BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-19
Company: WELLS FARGO & COMPANY
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent all three credit bureaus three level of dispute letters and contacted each creditor reporting inaccurate negative items on my credit report. Each time i have either no received a response or it came back verified without explanation on how it was verified and how did they prove it was my account to begin with. Both the creditors and Credit bureaus have been in complete violation of my rights writing in the Fair Credit Reporting Act and causing me to have a tough time obtaining knew credit. Below I will list each of the creditors that i have sent validation letters to and received nothing back. 
Wells Fargo

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 2018-12-26
Company: HYUNDAI CAPITAL AMERICA
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 status incorrect

Complaint:
I had a car and loan with XXXX XXXX XXXX.   I havent had this car for more than 2 years but it still shows open on my credit report, although it shows up to date,  it goes against my debt to income ratio when trying to get a mortgage.    I have contacted them earlier this year to have it removed when I tried to buy a house and they sent the mortgage company a letter stating the account wasn't open but it stills shows on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-15
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I sent a dispute letter to EQUIFAX on XX/XX/2021 pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: SYNCHRONY FINANCIAL
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:
Back in XXXX a Guitar Center employee signed me up for a credit card only to find out that the product I wanted was NOT available. So because of this I closed the account with them because I did not authorize a hard pull due to the fact that the item that I wanted was not available. This is XXXX XXXX because when I went to go get a XXXX Credit Card last week they did a hard pull and told me that I was denied because of Synchrony Banks/Guitar Centers mistake. My credit score is XXXX so I really don't see the problem besides it being that. I need to get Synchrony Bank off of my credit report immediately so I can be reconsidered for the XXXX store 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 non-monetary relief
Consumer complaint received 2020-10-09
Company: WELLS FARGO & COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Wells fargo and XXXX XXXX both never followed up in the mail only calls after hours and that my credit would be ruined if i dont pay a debt thats not owned by me. I told them and they said they dont care. Im new in this country I would never ruin my relationship in america.  someone took advantage of me and my family. 

wellsfargo rep said we cant understand your language go to school then call us. 

XXXX rep only said we cant help you you must pay or your credit will be ruined and its on you if you get 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 2021-10-15
Company: AES/PHEAA
State: FL
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 LATE payment on my credit report that should never be report because I was attend school. In 2017 I attend college which I attach the certified letter from the VA education office showing all the date that I attend school. I'm requested the late payment to be change to on time payment an current.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: National Credit Systems,Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021, Certified Mail Package ending in XXXX was sent to NATIONAL CREDIT SYSTEMS regarding the account reported on my consumer credit report, for the amount of {$1800.00}. There has been no official rebuttal to my Affidavit of Truth, this company remains in violation of laws that govern US commerce. This company reported the account as closed on XX/XX/2021 to XXXX, updated the balance only, still inaccurately reporting this account on XX/XX/2021 to XXXX. The failure to comply with law pertaining to consumer credit has caused me and my dependents great harm. This account remains unverified and should be deleted immediately from all consumer credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Credit bureau is in violation of FCRA, GRAMM-LEACH-BLILEY ACT and 49 CFR 801.56 among others.

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 2017-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Credit reporting agency incorrectly keeps reporting a collection account from XXXX XXXX on my credit report. It shows the balance being updated in XXXX for {$680.00}. I asked for this debt to be verified and because XXXX XXXX has not provided any proof of this debt or verification, it should be removed. Credit reporting agency keeps reporting it as true and on my report although it is not and has not TRUELY verified the actual debt from the debt collector.

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 2019-05-16
Company: Titanium Funds
State: UT
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:
Titanium Funds account # XXXX was included in a discharged chapter XXXX bankruptcy docket # XXXX and they are still reporting negatively every month and reporting a balance. They are in violation of the Bankruptcy Stay and the next correspondence will be from my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: EQUIFAX, INC.
State: NY
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/2019 and also on XX/XX/2019 and on XX/XX/2019, I sent Equifax a total of 3 dispute letters on an account from XXXX XXXX and have sent it certified and I still haven't received a deletion to a paid settled for less than full balance and they are stating that its late 120 days on a closed account that they marked open I have given them a full 3 months and they refused to resolve it they clearly violated the FCRA law and have received no answer to results its still reporting on XXXX XXXX when XXXX XXXX claimed they deleted the account between XX/XX/XXXX and XX/XX/XXXX and yet it still reports so I am trying to get a straight answer should be deleted and yet it is reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Bank of America Complaint ID number : XXXX I have a Bank of America cash rewards credit card and my BoFA bank branch is in Pacific Time zone. The credit card statement, bank website and mobile app advertises the due date as XXXX every month. I always make my payment online before the due date Pacific Time assuming that due date advertised is as per the time zone of my bank branch. However, I was still charged late fees. This happened for following months : 1. XX/XX/XXXX - Late Fee {$25.00} + Interest {$11.00} 2. XX/XX/XXXX - Late Fee {$25.00} + Interest {$25.00} 3. XX/XX/XXXX - Late Fee {$39.00} + Interest {$3.00} 4. XX/XX/XXXX - Late Fee {$39.00} + Interest {$10.00} 5. XXXX XXXX - Late Fee {$39.00} + Interest {$11.00} Issue Timeline : 1. XXXX XX/XX/XXXX : I noticed this issue and filed a complaint with bank. I was, however, informed that the payments are expected to be received by XXXX Eastern Time. The agent reverted late fee forXX/XX/XXXXas courtesy. However, she expressed inability to revert late fee charges for preceding months. The on call agent promised to escalate the issue and promised a call back in 24 hrs. 

2. XXXX XX/XX/XXXX : I received a call back from the bank. However, the agent was unable to help me and promised to further escalate the issue. She also promised a call back in 48 hrs. I never received this call. 

3. XXXX XX/XX/XXXX : After receiving no call back, I called the bank to followup on the complaint state. On call agent expressed inability to help with the issue and advised to wait more time for review process to complete and receive a call back. He also recorded my complaint about no call back received. 

4. XXXX XX/XX/XXXX : Having still not received any call back from the bank, I again called the bank to followup on the issue. The agent informed that bank is not able to refund the late fee charged since the XXXX XXXX XXXX document specifies the due date as XXXX of every month Eastern Time. 

I have had this credit card for over 3 years now and I have always made my payments on time without issues. The credit card statement, bank website and mobile app fail to specify time zone for payment due date which led me to believe that the due date is with respect to location of my branch. I feel that the bank is providing incomplete/incorrect information causing confusion about the actual payment due date and time leading to late fee payment fines. In addition, it is impractical to expect a consumer to read XXXX XXXX XXXX document for payment due date every month before making payment especially when the due date information is advertised on credit card statement and bank website. 

A screen shot of the credit card statement and bank website with payment details has been 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 monetary relief
Consumer complaint received 2021-11-10
Company: TD BANK US HOLDING COMPANY
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:
Target Credit is reporting my credit card length and payments incorrect. I have spoken to customer service several times and they still are reporting incorrect status. It is showing on my XXXX that I have only made 56 % payments on time which is outlandish and very incorrect. 

I opened this credit card on XX/XX/2011 but target is not reporting any payments and saying NO DATA on my credit report. They need to fix this as its effecting my credit report and making it go down.

Target needs to fix my payments and show they have been on time instead of no data. This is hurting my score. 

Thank you for all your help, I am trying to purchase a home for my family and need this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 HAVE REACHED OUT TO THE BUREAUS AND ASKED THEM TO REMOVE THE INFORMATION RELATED TO IDENTITY THEFT. I SUBMITTED AN FTC THEFT AFFIDAVIT AND POLICE REPORT BUT THEY HAVE BEEN IGNORED AND THE FRAUDULENT INFORMATION IS STILL BEING REPORTED.

