BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX Network/Receivables XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX or my wife, XXXX XXXX XXXX Sometime in XXXX XXXX an erroneous charge in the amount of {$220.00} ( originally {$340.00} ) from XXXX Network appeared on my credit report XXXX stating that my account was in collections ; however, Ive never had XXXX XXXX  I have had XXXX from around XXXX through XX/XX/XXXX, at which point we moved and switched to XXXX. Ive attached my XXXX payments XXXX through XXXX for your reference. 
On XX/XX/XXXX, I submitted an online dispute through XXXX and on XX/XX/XXXX I submitted an online dispute through TransUnion. Both companies claim they verified the XXXX XXXX collection and stated it is accurate. The week of XX/XX/XXXX, I called XXXX XXXX multiple times and they could not find me in their system anywhere yet refused to remove the collection from the credit bureaus. On XX/XX/XXXX, I called Receivables XXXX XXXX, the collection agency, provided on the credit report, they cant find me in their system either, yet also refused to remove from my credit report. 
The week of XX/XX/XXXX, I also called TransUnion and XXXX and spoke to both directly. They would not remove from my credit, nor would they give me another option other than filing an online dispute. As stated, that has already been done and they confirmed its accurate so its obviously pointless to do it again. Ive since learned that the verification process is a computer talking to another computer and it rarely results in accuracy, because both are fed the same inaccurate data! 
What do I need to do to get this off my credit report and my good credit re-established? When you look at my report, I have exceptional payment history, why would I not pay a {$220.00} XXXX bill. I was even willing to pay it just to get it off my report, but I can't pay it because it nobody can find me. I am self-employed and this is preventing me from getting the funding I need to complete the project Im working on. My score was XXXX and it is now 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 2022-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2022 I faxed a letter to Capital One XXXXs Credit Dispute Department indicating incorrect reporting on my credit reports. Capital One failed to do a proper investigation and is still incorrectly reporting the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid XXXX on my credit card on XXXX XXXX. The amount paid has still not been applied to my account. It has been 8 days. Additionally this company will not correct a problem with accepting payments on their end for renters and auto insurance, an account I have with them as well. I am on auto payment, but I have to dial in monthly to pay on my account. Their system will not accept payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022, I sent a letter to the credit bureaus asking for them to perform a proper investigation of accounts on my credit report. The credit bureaus stated that the following account/accounts was/were properly investigated, but how is that possible if there are still obvious reporting errors on my credit report? I will upload copies of my credit report with the errors marked for evidence as well. Regardless, this behavior is grounds for removal. The accounts in question are as follows : 1. Account Name : XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX XXXXriginal Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  XXXX ) Account Number : XXXX In addition, they have also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit 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 non-monetary relief
Consumer complaint received 2017-06-21
Company: Exeter Finance Corp.
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: Credit inquiries on your report that you don't recognize

Complaint:
After suffering an incident of identity theft, I placed a fraud alert on all XXXX credit reporting agencies and froze my XXXX XXXX file asking any potential creditors to call me to verify my identity before pulling my credit reports. However, Exeter Finance Corp did not call me to verify my information before running my credit, a violation of my rights as consumer. I have reached out to all XXXX agencies several times to have the unauthorized inquiries removed from my credit reports. However, each time I was told they verified the inquiry. I have also attempted to speak to someone at Exeter Finance Corp to no avail as well. I never consented for  anyone at Exeter Finance Corp to access my credit files nor was I contacted by Exeter Finance Corp to ensure they verified the identity of the person authorizing the inquiry. For these reasons, I respectfully request the inquires by Exeter Finance Corp be removed from all of my credit reports.  Please see below for which inquires I am requesting to be removed : XXXX : XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I followed a link online advertising open a Wells Fargo Everyday Checking account by XX/XX/XXXX and make 10 transactions OR have {$500.00} in direct deposit to your new checking account in your within your first 60 days and receive a {$250.00} incentive. I opened my account on XX/XX/XXXX and completed my transactions on XX/XX/XXXX. I emailed Wells Fargo through my new checking account on XX/XX/XXXX to make sure I followed all the required steps to ensure I 'd get my incentive and spoke with XXXX XXXX who said I just needed to fill out a XXXX, which she sent me in a pre-addressed envelope, and wait 45 days. I filled it out and mailed it back the following week. I waited aprox. 45 days and checked my account again and saw I had n't received the incentive so I gave Wells Fargo a call on XX/XX/XXXX. I ended up speaking with 3 different people because the first time I was n't speaking to the write person and the second time I was transferred to the wrong person. Finally with the 3rd guy I explained my situation and was asking to make sure that I had done all the right steps to ensure I would get my incentive. He then laughed at me and told me I was n't getting the money because I missed the deadline. He informed me the deadline to open an account was XX/XX/XXXX and I opened my account on XX/XX/XXXX. I informed him that I actually opened my account on XX/XX/XXXX and I had an email from Wells Fargo saying my account was eligible for the incentive if I did the required steps, I had emails from XXXX XXXX saying I just had to fill out the XXXX, and I had a screen shot of the page I clicked on to apply with the deadline. He offered to file for it to be reviewed but laughed and said they were n't going to pay me. I thanked him for his time but told him I 'd email Wells Fargo again and resolve the issue. That same day, XX/XX/XXXX, I emailed Wells Fargo informing them of the above and wanted to know when I would get my incentive that was advertised. They wrote back that they would pursue the issue further and I have n't heard back.

