BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-15
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
RE EQUIFAX : 1 ] THEY DO NOT ANSWER THEIR PHONES.
2 ] THE ONLINE SECURITY FREEZE IS " UNAVAILABLE '' 3 ] THE ONLINE 90 FRAUD ALERT IS " UNAVAILABLE ''.
4 ] NOBODY IS HOME, AND MEANWHILE WE ARE ALL AT HUGE RISK THESE CREDIT COMPANIES COMPANIES ARE PROFITEERING FROM OUR MOST PERSONAL AND PRIVATE INFORMATION. WE, AS CITIZENS, HAVE NEVER GIVEN THEM PERMISSION TO DO SO! 

THIS IS THE ONLY COUNTRY IN THE WESTERN WORLD USING THIS PRECARIOUS SYSTEM. XXXX ONLY USES ONE 'S  PERSONAL CREDIT CARD AND BANKING INFORMATION - NOT FOR SALE, NOT FOR GENERAL PUBLICATION, NOTHING TO HACK INTO. 

THIS SYSTEM MUST BE DONE AWAY WITH, AND THESE PEOPLE PUT AWAY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: WELLS FARGO & COMPANY
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: Investigation took more than 30 days

Complaint:
Wells Fargo continues to inaccurately report my HELOC account XXXX. My unit was sold, and the only amount owed was the small Wells Fargo HELOC, which closed out XX/XX/XXXX. Today is XX/XX/2018, and Wells Fargo still shows an account open in my name and social security number, with a balance of {$17000.00}. Please note, Wells Fargo 's egregious errors with this account have led to damage of my credit, delayed sale of my property and undue burden and Hardship for me, a XXXX individual. 

Closing statement with attorney proof attached.

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 2021-01-27
Company: TD BANK US HOLDING COMPANY
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Savings account holder died in Florida. Executor of estate is not in Florida ( nor on the XXXX XXXX where all TD bank branches are located ). Deceased account holder had a minor savings account of {$58000.00}. TD Bank refuses to allow executor to send original death certificate and authorization of executor by mail. TD Bank insists executor must show up in person ( i.e., fly across the country during a global pandemic ) or hire third party agent to close account and distribute savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX  continues to report inaccurate information on my credit report. The date of last payment is listed as XX/XX/XXXX on both XXXX and Experian reports on my XXXX report it reflects the correct date of XX/XX/XXXX I believe this was done to re-age my account! I have disputed this through the CB several times.

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 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
my personal information was used by an unknown person and i can not understand how they get a hold on my information, i am certain i did not authorized any of it. i am filling a report requesting that all listed debt that does not belong to me be blocked and removed indefinitely from 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 2022-01-06
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:
I did not consent to, authorize, nor benefit from any of the following inquiries. Block and remove them from my consumer report : 1. Equifax Mortgage Services 2. XXXX 3. XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX Pursuant to 15 USC 6802, this is a demand, not a request. Federal law supersedes Equifax 's company policy. 15 USC 1681c-2 establishes what, I, the consumer must provide you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I am once again ( 2nd time )  requesting that the following accounts be verified or deleted immediately. Please Provide Me Physical Verification of the following accounts. 

XXXX XXXX  XXXX Account Number : XXXX XXXX/XXXX   Account Number : XXXX XXXX XXXX  Account Number : 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 2019-02-27
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Lobel Financial auto loma has been harassing me my family members and friends calling my job everyday giving them different names for me to call them back about a auto loan I didnt pay telling my employers why they are calling to collect a debt after I told them not to call I never gave permission for them to contact my job or my reference ... they sending me court papers stating they are suing me for the amount owed and will garnish my wages if not paid I never received a court paper to appear in court. When I called to ask they said they would send me to the legal department and I told them I didnt k ow I was being sued I didnt receive any papers and the legal team told me to pay up or they will Sees my assets and garnish my wage Im so confused on what to do

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Hello, 4, 30 day lates appear against my credit report, with transunion, XXXX  and XXXX  which is inaccurate. All payments are due within the same month to prevent 30 day lates from appearing. 

Once payments are made, proof of payment email is provided. All showing payments made within same month, and not 30 days late. 

Their decision to report is very inconsistent. And unfair to consumers. 

Payments for XX/XX/XXXX was made in XXXX. XXXX payment was made in XXXX. The same for XXXX and XX/XX/XXXX. I have attempted to resolve with the organization however continue to receive the runaround. One person said email my concerns. I did, another said fax. Another said no, you have to mail. Ive done all 3 now and have had no resolve. I have offered to share proof of payments Ive received from their automated system after a payment is made to show its within the 30 days/same month. 

For example XX/XX/XXXX payment was made XX/XX/XXXX. How is this a 30 day late? 

This is heavily affecting my credit and preventing me from purchasing a new home. I ask that they review what I have received from them showing my payments are made within the same month. When you pay your mortgage the next month that is when the 30 day is charged against you. That is not the case in my situation.

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 2018-03-29
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I am requesting assistance and intervention to resolve what I consider illegal business practice involving a recent vehicle lease. Evaluation of documentation might help reveal any one or more of the following possible violations of consumer law. Misrepresentation, Fraud, Unethical / Deceptive Business Practice, Concealment and at least, obvious violation of Truth-in-Lending Laws.

XXXX XXXX XXXX ( World Omni ) approved numbers for an auto lease where a payment obligation exceeds total monthly income. Did XXXX  hide the source of a conjured {$4000.00} from the main lender presenting it as cash to contract to offset customer low income level in order to get loan approval?

If the financing had been disclosed openly and in a legal manner I would have refused the deal and walked away. XXXX XXXX   knew this and proceeded in their best interest to hide the true terms of the contract agreement. At an initial point in the contact process I made full disclosure of my income being limited to SSI of {$490.00} per month and inability to come up with any down payment. I reside in a XXXX   county Section-8 rent subsidized unit.

The monthly obligation was shown as {$380.00} paid to XXXX XXXX XXXX ( Acct : XXXX ) only. As required I have made the required payments of {$380.00} to XXXX XXXX XXXX. Until, after months had passed, a billing from a XXXX XXXX started showing up asking payment of {$40.00} per month which quickly increased to {$110.00} on a balance of {$4000.00} the exact figure shown as the down.

This sleight of hand salesmanship now presents a monthly obligation of {$380.00} plus {$110.00}, a total of {$500.00} payable from my {$490.00} monthly SSI benefit. All documents as referred to herein and the entire " brief '' are available for review. These would have to be sent regular mail only as the cost of scan to file and emailing is cost prohibitive.

Attached is full description of the circumstance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX, I phone Sam 's Club Mastercard to close my credit card account. At that time, I was not informed that I needed to submit any follow up written letter to close the account. I assumed that the account was closed much like when you lose a credit card. 
Later that year, on the anniversary of my membership, I received a credit card statement with a membership fee of {$100.00}. I assumed that it was in error and ignored subsequent statements because I wasn't renewing the membership. 
In XXXX of XXXX, I received a letter from Synchrony Bank stating that my Sam 's Club Mastercard was in arrears. I contacted XXXX XXXX XXXX to protest and stated that I wasn't going to pay the charge as I didn't want a membership. They stated that I had to have proof that I had called Sam 's Club Mastercard to close the account. This is proof I do not have. 
In XX/XX/XXXX, I wrote XXXX XXXX XXXX asking that they resolve the matter and erase the debt. XX/XX/XXXX, I received a letter from XXXX XXXX XXXX saying that without proof of my closing the account, nothing can be done. 
I am appealing to you for 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 2019-11-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I received a call from my Human resource officer, that I need to call XXXX XXXX XXXX XXXX XXXX, regarding a summons. I called them and they said that I owed a debt from, XXXX, their words, not mine. I then asked for proof of the owed debt, the gentleman named XXXX, then told me that I would be served at my work. I then asked him to serve me at my home address and he refused, and threatened me saying that I would be served at work. He then told me all of my personal information like my SSN, DOB, and wife 's name. Almost like he was trying to claim he had too much information on me, so that I would comply. He then threatened to call my wife 's work and serve her with a summons.

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 2017-08-10
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Over the past several months i have been disputing this account and they keep saying that it is verified through the credit bureaus. I 've sent letters directly to the Creditor and the bureaus and the only thing i 've recieved back from the company is a bill from a doctors office that does not belong to me and a address that i 've never lived at before.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am finishing up a XXXX XXXX, ten years after completing my XXXX XXXX. I financed my education entirely through student loans, but made regular payments on them as much as I could between degrees while I worked full time. My loan company is currently billing me while I am in school and said my first payment is due two days after I graduate. I explained that I am a XXXX XXXX XXXX and not working I plan to immediately find a job after I graduate, but did not expect to be getting bills while I was still in school. I asked what my options were, they give me vague answers only and refer me to deferment options I dont qualify for. They take several days to respond to my emails, its never the same person answering them, and they dont answer all my questions. I want to get everything from them in writing because they have given me false information in the past. I dont know if its legal for them to be billing me while still in school, even if my first payment is due two days after I graduate. I havent even completed my exit counseling yet. I asked if they could defer the billing cycle for just one month, because it would make all the difference to me and none to them, and I made regular payments for years, and they did not answer my question or acknowledge my request. They only give automatic sounding responses to my emails and wont answer my specific questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Experian Information Solutions Inc.
State: GA
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:
Dear Creditor, I am submitting this letter because I need to have my account updated as it is being affected by LATE CHARGES. I lost my job in XX/XX/2017 and was able to keep my payments up-to-date for over an entire year. I contacted you all multiple times for help but was not told about the modification program until I was already months behind. However, I was approved and given a modification to pay XXXX per month for 12 months. Those payments were made on time. 

I have late payments for multiple months on my XXXX, Experian, and XXXX  accounts. I was approved for the modification and it was paid ON-TIME so I am unsure why my account is still appearing negatively. I want to stay with XXXX XXXX, however, if this situation isnt rectified, then I will be forced to close my account and pay it off. 

Please assist me with updating my account so that it may include on-time payments.

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 2018-03-29
Company: Oracle Financial Group LLC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I received a call from a person called XXXX XXXX from Oracle saying that there is a matter with XXXX County regarding some serious allegations involving my social and date of birth. They need to hear from me or my legal representation immediately and failure to do so may result in further action with or without my consent and may also involve references I placed on file and may forfeit my right to speak on my behalf. I called this person and he told me that it was a debt that I had with Indigo credit card for {$580.00} and that they were suing if I did not pay immediately. They had my old address but my correct email and I asked for them to send me a letter in the email so that I can see how I canopy and he refused to do so and spoke to me in a very nasty and threatening way and hung up on. I contacted XXXX directly they told me the account had been charged off and that they could not update my address and told me that they would contact a manager at Oracle. I spoke to another person that was also very nasty and also refused to send me anything if I wasn't paying today. Telling me that it wasn't how I wanted to pay but how they needed me to pay. What is this? I have not committed any crime. I am not refusing to pay but I do not need to be treated this way.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hi, I called today at noon with a question of deposit a check with my former name. The customer rep asked me 6 questions to authenticate my identity, from which I may missed out one or two. The phone hung up then I called again with a similar process, this time, she asked me more questions with no disclosure the purpose of these process. In the end, I spoke to a supervisor for my unsolved question. I spoke to XXXX and verified my account. Then I discovered my account was locked and could not be resumed. The account technician called me back later in the afternoon with 12 questions, and lastly he said I had a security question, which he could not read clearly. He insisted my account remained locked. This is unbelievable - I have my paycheck and stock trading with this account, over 20K assets in there. THIS IS A SCAM. I am looking for cfpb to step in and resume my lose.

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 2018-11-16
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: Public record information inaccurate

Complaint:
Chapter XXXX bankruptcy is invalidly reporting on credit bureaus have contact them to get it removed and all three major credit bureaus refuse to remove it. Along with bankruptcy the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX these are not my accounts they are on my report as a result from ID Theft ; credit agencies also have copy of police report and ID Theft Report # : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: EQUIFAX, INC.
State: AZ
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, I have read that Republicans wish to reward EQUIFAX with a significant contract award, and now are actively seeking to sweep their egregiously callous miss handling of our personal information under the rug. 
Seriously? They should go to jail. I did not ask them to capture and store my personal information. I did try to get through to the jerks immediately following the incident, but they shut down all avenues of communication with us little people ( e.g. the ones they XXXX  over, not the ones who buy the information ). Sweeping this behavior under the rug is not an option from my perspective. Do the right thing will you please?

Company response to consumer: Closed with explanation