BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-26
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account XXXX showing XXXX, XXXX of XXXX  incorrect payment status Account XXXX showing XXXX of XXXX   incorrect payment status -Also failed to report XX/XX/2020 payment status on my consumer report. 
-These account has never been late or had ever been late with another XXXX XXXX in the past. 
-They also failed to notify me at least 21 days prior my due date.

Under U.S Code 1666b, they must do so in written to notify, but had never did so.

Also under 15 USC 1681i ( 2 ) ( A ) ( i ) My transactions and experiences ( such as late payments ) between myself and the lender are excluded and can not be used to construct a consumer report. 

" The CARES Act, which was signed into law on XX/XX/, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. ) ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07
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 belongs to someone else

Complaint:
It has been brought to my attention that you are not blocking files when theyre sent with an XXXX  XXXX report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$74000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance XXXX {$5200.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$25000.00} ; XXXX  ( XXXX Creditor : XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$5100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$70000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: CA
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:
To whom it may concern, The reason for this complaint is to delete incorrect information on my credit reports. The incorrect information is an unauthorized inquiry from XXXX XXXX XXXX XXXXXXXX on the date XX/XX/XXXX. 
On XX/XX/XXXX XXXX XXXX agreed to have this inquiry removed, sent the removal request to all three credit bureaus but so far nothing has happened to my credit file. I attached a copy of their letter. Simply they requested that all three credit bureaus remove this unauthorized inquiry from my credit file but so far there has been no action from Experian, XXXX and XXXX. I am devastated by their lack of action. 
Please make sure that this matter is taken care of promptly as existence of this incorrect information is unjustly causing harm to my credit file. 
Thank you in advance for your immediate attention to this matter.

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 2023-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
My name is XXXX XXXX, I live in XXXX XXXX, Nevada Most people consolidate their debts by moving the balance from high interest credit card to lower interest credit card. That was exactly what I did. 
Back in XX/XX/XXXX, I requested a check of {$1000.00} from Capital one ( account # XXXX XXXX XXXX XXXX ) to pay my other credit card name XXXX XXXX  ( account # XXXX XXXX XXXX XXXX ). And I expected that my XXXX XXXX  credit card was paid off. But after 2 months, I received statement from my XXXXXXXX XXXX credit card that the balance was not paid but Capital One was charging me the {$1000.00} that they were supposed to pay for me. Then I immediately called Capital One and found out that they did send out a check of {$1000.00}. But instead of sending the check to XXXXXXXX XXXX, they sent the check to XXXXXXXX XXXX. A copy of the check front and back is enclosed below. I called the Capital One several times, I even spoke to the manager and the manager called XXXXXXXX XXXX, we were on 3 ways call, but the XXXXXXXX XXXX were not able to locate where the {$1000.00} was. 
In the mean timem since the check of {$1000.00} was sent out, Capital One was charging me the interest of it. And since my XXXX XXXX  did not received payment, they were charging me late charge plus interest. I am now paying interest on both account. 
I called the XXXXXXXX XXXX  myself, because I do not have an account with them, they could not help me. In the back of the enclosed check below had lots of numbers. I am sure that those numbers tell where the money went to. I had been paying interest on both credit cards for more than 4 months. 
I am writing you this lettert and I hope that you can help me to investigate in this matter. 
Your help is greatly greatly appreciated! 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: MI
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, United States Department of Education account number XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX  account number XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX Bank account number XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX  account number 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 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: FORD MOTOR CREDIT CO.
State: CA
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 have been a customer with Ford and Ford credit for 6 years. I bought a new XXXX in XX/XX/XXXX and my first payment, due XX/XX/XXXX and paid XX/XX/XXXX was applied to a previous, closed account. Ford reported 30 day lates to the bureaus for 2 months because of this. A letter was provided to me by Ford that acknowledges the reporting error and internal correction.

We have been in Escrow on a new house for our family of 7 but this dropped my score 100 points and made us ineligible for the loan. XXXX, who is working with our lender to get my credit score fixed, asked for the tense in this letter to be amended from future to past so that they can submit to the bureaus with a rapid request. That requires one single word to be changed from will to have. Ford refuses to do that and now we have lost our home. I have been told that there is nothing left that anyone at Ford can do to help.

In 6 years, I have never missed or been late on a payment to Ford. This has dropped my score so significantly that APRs on my credit cards have increased, while credit limits have decreased. 

Ford told me on XX/XX/XXXX and multiple times since, that they have sent a letter of correction to the bureaus. Yesterday, XX/XX/XXXX, they admitted that wasn't true and just a nightly data feed is sent to the bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-30
Company: EQUIFAX, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
I sent you letter XXXX requesting an an investigation into any unusual items on my credit report. I have not received a letter from you, nor have I received any evidence that an investigation has begun. Section XXXX XXXX a ) clearly state a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report. It has been XXXX  days over so they should be deleted promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: Lending Club Corp
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:
LENDING CLUB CORP- Account number XXXX*is reporting on my credit report. I have been a victim of identity theft and have sent documents to Lending Club proving that I am a victim along with copies of my credit reports, identity theft affidavit and police report. They have failed to respond. This account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: ACIMA CREDIT, LLC
State: IN
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:
In XXXX I called Acima and told them I had been put on leave by my job to the COVID-19. I told them I was not working and there is no way I could make payments to my account. They told me that they would put my payments on hold until I started working again. However, for the past few months they have been reporting missed payments to my account after I told them I would not be able to make the payments due to being out of a job due to the pandemic. This is extremely frustrating and inconsiderate at a time such as this when people are not even able to pay their rent and put food on the table for their families because of such a deadly virus. It is not fair that my credit has to be impacted for something I had no control over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Wrong information my account some old accounts over 7 years old and hard inquires need too come off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Selene Holdings LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello I have desperately applied for loan modifications with Selene finance but being told my income is too low. 

Now I am requesting a loan forbearance until I can regain gainful employment. 

Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I went to the atm to withdraw the money it told me i exceeded my daily limit. That was impossible because I havent even token cash out of this account that day.i tried to withdraw XXXX dollars today from the atm and I couldnt. But I magically got charged the money and Wells Fargo will not refund my money. I even got a paper from the business saying the transaction failed on there end. Wells Fargo is a bunch of crooks.

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 2021-10-05
Company: EQUIFAX, INC.
State: WI
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later i have not received a response yet. I feel like i am being taken advantage of and i am being ignored of my dispute section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days give a reason to immediately remove these items from my credit report it has been over 60 days, so they should be deleted promptly i demand these accounts be delete it immediately or i will file for litigation due to the stress you caused me. My information was also impacted by equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Stern Recovery Services, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
This account is a charge off/closed

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 2020-01-12
Company: Law Office of Charles G. McCarthy Jr. & Assoc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have a very old debt from the law office of Charles G McCarthy Jr and Associates Collections. There is a line on my credit report / collection for {$600.00}. I believe this was for XXXX XXXX for a lease. Just in XX/XX/XXXX XXXX XXXX granted me a new lease for over {$2000.00} line of credit. I believe if they were worried about it or I owed a debt to them, the original creditor would not have allowed me to open another line of credit if I owed the in the past. 

Get this XXXX off my credit report as a collection and completely remove the line off of here. I'm going to start suing these individuals for very old debt on my credit report and still trying to collect on it. 

I believe this was included in bankruptcy originally as I filed in XXXX of XXXX and should have been included. when it was discharged last year, this law firm put this line of collection back on my credit report AFTER the discharge. 

This debt is no longer valid. Get this XXXX off here NOW.

