BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-07
Company: EQUIFAX, INC.
State: MD
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: EQUIFAX, INC.
State: AL
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:
Ordered my free credit report from all 3 agencies in early XXXX, XXXX. The two other credit agencies sent the report promptly, Equifax never provided the credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: WELLS FARGO & COMPANY
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:
please remove these 1. Identity Theft WFXXXX XXXX Account Number : XXXX This is not mine.

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 2021-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Transunion was called on XX/XX/2021 to dispute inquiries. Consumer was informed by Transunion that per FCRA, Transunion has the right to keep credit inquiries on Consumer reports for 2 years. Consumer asked did that they have it in writing and was informed he did not know. Transunion also admitted that Consumer has had a police report for Identity Theft in their files for the past several years but that it has not been attached to Consumers file. Transunion informed Consumer that a call will be made to Consumer. Consumer has not received a telephone call yet and the credit inquires has not yet to be removed.

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 2015-10-30
Company: Northwest Collectors Inc.
State: IL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Agent named XXXX from NW collections called from XXXX never Identified the debt did not verify if I was the consumer never stated the mini Miranda or tape disclosure was rude and harassing exact statement when I question the validation of debt her exact statement was you do n't ask questions until she is done speaking did not provide s first notice or any validation of debt

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Harpeth Financial Services, LLC
State: ID
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I actually never received anything from this company regarding a debt owed. However, several weeks ago, I received a letter from XXXX XXXX XXXX XXXX about this debt owed and they supplied paperwork. Maybe my complaint with with the payday loan place but I also have a complaint with XXXX XXXX XXXX XXXX. http : XXXX I believe under the FDCPA, you are not to imply you are a lawyer. However, this is a law group attempting to collect the debt. Their letterhead reads : XXXX XXXX XXXX XXXX, Attorneys at Law, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, ID XXXX. At the bottom of the letter text reads, " ... and any information obtained will be used for that and other purposes allowed by law. '' Well, I have called and left messages twice with the law firm AND I submitted my information through their website 's Contact form. I have yet to receive a response. I have recorded my attempts. I just do not want to get blindsided with a lawsuit as I have attempted to contact them and make arrangements. Now I'm worried this company is not legitimate and not working for the Payday Loan company but may have purchased the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
XXXX XXXX XXXXXXXX XXXX has incorrectly reported on my all 3 bureaus that i was late XX/XX/XXXX, and XX/XX/XXXX both 30 days. I have tried to work with this company on getting this resolved and have tried disputing these multiple times with the bureaus.

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 2015-06-01
Company: AFNI INC.
State: NM
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I switched cell phone service providers from XXXX to XXXX XXXX XXXX over a year ago. I asked to keep my XXXX number and XXXX XXXX XXXX processed that request. However, before they did that, they created a new phone number without my knowledge and put charges on it ( under my name ). I never knew those charges and phone number existed until I received a notice from a collection agency for non-payment of {$87.00}. In the meantime, I had been paying my bill as agreed and was not in arrears. I tried without success to speak with XXXX XXXX XXXX about this ; I 've been trying to resolve this for many months. At first I was told on the phone that the matter had been resolved, but apparently it was not, because I got another notice from AFNI, the credit collecting agency, a few months later. I now am having difficulty securing a good interest rate for a mortgage because of this derogatory report, which is NOT my fault but is adversely affecting me. I called AFNI who only told me that I could pay them or wait until the account went back to XXXX XXXX XXXX after they 'd had it a full six months. They said they 'd file a dispute but that it would n't 'stick. ' I have heard from the local XXXX XXXX XXXX store employees that this is not an uncommon issue - yet I am having to deal with this despite their knowledge that this is a problem for other people, too. Please help -

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have sent many letters explaining in DETAIL what personal information and accounts I want to be investigated. My request to be provided with the documents that Experian has in their files that you used to verify the disputed accounts which means that they have NOT verified or they can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA - Experian is required to " ... promptly delete all information which can not be verified. ''

