BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-01
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: Public record information inaccurate

Complaint:
Two judgements from XXXX XXXX XXXX is being reported on my credit report. Both have been vacated as they were filed under my name when they belong to a spouse. Due to the company being unable to touch my spouse while on military XXXX they charged these accounts to me. They have both been satisfied and vacated however they still show on my credit report. These do not belong to me. The lease in question was signed without my consent and is not my signature. Please remove these vacated judgements. They were only granted because I was not aware of the proceedings against me as they sent all correspondence to my former spouse.

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 2020-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX Original creditor : XXXX  {$240.00} Balance updated XX/XX/XXXX Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$240.00} {$240.00} Payment Info Original loan amount {$240.00} Balance {$240.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX, CAXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX Original creditor : XXXX XXXX  {$490.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$490.00} {$490.00} Payment Info Original loan amount {$490.00} Balance {$490.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MIXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX Original creditor : XXXX XXXX  XXXX XXXX XXXX XXXX {$1600.00} Balance updated XX/XX/XXXX all ftc violations

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 2019-11-26
Company: EQUIFAX, INC.
State: NY
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-02
Company: WELLS FARGO & COMPANY
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 information incorrect

Complaint:
My current credit card report shows me having late payments since 2014 which were not my fault. 

Many times I ould go into a Wells fargo branch to make an equity line payment only to be told by a teller that I don't owe anything. Then I would start receiving harrassing phone calls from Wells Fargo telling me I am delinquent ... so I would go back to the bank only to show I owe for 2 months I never logged a complaint as I never looked into my credit report until fall of last year. 

Just recently this I went into a branch and had the teller tell me I didn't owe anything once again I went back a week later to speak with a banker. She looked into her " banker '' system and showed me delinquent owing for 2 months ... She then looked into the " teller '' system and showed me owing nothing. She made a copy of boths screens for me a proof and also helped me log a complaint with Wells fargo. 

There are obvious errors occurring on their banking system Its been over 2 months and still zero response

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 2019-08-02
Company: Synovus Bank
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I paid the security deposit the card company ( First Progress ) required to open the account with them and they closed my account without me knowing and without refunding the {$300.00}. They said the {$300.00} security deposit was refundable but they never did refund me. I've signed in and it shows that I have it in there and I called the customer service number on the statement, but when I call it doesn't except any of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I CHECKED MY XXXX CREDIT REPORT AND IT SHOWED A FRAUDULENT ACCOUNT ( XXXX XXXX XXXX ) CONTACT PERSON XXXX XXXX ( MANAGER ). XXXX WAS CONTACTED ABOUT THE FRAUD ALSO AND DID NOTHING.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2021-04-15
Company: FCI Lender Services Inc.
State: MA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/XXXX FCI Lender Services , Inc initiated foreclosure actions on my property. They allege that I owe {$180000.00} for a loan that I allegedly took out from a now defunct bank i.e. XXXX XXXX XXXX in XXXX. From their payment statement the loan is 3945 days delinquent. I have repeatedly ask FCI Lender Services to validate this debt but to no avail. I received the foreclosure documents from their attorney XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX, XXXX CT XXXX with a foreclosure sale date of 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 2017-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Two judgements from XXXX XXXX XXXX is being reported on my credit report. Both have been vacated as they were filed under my name when they belong to a spouse. Due to the company being unable to touch my spouse while on military XXXX they charged these accounts to me. They have both been satisfied and vacated however they still show on my credit report. These do not belong to me. The lease in question was signed without my consent and is not my signature. Please remove these vacated judgements. They were only granted because I was not aware of the proceedings against me as they sent all correspondence to my former spouse.

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 2019-11-26
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened an account with TD Bank somewhere around XXXX. Because there were irregularities with how the bank opened/managed my financial information, and utilized my funds, I decided to close the account. The closure status date was XX/XX/2015. 

TD Bank agreed to a settlement after lawsuit involving clients who incurred overdraft fees. See TD Bank Overdraft Litigation { https : //www.tdbankoverdraftclassaction.com } I was added as a participant in a class-action lawsuit, under the class member status of Financial Regulation E and XXXX XXXX XXXX. Essentially, this class involves clients who were charged high-interest rates and had issues with debit card/financial transactions. Each class represents a different claim or situation with TD Bank. 

