BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-24
Company: Cash Express, LLC
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Cash Express withdrew {$1400.00} after my direct deposit had gone through on XX/XX/2019. I called the District Manager,  XXXX who said that there was an overpayment on XX/XX/2019. I told her I was not aware and I called the company and tried to setup an arrangement but they would not give me the {$1400.00} back. I didn't ask for the {$1400.00} to be deposited in error. I couldn't get a refund from XXXX XXXX XXXX or any of the other creditors that took the {$1400.00} when it was applied. I didn't give permission for any money to be taken from my pay card account. There were no calls stating the money was deposited in error or that there was anything owed to Cash Express. There were no letters sent fromXX/XX/2019-XX/XX/2019 to the address on record.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Experian Information Solutions 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:
The credit reporting agencies have been reporting XXXX XXXX  on my credit report. This account is not mine and is a result of identity theft. They are reporting a high balance of {$270.00} and late payments. For one how can a card be reported as a {$200.00} limit but reporting {$270.00} for a high balance. This is a violation on so many levels. This account is not mine and is affecting my credit worthiness keeping me from obtaining credit in order to provide for my family. Not to mention I never authorized the XXXX  to report this account.

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 2022-01-20
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:
The credit reporting agencies have been reporting first progress on my credit report. This account is not mine and is a result of identity theft. They are reporting a high balance of {$270.00} and late payments. For one how can a card be reported as a {$200.00} limit but reporting {$270.00} for a high balance. This is a violation on so many levels. This account is not mine and is affecting my credit worthiness keeping me from obtaining credit in order to provide for my family. Not to mention I never authorized the cra to report this account.

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 2021-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC over accounts XXXX. XXXX, XXXX # XXXX, XXXX XXXX # XXXX, # XXXX, XXXX  XXXX/XXXX # XXXX .XXXX  XXXX/XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , Third-Party Collection Agency unable to validate debt . Other problems have included debt buyers selling with accounts with one creditor and then being collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., XX/XX/XXXX ) ( dispute over who owned the 1/5th of a portfolio that included the debtors account ), or debt buyers attempting to collect monies in excess of the balance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above companies and I request again that Proof of Claim and verification.

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 2022-01-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX shut my deceased spouse account without notifying me. I couldnt use automatic payment. I was the authorized user before he died. XXXX put a bad charge against my credit bc it claimed I didnt pay the debt. Because of his I have a bed credit. Unable to apply for XXXX credit card. They claim to fix it but it will take up to 60 days. This is. It not acceptable When I called in wells said I was supposed to call and follow up after my husband died! What!,

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 2022-01-20
Company: ALLIANT CREDIT UNION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Alliant Credit Union will not refund me GAP insurance refund when my car is paid off. 

XX/XX/XXXX : I purchased the vehicle and financed through the XXXX XXXX XXXX with GAP on the loan. Amount Financed : {$28000.00} XX/XX/XXXX : I refinanced the vehicle through Alliant Credit Union. The XXXX XXXX XXXX gave me the GAP refunds of unused premiums that I was entitled to receive, No problem. Amount Financed : {$27000.00} including the new GAP on Alliant Credit Union Auto Loan. 
XX/XX/XXXX : I refinanced the vehicle through XXXX XXXX XXXX but Alliant Credit Union refuses to give me pro-rated refund for the GAP. The payoff quote for {$25000.00} from Alliant Credit Union was not reduced by any refunds of unused premiums that I am entitled to receive. I called Alliant Credit Union multiple times to obtain the GAP pro-rated refund since I paid off my loan early/refinance but Alliant Credit Union still insists on stating that the GAP is non-refundable regardless of the fact that the loan is paid off early. Alliant Credit Union Loan Department doesn't reply to my emails.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-05
Company: EQUIFAX, 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 is reporting a charge off auto loan on my credit with a balance. 
I have called and repeatedly ask for this debt to be remove, they have not supplied me with an itemized statement or signed loan original paper work. I would like this removed from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I Disputed these Debts a few times with the companies but they still havent removed them from my credit report I sent a few letters in trying to get them taken off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LJ Ross refuse to show validation of the debt they claim I owe them! I have requested validation of any, pertaining to LJ Ross and I in any contract or agreement. I 've written the credit bureaus as well as LJ Ross. Each company refuse to validate the account LJ Ross claim I have with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: Experian Information Solutions Inc.
State: IN
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:
My identity was compromised between XXXX ant XXXX. During this time several inquiries were made on my Experian report. I demand that these items be removed immediately. 

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 2019-05-02
Company: BTH Management
State: IN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received notification on my XXXX credit report that debt was owed ( {$410.00} ). I contacted the company and advised them that the debt did not belong to me and requested information granting them the authority to collect on the debt. I requested proof that the debt is owed to me. XXXX XXXX did not send any documentation ranting them the authority to report this debt in my name, nor did they send anything giving them authority to collect the debt. XXXX XXXX did send a copy of what appears to be an agreement signed by someone. I advised them that this is not proof and it is not my signature and demanded they stop reporting incorrect information on my behalf and cease and desist any further collection efforts. The company then sent me a set of documents to complete. I have advised them that I understand they are attempting to collect a debt and I will not provide them with my personal information due to the fact that I have already advised them that The debt does not belong to me and they did not provide me with proof that it does nor did they produce anything bearing my signature.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: American Credit Acceptance, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I was made aware of a rate change to my car loan in XX/XX/2021 by XXXX XXXX from 18 % to 18.3 %. I immediately called the company and asked why they changed the rate. They assured me that the rate was still 18 % and had not changed. I noticed on my bill that the rate had been removed. During my investigation into the matter I received phone calls from different companies offering to refinance my 18.3 % loan to a lower interest rate. I immediately contacted the company again about the raised interest rate. I was asked how did I know that the interest rate changed. I told them that XXXX XXXX monitors my credit report and they told me. They said that XXXX XXXX doesn't always tell the truth.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XXXX XXXX, 2017 these two accounts were deleted from my credit reports after a dispute I filed on both the accounts. Now both accounts have been added back to my reports without the bureaus giving me the proper notifications that they would be added back which is a violation of FRCA SECTION 611.

