BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-09
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: Information belongs to someone else

Complaint:
XXXX XXXX store card closed a fraud account that was in my name. I still have them reporting on my credit report and still paid down the balance that I didnt use. They keep reporting derogatory remarks and statements on my credit report messing up my FICO Score. I have been through with them on this issue. I dont receive no bill or statements. XXXX XXXX  store card closed my account due to fraud. So why are they still reporting on my credit report? Why am i not getting a bill? Why am i not receiving any statements? I paid more than the remaining balance on a fraud account. Help me please!! I had to sign up so i can see the statements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-11
Company: Statebridge Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Payment has been submitted to our lender via check via the mail. Lender confirmed receipt of check however admitted to holding the check for posting instructions. We have paid via check because the lender has a fee to pay over the phone and the lender has no website to pay online. This lender is difficult when calling to speak with a person everytime. Customer service for this lender is appalling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
ACCOUNTS LISTED ON MY CREDIT REPORT THAT I NEVER SIGN FOR OR USED

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 2019-02-09
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: Information belongs to someone else

Complaint:
In XX/XX/2018, I filed an identity theft report with my local police department about several items on my credit report that I did not authorize. I contacted Equifax to inform the company of the problem. I challenged the information and submitted all pertinent documentation to prove my cause. It clearly showed that the information on my credit report did not match my identity of my place of living. I explained to Equifax that someone had gotten hold of my personal information and used it and opened accounts in my name. Equifax has continuously failed to remove the account on my credit report and it is hurting my score, credit opportunities and my total credit health. The account is XXXX XXXX XXXX. It is an auto loan and the car dealership that sold the vehicle in my name is no longer in existence. I did contact someone from the company and they verified that the car was in my name. So, I got all of the information on it, looked it over and ran a search on it to discover that the car was a totaled vehicle. Meaning that someone had purchased it from a junk yard and put it back together and resold it which is illegal in the state of Illinois.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Phoenix Financial Services LLC
State: MI
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 XXXX XXXX Phoenix Financial SE added a derogatory mark on my credit report per XXXX XXXX, XXXX  app and annualcreditreport.com. Upon further research this account was transferred/sold and I am and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was no written communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA Phoenix Financial has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a credit card with Capital One. I pay the balance in full every month. I have {$1500.00} paid automatically via my XXXX XXXX Bill Pay. When I get the Capital One bill each month, if I have an amount owing, more than {$1500.00}, I pay that additional amount also via my Online Bill Pay. I also estimate any credits I expect to receive and deduct that amount. On my XX/XX/1918 bill, I had a previous balance of {$3800.00}. This bill showed that I paid 2 payments via my bill pay, each for {$1500.00}. I had two credits to the account for items returned. These amounts totaled {$690.00}. So in total, I paid and was credited {$3600.00}. Capital One charged me {$49.00} interest on a remaining balance of less than {$150.00}. I called and was placed on hold with four different people. One was supervisor XXXX, employee # XXXX. Each of these people told me that if my balance was not paid entirely in full at the end of the month, that they charge interest on the full amount charged during the month. My payments were only short less than {$150.00}. According to the " Interest Charge Calculation '' portion of my bill, I was charged 19.24 % interest on {$3000.00} even though I paid {$3000.00}. I used to work in credit, and unless the laws have changed, this is not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: WELLS FARGO & COMPANY
State: CT
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:
I've been using XXXX XXXX to work on bringing my credit score back up after significant medical bills, decreased wages and divorce. 

What should have been a simple correction on XXXX XXXX XXXX part, by them contacting XXXX to get them to bring my information up to date on my car loan has turned into a nightmare with me going around in circles with different representatives at XXXX who have told me everything from : 1. " it ( the loan ) doesn't belong to you ''. 
2. " Wells Fargo deleted it when I disputed the balance ''. 
3. " Hold on and I'll forward your call to our 'Specialized Team ' to assist you '', then the phone disconnects. 
4. " your account has been suppressed ''. 

XXXX XXXX made it clear that it was XXXX who should make the correction not Wells Fargo. 

It's definitely my loan, I still have another couple of years to pay it off best case scenario. All they had to do was correct the incorrect balance amount that they had on file that was making my score lower than it should have been. 

My score has now dipped 17 points because of this error! 

When I tried to fix it myself online the system refused to let me in and I got repeated error messages. 

It makes absolutely no sense why Wells Fargo would delete the information with XXXX  when Wells Fargo is currently reporting the correct information to XXXX. 

I believe XXXX is the one who deleted the information in error and instead of apologizing for their error and fixing it they've taken this inhospitable strange stance. 