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 2017-11-16
Company: JPMORGAN CHASE & CO.
State: NY
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:
Paid {$270.00} for a conference, but found that my health system paid for the bill. Credit card company has all the check information, but wont refund my money. Check # XXXX was cut on XXXX for {$1000.00} ( 4 registrations @ {$250.00} each ) and sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The check was for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: MoneyLion Inc.
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 been trying to stop a company called Money lion from reporting a fraudulent account on all three of my credit bureau accounts. My former bank even got involved and flagged it as fraud, refunded the money taken and had to open a new account for me in order to stop this company from withdrawing funds for some sort of program they calm I signed up for. It's also reports as a bad debt and I have disputed with all three credit bureaus but it's still there. This has now caused me to be denied a loan for a house. A house my family needs for our XXXX son. This is also hurting my credit for my company. I do not owe this company money and need this removed before it costs my family anymore than it already has. I have all of the correspondences from XXXX XXXX as proof that this was a fraudulent account and fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: Experian Information Solutions Inc.
State: CT
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 HAVE REACHED OUT TO THE BUREAUS AND ASKED THEM TO REMOVE THE INFORMATION RELATED TO IDENTITY THEFT. I SUBMITTED AN FTC THEFT AFFIDAVIT AND POLICE REPORT BUT THEY HAVE BEEN IGNORED AND THE FRAUDULENT INFORMATION IS STILL BEING REPORTED.

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 2019-09-13
Company: Transfinancial Companies, Inc
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I asked this company to provide me valid information that ties me to this alleged debt. They responded with a bill. I dont believe this is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
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: Personal information incorrect

Complaint:
on XX/XX/2018, i sent Exoerian a certified letter, asking to remove OLD addresses and the various names that are listed on my credit report. They have NOT made the corrections, I sent a copy of my drivers license bearing my correct address along with copies of utility bills and even had it notorized!! 

The Only address that should be listed is XXXX XXXX XXXX XXXX , XXXX XXXX, Va XXXX My name is XXXX XXXX or XXXX XXXX all other name variations must be deleted This is inaccurate reporting, I cant not be reached at these addresses by United States Postal Mail. They have failed to update their database, and the entries should be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: AMERICAN HONDA FINANCE CORP
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Repo man came at XXXX XXXX  on XX/XX/21 to repo car. I've contacted finance company but haven't received any written statements and I've been locked out of my account online. They will sale my car on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: USCB, 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: Account status incorrect

Complaint:
XXXX XXXX/XXXX  XXXX is listed on my XXXX credit reports and these accounts are inaccurate and were paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
American Express send a card under a wrong name I have been requested American Express to correct my name and I send them copy of the driver license passport first they didnt except it via fax I dont use envelope or stamp for a year I had to buy envelopes and stamps and still American Express failed to correct my name. 
I dont undrestsnd what they trying to achieve by making it difficult and giving me a hard time I cant use the card because it doednt have the correct name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
For the second time XXXX XXXX inaccurately reports mortage balance higher than actual balance. By inflating the existing balance in addition to the new escrow balance, they report an inflated balance to credit reporting agencies while reporting the actual balance to customer. When challenged on why they do it they say its to benefit the customer, but often fall short of specifying how.

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 2018-12-26
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: Information belongs to someone else

Complaint:
I have no idea where this account cane from. But my personal information may have been used through data breaches with several companies to include XXXX. This is either a fraudulent account, or belongs to some one else. It's showing XXXX XXXX XXXX reporting this but the account is showing to be originated with a company called XXXX XXXX. I have never applied for a pay day loan for this company ever. I would like to have it removed frommy credit report with all the major credit reporting agencies as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-26
Company: Midwest Recovery Systems
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: Information belongs to someone else

Complaint:
I have no idea where this account cane from. But my personal information may have been used through data breaches with several companies to include XXXX. This is either a fraudulent account, or belongs to some one else. It's showing Midwest Recovery Systems reporting this but the account is showing to be originated with a company called XXXX XXXX. I have never applied for a pay day loan for this company ever. I would like to have it removed frommy credit report with all the major credit reporting agencies as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: EQUIFAX, INC.
State: TX
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: Problem getting your free annual credit report

Complaint:
I tried pulling out my credit score from 3 credit bureaus and two companies show my credits scores ( XXXX  and XXXX ) but Equifax does not show anything, and it shows to call their number whenever I try to log on with my credentials ( attached the screenshot ). But even after inputting my social security information and everything they just kept saying they do not have my record. They should also have the record since 2 other companies have been updating my score.

Company response to consumer: Closed with explanation