Company response to consumer: Untimely response
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It's ridiculous because I have always paid this account on time and have never been 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 2021-06-24
Company: EQUIFAX, INC.
State: OH
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:
Date XX/XX/2021 Name XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX Credit Bureau Name XXXX, EQUIFAX, XX/XX/XXXXCredit Bureau Address Re : Request to Remove Unauthorized Credit Inquiry Dear Sir or Madam, I recently received a copy of my XXXX, EQUIFAX, XXXX  credit report and I notice there is an unauthorized credit inquiry made by ( ). I do not recall authorizing this credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into 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 AUTO inquiry to determine who requested this credit inquiry. 

If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am in error, then please send me proof of this. 
Thank you in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ON XX/XX/XXXX I WENT TO A XXXX DEALER IN XXXX, AND APPLIED FOR A LOAN TO BUY A CAR, THEY WENT AHEAD AND RAN MY CREDIT WITH 5 OTHER BANKS WITHOUT MY AUTHORIZATION, NOW I HAVE ALL THOSE INQUIRIES FOR NO REASON, EVEN WORSE I DID NOT BUY THE CAR THERE..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, 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 ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: CITIBANK, N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Received a new letter for an increased amount of XXXXXXXX Citibank in IL closed my DC account, and still has yet to respond to my initial complaint. 

This is harassment on a person with disabilities. This is also not acceptable due to my status as a federal public official ( past ).

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 2020-10-17
Company: Shellpoint Partners, LLC
State: WA
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 went into forbearance around COVID and was granted forbearance. I started trying to set a resolution a month in advance ( beginning of XX/XX/XXXX) of the forbearance ending but they said I had to wait, and then seemed to imply that I couldn't start paying the mortgage again even though I said I could. They were non-responsive to the requests to come to a resolution, and when they finally talked with me they made me feel like they may try to start foreclosure for no reason so I paid the entire {$20000.00} at once to cover all payments during the forbearance period. They then reported the whole forbearance period as a late payment and my credit has dropped 100 points because of it. In 20 years I've never had a late payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On or around XX/XX/XXXX, I received a bank statement from TD Bank for an business account that I did not open. 

On XX/XX/XXXX, I spoke with a branch manager and customer service rep at a XXXX, MA TD Bank location, and neither of them could tell me who opened the account. They told me that the account was opened online and provided me with the XXXXertificate Regarding Beneficial Owners of Legal Entity Customers. ( See attached ) When I XXXX  the source of the deposit ( XXXX XXXX ), I found the following : XXXX XXXX XXXX XXXX XXXX XXXX is a recoverable assistance program offered by the XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( the Bank ) that helps members provide financing for qualified small business transactions by. filling the gap between what the member can finance and the loan request by the eligible small business.XXXX XXXX XXXX I did not request this loan. 

I do not want this loan. 

I did not open this account. 

I believe this is a fraudulent attempt to sign me up for a business loan. 

The Branch Manager offered to close the account and give me the money in the account. I did not accept this because I believe that it would mean I accepted the loan ... .which I didn't request and don't want!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-04
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
ATTENTION : THE FOLLOWING INFORMATION NEEDS TO BE UPDATED AND CORRECTED ON MY CREDIT/CONSUMER REPORTS. I DO NOT KNOW WHY THIS HAS NOT BEEN UPDATED SINCE I HAVE MOVED HERE. THIS HAS BEEN A CONSTANT ISSUE FOR ME. PLEASE UPDATE MY CELL NUMBER AS WELL. 


CELL NUMBER XXXX PRIMARY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX PLEASE FEEL FREE TO CONTACT ME FOR ANY REASON AT THE GIVEN NUMBER OR AT MY EMAIL ADDRESS. I HAVE INCLUDED COPIES OF MY SSN CARD, LICENSE, UTILITY BILL, AND MY MONTHLY PHONE STATEMENT. THANK YOU FOR YOUR COOPERATION IN THIS MATTER. 




XXXX XXXX XXXX EMAIL : XXXX XXXX : XXXX

Company response to consumer: Closed with explanation