BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-02
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I didn't authorize the following inquiries : XXXX XXXX XX/XX/XXXX Finance other than personal XXXX XXXX XX/XX/XXXX Finance other than personal INFORMATIVE XX/XX/XXXX Miscellaneous and public record XXXX XXXX XX/XX/XXXX Miscellaneous and public record XXXX XX/XX/XXXX Credit card and travel / entertainment companies XXXX XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX XX/XX/XXXX This is a collection account. Can you have them send the original agreement with my signature. If they can not, can you make them remove it. 

XXXX XXXX XX/XX/XXXX This account has never been late. Have them to provide proof. 

XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX This account was never late. Have them to prove it. 

XXXX XXXX XX/XX/XXXX This is a collection account. Can you have them send the original agreement with my signature. If they can not, can you make them remove it.

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 2020-12-11
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I opened an account in a Wells Fargo Branch in XXXX XXXX, VA on XX/XX/XXXX. I opened one checking account. On XX/XX/XXXX I received a call from a Wells Fargo representative stating my account would be closed. The only transaction on the account was a {$25.00} deposit. So I was then transferred to another department that asked me had I ever had a Wells Fargo account I said no. So then I was told there was an account in XXXX that was opened another social was used, the signature on file didnt appear to match and another last name was used. So I was asked had I been contacted by Wells Fargo in the past I said no. Clearly nothing in the profile belonged to me. Then the representative said there was a bad check deposited into the account. Which I had no knowledge of. Then I was told that they would combine my information with the other one Im confused because how does my actual information get combined with someones else and how am I liable for an account that isnt even mine. Im being told that I now have a negative balance for an account I just opened and only deposited {$25.00}. My account was closed less that 24hrs after opening it.

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 2021-02-03
Company: Franklin Collection Service, 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:
On XX/XX/XXXX I sent in a debt validation request via USPS certified mail to Franklin Collection Services. The company received it on XX/XX/XXXX. A copy of the letter will be attached. Franklin Collection Services NEVER validated this alleged debt but still reported it to the credit bureaus. On XX/XX/XXXX, I sent a None Response letter to them, and it was received on XX/XX/XXXX. To this day, Franklin Collection Services is still reporting this unverified, erroneous item on my report and have not validated it. They are illegally placing it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: FACTUAL DATA CORP.
State: IL
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:
1 : XXXX submitted a hard inquiry on my credit reports, without my permission to do a hard inquiry. 
2 : Factual Data. I instructed the lender that I don't want a hard pull.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My address is in correct on my credit report. Its showing XXXX XXXX XXXX XXXX XXXX, PA XXXX but I never lived there and my correct address is XXXX XXXX XXXX, XXXX Pa 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 2020-02-10
Company: 1ST FINANCIAL, INC.
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Every month I receive an " Expiration Notice '' regarding accessing my equity through my mortgage company. The " expiration notice '' is NOT from my mortgage company. The notice is from a third party : 1st Financial , Inc . This third party uses my current mortgage company 's name in their notice as way to appear legitimate. The purpose of 1st Financial, Inc. is what I believe is to obtain my personal information. Why would they mail an " expiration notice '' every month and request I call them to discuss how to access my equity. I have called their XXXX to request removal of my name from their mail list but their is no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: FORD MOTOR CREDIT CO.
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: Old information reappears or never goes away

Complaint:
These accounts where fraudulently open without my consent I disputed these inaccurate accounts and the credit bureaus removed the information then a couple weeks later they readded unblocked the fraudulent accounts on my report and I need this resolved quickly I have sent in FTC report along with any and every other documents I have hade multiple time also its been over 90 days with no investigation results this fraudulent active is harmful to me and my family in a global pandemic and its stoping use from obtaining credit please have them re investigate it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
One Main Financial charges extremely high interest rates and none of the payments have gone to principle only interest. I’ve tried to resolve but was only lied to and told a payment would be drafted XXXX days if I set it up - but was actually taken out the next day causing other items to go delinquent.I have received multiple phone calls daily - which should not be happening

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: EQUIFAX, INC.
State: FL
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 made several attempts to resolve incorrect items being reported to Equifax. I have asked them to provide me with proof on how these accounts were verified as 100 % accurate and that they belong to me. I have also asked them what method of verification was used, and in addition, to provide me with a legal and binding contract that bears my signature to the following accounts : 1. XXXX XXXX- XXXX 2. XXXX XXXX- XXXX 3. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
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: Public record information inaccurate

Complaint:
I have asked XXXX, XXXX, and Transunion that are reporting bankruptcies on my credit report to disclose method of verification on the alleged bankruptcies they are reporting. All have replied to me claiming that XXXX XXXX verified the information. 
Appalled by that information, I went directly to XXXX XXXXBankruptcy Courts and in response to my inquiry they all claim to have NEVER verified any of this information with any of the three credit bureaus listed above. This would mean that as of XX/XX/2022, these alleged bankruptcies are considered UNVERIFED.

I am aware, the FCRC states the following : A CRA must remove inaccurate or unverified information from its files, usually within 30 days after disputing. However, the CRA is not required to remove accurate data from your file unless it is outdated ( as described below ) or can not be verified.

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 2020-12-11
Company: LDF Holdings, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
To whom it may concern : 1. I took out a payday loan with your company, and I must have misread the agreement. 

I thought that they wanted 10 payments of {$130.00} on a {$1000.00} loan. 

