BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX account XXXX and XXXX XXXX XXXX account XXXX both should be deleted from my credit file according to the settlement agreement documents that I have attached to this dispute. I mailed these same documents on XX/XX/2020 via certified mail for investigation but it does not appear they were not used in the investigation of my dispute that was assigned Experian report number XXXX. These documents show that I settled in full both accounts and that XXXX XXXX XXXX will request deletion of both tradelines.

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 2022-11-04
Company: Experian Information Solutions 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:
Please help, I noticed inaccurate accounts associated with my credit reports from XXXX, XXXX, and Experian. For the past three to four months, I have called as well as mailed all three companies to immediately remove said accounts from my report. My XXXX credit report is showing a charge off with an amount of {$8300.00}, ( charge offs should not carry a balance and should be deleted from my report ). As well as two inquiries that I did not authorize ( plus they're not associated with any open accounts ). My XXXX shows that I have two charge offs for {$8300.00}, {$1000.00} and two inquires. These two should also be deleted as stated earlier regarding charge offs and unauthorized inquires not associated with an account. Experian shows two charge offs for {$8300.00}, {$1000.00} and should be deleted. They also should update my consumer report to reflect these changes. They have failed to do so and it has cost me greatly the access to obtain credit. My interest rates are higher, I am unable to get a mortgage, and live a decent life with my family. Please help me by enforcing these companies to take action by removing the accounts I have mentioned in the letters I have sent to them.

Your service is appreciated.

God bless,

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 2018-12-28
Company: Penn Credit Corporation
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received numerous phone calls from Penn Credit Corporation, or at least that is the name they say they are. The number is XXXX. I have received countless voicemails trying to collect a debt. I do not have any debts in collections, and when I asked these morons who they were calling for, they gave a name that is not mine. These harassing phone calls need to stop.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: EQUIFAX, 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:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT ARE NOT MINE AND ACCOUNTS THAT WERE NEVER LATE. I HAVE FILED SEVERAL COMPLAINTS ON YOUR BUREAU FOR DEADLINE VIOLATIONS WITH THE CFPB XXXX CONSUMER FINANCIAL PROTECTION BUREAU ) I ALSO NEED THE SINGLE ACCOUNT LISTED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO NEVER LATE I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE OVER THREE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUES UNDER THE FCRA. 
I HAVE AN ESCROW PENDING AND THE BELOW ACCOUNTS ARE HINDERING MY LOAN APPROVAL. THE VALUE AMOUNT IS {$850000.00}. IF THESE ACCOUNTS ARE NOT DELETED BY XXXX. I WILL HAVE TO INITIATE LITIGATION WITH THE ASSISTANCE OF XXXX XXXX XXXX XXXX. THIS LAW FIRM. SPECIALIZES IN FCRA VIOLATIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I HAVE READ THE FEDERAL FAIR CREDIT REPORTING ACT AND IN THE LAW, CONGRESS SPECIFICALLY SAYS A CONSUMER ONLY NEED PROVIDE PROPER IDENTIFICATION. YET, EXPERIAN DENIED ME A CREDIT REPORT BECAUSE THEY STATED THE FCRA REQUIRES ME TO PROVIDE A UTILITY BILL. PLEASE HAVE THEM SHOW ME IN THE ACTUAL LAW WHERE IT STATES I MUST PROVIDE A UTILITY BILL. A FRAUD ALERT WAS PLACED WITH EXPERIAN IN LATE XX/XX/XXXX. I AM ENTITLED TO 2 FREE CREDIT REPORTS WITHIN A YEAR.

MY BIRTHDAY IS XX/XX/XXXX AND MY PREVIOUS ADDRESS HAS BEEN XXXX XXXX XXXX, XXXX, CA 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 2021-07-21
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The Collection Bureau of Hudson Valley Inc. has falsely accused me of being the owner of an account that is not mine and for a service that I have never utilized. Despite multiple conversations with a member of Collection Bureau of Hudson Valley Inc. in the early months of the year, I have spoken to a representative within the Collection Bureau of Hudson Valley Inc. twice in which I claimed and informed them of my disassociation with the account and implied/explained that my name was being fraudulently used for the services in which they are representing. I am a victim of identity theft. An identity thief used my personal information without my permission to make the following charges for XXXX XXXX. 