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 2021-10-07
Company: EQUIFAX, INC.
State: LA
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Chime Financial Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2021 I received an email from Chime congratulating me on my new account. I had never heard of them and did not set up an account with them. I also noted that my name was as misspelled. I immediately tried to call their customer service line to have the fraudulent account closed/deactivated. Chime 's automated phone system directs you to contact them via email at XXXX. I immediately sent an email. I never received a response and continue to received automated emails from them about my " new account '' and received a debit card in the mail on XX/XX/XXXX. To date I have sent Chime three emails and have repeatedly been unable to reach anyone on their customer service phone line. Given the lack of response from Chime this leads me to believe that they are a fraudulent operation and need help insuring any active account in my name is closed or deactivated and does not reflect on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: BANK OF THE WEST
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
THE BANK CHARGED AN ADDITIONAL IMPROPER {$35.00} DOLLARS INSUFFICIENT FUNDS FEE, PLUS A MONTHLY SERVICE CHARGE OF {$10.00} TO TAKE AWAY MY EARNED {$10.00} DOLLARS BONUS FOR USING POPMONEY SERVICES. AS BECAUSE OF THIS BANK ACTION {$48.00} DOLLARS IS MISSING FROM MY BANK CHECKING ACCOUNT. 
THIS BEGAN THURSDAY XXXX XXXX AS A MERCHANT REQUEST FOR PAYMENT CAME IN FOR IN WHICH THE BANK PAID AND CHARGED THE {$35.00} INS.FUNDS FEE THIS MADE MY ACCOUNT BALANCE A NEGATIVE - {$8.00}. EARLY FRIDAY MORNING I MADE A CASH DEPOSIT FOR XXXX DOLLARS THIS BROUGHT MY ACCOUNT IN THE POSITIVE TO {$XXXX, LATER THAT MORNING VIA ONLINE BANKING I CHECKED MY ACCOUNT BALANCE IT WENT FROM XXXX TO. {$160.00} MISSING {$35.00} dollars. ADDITIONALLY THE BANK CHARGED MY ACCOUNT A MONTHLY SERVICE CHARGE FEE OF {$8.00} BUT I HAVE A NO INTEREST EARNINGS CHECKING ACCOUNT WITH NO MONTHLY SERVICE FEE CHARGES. AND CUSTOMER SERVICE REPRESENTATIVE WOULD NOT EMAIL OR US POSTAL MAIL SEND ME A CLAIM FORM FOR THIS ISSUE, 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 2017-10-09
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My previous auto financing company is reporting a charge off that is negatively affecting my credit report. I have always disputed the validity of this debt. Recently, I was awarded a class action settlement against this auto financing company for discrimination in auto financing. I believe that this debt was a direct result of the companies discriminator lending practices and I would like this negative reporting removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: CREDIT ACCEPTANCE 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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

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 2016-06-22
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I did n't know I had this debt until I saw it on a credit report that I pulled. Even on the credit report it does n't indicate who the original creditor is. When I checked on the State of Florida XXXX of Regulation website ( XXXX ), this company, Jefferson Capital LLC does not have a license to collect my alleged debt or any other debt for that matter due to the fact that it does not have a license to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-07
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I need to complain about SHELLPOINT MORTGAGE SERVICING. XXXX XX/XX/XXXXsold my loan to SHELLPOINT MORTGAGE IN XX/XX/2021. SHELLPOINT over charged me on the prepayment penalty and ignore my emails and phone calls. The only customer service phone line they provided was useless and refuse to do any further to resolve the problem. And push the responsibility to another by telling customers that the only way to resolve all loan problems is thru emailing XXXX but they never email me back with the upfront answer instead they try to navigate me to something else which is not what I am concerning. Then after receiving one email from them they even never bother to email me back regarding my real concern and my real questions to them. The principal balance is incorrect, the prepayment penalty is calculated incorrectly, the # s on the payoff is incorrect, they purposely overcharge me and refuse to have any communication with me. They refuse to investigate their problems! This is a scamming mortgage company. It is not a legit business! They have over charged me over {$6000.00}!!! 
My email address is XXXX someone please investigate Shellpoint Mortgage and get back to me asap! 
Thank you!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Payment made on XX/XX/XXXX from XXXX Checking account XXXX XXXX calls XXXX XX/XX/XXXX @ XXXX to say payment is late I state above. XXXX XXXX representative advises me to file a dispute with XXXX XXXX XXXX Banking Dispute with XXXX bill payment XX/XX/XXXX XXXX reaches out to XXXX XXXX XX/XX/XXXX ( Biller will not speak to XXXX without Subscriber ) XXXX XXXX stated they will not speak to XXXX without me XXXX closes dispute XX/XX/XXXX. Sometime in early XXXX called XXXX XXXX with me, XXXX XXXX XXXX XXXX banking customer service to try to resolve issue, representative stated that payment would be applied to mortgage payment. I called XXXX XXXX on XX/XX/XXXX @ XXXX 71 minutes transferred multiple times stated payment would be applied to mortgage XXXX payment made with XXXX XXXX at XXXX XXXX location XX/XX/XXXX XXXX XXXX , NY Male from XXXX XXXX ( did not state his name ) left voicemail on XX/XX/XXXX @ XXXX stating to return his phone call. XX/XX/XXXX collection department called @ XXXX ( 29 minutes call ) stating that my XXXX XXXX XXXX is in delinquent status, I stated all the above. Representative was very rude so I stated I would rather call XXXX XXXX directly to rectify. The same day, I called back XXXX XXXX and spoke to customer service representative XXXX XXXX & XXXX on the phone 43 minutes being transferred back and forward Payment directly debt from XXXX account # around the same time ( will show on past XXXX statement ) XXXX was able to get XXXX XXXX XXXX on 3 way and payment was applied XX/XX/XXXX XXXX left voicemail on XX/XX/XXXX at XXXX XXXX. stating that they will be mailing out a paper check for the balance that should have been applied to the XXXX XXXX XXXX. Paper check was dated XX/XX/XXXX ( see attached ). Received check from XXXX for overpayment that should of been applied to mortgage dated XX/XX/XXXX received check on / around XX/XX/XXXX which I deposited into our XXXX account via mobile banking on 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 2021-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a consent form to run a background check to qualify my for a rental house for me and my family the report came back and it was clear that it was not me the company refused to do any research to clarify the situation. 
I am a US XXXX  with a credit score of high XXXX 's and i have XXXX XXXX on the highest level. This company refused to take any steps to correct their error.

