BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Credit reporting 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:
Credit Report Inquiry made by this unknown company without my knowledge nor consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Under FOIA I respectfully demand Wells Fargo produce FHA loan modification denial letter. I am in contact with FHA. It was more monetarily beneficial for Wells Fargo to approve a short sale instead of what I and my family was entitled. The U.S. Government gave Wells Fargo bail out HAMP money to keep homeowners in their home. Instead Wells Fargo used HAMP money to enriched itself, its shareholders and Wells Fargo 's employees who worked against Wells clients in order to get compensatory bonus for each loan modification it denied and for every short sale it approved. I have always insisted upon LOAN MODIFICATION since 2012. Under FOIA - produce FHA denial letter. According to truth challenged XXXX XXXX, " Wells Fargo will have a mediation - so you need to wait until Wells Fargo contact you. '' Hence, I do not want any further phone communication on a recorded line from any Wells Fargo employee because they speak alternative truth.

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 2023-09-22
Company: WHEELS FINANCIAL GROUP, LLC.
State: VA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took a title loan from loanmart when i fell in hardtines. I m a retired service member and now a federal employee. Theybsaid they were kegally allowed to provide title loans in virginia. Virginia law states title loans can go over 36 % interest for residents of virginia. They have the loan at 66 % which is way over they never sent me my contractbwhen i signed and still wont send or provide it. I tried paying down the loan but the interest is too high and i feel like i will never get out of it. Rhey say they can have a high loan because their office is now in utah.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: U.S. BANCORP
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment of {$380.00} Saturday XXXX that was processed and applied the subsequent business day Monday XXXX. Looking at my checking account where the payment funds originated, I discovered this payment made to Centra Pacific Bank on behalf of Elan Financial Services was DEBITED TWICE making my checking account at Central Pacific Bank go in the RED - {$310.00}. 
I called Elan Financial and they said they would reverse the charge and it would take XXXX business days depending on my bank. 
I called my bank Central Pacific and explained the issue. They said to call back today if still having issues. 
Today, I contacted Elan Financial and spoke to XXXX. And she said there is nothing else they can do. I feel they are accountable for this error. I have automatic payments, a bill to pay, gas to put in my car and I can't even by lunch.

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 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
According to Fair Credit Act 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed 30 days to complete this investigation. 
Please investigate the following accounts and remove them if anything is missing or not correct on them.

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 2022-02-27
Company: Possible Financial Inc
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I'm telling you that account isn't mine that possible account that shows on my credit file. It isn't mine and I want someone to fix this. This isn't right

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I request that XXXX XXXX remove XXXX late payments and late reports up to 120 days after the end of the Covid-19 Pandemic. I have been unemployed for over a year during the COVID-19 pandemic. My unemployment benefits expire in XXXX of XXXX. I am very concerned about negative reporting due to the fact since my employment is in the cybersecurity sector background checks it part of the hiring process, and adverse reporting can affect my ability to gain employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-13
Company: EQUIFAX, 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: Account status incorrect

Complaint:
upon checking my credit report on XX/XX/2018, I found that I had an open collections account for an unpaid debt for a XXXX XXXX Credit card. I decided to give the Collection agency provided a call in order to settle the debt. My talk with the customer service rep was pretty simple. I had agreed to pay a lesser amount of the debt owed in order to get the derogatory remark removed from my account. The debt owed was {$400.00}, we agreed on the amount of {$260.00} I believe. After paying the amount agreed upon, I received a letter in the mail confirming that the account was paid off, but I did not receive documentation that the derogatory accounts would be removed from my credit report. I gave XXXX XXXX  a call inquiring about the letter and asking if the debt would be deleted. I was informed that, that would be an issue that I would have to take up with the reporting credit bureaus and that it was out of their hands. I decided to send letters to all three bureaus and also XXXX XXXX. XXXX XXXX replied via mail explaining that they could not do anything to help the situation. I have yet to receive a reply from the three bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
pLease see attached police report, I have been a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX U S DEPT OF EDXXXX XXXX Balance : {$200.00} XXXX XXXX XXXXXXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$200.00} XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1800.00} XXXX XXXX  XXXX Balance : {$710.00} XXXX  XXXX Inquired on XX/XX/2022 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 2023-03-01
Company: SYNCHRONY FINANCIAL
State: NV
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 served on the company a demand for validation of the debt they are reporting that I owe them ; company failed or refused to validate the debt and/or failed to investigate and the company continues to falsely/fraudulently report to the credit bureaus negative comments and/or remarks that injure me and drastically affect my credit score even after failing to validate the debt pursuant to law ( see demand for debt validation letter ( s ) included ), whereas the company is in default and their false reporting must be deleted from my credit report ; this company also violated the law when they canceled the associated credit card ( s ) without lawful authority and absent my consent. This/these lines of credit must be restored forthwith.

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 2022-02-27
Company: Experian Information Solutions Inc.
State: AP
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:
In Reply to : Response of EXPERIAN Inc. Credit Reporting Agency of : XXXXMEMORANDUM FOR : CONSUMER FINANCIALPROTECTION BUREAU SUBJECT : EXPERIAN Inc. and its member/Agent XXXX XXXX XXXX ( The Company ) CONTINUED KNOWINGVIOLATION OF THE FAIR CREDIT REPORTING ACT Re : CFPB Complaint # : XXXX Submitted to the CFPB on : XXXXTHISIS A TIMELY FILED COMPLAINANT RESPONSE TO THE EXPERIAN XX/XX/2022 REPLY TO CFPBDear CFPB, on XX/XX/2022, I, a service member filed an FCRA Volition complaint with CFPB, regarding EXPERIAN Inc. a Consumer credit reporting agency and its member XXXX XXXX XXXX XXXX XXXX reporting of false DECEASED inaccurate information on my EXPERIAN Credit File , VIOLATION OF Title VI of the Consumer Credit Protection Act ). Experian IncXXXX and XXXX XXXX XXXX XXXX, are both Subject to the Federal, Fair Credit Reporting Act ( FCRA ) .On XX/XX/2022 EXPERIAN filed a response to CFPB and Service Member that stated in pertinent part,..... [ DESCRIPTION OF NON-MONETARY RELIEF According to our records, an indication of being deceased does not appear on your Experian credit report at this time. ] THIS IS FALSE. After having allotted sufficient time following EXPERIANs XX/XX/2022 to elapsed of approximately26 days to be exact. Service members upon review of my most recent EXPERIAN Credit Report # : XXXX reveal that, AS OF THIS WRITING XXXX XXXX ( XX/XX/2022 ) EXPERIAN INC AND ITS MEMBER/AGENT XXXX XXXX XXXX XXXX KNOWINGLY CONTINUE TO REPORT FALSE DECEASED INACCURATE INFORMATION ONSERVICE MEMBERS EXPERIAN CONSUMER CREDIT FILE.. my multiple request to EXPERIAL and its member XXXX XXXX have gone an resolved , that resulted in negative impact on my Consumer Credit Score to XXXX CREDIT score , caused me to suffer serious financial hardship, suffer deprivation of federal relief in the meaning established and defined by the U.S. Congress under Title 15 United States Code 1681 ( a ) and ( b ), in direct violation of the Fair Credit Reporting Act and violation of Title VI of the Consumer Credit Protection Act, all in violation of Title 18 United States Code249, and infringed the jurisdiction of the Consumer Financial protection Bureau. Irreparable harm.Under the Consumer Financial Protection Bureau Act, the CFPB has jurisdiction to fine EXPERIAN and its member XXXX XXXX for their continued violations of the act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: FL
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Around XXXX XX/XX/21 {$6500.00} claim number # XXXX Acct ending in XXXX Bank of America prepaid processing serviceXXXX. I been trying to get this resolved multiple time and the bank customers service is giving me a hard time. I am frustrated because I been calling and sending them letter asking them to investigate and it's almost going on a year and a half still nothin

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 2022-02-27
Company: EQUIFAX, INC.
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:
There are numerous of credit inquiries on my credit reports that I have not Authorized I only have open accounts with XXXX for my homes, XXXX XXXX for my car, XXXX for my car, ally financial for my car and XXXX XXXX for my car. Other than that all other inquiries need to be removed My name is also XXXX XXXX XXXX all other names need to be removed My social ends in XXXX all others need to be removed immediately as it is causing my credit to report false info Please update my only address to reflect XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX The credit bureaus are also reporting XXXX XXXX  and this is a HIPPA Violation, this should not be reporting onto my credit report as well as the information being reflected is inaccurate and must be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-30
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Santander Consumer USA- PLEASE DELETE After repossession of my vehicle in XXXX of XXXX. There was a 33 states predatory lending class action settlement against Santander Consumer USA. Where Santander agreed to relief my debt. Santander just settled the case last year XXXX. According to the agreement my debt is to be forgiven and the account status updated to a positive. Because of what they agreed to in the settlement this has now became a violation and needs to be corrected within 30 days of receipt of this complaint.. I have reached out to Santander Consumer USA to dispute this matter and they still have not removed this from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and Equifax were contacted with legal documents to update and close XXXX child support because there is no longer ANY debt. Both companies are refusing to update said accounts that are in error as per FCRA. XXXX and XXXX even shows an astronomical monthly payment and heres proof : XXXX OF CHILD SUPPORT Account number XXXX Account type Family Support Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Status updated XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$39000.00} Original balance - Highest balance {$0.00} Terms 1 Months

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: Block, Inc.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Cashapp has locked my account after I had tries to send money to my uncle one the app it said I would be contacted in 24-48 hours and it is well past that I have yet to hear from from them regarding the issue I have tried calling their support number no one answered I have reached out though the app I get a response but no information is given they refuse to answer any questions and provide no information and said for me to contact law enforcement they have cause a lot of stress and made me unable to handle personal and work related tasks that I couldn't afford lag on and now I'm it danger of loosing my job because of it I want my fund withdraw and the account closed I no longer want to have anything to do with them they showed no concern for me as a client.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/XXXX second mortgage started with XXXX XXXX XXXX XXXX subsidiary of XXXX XXXXXXXX XXXX XXXX XXXX for the amount of {$34000.00}. XX/XX/XXXX I filed a Chapter 13 Bankruptcy, It was XXXX XX/XX/XXXX. I have tried to reach above mentioned and they are out of business, My house has been sold and is closing XX/XX/XXXX. I have reached out to Bank of America as information found is they have the loan. I have not received any notifications of Second mortgage payment throughout this time, nor any notifications of the mortgage being sold and so fourth. I am seeking payout and company that needs to be paid. Bank of America has been negligent in updating Title, prviding information for payment or payout.

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