BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-25
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Demanding A Credit Bureau Investigate To Whom It May Concern : Experian I recently submitted a request for investigation of the following Acct Numbers : XXXX Collection/ Chargeoff {$1300.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX , XXXX XXXX XXXX XXXX These account have not been verified accurate please delete. These XXXX accounts are in dispute with the original creditor error please delete accounts. 
All of these accounts which you DECLINED. I sent info for Experian or agent of Experian to carry out a reasonable investigation of my dispute, since it was never done please investigate this account thoroughly. If you had investigated it completely, no XXXX system thank you, you would have known, that not only I have never been late on this account ; but that I am not sure if some of these account are even mine - though your company claims to have " verified '' this. XXXX vs. XXXX, XXXX vs. XXXX ( Experian ), and XXXX vs. XXXX, XXXX, et al, the courts ruled each and every time that the CRA could n't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable.

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 2015-05-01
Company: CASHCALL, INC.
State: IL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I am being charged for a payday loan in the amount of {$5000.00} with an interest rate of 115 % from CashCall formerly XXXX XXXX and XXXX XXXX ( both no longer in business ). I have been paying the loan for almost 3 years in the amount of $ XXXX/month, and the balance is only {$5000.00}. As it stands the loan will not be paid in full until XXXX/XXXX/2019. I have tried to settle with CashCall but they will not budge. I find it hard to believe that this high interest rate is even legal in Illinois. Not to mention the fact that they have sold my loan XXXX and now neither company is no longer in business.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am sending you this CFPB complaint today to ask that you remove the late payments that you are now recording on my credit file. The references for the late payment on this account are false and deceptive, harming my credit report! I previously asked that this account be looked at and corrected, but you did nothing. Let me remind you that the FCRA legislation requires you to look into and update this account in response to customer inquiries. In order to present correct information on my credit report, I once again ask that you take your time to THOROUGHLY examine and CORRECT this account. I need to update this account right now since, according to the FCRA, reporting of account information must be correct. 
WELLS FARGO DEALER SVC XXXX Balance {$54000.00}

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 2022-11-22
Company: JPMORGAN CHASE & CO.
State: IL
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:
On XX/XX/2022, I called Chase Bank about a credit limit increase on my business credit card. The agent said that there was no hard pull on my XXXX and XXXX reports. I asked again " are you sure there is no hard inquiry? '' He confirmed and repeated that there would not be a hard inquiry. I proceeded with the application based on that information. A hard pull showed up on my credit immediately. I filed a case with Chase bank and after investigation, they confirmed that I was given misinformation but said they would not remove the inquiries. 

I also called XXXX, but they said that Chase bank would have to send a letter to have the inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I HAVE BEEN DENIED FOR A JOB BECAUSE OF INCORRECT INFORMATION ON MY CREDIT REPORT. I am not able to reach Transunion over the phone and not allowed to access my report online.I have disputed judgments that have been vacated, and I have documentation for a car loan that was dismissed in court. I want these items removed from my credit report immediately.

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 2022-11-22
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: Investigation took more than 30 days

Complaint:
I spoke with XXXX XXXX XXXX in regards to an account that was allegedly mine. I asked them to validate the information in accordance with 15 USC 1692g and they were unable to do so but instead sent a statement simply implying that I owe the debt. I responded with a second letter of validation and they sent the same statement. I contacted the credit reporting agencies and told them they are inaccurately reporting this account and to remove it in respect to 15 USC 1681 in which they responded with filing a complaint with you, CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-12
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Information belongs to someone else

Complaint:
I have contacted this company on multiple occasions and I still have no resolution. I have been writing this company since XX/XX/2017 with no resolution. XXXX is station that I have a debt that is not mind. I have challenged the accuracy of this debt with no validation. This company bears no signature to verify this debt. XXXX states " I owe them {$380.00} and that the account has been placed in collection ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Spoke with TRANSWORLD SYSTEMS in regards to an account that was allegedly mine. I asked them to validate the information in accordance with 15 USC 1692g and they were unable to do so but instead sent a statement simply implying that I owe the debt. I responded with a second letter of validation and they sent the same statement. I contacted the credit reporting agencies and told them they are inaccurately reporting this account and to remove it in respect to 15 USC 1681 in which they responded with filing a complaint with you, CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I, the creditworthy consumer and living XXXX man, was denied credit by GM FINANCIAL when I applied for Auto Financing from XXXX XXXX in XXXX, TX on the XXXX of XXXX in the XXXX year of our XXXX. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k. GM FINANCIAL is subject to criminal liability for violating 15 USC 1691 as I have proof that I was discriminated against by GM FINANCIAL with the response I received. GM FINANCIAL is in violation of 15 USC 1642, 15 USC 1681m and 12 CFR 1002.7 because I, the creditworthy consumer and living XXXX man, made an application in good faith, however credit was not issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I filed a dispute with Equifax about my account credit balance being incorrect. On XXXX XXXX I receive the dispute resolution from Equifax showing the correct information " account paid in full {$0.00} balance '' On XXXX XXXX I receive an alert showing the my account balance has increased from {$0.00} to {$3000.00}. On XXXX XXXX I run a new report and I see that Equifax continues reporting the wrong account balance. Please help, attached is the dispute resolution from Equifax. thanks ( PAGE XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There are XXXX negative items on my credit report of a Foreclosure and a Bankruptcy. The foreclosure was never foreclosed on and probably never will because I believe it is Fraudulent. I am consulting with attorneys to start a Damage Claim Lawsuit because of this. The bankruptcy was a result of the foreclosure. Both of these items have caused me a great deal of Damage by being on my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Credit Karma, LLC
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was offered pre approved notices fro. Credit Karma from XX/XX/2022 to current. I applied to a couple of the offers and was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
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:
Hello, I paid off my Kia XXXX lease in XX/XX/. I never received the title, so when I went to register the car for XXXX  year, I have been unable to receive my registration. It's been 2 months now, and all I have received is a bill of sale form from Hyundai capital. My account is under the same email, I need a duplicate title please sent to my address so I can drive my car. Please let me know what to do, I have been hung up on over a dozen times, and offered help from Roseville Kia Finance department IF ... .I sell the car back to them! XXXX at Kia Roseville Finance offered to help me if I sold the car back to them, seriously... I am lost for words. Please help me, thank you.

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 2016-07-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( XXXX ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 2016-09-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 2016-05-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Requested a Formal Validation for XXXX A request for formal debt validation in accordance with the Fair Debt Collection Practices Act regarding the following account.

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 2016-02-22
Company: Business Revenue Systems, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I never received any communication from this company that my account will be send to collection without my knowledge. Do n't even know this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the XXXX Credit Bureaus on XX/XX/XXXX, to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please remove these immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I paid an account XXXX XXXX XXXX XXXX 25 days late and it appears on my credit report XXXX Experian only ) as 30 days late. I called Experian to dispute the inaccuracy but they tell me that creditors are indeed allowed to report an account 30 days late even though it may have been less than 30 days late. 

I disputed the account status and the investigation results show that the account will remain as 30 days late. 

I then contacted XXXX XXXX, Director XXXX XXXX XXXX for Experian on XXXX and asked him if paying even 1 day late can show on my credit report as 30 days late and he said NO. 

I do n't understand what is going on at Experian. Customer service and XXXX XXXX are saying contradicting information. 

I am attaching three documents:1. Investigation Results2. Credit Report showing 30 day late payment3. Payment history for XXXX XXXX showing I never paid more than 30 days late4. XXXX Screen-shot where XXXX XXXX says that a full billing cycle must pass before the account is reported as 30 days late

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX was paid as agreed, settled in full. not paid for less than as being reported. need validated. date opened is wrong. lots of things wrong on the 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 explanation
Consumer complaint received 2015-09-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My Name is XXXX XXXX XXXX XXXX. Me and my dad share the same name However they put his information on my credit report. Such as tax liens and child support and other collections that I 'm not associated with. I would love another accurate credit report. It took me forever just to get this one and it is n't correct I 'm very upset with the services. My social is XXXX ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-07
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I was unable to get my free annual credit report due to it asking me questions about a mortgage. I have never purchase a home. I have never had a mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-02
Company: WESTERN UNION COMPANY, THE
State: IL
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
On XXXX XXXX I made a international money transfer to XXXX through Western Union APP Mobile, I tried to send {$300.00} + {$5.00} Fee. For any reason Western Union Cancelled the transaction. But on XXXX XXXX Western Union took the funds from my bank account, but the money transfer was still cancelled. I called them several times and they told me I have to wait 7 days to see reflected the funds on my account.After 7 business days the money never was refunded, when I called them again they said that Western Union never took the money from the account. I started a claim with my bank ( XXXX XXXX XXXX ) the bank deposited temporarily the funds while start a dispute with Western Union trying to recover the funds. 
When XXXX could not recover the funds they took back the temporary funds, and that created a overdraft on my account. I have been in constantly communication with Western Union trying to clarify this situation but they just tell me that the bank has already give me the money back. They asked me to send them my bank statements, I did it 3 times and still I do n't have any positive answer from them. 
I just need to Western Union return me my {$300.00} to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Citizens Bank - refinancing of equity loanI was notified by bank that my existing equity loan was about to expire. after check alternative sources - I was encourage to simply refinance the loan through the local Branch ( XXXX XXXX, XXXX XXXX ) After submitted all necessary documents the loan was approve by their Mortgage Dept in XXXX XXXX? I had a closing and signed all requested documents - the loan was posted with the new balance available .. now after month+ ( I had drawn no additional funds but made several payments to the equity loan - now they have screwed up now asking for more documents? the local branch called and stated the want a copy wife 's original death certificate - Although I had already furnished it originally - I called the local funeral parlor and they went to the town hall got another certifified and delivered it to the branch personally - now they apparently want more documents - my equity on- line shows XXXX balance available - and even does n't show my equity payments I made through interbank transfers - I have over 15 years experience with never a late charge and both Citizens business and personal accounts .. my credit rating is and has always been excellent with a XXXX + rating - I have always been prudent with my finances and managed them appropriately - I 'm now in XXXX and likely what ever they might need now is in my home in XXXX XXXX - I think they apparently screwed up internally and if additional documents or information was needed - they should have gotten it prior to approval and closing - not now burdening me from a distance with their incompetence - and now without access to their approved equity loan! 

my Address in XXXX is XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX cell XXXX

Company response to consumer: Closed with explanation