BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-03
Company: American Credit Acceptance, LLC
State: AZ
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:
On my credit report XXXX XXXX XXXX pull my credit Twice gave me more inquires so on XX/XX/2019 saying iam Delinquent and XXXX XXXX , XXXX , ... .Iam unemployed from XXXX in XXXX XXXX XXXX XXXX.Me my wife fell down got hurt.She fell XX/XX/2019 i XX/XX/2019 we tried working one light duty but XXXX Ast Manager over work us, and XXXX XXXX says we have to stay working for XXXX to get paid.We could not get better.we are under doctors care.My wife quit XXXX i quit XXXX turn in uniforms ect.XXXX XXXX of XXXX refused to pay us any compensatation because we dont work for XXXX.That is XXXX law to keep working for same Company you get hurt at.XXXXt employees managers make us work so hard we gone to XXXX and not getting better.Got behind on Mortgage MWR / XXXX County each one would Not keep Roads Clean so we can get to our property.Sometimes we had to stay in Motel for 2months due to rainy days muddy.Now we tempory live here in XXXX we are broke no money now to get back home.XXXX XXXX we ask them for over 6months we was in XXXX and XXXX for XXXX XXXX but they never sent us one.We should of had payment coupon Booklet there interest Rate is so high 26 % and we always paid {$50.00}. more amonth our payment is $ XXXX.we paid $ XXXX.most of the time.Payments due on XXXX of each month plus grace period of 10days.But XX/XX/2019 credit report had 2inquires.Now we trying to get those off credit and get arangements to get lower payment and get up to 45-90 days get caught up.We always paid on time on all our bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: PENTAGON FEDERAL CREDIT UNION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
This is an update with new information for a complaint that had been previously filed against Pentagon Federal Credit Union. The new information is an investigation by the FBI and a letter from XXXX XXXX. The FBI investigation shows that my signature was forged on several documents and one promissory note was altered. The letter from XXXX XXXX confirms that they were duped into providing my personal and confidential information to PenFed. A  Massachusetts 93A Demand Letter has been executed against PenFed.

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 2017-07-24
Company: Experian Information Solutions Inc.
State: AL
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 worked and worked after seeing my Credit Report and saw so many accounts that did not belong to me. I was saddened because I had no idea that it was even legal to report so many things that were untrue. I do not have a problem with paying debt that belongs to me but this is ridiculous because I have no knowledge of these accounts, please remove them immediately! XXXX No knowledge of this debt! XXXX/ XXXX-No knowledge of this debt! Ive never had a XXXX account nor do I have a home to get these services, I am trying to get a home and that is why I pulled my report, I live with someone else currently! XXXX reports 3 times, have n't even been to college so this could not be true! I have no knowledge of this debt. XXXX XXXX, Same as stated before, I have no knowledge of this debt. XXXX XXXX XXXX- No knowledge of this debt. XXXX XXXX- No knowledge of this account! XXXX XXXX -No knowledge of this debt! XXXX XXXX -No knowledge of this debt! I also have unauthorized inquiries and I have no knowledge of these companies! Nor did I give them the authority to pull my credit! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All these inquiries are unauthorized! Please help me to remove these things off my credit. They are stopping me from moving forward and this is very much unfair because this debt does not belong to me!

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 2022-01-25
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: Information belongs to someone else

Complaint:
I was checking my credit report and these accounts still on.. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
on XX/XX/XXXX2022 The credit bureaus stated Account : XXXX  XXXX ( acc # : XXXX ) was properly investigated but how is that possible if the last payment is inaccurate, the date last reported is inaccurate, last payment inaccurate, date closed is inaccurate and times 30/60/90 days late is inaccurate. Payment status is inaccurate. This ground for Removal. 

They also violated my rights under 15 U.S.C 1681 Section 604A Section 2 : The law Clearly states a consumer reporting agency can not furnish a account without my written instructions They also violated my rights under 15 USC 1681 section 611 ( 2 ) ( a ) : The Law Clearly states the credit bureaus have 5 days to notify me from when they receives my disputes. 

They also violated my rights under 15 USC 1681 section 611 ( 5 ) ( a ) ( l ) ( ii ) : The Law clearly states if the item are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I applied for auto financing and I was told by the dealership that only 1 inquiry would be done. However, I see multiple inquiries. 

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 2020-10-06
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft in XXXX. I have had several other phone bills in my name from multiple different states and companies. Please look into this. I've only had sprint in XXXX and that was on someone else 's plan. I'm in the middle of recording my credit and now my score just took a bit for 50 points. I would like my points back please.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: EQUIFAX, INC.
State: AL
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 worked and worked after seeing my Credit Report and saw so many accounts that did not belong to me. I was saddened because I had no idea that it was even legal to report so many things that were untrue. I do not have a problem with paying debt that belongs to me but this is ridiculous because I have no knowledge of these accounts, please remove them immediately! XXXX No knowledge of this debt! XXXX/ XXXX-No knowledge of this debt! Ive never had a XXXX account nor do I have a home to get these services, I am trying to get a home and that is why I pulled my report, I live with someone else currently! XXXX reports 3 times, have n't even been to college so this could not be true! I have no knowledge of this debt. XXXX XXXX, Same as stated before, I have no knowledge of this debt. XXXX XXXX XXXX- No knowledge of this debt. XXXX XXXX- No knowledge of this account! XXXX XXXX -No knowledge of this debt! XXXX XXXX -No knowledge of this debt! I also have unauthorized inquiries and I have no knowledge of these companies! Nor did I give them the authority to pull my credit! XXXX XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX XXXX XXXX XXXX All these inquiries are unauthorized! Please help me to remove these things off my credit. They are stopping me from moving forward and this is very much unfair because this debt does not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
I continue to have my personal & financial credibility attacked by all three credit reporting agencies