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 2022-09-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXXn is reporting on my credit that I have an account with XXXXXXXX XXXX. I have no knowledge of that account at all. I contacted both XXXX  and XXXXXXXX XXXX to remove that claim off my report. The account number associated with their claim is XXXX. 
XXXX also reports that I have an account with security credit services, I don't have any knowledge of that account. I mailed and called them to make that dispute and I was told that the couldn't find and information that I have an account with them. So I was confused as to why XXXX would say I do. 
Also Equifax is reporting a fraud report and so is XXXX Equifax and XXXX have those fraudulent credit report as well as a extra fraud claim from collections bureau stating that I have an account with XXXX when I ask for the so-called account number associated so I can dispute it as fraud they told me the couldn't find my account number using my social security number. That they would need my phone number associated with the account but I told them I wouldn't know that number if I didn't make an account with them to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: AFNI INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2022, after attempting to speak to a supervisor from XXXX at three different intervals, XXXX, a female that I didn't get to have her name, and XXXX while assured someone would call me back within the hour after speaking to XXXX, the other two agents informed me that " no supervisor was available today. '' I wanted validation of debt and breakdown of charges as this account was opened under fraudulent circumstances to which XXXX was made aware months ago. 
XXXX informed me that XXXX no longer owned this account and could not look at the lease agreement and advised me to contact Afni. 
I was not provided anything to prove that this was my debt by XXXX or Afni especially prior to reporting to the credit bureaus. 
It seems that XXXX bills for fraudulent third party charges, as well. 
The attached leases are NOT MY signatures, nor am I a junior as I am female.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I hired a company last XX/XX/2016 to help and assist me with the mortgage modification process in order that it 's with in my monthly income requirements. The property and the home was WILL to me from my XXXX Mothers estate. The property deed and the mortgage did have my name on it since my income was required for my Mother to  refinance the mortgage. The company that I hired last XX/XX/2016 also informed me that there were issues with the mortgage documents saying it was XXXX, which I found out is against the laws in New York State to issue a XXXX loan. Unfortunately the modification that the company worked on for me with Ocwen Loan Servicing happened to be the worst modification that I have ever received in the 9 years of Ocwen. 2 law suits against Ocwen within the 9 years and no assistance They are absolutely the worst and with them reported managing over 104 million mortgages and having 9000 employees, that to me is a serious problem. <P/>In XX/XX/XXXX Ocwen threatened me with forclosure, threantened me with a phone call of a XXXX XXXX out of Texas stating that I need to contact him back about my home and property and that he worked for Ocwen Loan Servicing. Grant it I filled Chapter XXXX  bankruptacy protection not because of the mortgage because I needed to get reorganized. <P/>After once again doing research I find out again the CFPB is once again sueing Ocwen Loan Servicing. After skimming through some of the documents regarding the law suit its the same issues that I have been going through over the past 9 years with this organization. I do n't know if I would call Ocwen an organization or a business, there just plain CORRUPT. The law suit is in fact true and the CFPB needs to take control. <P/>Attached are all the related documents including a screen image of the voice mail that I received and is still available on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: VW Credit
State: WY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I continuously request my payment information be removed after every payment is made. Every time I call to make a new payment, they STILL have my financial information on file. They continuously LIE to me by saying there is no information on file until I say I want to make a payment and all of a sudden they have my bank information. This is EVERY month between the XXXX the month and the XXXX of the following month. 

In addition, I have requested my loan documents twice. I have not received them. Worse, I was NEVER given a copy of my loan documents at the time of the loan. The dates of the requests are : XX/XX/XXXX and XX/XX/XXXX. I was told the documents would be expedited and that I would have them by XX/XX/XXXX. As of XX/XX/XXXX they have not arrived. Again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been disputing this account listed with Citibank/Best Buy for well over a year. During this time Best Buy has been reporting a monthly charge off and a balance owed to them of {$450.00} when they have sold the account to a collection agency, XXXX XXXX XXXX. There should not be a balance on an account that has been sold to collection agency.