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 2019-07-30
Company: TFC Credit Corporation of California
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:
I have a loan with TFC CREDIT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and TFC CREDIT with no successful resolution. XXXX, XXXX, and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Experian Information Solutions Inc.
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: Public record information inaccurate

Complaint:
I've been trying to remove inaccurate information off my credit report

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 2017-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
There was not a more applicable radio button.

TransUnion changed the way they calculate payments for all consumers. Due to their recalculation, my credit score dropped 70 points in 1 month. This is especially impactful because I just got promoted and am supposed to move to Texas but now I fear it will be significantly for difficult and more expensive to do so.

This seems like a drastic, unfair change.

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 2018-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In XX/XX/XXXX I filed a complaint against the Bank of America about not reporting to the credit bureaus that I have a mortgage. This has greatly affected my credit score and the amounts I pay on my credit cards interest rates. My previous complaint number with the CFPB is XXXX. I believe the CFPB closed the file after the response by the B of A. After I read the response by the Bank of Americas employee " XXXX XXXX '' I was greatly concerned about the blatant dishonest statements he made in his response. To be more accurate he blatantly lied to the CFPB. To make it worse he did it in writing. The only thing I have been trying to do is get the B of A to report my mortgage payments to the credit reporting agencies.The B of A 's continual response is I have not reaffirmed my mortgage after my bankruptcy in XX/XX/XXXX. I contacted my bankruptcy attorney XXXX XXXX and asked if this was true. She explained to me that when I modified my mortgage under the Obama plan that I had reaffirmed my mortgage. Her office also explained to me that for some reason the only mortgage holders who refuse or give continual problems to customers about this issue is the B of A. She has told me to contact the B of A to remedy this issue. I have contacted to B of A and the CFPB about this issue and the issue still has not been remedied. In the response to the CFPB dated XX/XX/XXXX " XXXX XXXX '' employee of the Bank of America stated on page 2 paragraph 3 under RESPONSE, XXXX XXXX stated that as of XXXX XXXX that my mortgage was in Default Status. Why would XXXX XXXX make such a dishonest statement. Did this make him feel like a big person, or has the Bank of America gone back to their old ways of doing business by making a home owner feel like they may lose their house by defaulting on their loan when they are not actually in default. At the time of the letter written by XXXX XXXX my house payment was two weeks late not in default status. There is huge difference. Also my mortgage payment was made. I am once again asking that the B of A report my mortgage payments to the credit reporting agencies and investigate why XXXX XXXX would make such a dishonest statement to the CFPB. Federal agencies and the customers of The B of A should all be allowed honest statements and reporting by the Bank of America. Making dishonest statements and not doing what is right only reduces the amount of trust the public and federal agencies have in a institution such as the Bank of America.

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 2022-01-20
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX at XXXX, I received a text message from XXXX stating they were Wells Fargo Security asking " Did you use your debit card ending in XXXX at : XXXX XXXX, {$10.00} Declined, XX/XX/XXXX XXXX XXXX XXXX XXXX  {$15.00} Approved, XX/XX/XXXX XXXX PAYMENT, {$3500.00} Approved, XX/XX/XXXX If you recognize this activity, reply YES If not, reply NO STOP to end text I then replied NO and immediately received a call from XXXX at XXXX from a customer service representative stating she was with Wells Fargo security . Asking me if I made these transaction and I then proceeded to tell her NO. She said she would cancel my debit card immediately and issue me a refund of the XXXX XXXX XXXX XXXX charge. She then said the XXXX PAYMENT XXXX was approved but had not gone through yet and that I needed to reverse the transaction by sending the money back to myself. She sent me a text message from the Wells Fargo number ( XXXX ) at XXXX XXXX with a 6 digit code that I usually receive text messages from Wells Fargo and instructed me to login and give her the 6 digit code. She then told me that the XXXX payment was going to someone named XXXX XXXX and asked did I know them. I stated NO. She said that I'd need to login to XXXX and change my phone number back over to my name and send the money back to myself in which I did. She said to give it 15 minutes and I should see the charge made to my account I did not so I called Wells Fargo back immediately ( XXXX ). They then told me that that wasn't them and that that was a scam and that somehow their number was hijacked. They immediately deactivated my card and filed two claims 1 ) for the approved amount of XXXX at XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX and 2 ) for the fraudulent XXXX transaction of XXXX. The XXXX was refunded but they denied the fraudulent XXXX transaction of 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 2022-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Im writing to Dispute a Billing Error in the full statement balance of {$8000.00} Reasons as follows : Pursuant to 15 U.S.C 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41.

15 U.S. Code 1666d - Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.

18 U.S. Code 8 - Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps.

Im requesting a full refund. The obligation again has already been paid by the United States. Please send check to address on this letter. 


Sincerely, XXXX

Company response to consumer: Closed with explanation