Please 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 2022-08-06
Company: EQUIFAX, INC.
State: PA
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:
Their are " late payments '' that are on my account that are way too old to still be on their getting reported for certain accounts and i dont know why they are still on there. After contacting the creidtors they said they dont know why they still show either and its up to the credit bureau not them. Please delete them off my file XXXX. XXXX XXXX XXXX XXXX XXXX Late payment that shows from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: Bread Financial Holdings, Inc.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On or about XX/XX//2018 I was shopping in a XXXX XXXX XXXX store. The cashier stated that if I gave her my DOB and SSN she would enroll me in a club that would provide me a store discount. She never stated credit card. She never stated my credit bureau file would be accessed. I gave her the information she requested. 

Both my XXXX and XXXX credit reports show an inquiry from XXXX XXXX / XXXX. I never authorized this inquiry. XXXX XXXX never had permissible purpose to access my credit bureau reports. 

The sales person lied and did not state this was actually a credit application. She only stated I would be joining the XXXX XXXX XXXX. 

In spite of the fact that XXXX XXXX illegally accessed my credit bureau reports, they never sent me the results of the credit application. They never sent any credit card. They never sent any adverse action notice or ECOA notice. This is also illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-24
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 isnt my account, nor did I authorize these companies to pull my credit. Please remove 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 explanation
Consumer complaint received 2021-02-26
Company: Servatus Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Solutions Corp was outsourced by XXXX XXXX to pursue DISPUTED DEBTS over XXXX years old. The DISPUTED DEBTS are TIME BARRED XXXX DEBTS which can no longer be legally pursued or reported. On XX/XX/21. Credit Solutions ran a HARD INQUIRY. After speaking with the Collection manager of XXXX it was mentioned that THE HARD INQUIRY SHOULD HAVE NEVER HAPPENED. I again, demanded that all tradelines be removed under FDCPA and FCRA laws and the response from XXXX, the XXXX was " these are due to fall off very soon. ", as an attempt to reason with the complaint brought forth. 

Credit Solutions Corp is taking advantage of their credit reporting and viewing abilities, in hopes of extracting payments for old zombie debts, by poisoning consumer 's credit reports, and claiming that the inquiries are for the purposes of location information, even though both creditor and collection agency have accurate information. This is a common practice for smaller debt buyers and/or collection agencies looking to extract funds from consumers who don't understand their consumer rights at the federal and state level. 

They will continue to run your credit report in hopes of driving down your score, 2, 3, 5, even 8 years after the disputed " last date of payment ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt is not mine

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 2019-02-09
Company: Fidelity National Information Services, Inc. (FNIS)
State: OR
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 XXXX credit bureau report shows inquiries buy XXXX on XX/XX/XXXX and by XXXX XXXX  on XX/XX/XXXX. 

At the time of those inquiries, my XXXX  credit reports were frozen as described by the FCRA. 

XXXX  illegally allowed entities with which I have never done business with to access my reports.

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 2019-03-18
Company: Experian Information Solutions Inc.
State: CA
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: Problem with personal statement of dispute

Complaint:
And # submitted to you already # XXXX was a nightmare still is. I got physically harmed to attys shot me in my arm. I believe. 
Experian received my dispute they granted me XXXX of my report failed to keep there truth removed after it was all done with due process. When consumers closed the complaint. As as walked a way they removed the XXXX and all the other agreements they made they did not follow thru. Back to square on XXXX XXXX did the same thing refused to give me my report XXXX too then there's a statement saying class action suit for XXXX experian data breach of XXXX XXXX dollars XXXX XXXX in security alone .no one filed a complaint time I did XX/XX/XXXX B 's all futious names. They sent me a cheap post card XXXX. Ok incorrect name .be careful there in your office moles. hacked in bank accounts Look I'm in a serious fight here this is bull I have the documents on this also fraud case that belongs to those defendants Atty. All directed about them. I won bottom line here the info please look into this I do not trust anyone either they took my home my car. lied to!? lied to all my of creditability there's XXXX lawyers XXXX and XXXX XXXX are dangerous and I want them off this suit action this suit and pay me quite dancing I'm hurt physically they made me sleep in a storage XXXX  even XXXX  my daughter put her in a institution.serious. I'm not crazy I know how crazy it sound but im not backing down XXXX. Bar asst. Needs to be contacted also about these two they lie stink nasty think there smart. hacked paid XXXX to hit me by a co car $! shot me! Yes a XXXX there pathetic and desperate. stole money sent fake emails lied to unemployment had pretend to be an agent take my info and disabled my income so I would give up played XXXX cop bad cop XXXX XXXX desperate XXXX did that! financially broke I want l legal action as giants them I swear by on XXXX. Bribery maybe too judge tamper whole case wolf Atty both are XXXX to nievey.