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 2017-06-21
Company: Experian Information Solutions Inc.
State: GA
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 have been a victim of Identity Theft since XX/XX/XXXX. I have since accrued numerous unauthorized inquiries ( mostly in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). I have disputed the inquiries with Experian as well as the creditors ( XX/XX/XXXX-XX/XX/XXXX ), to no avail. I was advised to leave a Fraud Freeze on my credit report to ensure no more inquiries were accrued. Unauthorized inquiries continue to accrue and the credit bureau refuses to acknowledge or remove them. They are gravely impacting my credit score and I am begging for relief by them being removed. I am listing the unauthorized inquiries below. There are ten total. XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX , XX/XX/XXXX XXXX XXXX- XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- 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 non-monetary relief
Consumer complaint received 2017-06-21
Company: Experian Information Solutions 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 status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXXXX/XX/XXXX, XXXX Loan # XXXX - XXXX XXXX Dear Sir or Madam, I have contacted XXXX and the three credit organizations to date. XXXX is the only company that has complied with my request. I am writing to dispute the following information on my credit history. Previously, I had a second mortgage ( Loan # XXXX ) of {$40000.00} attached to my former home at XXXX XXXX XXXX, XXXX, MA XXXX. This loan was discharged when I filed bankruptcy ( See enclosed paperwork ) on XX/XX/XXXX. Years later, I voluntarily reached out to XXXX and offered to pay half ( {$12000.00} ) of the amount remaining ( {$23000.00} ) that I had previously owed. I was under no obligation to do so since the account was closed in bankruptcy. Unknown to me at the time, this action tainted my credit. Even though discharged in bankruptcy eleven years ago the credit entry by XXXX states : " Settled/Paid in full less than full balance : Conventional Mortgage : Closed. '' I am requesting that this item be removed from my credit history due to age ( XX/XX/XXXX ), or removed because the account was closed, or it should state " Conventional Mortgage : Closed. '' Enclosed are copies of my discharged bankruptcy of XX/XX/XXXX and copies of the XXXX XXXX  XXXX formerly doing business as XXXX XXXX - Mortgage Release statement, which support my position. Please inform Experian, XXXX, of this change. XXXX  has already complied with my request. Many thanks for your help. Sincerely, XXXX XXXX enclosed : United States Bankruptcy Court, District of Massachusetts ( XXXX, ) Discharged Closed XX/XX/XXXX XXXX XXXX - Mortgage Release Statement, Discharged Closed 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 2017-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
After suffering an incident of identity theft, I placed a fraud alert on all three credit reporting agencies and froze my XXXX XXXX file asking any potential creditors to call me to verify my identity before pulling my credit reports. However, Capital One Auto Finance did not call me to verify my information before running my credit, a violation of my rights as consumer. I have reached out to all three agencies several times to have the unauthorized inquiries removed from my credit reports. However, each time I was told they verified the inquiry. I have also attempted to speak to someone at Capital One to no avail as well. I never consented for anyone at Capital One Auto Finance ( COAF ) to access my credit files nor was I contacted by COAF to ensure they verified the identity of the person authorizing the inquiry. For these reasons, I respectfully request the inquires by COAF be removed from all of my credit reports. Please see below for which inquires I am requesting to be removed : XXXX : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XX/XX/2021 I sold my XXXX XXXX  XXXX truck to " XXXX ''. I received a letter dated XX/XX/2021 in the mail from XXXX stating my loan is delinquent and now I owe late charges. Since I work at XXXXXXXX XXXX  I brought this to the attention of my boss and explained the situation. He reached out to XXXX XXXX  and explained the situation and called XXXX XXXX XXXX XXXX to ask why the payoff was not sent on this account? We were told it was missed and was an error on their part and would be sent immediately and a letter will be provided to me showing this was an error on their part to clear my credit. I have not received the letter as of today ; however, did reach out to them again to get it.

XXXX said that they can provide me with a letter from the title and accounting department if needed to help assist.

Now my credit which I have been working so hard to get perfect in order to buy my first home is ruined. Please help I was on my way to almost an 800 beacon score when this happened, now I tried to get credit with XXXX and can't even get that now! : (

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My name is XXXX XXXX and I'm submitting this complaint without any influence from any third party or agency. Please see attached documents and ID as it contains my full complaint and request.

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 2022-09-07
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Marcus bought my credit card account from XXXX. I had direct deposit with XXXX, but marcus did not honor it, I was charged a {$29.00} late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I requested all XXXX of my credit reports from XXXX and only was able to get XXXX. I was unable to see the equifax report because my time elapsed and when I logged back in to see it, it said that I had already recited my annual credit report and that I had to purchase it now.

Company response to consumer: Closed with explanation