BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-01
Company: Paramount GR Holdings, LLC
State: NV
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:
I have reached out to the following account below and talked to them about the issue with my account as reported by the bureaus. They have advised me that they will remove the late status on my account however, as I reviewed my recent report, the late status are still reported. I am not sure how the GOODLEAP LLC came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: EQUIFAX, INC.
State: TN
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:
I am submitting this CFPB Complaint to dispute an unauthorized inquiry that has been reported on my Equifax Credit File. The inquiry in question appears to be completely unfamiliar to me, and I have no recollection of ever initiating it. I am not aware of any dealings or transactions that could have led to this inquiry, and I believe it was made without my consent or authorization. As a result, I demand Equifax the immediate removal of this unauthorized inquiry from my Credit File. If Equifax claim that this inquiry is valid and yours, I request Equifax to provide substantiating evidence to support Equifax ' claim. However, if Equifax are unable to provide any evidence of my authorization, I insist that Equifax remove this inquiry promptly : XXXX XXXX XXXX XXXXXX/XX/2023. This inquiry is not affiliated with me, and I have not received any money, goods, or services as a result of this unauthorized inquiry. Neither have I authorized these inquiry. I demand that this be immediately removed from any affiliation with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: Westlake Services, LLC
State: CA
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 financed a car through Westlake Financial, and was always on time with my payments until COVID-19 restrictions forced me to lose my employment and my car was repossessed. Even after asking for a deferment I was able to recover my vehicle for a modified payoff amount and was told that if I made this, they would remove the late payments from my record and that never happened. My credit report still shows three late payments on this loan.

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 2023-09-01
Company: I.C. System, Inc.
State: PA
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:
I have no supplied proof under the doctrine of the estoppel by silence, Engelhart v. Gravens, ( MO ) 281 SW 715,719, I pressume that no proof of the alleged debt, nor therefore, any such debt, in the fact therefore exist I C SYSTEM XXXX XXXX XXXX XXXX XXXX, MN 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 2023-01-05
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: Account information incorrect

Complaint:
I would like to file a complaint on both agencies XXXX and Experian for reporting inaccurate information in regards to one account XXXX XXXX XXXX XXXX. I have gotten results back from both agencies and both agencies are reporting XXXX different XXXX removal dates within a XXXX  month difference for this XXXX account to be removed which is impossible if they were reporting the information the creditor has furnished to them correctly. XXXX results has verified this account as accurate. 

XXXX  results XX/XX/XXXX federal XXXX  year removal date XX/XX/XXXX Experian results XX/XX/XXXX federal XXXX  year removal date XX/XX/XXXX to my understanding 1681i ( a ) ( 5 ) ( A ) ( i ) if AFTER any reinvestigation a item remains inaccurate, incomplete or can not be verified the reported item is suppose to either be Modified to the maximum possible accuracy 1681e ( b ) or Deleted. This account has not been modified accurately. how is it possible that both agencies conducted a investigation with the same creditor and supplied me with results but both results reflect different FEDERAL information. the payment histories with both agencies report OK or NO DATA, there is no date of commencement of the delinquency, no last payment, no late pays leading up to the charge off status, further more proving that both agencies are not even reporting information in the payment history to help them determine the federal removal date. Both agencies payment histories on this XXXX account are INCOMPLETE but XXXX has the audacity to verify this account as accurate? to my understanding according to 1681c ( c ) ( 1 ) the 7 year period shall begin on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. Such date is required to report and report accurately with respect to any delinquent account. Both agencies are reporting inaccurate and incomplete information and have illegally re-aged this XXXX account and is not reporting what XXXX XXXX XXXX has furnished to them correctly. I've disputed with the consumer reporting agencies and gave them a chance to fix this account on numerous attempts, I have disputed with XXXX XXXX XXXX under XXXX tracking XXXX and waiting for there response in the mail.