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 2020-01-03
Company: Experian Information Solutions Inc.
State: AL
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:
I did not authorize the below companies to access my credit report : XXXX XXXX  Inquired on XX/XX/2019 XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/2019 XXXX  XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX Inquired on XX/XX/2019 XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2019 XXXX XXXX XXXX XXXX, NH 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 2020-01-03
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Wells Fargo Online <alerts@notify.wellsfargo.com> To : XXXX XX/XX/2019 at XXXX XXXX Wells Fargo logo Your available balance has reached or dropped below XXXX The available balance for your account NON has reached or dropped below XXXX dollars. 
Ending Balance - {$470.00} Available balance - {$470.00} This information is accurate as of XX/XX/2019 XXXX XXXX Mountain Time. For your most current balance and more account details, sign on and select your account. 
To quickly and easily move money between your Wells Fargo accounts or between your Wells Fargo accounts and accounts at other institutions, sign on and go to Transfer & Pay. 
If you have questions, Wells Fargo Customer Service is available 24 hours a day, 7 days a week at XXXX, or contact us by secure email. 
wellsfargo.com | Security Center Note about balances : Ending balance reflects transactions that have posted to your account and does not reflect pending deposits or withdrawals. The available balance is an indication of funds that are available to you today ; however, it may not reflect all transactions that you may have initiated or authorized.

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 2023-02-28
Company: CL Holdings LLC
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:
Disputed online about the validity of the collection account. Stated verified online. Now the dates changed and they won't let me dispute online. When I contacted XXXX by phone today XXXX/XXXX/23, the cs rep said the collection company only has to say that the account is valid. Not that there is any documentation of proof. Thus being extremely lax on the FCRA. They put the burden on the consumer. They said to take it up with creditor for proof. Debt collector in this case is Jefferson Capital.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: CIT BANK, NATIONAL ASSOCIATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
CIT Bank is money hungry! I was charged an insurance fee when I already had insurance on our machine. I submitted proof of insurance and yet they still have not refunded me as promised. 

I am DEMANDING A FULL REFUND as this should have not gotten to the point of me needing to file a complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-03
Company: States Recovery Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have reached out to XXXX many times to resolve this matter. They feel that because I have had service with them in the past that this is a verified debt. I have disputed this account with the original company, the debt collector and the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Hello, I was a recent Wells Fargo customer, and I moved and changed my contact information and believe that I was impacted by their recent illegal activity for charging incorrect overdraft and insufficient funds fees. My new address and contact information is below. I appreciate your assistance and support! Thank you! 

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 2020-10-06
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:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT XXXX HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

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 2017-07-24
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There are medical collections on my credit report do not belong to me, However, They belong to my wife, I have never received any letters of attempt to collect the debit or any letter explains my right to those collections, They just put them on my credit report without any prior contact. I have called the progressive management system and I was told that the collections will not be removed from my credit report till 60 days after the accounts are paid. Those collections stops me from proceeding in getting some of the credit that I need, Buying a house for example or a vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Accordance with the Fair Credit Reporting Act Convergent Account : 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 instructions.

XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2021-02-19
Company: Premium Credit Bureau
State: FL
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:
On XX/XX/XXXX. Premium CRED inquired pulled it about my credit and pulled it without my consent and broke the law according Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX  consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the FCRA provides. A person shall not use or obtain a consumer report for any purpose unless -- - ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ).

I have not initiated any transaction with Premium CREDFurther, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Premium CRED for review or collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02
Company: Experian Information Solutions Inc.
State: NY
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:
The credit reporting agencies Experian, XXXX  XXXX XXXX and XXXX XXXX are in violation of reporting unverified, an unvalidated account on XX/XX/2018 information provided to them by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you  are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts from my credit eport

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 2022-06-10
Company: SYNCHRONY FINANCIAL
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXXSynchrony Bank/Value City has been mailing and calling and harassing my family and I about a debt that would be too old to collect on but I do not owe them any money anyway.

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 2017-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
There are many mistakes appear in my report without my understanding.

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 2019-11-21
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I went through a loan modification with US Bank in XX/XX/2019 and was specifically told my HOA arrears would be included and made up to date. Fast forward six months and I am now being foreclosed upon by my HOA for delinquent dues. I contacted US Bank and they didnt seem to care or provide any help. I asked for the audio recording of my conversation with their representatives and they told me to go get a subpoena. I'm danger of loosing my home and my HOA fees are tripled due to legal fees. US Bank is completely negligent with their erroneous information provided to me.

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 2017-01-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Wells Fargo states linked accounts will not be billed service fees if certain conditions are met. 
However, say a checking and savings account are linked. While all conditions are met, they still charge service fees for one of the accounts, namely the savings account. Their excuse is it is a one way link, i.e. the checking is linked to the savings, but the savings is n't linked to the checking. They do not clarify the distinction in their marketing, making for a deceptive practice to overcharge the customer.

Company response to consumer: Closed with explanation