2. So far, I have made five payments of {$130.00} each. 

3. I had thought that that would have been about $ XXXX just a little over half of the amount that was due. 

4. When I spoke to customer service today, they told me that of those {$650.00}, only {$9.00} had gone to interest and there was still a principal balance of {$990.00}. And the total payback is meant to be over {$4000.00}. On a {$1000.00} loan 5. I have spoken to my bank to stop payment on all future Bank drafts until we come to a conclusion about a more reasonable interest rate. 

6. it does say that we can talk to the tribal authority in order to do this, but if they're acting in the capacity of mediators then once they issue a decision it will be binding. 


7. I have spoken to the cfpb, and the answer that the company gave me was that they had tribal immunity from lawsuits. 

8. After I did further research, I found that the second Court of appeals has ruled against XXXX XXXX XXXX claims of sovereign immunity and that they must follow the state law of the jurisdiction in which they lend. In this case, it is Wisconsin. ( Docket Nos. 16-2019-cv ( L ) ; 16-2132-cv ; 16-2135-cv ; 16-2138-cv ; 16-2140-cv ( Con ) ) 9. we probably have a few ways going forward at this point, and tell me which of them you would like : a. The firm could just sue me and send a representative and we could work this out in the district court. 

b. We could work the agreement to be what it appeared to be, which was 10 payments of {$130.00} each. 

c. The firm could turn it over to a collection agency, in which case they would not be able to collect any of the money because courts can not adjudicate an agreement in which one of the parties does not come in to the situation with clean hands. 

Please tell me the path that loan at last would like to take to resolve this, because there will be no further disbursements from my checking account after today 's stop payment order. 

I'm refiling this exact message through the cfpb so that it will be a matter of record all of our communications. 

XXXX XXXX Sent from XXXX Mail on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
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: Information is missing that should be on the report

Complaint:
I have had an open line of credit for over 7 years yet only 2 years of my credit is being reported by XXXX, transunion, and 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 2023-06-19
Company: Levy & Associates, LLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently saw a default judgment against me for the amount of {$11000.00}. The judgement was entered against on me XX/XX/2023. When I looked into the paperwork set to me from Levy & Associates , LLC for Motion to File Requests and Responses. The letter sent " was not filed out with the date nor signed from a judge. Blank. I was not correctly serviced with the correct information in this case. 

They have broken the Fair Collections Act as I was never able to defend myself on court. The judge should vacate the judgment/debt. I will be appealing this case today. 

Enclosed is the letter sent from Levy & Associates , LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
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 status incorrect

Complaint:
There are several negative remarks including my private nonpublic information on my report that I did not give express written consent to be furnished. These remarks are inequitable to my financial reputation and is negatively affecting my right to conduct commerce.

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 2018-10-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
USAA 's fraud department denied the claim I filed after I was extorted. After their investigation, their representative agreed that I was extorted. I was unfortunately informed that extortion is not a form of fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I do not consent to electronic communications. I request all responses be in writing through the USPS. Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-01-10
Company: CL Holdings LLC
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 status incorrect

Complaint:
This account is very old they acting like this account was just open. They are reporting inaccurate information on my credit saying it is 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX joint checking with over XXXXin it. We moved upstate and had our mail going to a XXXX XXXX , social security checks were being direct deposited. Social security stopped the deposits because of lack of address. On Friday XX/XX/30 I went to my citibank branch XXXX XXXX XXXX XXXX Ny XXXX & the lady told me my account was closed. They called the manager and allegedly he said hed mail me a check. They wouldnt tell me who authorized closure, when it was closed. I never received notice to my P.O. BOX of closure. My XXXX went up to dangerous levelsXXXX. I had to leave the bank as I felt myself getting XXXX & I had my wife with me & she has XXXX. I couldnt afford to lose it. I was given a number & told to call In 48hrs. Im dictating this letter to my daughter to submit In case I get worse. I need this bank investigated and I want our money.

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 2020-12-11
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 status incorrect

Complaint:
I had an auto loan with XXXX XXXX that I paid in full XX/XX/2020. Usually XXXX, Exquifax and XXXX updated my auto loan on the XXXX of every month, but this time they didnt update my information. Because of this my pre-approval was recinded and now I can not secure my mortgage for my new home. I tried to contact XXXX XXXX directly and they advised that did their part, they sent the letter on XX/XX/2020 advising all 3 credit reporting agencies that my auto loan was paid in full. Its dishearting that the 3 reporting agencies are quick to report incorrect information, but slow to correct/update their inaccuracies. That fact that I am no longer eligible for my mortgage over this is unfair, biased and causing me financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: SYNCHRONY FINANCIAL
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: Was not notified of investigation status or results

Complaint:
I've seen no changes for the accounts that I have filed last month, I still see multiple 30 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 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 2018-10-03
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
There are bankruptcies on my credit report which are report inaccurately. I called the court to clear up the mistake and I received a letter that says they do not report to credit agencies. It is illegal for third parties to report bankruptcies on my report.Because these errors are reported by third party entities I can not correct these issues. I wish to have these items removed from my credit report. I have included the dates and times I have contacted the bureaus to explain these issues and they claim they have verified the information. However, I have a letter directly from the court stating that they do not verify this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXXXXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$4000.00} FMILY XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX******** Balance Owed : {$860.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$380.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX******** Balance Owed : {$860.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance Owed {$310.00} XXXX XXXX  XXXX Balance Owed XXXX {$4000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$380.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$850.00} XXXX XXXX XXXXXXXX Balance Owed : {$860.00} XXXX  XXXX Balance Owed : {$760.00} XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief