credit file. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this Notice of Direct dispute includes : XXXX XXXX XXXX XXXX as shown on my Credit Reports ( attached ), is showing incorrect information. 

Basis for dispute : 1. You verified Terms as " {$0.00} Single Payment '' on XXXX and XXXX  2. You verified High Balance as "  {$2000.00} '', on all account beginning in XXXX, which is not correct 3.  You verified High Balance as " {$4400.00} '', on all account beginning in XXXX, which is not correct 4. You verified account status as " Transferred, closed '' 5. Date of Status hasn't been updated since XX/XX/XXXX on XXXX 6. Date of Status hasn't been updated since XX/XX/XXXX on XXXX 7. Actual Payment Amount is {$0.00} on XXXX and Experian 8. Actual Payment Amount is thousands of dollars off on all accounts on XXXX compared to High Credit 9. Account Status on Transunion and XXXX is " Collection '' not " Paid as Agreed '' 10. Account Status of " Collection '' starts onXX/XX/XXXX on XXXX, I was still in school. 

Supporting evidence : Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4, you are required to review the information that has been provided to you to complete your investigation of this Direct Dispute within 30-days of this notice. I demand a written response from the competent authority in your organization no later than XX/XX/XXXX to my address of records. 

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file.

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