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 2023-01-05
Company: EQUIFAX, INC.
State: MS
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/2021 I received my credit report showing several payday loans from this company. ( XXXX XXXX ) I was not aware of this loan and reached out the company to dispute these charges. I sent the debt validation letters to all 3 credit bureau and I never received any documents. I was requested to provide my ssn, birth certificate and drivers license to the bureau. Once I submitted that information to get my account verified the bureau then used my information to update all of my inaccurate personal information on my credit reports. XXXX XXXX then used that information and updated it on their end and then sued me. Even after I contacted them stating this loan has been obtained via identity theft. They used my accurate information to put the loan on myself. That is illegal. This is against my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This involves my Kohl 's credit card. I have paid my balance in full and interest fees. I was told by Kohl 's my late fee would be waived but it has not and more late fees have been added. Kohl 's has now turned the balance over to debt collection and I am being called at least daily.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-15
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I had a checking and savings account opened without my permission and someone was taking money out of my account and transferring to the fraudulent accounts without my knowledge.

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 2023-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
XXXX XXXX, the resolution complaint specialist, incharge of a complaint I had made against the XXXX, XXXX WA location did not apply pertinent details of the situation to base his final decision off of. I know he is aware of those pertinent details I am referring too because I have a copy of the phone conversation I had with him prior to his investigation, where we both discuss the details he has failed to apply to his decision making. He states in his determination letter that " After carefully reviewing the video footage, he determine that I only had provided the teller with 1 form of ID, my passport, to cash a {$6000.00} check drawn from Bank Of America from a XXXX XXXX XXXX  vehicle manufacturer. What he has failed to mention, and was really the basis of the entire original complaint, was that the tellers REFUSED to let me provide then with any other form of ID, for which I had in my pocket a driver 's license and social security card. The tellers refused to accept anything but the physical debit card from Bank Of America or, " any other debit card another bank ''. The tellers were fully aware that the debit card from Bank Of America was still in the mail and they were aware of that because they were looking directly at my account pulled up on their computer. During my phone call with XXXX, he acknowledged that if the system requests another form of identification, there are several options to choose from and these tellers lied to me and insisted that the ONLY way they could cash my check was with the debit card they knew I did not have in my possession yet. This is why I feel like I was discriminated against by these women tellers based on my sex and profession. XXXX acknowledged in our phone call that the excuses given to me by the bank tellers was incorrect and my check should have been cashed. I have heard from 20 different customer care supervisors the same thing and the branch manager himself. He referenced the deposit agreement in his letter and said that I could find information regarding cash checking services required more then 1 peice of ID. I know that. I read my entire deposit agreement prior to my visit to the branch that day. That is why I brought more then one piece of ID. Bank of America does not accurately state anywhere pertinent information about their check cashing services and I believe that is pertinent information that consumers are not being provided with.

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 2020-04-25
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:
On XX/XX/2020 I filed a dispute with Experian and XXXX  about a XXXX XXXX Credit card opened fraudulently in my name. I uploaded a copy Of my Identity Theft Report only for it to come back remains on report on XX/XX/2020.

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 2023-02-27
Company: Experian Information Solutions Inc.
State: IL
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 deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents 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 2022-09-22
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Original Creditor : XXXX CXXXX XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2019-12-07
Company: U.S. BANCORP
State: NE
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:
Starting with my XX/XX/XXXX statement, I wrote a check to US Bank to balance transfer {$1800.00} that was supposed to get me 0 % interest until XX/XX/XXXX. I did another check balance transfer on the same card with my XX/XX/XXXX statement for {$1800.00} that again was supposed to be 0 % interest unto XX/XX/XXXX. On my XX/XX/XXXX statement, I made a car payment to my wife 's car and it somehow counted as a cash advance in the amount of {$580.00}. The cash advance rate on this card is 25.99 %. My minimum payment on this statement was {$70.00} and I made payments that totaled {$1500.00} for this month and I was charged interest on the cash advance and on the purchases that totaled around {$23.00}. 

On my XXXX statement, I made a lot of purchases ( 16.99 % interest ), but also made a payment in the amount of {$4800.00} ( minimum payment was {$56.00} ) and was charged {$8.00} in interest on the cash advance that still somehow had a balance. 

On my XXXX statement, I made more purchases, but also paid {$1200.00} in payments with a {$120.00} minimum payment. One of my 0 % balance transfers was paid off by this month and I was charged {$66.00} in interest on my purchases ( 16.74 % interest now ) and {$.00} on the cash advance that was still not paid off, but now has a balance under {$10.00}. 

On my XXXX statement, I made more purchases and made payments of {$4500.00} ( minimum payment of {$100.00} ). This month, my other 0 % balance transfer was paid off, the cash advance still was not paid off and I was charged {$.00} in interest on the cash advance and {$67.00} in interest on purchases. 

It was with this last statement that I finally realized that they were paying off my lowest interest balances first and sticking me with the interest on my highest balances. It was my understanding that the Credit Card Act of 2009 made it the law that companies had to apply any " overpayment '' ( anything paid above the minimum payment ) to my highest interest balances first and pay those off before moving to the next highest interest. When I called US Bank and asked them about it, they said the law changed and they were not required to do anything of the sort. They could apply my money how they see fit and have been applying my entire payment to the lowest interest balances, which is why my 0 % interest balances were paid off before the 25 % cash advance was paid off ( still not paid off technically ).

If they're right, let me know if the law changed or how I'm interpreting this wrong. But I couldn't find anything that said that info was correct and it appears they're breaking the law by doing this to me. Let me know though! Beyond that, if they're doing this to me, they're doing it to their other customers too!

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 2019-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
CRA placed a fraud alert on my credit report without asking me or obtain8ng my approval. Likewuse, the alert tells creditirs to call me but provides no phone number to contact me. As such, i have been denied credit, specifucally from XXXX XXXX XXXX  for this issue alone. They aporoved and were going to open my account but declined. Ecause if this alert and no way to contact me. I have tried numerous times to have it removed to no avail. This includes emails, faxes and letters vial mail with the proper request and required identification difyments. I again tried last week by facing, mailing, and trying to upload online as directed. Their online submission keeps gaving internal errors ampnd will not finess processing and submitting. I have also been hung up when trying to reach someone by phone and now can not access my online account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
See attached documents, the personal information you are reporting are 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 2023-03-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I do not have exact records of these things as I never thought I would be compensated for wrongful actions and practices committed against me by wells fargo. To my memory I had a business checking account with wells fargo around XXXX. I was incorrectly charged almost XXXX dollars in overdraft fees and was bullied into thinking this was normal and paying them. Shortly after paying the remainder of my " fees '' I closed my account as to not be stolen from any longer. The entire ordeal was awful and they fought me on every single thing I tried to do. I would like as much of that as I can possibly get back. Thank 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 explanation
Consumer complaint received 2023-02-25
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the fair credit reporting act, the following creditors have violated my rights : XXXX ... XXXX ... ... ... ... ... ... ... ... ... ... .. account # XXXX, XXXX ... ... XXXX XXXX XXXX ... ... ... ... ... ... .. account # XXXX, XXXX XXXX XXXX ... ... ... XXXX XXXX ... ... ... ... ... ... ... .. account # XXXX, XXXX XXXX ... ... ... ... ... XXXX XXXX XXXX XXXX accoun t # XXXX, XXXX XXXX ... ... ... .account # XXXX, XXXX XXXX XXXX XXXX ... ... .... account # XXXX, XXXX XXXX XXXX ... .... account # XXXX, XXXX XXXX XXXX XXXX XXXX ... ... ... ... ... ... ... .account # XXXX, Department of ED/XXXX ... ... ... ... .account # XXXX, XXXX XXXX ... ... ... ... ... ... ... ... ... ... ... ..account # XXXX. 



15 U.S.C. 1681 Section 602A states I have a right to privacy.

15 U.S.C Section 602 Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions

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 2023-11-18
Company: ALLY FINANCIAL INC.
State: IL
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:
I have multiple inquiries from car loans and one inquiry for a mortgage loan that I did not authorize. I submitted an FTC 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