Despite my claim of disassociation from the account and the fraud lock and alert on my credit report for nearly a year, the collection agency reported a fraudulent account to the credit bureaus, severely damaging my credit reputation across all bureaus except XXXX, which promptly and efficiently removed the false collection account from my credit. Because there is a fraudulent lock and report on all of my credit reports, and they have completely ignored all of the risks associated with reporting false information and failing to respond to any requests for verification of the collection amount/service used, the Hudson Valley Inc. Collection Bureau is clearly inadequate and incompetent in its investigative process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: SYNCHRONY FINANCIAL
State: MA
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: Their investigation did not fix an error on your report

Complaint:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my 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 2020-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020, my credit card had three charges that I did not make, one was to the XXXX XXXX XXXX  for {$41.00}, a charge to XXXX XXXX for {$13.00} and one for XXXX for {$87.00}. There was also a fraudulent deposit from a fake account from XXXX XXXX  to my credit card. I was able to get the account number for the XXXX that deposited money into my account. I called XXXX XXXX  and they said there was nothing the can do because the account was not under my name. 

The bank of America Credit card first refunded my three charges. The fraudulent deposit from the fake account eventually came back as fraud. 

However, a month later my charges showed up again and the bank claimed that I had made the charges, even though I had not. I have sent Bank of America a formal letter about the dispute. 

The was from a Bank of America credit card.

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 2021-08-31
Company: Experian Information Solutions Inc.
State: IL
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:
Experian did not have my written consent to put the accounts Ive requested removed in the affidavit 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 2020-07-10
Company: EQUIFAX, INC.
State: NJ
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:
I opened a dispute with Equifax on XXXX for 2 fraudulent hard inquiries and a fraudulent XXXX XXXX XXXX loan account with a balance of {$49000.00}. Per the instructions provided by the FTC, I provided Equifax with the completed FTC Identity Theft report and copies of both the front and back of my driver 's license. After receiving no update from Equifax in the required 4 business days, I logged into the Equifax website on XXXX. Equifax removed the inquires but said they verified the account was mine with blatant disregard for section 605B of the Fair Credit Reporting Act. Unless I misunderstood the FTC 's instructions, the Fair Credit Reporting Act applies to BOTH inquires and accounts. Equifax needs to be held accountable for complying with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo is " stacking debits '' in order to maximize the overdraft/NSF fees they are charging me. For example, my XXXX XXXX XXXX bill was debited from my account causing my balance to be - {$33.00}. I immediately went to Wells Fargo within hours to deposit money into my account to cover the charge. After the deposit my account was positive again. Shortly afterwards I withdrew cash from the ATM knowing that I would be charged an overdraft fee. Once my account balance was negative again, the XXXX XXXX XXXX charge mysteriously disappeared for several days then was re-debited to my account and I was charged another NSF fee. When I called them out on it, they only offered ton refund part of it. I accused them of stacking debits and told them I would file a complaint with the CFPB. They refunded the fee then but now they have done the same thing again today with a XXXX purchase for {$10.00} on XXXX XXXX, XXXX ( TX toll tag ) on XXXX XXXX for {$20.00}, XXXX 's restaurant for {$35.00} on XXXX XXXX and XXXX XXXX for {$7.00} on 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 monetary relief
Consumer complaint received 2018-02-19
Company: LDF Holdings, LLC
State: NH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a payday loan with XXXX ( as it was advertised ) for {$1200.00} back on XX/XX/17 as I was in financial distress. This was done via phone and online. I spoke with a gentleman to complete the process via phone. I was not told of my APR on the phone when applying for this loan, I wish I understood it further as previously I had no issues when borrowing from them before. I have so far paid 14 payments back to date totaling {$4600.00}, I have a total of 20 payments. Upon reviewing this further, I found that this company may not be licensed in the state of New Hampshire to provide loans, if it so is, it's not in compliance with state laws on the max APR and amount allowed to borrow - state of NH states {$500.00} max for the loan amount and no more than 36 % annual interest. My interest rate is 720 %!!! Things like this need to be stopped. They have well enough got their loan amount back and then some.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-28
Company: I.C. System, Inc.
State: TX
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:
I have sent IC Systems and XXXX requests about this collection being reported to see if this is even an actual true debt I owe, neither XXXX  nor IC Systems have sent me aythig to substantiate this debt? How can they just make a claim suggesting that I owe a debt but not provide me any proof of this debt? If that is how credit reporting goes, then ANYONE can just send a bill, claim that you owe it and then damage your credit until you pay them? That sounds a lot like fraud to me and the rest of the world? XXXX  has removed this account from my report because they were not able to substantiate this account, so I am curious how XXXX is able to? Additionally, XXXX is reporting the Date of Last Activity as of XX/XX/2020, making this account appear like a new account, by TWO YEARS! Isnt it a big violation to re-age an account? Isnt that a suable offense? Especially since I have already shown XXXX  their errors and they just updated it to make it a worse impact on my credit? It almost seems intentional. Again, tht seems fraudulent. Can you recommend how I go forward with litigation because this has been injuring my credit and stoppong me from being able to obtain credit.