My account XXXX incurred overdraft fees and sustained overdraft fees during the beginning of XXXX While I contacted TD Bank for a copy of my statements, I have been denied access to these documents. I have been told to go to the nearest branch, but when I requested these documents at a branch ( XXXX MA ), I was told that they do not have access to these documents. The account was reported to debt collection agencies for a charge-off amount of {$430.00}. Some of these debt collection agencies no longer exist, and I don't know how my financial information was sold or used. 

The account was closed, after I deposited a check at TD Bank on XXXX XXXX XXXX, XXXX, MA XXXX during the early months of XXXX. The ATM machine swallowed my check, and I was unable to deposit money into the account. While I freaked out that my deposit check was stolen by the ATM machine, the staff told me that there was nothing they could do, and was asked to leave the setting. This made me overdraft my account, because I was unable to fix a negative balance. I was frustrated that I was charged overdrafts after the ATM swallowed  my check, and the staff refused to help me. Further, having no funds, I was unable to fulfill pending charges and my account was reported to XXXX for : Overdrafts, Account Abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
THE DISPUTED ACCOUNT DOES NOT BELONG TO ME. IT'S A REPORTING DEROGATORY ACCOUNT ON MY CREDIT FILE THAT'S BEEN CAUSING TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THIS ISSUE AND HAVE THIS NEGATIVE MARK OFF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 called the 3 Credit Bureaus after I purchased a credit report with XXXX  on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were erroneous items on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, XXXX and hoping that these inaccurate items will be fixed.

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 2022-07-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed using XXXX, which is associated with my bank account. Through XXXX XXXX, I was attempting to sell an item and the person impersonating a buyer was able to scam me into believing that I needed to send him money in order to activate my XXXX business account. I had sent over money to that email that was impersonating a XXXX  customer support person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: HEARTLAND PAYMENT SYSTEMS INC
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 have never had an issue with this loan before it was changed to Heartland ECSI ( https : //heartland.ecsi.net/ ). Before they switched to their new absolutely awful website, that does not even work properly to make a payment, I was making my payments with zero issues on https : //borrower.ecsi.net/. That no longer works and I am forced to use their new XXXX website to try and make payments. The first payment I had to make on this new awful system was last month, and while it was an incredibly difficult to make the payment and I could n't even specify the amount I wanted to pay at least I could make a payment and view my loan information. This month however when logging in I was getting errors left and right, it would not pull up my loan information or let me make a payment at all. Oh their online chat service, does n't work. Ah I see they have a contact number ... which no one ever answers. This is frustrating and unnecessary for a company that makes money hand over fist to roll out a system for receiving loan re-payments that does not function. Let me repeat, it is highly unacceptable for this situation to exist, and I really wish this company would be punished for making it difficult to make payments on the loans they own. If my payment does not get posted today I may have to deal with late charges and potentially taking a hit on my credit score which I worked hard to build up, all because they rolled out a system without properly testing and ensuring it works and probably skimping on paying a company that knows what they are doing to build their new site.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: ALLY FINANCIAL INC.
State: GA
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: Card was charged for something you did not purchase with the card

Complaint:
I did not make these charges. 

XX/XX/2022 XXXX XXXX, XXXX- {$800.00} XX/XX/2022 XXXX XXXX XXXX  XXXX XXXX XXXX, NV, XXXX - {$1800.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV, XXXX - {$15.00} XX/XX/2022 XXXX XXXX XXXX XXXX, NV, XXXX - {$140.00} XX/XX/2022 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV, XXXX - {$2200.00} XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV, XXXX - {$43.00}

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 2022-08-05
Company: ENOVA INTERNATIONAL, 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: Old information reappears or never goes away

Complaint:
This been a on going affair XXXX XXXX XXXX  account is paid off still showing on account XXXX. 

Net credit  XXXX opened in XXXX XXXX XXXX open in XXXX XXXX XXXX opened in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: MD
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still presenting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
I had an auto loan which was paid off and I received the pink slip but the company is now reporting my car as a charge off when it was paid in full. I have disputed this several times and I even contacted Capital One Auto Finance several times and they just keep sending a letter stating that everything is correct they wo n't allow me to talk to anyone in that department I am only allowed to speak with customer service. I requested a copy of my payment history which shows that everything was paid I have asked them to give me details as to why the account is considered a charge off when the payment was missed or not paid and they have not provided any of this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: MT
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$49000.00}, and XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.

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 2022-07-19
Company: Experian Information Solutions Inc.
State: MD
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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 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 2017-09-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Did not have sufficient security to stop a breach of biblical proportions. It 's embarrassing. 134 million users information leaked

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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