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 2017-10-09
Company: Bread Financial Holdings, Inc.
State: RI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a credit card through Victoria 's Secret with Commentity Credit Card Services.  My payment date is the XXXX of each month. I post the payment myself every XXXX. They are charging me late fees because the payment is posted past XXXX XXXX on every XXXX, and will not take the late fees off of my account because it is made past XXXX on the XXXX. However, my payment is still the XXXX and the payment is processed for that day. They can only make one refund credit each 18 months which they did for XXXXXXX, but will not refund any further. They said they could they would refund one month but not any further months. They have charged me an extra {$260.00} in late fees for paying past XXXX on the XXXX which is my due date, making my bill {$660.00} instead of {$400.00} dollars. I have spoken to XXXX, the highest manager of  commenity who said they will only refund one month and no other months. I want these late fees taken off because i do process on the XXXX which is my due date and he would not help me in any way shape or form and was very rude to me. The late fees also range anywhere from XXXX $ to {$37.00}. It was XXXX, XXXX, XXXX,XXXX, XXXX, XXXX, XXXX, XXXX, then XXXX. When I asked about the inconsistencies he said that they have the option for it to go to up to {$37.00}, but then they went back down to {$30.00}? I want to pay the bill of and told XXXX in the future I would set it to draft by the XXXX each month automatically but he refused to reimburse me when I have made the payment every day on the XXXX, but is explaining I have n't because it was between the hours of XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX, TransUinon, XXXX continue to violate the FCRA with XXXX XXXX XXXX account XXXX. This account has been illegally Re-Aged from XXXX to XXXX. This account has multiple violations of the FCRA. 

( 1 ) Violation of the FCRA Re-Aging account from XXXX to XXXX. 

( 2 ) Violation of the FCRA not putting the required notice of dispute in comments after I have disputed this account multiple times. 

( 3 ) Inconsistent reporting by XXXX, TransUinon, 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 2021-09-01
Company: OLIPHANT FINANCIAL, LLC
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:
I had a XXXX credit card it was charged off I paid it in a settlement it was sent from credit store to oliphant financial to XXXX XXXX and when I spoke to XXXX XXXX they said the account is paid for {$800.00} and they dont know why Im being reported so I called Oliphant back and they claim that they have no access to my account to call XXXX XXXX back. Im getting a run around, they reported my to XXXX and they took off 14 points off my score on an account that was already satisfied. I want my score restored to XXXX and for the to erase themselves off my credit report due to fraud and negligence. BTW I never got notification of this debt cause it was already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: EQUIFAX, INC.
State: TN
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:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation