BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-31
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was forced into forebearance, rather than being given repayment options right away. I was left in the dark to increase interest. I have not worked in 2 years, and the company knows this, but still accrues interest, when I can not pay it back. Where is the assistance I was allegedly promised when I undertook this student loan scam? I've been harassed, treated poorly, and avoided to increase my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Grant & Weber
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:
Bill collectors Grant and Weber state that I have an outstanding debt and have filed a report with XXXX causing my XXXX  score to drop XXXX  points. I contacted Grant and Weber and they have no record of my name, social security # or address on file but will not remove the issue.

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 2023-09-19
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 hope this letter finds you well. I am writing to express my deep concern and frustration regarding the persistent presence of fraudulent items on my credit report despite numerous attempts to have them removed. 

I first became aware of the fraudulent items on my credit report. Since then, I have diligently followed the necessary procedures to dispute these inaccuracies. I have submitted detailed explanations, supporting documentation, and any other required information as part of my attempts to rectify the situation. 

Regrettably, my efforts have been met with continuous resistance, and the fraudulent items remain on my credit report. This situation is not only compromising my financial well-being but also causing considerable stress and XXXX 

I understand the importance of maintaining accurate credit reports to ensure the integrity of financial transactions and decisions. The fraudulent items in question pose a significant threat to my creditworthiness and financial stability, and I can not overstate the urgency of their removal. 

I kindly request that you conduct a thorough investigation into this matter and take immediate action to remove the fraudulent items from my credit report. Additionally, I am seeking clarification on the reasons for the repeated failures to address this issue adequately. 

I understand that resolving cases of fraud can be complex, but the persistent nature of this problem is deeply concerning. I trust that you will treat this matter with the urgency and seriousness it requires, ensuring a prompt and comprehensive resolution. 

If this matter is not addressed to my satisfaction within the exact timeframe from the date of this letter, I may be left with no choice but to escalate my complaint to the appropriate regulatory authorities. I am asking for your assistance to remove these fraudulent items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-31
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$3400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$15000.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: Dealer Finance of Western Kentucky
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/20 I called to make a payment on my car. I asked for the pay-off amount and they said XXXX. So, I made a regular monthly payment of XXXX on today. I asked why do I still owe so much. They said I was being charged 5 % after my due date which in on the 5th of each month. My loan was sold to this company two years ago without my knowing. In addition, the former loan company and the new company never bothered to let me now in writing of the change. If I was made aware I would have paid the extra fee to have my due date changed. I would have also made sure to pay by the 5th or change the due date to avoid the 5 % unknown fees they charge each day after the 5th. 

I even let Dealer of XXXX XXXX XXXX Kentucky know that I even called the company that sold my account to them to ask them why did they sale my account, because I was on time and getting the payment down. Each month for two years, I called to Dealer Finance of Western Kentucky to make a payment and they never told me about any fees or how high the fees was each month. Basically, they never informed me or made me aware that the XXXX payment was not being all included in my monthly payment. I being robbed. This company is staying in business by conducting bad business surviving off late fees that clients may not be aware of. They should be investigated. I had a remainder balance of XXXX last year and after 12 payment I owe XXXX as of today. Somebody help! 

When I asked for a copy of my account and the history they were hesitated about it. I asked the XXXX XXXX why was I never informed, isn't the goal to better inform the clients of services and products. 

I also never agreed to be contacted by their automated dialer from XXXX XXXX. This is mainly because I was never been informed my account was sold and bought. The Company never sent anything in regards to my account number, in which I am unaware of what it is. Moreso, the loan number, I am unaware of what that is also. I never received a payment book, email of any payment transaction or by mail. The company never kept me abreast in any outlet to know any account details. 

The XXXX XXXX made the comment you can contact someone about it, since I did not like the way they were doing business. I told him, I will do just that. 

I. I was never informed that my account was sold II. The new company claims they wrote me, but I never was informed of the Dealer Finance of Western Kentucky until they called me about my payment. 
III. No access to view account details online IV. They charge a $ XXXX service fee for payment over the phone ; although there is no other method to avoid the high fee. 
V. Charges a 5 % fee for each day after the 5th of the month ( which is my due date )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Until now, I received NO resolution from Transunion, XXXX and XXXX despite my numerous efforts of sending them multiple letters in a mail. I have already spent so much time and money with these incorrect items that these agencies has been furnishing on my credit report. All I want for to have these accounts be totally remove from my credit report. 