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 2019-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Multiple accounts that are incorrect are reporting on my credit reports 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 2019-10-23
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Commonwealth Financial Systems is attempting to collect a debt that does not belong to me, while also violating HIPPA laws by obtaining my CONFIDENTIAL medical records. I NEVER signed a contract with Commonwealth Financial System, nor did I give XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, or XXXX XXXX XXXX XXXX XXXX permission to release/sell my personal, CONFIDENTIAL medical records to a third party. 

Commonwealth Financial System needs to delete this alleged debt from all credit reporting agencies NOW, and not return, or sell this alleged debt back to the original creditors or a different collection agency. 

Service Date XX/XX/2016 XXXX Ref # : XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account was hacked and they stole a ALL of my pay check I could not pay the bills that sustain my family and a BECU WOULD NOT HELP ME!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: Early Warning Services, LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My phone number XXXX was used to receive money by another person using Zelle. 

Zelle refuses to give me any information on the person or bank with which my number was registered to receive payments sent to me. 

XXXX XXXX  ( where I bank ) also refuses to open a claim due to the fact that no money was sent from my account. 

I have requested Zelle to unregister MY phone number with that person and the bank, but they have refused to do so stating that probably this number was registered with them before I had it and therefore it is totally legitimate. 

As a result I have not received {$1200.00} sent to me and I can not get any information to start the process of reclaiming the money. 

I am also not able to use my phone number securely in the future since as I now know somebody else has this numbers as his/hers and it is used for banking.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
To whom it may concern, I have been dealing with an issue with Community Choice Financial , Inc ( CCFI ) for almost two years now. The issues and time lines have been addressed previously in CFPB complaint number XXXX. At the conclusion of the complaint, CCFI responded to the complaint asking for me to reach out to a XXXX.XXXX at XXXX x XXXX. I have reached out to XXXX XXXX several times and left messages with no repsonse. Additionally, I have attempted to reach XXXX XXXX by speaking with employees at CCFI asking if they could transfer me to him. Every time I have talked with someone at CCFI, they do not transfer me, they terminate the call resulting in my need to call back repeatedly. I have done this continuously and received the same result, " Hang Up! '' Not only does this make it extremely difficult to resolve the account, it is extremely frustrating and makes me anxious. 

Also in the Company response from CFPB complaint number XXXX, XXXX said they had successfully recalled the collection accounts from XXXX, XXXX XXXX XXXX so the account could be handled internally. Instead of communicating with me like they suggested ; they wo n't return calls, hang up on me repeatedly and then turn around and reassigned my account back out with another collection company XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. 

I see all of their practices in this matter to be harassing and misleading. During this time I have not been able to speak with someone my account has over doubled. There is no interest from CCFI to resolve the matter because they had been charging a usury interest rate that I will not be able to ever resolve. I have paid back nearly twice as much as I borrowed when this whole matter started. 

In the interest of resolving this matter, I request this matter be closed and the account be satisfied. CCFI is a large company that has deep pockets to oppress and corner me. It makes me sick and anxious to think about this matter. I have more than paid back the monies and then some, but they will not take my calls, so the balance can quadruple. I request the response from CCFI be a resolution to this matter, not a request for a call. 

Respectfully, 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 2019-10-23
Company: EdFinancial Services
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: Account status incorrect

Complaint:
EdFinancial is reporting late payments of over 90 days for XX/XX/XXXX, as well as the months of XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. During that time, I was told my loan was in deferment due to unemployment. I was told that although I would be responsible for the debt, I was not required to make payments at that time. I did however pay what I could pay, whenever I could pay it. I recently received a copy of my credit report and found all the months are reporting as over 90 days late. 
I contacted EdFinancial via letter and requested the incorrect information be removed from my credit report as it is incorrect and is a violation of my rights under the Fair Credit Reporting Act. I received a generic response that the information was reported accurately and absolutely no investigation was completed as to why these late payments are being reported. 
Also, I am in process of loan discharge due to false certification, however, the school that I attended has been closed down and I am finding it difficult to obtain copies of transcripts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: WELLS FARGO & COMPANY
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:
Please see attached documentation sent to both XXXX XXXX XXXX Wells Fargo. 

Per FCRA accounts must be reporting to all bureaus with the exact same information. I notified both companies in XXXX that the account was reporting to all bureaus. 

Lastly, the account is listed as a charge off meaning THERE IN VIOLATION OF 15 USC 1681 E ( B ) since theyve yet to supply a 1099-C form that has been requested previously

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