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 2019-02-09
Company: TIDEWATER FINANCE COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I purchased a mattress from XXXX XXXX in XXXX of XXXX. The balance remaining was financed by Tidewater Finance Company, XXXX XXXX XXXX XXXX, XXXX XXXX, VA. 
I have spoken with upper level of management and then the CCO in finance of this company, XXXX at the time in XXXX speaking with her again about not getting any information in XXXX of XXXX in my emails or physical address. I did however get a letter regarding a late payment in XXXX of XXXX and did not come to my address but to the address of where the merchandise was delivered to. 
While at the store ( XXXX XXXX  where the merchandise was purchased ) I had asked that I needed the Truth In Lending Statement, and any other loan papers for this transaction. I was given only the Sales receipt and the name of the company financing this purchase. 
To date I have not been sent a Truth in Lending nor any kind of financial document relating to this purchase. 
This loan had special circumstances, when principal was paid within a year there was No Interest charged until then. At the time of purchase, I asked what the payment system would entail. XXXX XXXX had said it was a No Interest calculated for one year from date of purchase. I then asked who would be sending me the financial paperwork, TIL if there were monthly payments or can I just pay it off in three to four months. I was told Tidewater Finance Company would email or send me the paperwork. I have to this day never received any paperwork from Tidewater Finance Company. They had all the correct information to email, physical address, phone number, transferred from XXXX XXXX and when my financial and personal information was run to get the loan from them in the first place. 
I am not inferring that I don't owe this company what I purchased. I want them to be accountable. Deliver information that is mandatory to enter into a contract all the correct paperwork, firstly the Truth In Lending Statement. Not at any time currently that I have nor should there be one by them as it would be a fraudulent as I do not posses a TIL nor any other type of paperwork from Tidewater Financial Company stating Principal balance. APR, etc ... a Truth In Lending Statement includes. 
Contact with XXXX and other financial personnel have been fruitless as to finding a solution. I am concerned that guidelines of financial companies are not being followed. There are others who have been I feel swindled by this company. Not following finance or upholding the laws and guidelines of a financial company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Hello, I use a fifth third bank account. I use the autopay through my bank ; where every month I go in and set the date of when I would like a check to be sent out automatically through the online portal. 

I had set that the XXXX my landlord would get a check through the online portal for {$370.00}. I canceled that check-called my bank and explained why I was canceling that check because my landlord turned off my water without telling me as I was living in the house. I had no water for a week- causing me to move out and find a new home in a day. 

My bank told me onXX/XX/XXXX when I went to cancel the check that I had more than enough time- that the bank was pulling the check from my account and not to worry about it and that my landlord would not get the check. 

XX/XX/XXXX- the check posted and now my bank will not help me at all causing my account to bounce.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 multiple occasions I have submitted an investigation/dispute with the credit reporting agencies regarding an alleged " debt '' claimed by XXXX in the amount of {$200.00} All times the agencies have come back with a letter claiming the debt has been proven " valid ''. I've asked on what information is the validity of this debt substantiated yet have not received any documentation to this end. All XXXX has submitted are invoices, but as an attachment I'm including to this complaint serves, the agency tasked with collecting this debt has ceased collection activity due in part to the fact that they can not produce any documentation of a contractual agreement with a start date between XXXX and myself, nor can they produce the documentation of when the services were ended. Of course they won't be able to because it would obliterate their claims of the amount owed. 
An invoice on it's own does validate debt, because frankly I could generate an invoice and send to XXXX billing them as well as XXXX, TransUnion and XXXX for the amount of time I've wasted fighting and disputing this alleged debt and when they don't pay claim it's valid. But without a contractual agreement for the time/services rendered, the invoice on it's own validates NOTHING.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX : XXXX Please Note : CFPB Complaint XXXX-XXXX I did not request an investigation nor dispute. I asked you who updated and verified this account, specifically " Who the XXXX, is making these inaccurate changes? ". 

Do not start another dispute, this would be the fifth dispute and would be the fifth time you failed and lied about verifying the accuracy of this account. 

Either provide a method of verification as requested now for the 3rd time or remove this account. XXXX XXXX does not count as verification. 

I'm done playing this game, either you or XXXX XXXX has been falsifying information on my credit report which i take seriously and which has been a detriment to me. If the CFPB or FTC refuses to do anything i will seek restitution and resolution under FCRA through the courts. This account needs to be removed immediately. Ive documented every form and occurrence of communication with you. Once i start litigation there will be no settling outside of court or dropping. If i start this process it will go full course and what i am asking to do now, which is remove this account, you will have to remove and pay me for not removing it sooner. No games, no threats, just tired of this bs. Remove this account now!!! 

As well i will file a complaint with the FTC, State attorney generals office, XXXX  until time comes for me to see you in court. You have until XX/XX/2019 to remove this account from my reports.

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