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 2023-10-16
Company: EQUIFAX, INC.
State: FL
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 strongly request that you act quickly to eliminate the unauthorized inquiries from my credit report. They are causing significant distress and I have supplied the necessary documentation for verification. Please expedite your investigation into 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 non-monetary relief
Consumer complaint received 2023-09-03
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The XXXX XXXX company that manages XXXX XXXX XXXX XXXX XXXX forwarded false debt in the amount of XXXX to National Credit Systems Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RESIDENT VERIFY In accordance with the Fair Credit Reporting Act. The lists of accounts below violates my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 sincerely urge you to remove this item from my credit report as it's not associated with me and is completely fraudulent. I kindly ask that you swiftly investigate and correct this inaccuracy on my credit history.

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 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 noticed some inquiries on my report that were not authorized. I have tried to fix this with the companies.

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 2023-04-13
Company: Experian Information Solutions Inc.
State: MO
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:
XX/XX/23 There is incorrect personal information on my Experian Credit Report. More specifically, two addresses I never lived at. When I attempted to dispute this information on my Experian Credit Report via their online dispute portal, I experienced technical issues. Their system would indefinitely stall when you targeted the data to be disputed and it was loading the reasoning for the dispute ( I could see this greyed-out reasoning-for-the-dispute drop-down menu in the background as the system stalled to process the dispute further ). I then contacted Experian 's National Consumer Assistance Center at XXXX. However, the automated system only provided very generic information on how to either get your credit report and score or, alternatively, report fraud. Whatever option you chose and no matter what you did, generic information was provided that was not helpful as the automatic system blocked me from speaking with anyone about the technical issue ; or, alternatively, filing the dispute with someone online. Such resources used to be available. 

I cleared my cache, cookies, and history and tried different web browsers. Nothing worked. Further, I tried to submit the dispute on my XXXX XXXX ( i.e. not an outdated phone, by any means ). This led to the same technical issues. 

Therefore, Experian is essentially disallowing me from disputing critically incorrect information on my Experian Credit Report on a critical time schedule and further disallowing me from speaking to someone towards expeditious resolution. I am moving very shortly and inaccuracies on my credit reports are extremely problematic. Please assist. 

XX/XX/23 First thing this morning, I tried all of the above, once again. Same results and issues.

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 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX reviewed my Transunion Credit report and noticed some unauthorized inquiries. I have attached supporting documentation below. 

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 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 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 explanation
Consumer complaint received 2019-09-16
Company: The Stark Collection Agency, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My ex wife of 10 years passed away in XX/XX/XXXX. I helped my children dispose of and empty out her apartment. I called XXXX cable company to let them know the service needs to stop and cable boxes need to be returned. They advised me the first week of XX/XX/XXXX they would send me boxes to return the equipment. They never did. Stark collection agency sent me a collection notice. I called them and informed them this was my ex-wife 's account and tds never sent me boxes to return the equipment. XXXX at starks advised me that they tds would send me the boxes to return the equipment. They did not. I called starks agin in XX/XX/XXXX. Told XXXX the same thing. He assured me XXXX would send me the boxes to return the equipment. They did not. I spoke with XXXX again the first week of XX/XX/XXXX and XXXX assured me tds would send me the boxes. They did not. Then i see today a collection from starks is on my credit report. This false and misleading. 1. i do not owe any of my ex-wives bills. we have been divorced for 10 years. 2nd. I will return the equipment when they send me the boxes. I asked XXXX for an address to send the equipment back myself today and he would not provide me with the address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Credit Report is showing inaccurate information. I have reached out the the reporting agencies ( Equifax, XXXX XXXX XXXX ) Several times to have this issues resolved. The only response I receive is the dispute has been completed and the account has been verified. 
All 3 reporting agencies are showing different : 1. Account Opened Dates 2. Account Activity Dates 3. Payment Status Dates This account has been re-aged by the credit bureaus and this is a major violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: WESBANCO BANK, INC.
State: KY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I own a company and have 1 new employee and 1 old employee that have the same name in our payroll system. 

On XX/XX/2023 we accidently submitted a ACH to the wrong person ( old employee ) for {$2000.00}. 

We contacted the old employee about the error and they told us the account we sent the money to was closed yet he still had access to view it. He verified the {$2000.00} deposit was added even though the account was closed. 

We contacted our XXXX XXXXXXXX and filed out the form to reverse the {$2000.00} on XX/XX/2023. 

On XX/XX/2023 WESBANCO denied the reversal due to the " account being closed '' which actually seems for an perfect reason to process a reversal as it was an obvious error. 

We contracted his Bank WESBANCO on XX/XX/2023 and they denied talking to us about why they denied our reversal. 

We then conacted WESBANCO Bank XX/XX/2023 with the old employee on the line and they told us they were returning it in XXXX to 5 days. 

XX/XX/2023 we contacted WESBANCO on why it wasn't returned and they said they were keeping the XXXX for themselves. 

WESBANCO is attempting to use an ACH error to a closed account the keep funds knowing its a fraudent practice.

Company response to consumer: Closed with explanation