BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-29
Company: SUNRISE CREDIT SERVICES, INC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX listed a collection on my credit reports that has been placed with Sunrise Credit Service. I have requested debt verification and have not received it. I canceled service due to a move. I returned all equipment to an XXXX XXXX XXXX store. I do not owe this debt and demand that it be removed from my 3 credit bureau 's immediately or I will take legal action.

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 2022-12-01
Company: Experian Information Solutions Inc.
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:
Experian has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that Experian provide me copies of documents bearing my signature to verify the status of the disputed account. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The account below should be corrected : XXXX XXXX XXXXXXXX

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 2023-03-08
Company: EQUIFAX, INC.
State: PA
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: Consumer Financial Services
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I had business with consumer financial services through XXXX XXXX sales in XXXX. I first got a car from them through them and later added furniture. I was making payments regularly and then my boyfriend lost his source of income and my payments fell behind. I went and talked to someone, and they got me back on track. I then relocated and started having trouble with that car. I got it fixed and it broke down again. they city put an orange sticker on it for it to be removed because I couldn't afford to get it fix again. I decided that I will just get another car. I got another and had someone to remove the old car out the yard. Consumer financial called investigator about the car and I let them know what happened. Now since I had the car removed, they have been running my credit each month without my permission. I have called them and told them I do not have their car and to stop running my credit because I haven't given them no other permission besides when I first got the car. I would like them removed from my credit report. Now I'm looking for a car they keep saying I have an open account and I don't.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: ALLY FINANCIAL 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 went to XXXX XXXX XXXX to look at buying a new vehicle. I told sales person i only wanted my credit ran 1 time so i wouldn't have multiple hard inquiries on my credit report, now Im seeing at least 5 or 6 finance company on my report for the same day that my credit was ran at XXXX XXXX, that the only car lot I went to and only company I had run my credit. Can I have these hard inquiries 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 2022-06-29
Company: ADP Inc.
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hi, I have tried to dispute several transactions with Wisely, and they have not bothered to look into the issue. They responded via XXXX and mentioned they needed to know which transactions needed disputing, and I gave that info, and the amount in that message, but they still have not disputed it, and mentioned that I would have to go through the trouble of calling. They in the past have been the toughest company to dispute orders with for some reason. They were able to see on my account that I contacted them through chat agents to try to dispute, and they said that calling is the only way, and I am currently in a tough position to be able to make any calls at the moment. They have ignored emails I have sent them, and appear to once again not want to issue the full refund for XXXXive items totaling {$65.00}. If Wisely was able to get into my account and see my chat history with their agents, then it would seem they should be able to also see my transactions from XXXX. XXXX wrongfully closed my account, and after seeing they have lied about several different things, I decided trying to communicate through them would be more of a headache. It has been over a month and Wisely has done nothing to help me. 3 of the five items received from XXXX were defective, and since the account was closed, I have no way to send the items back for a refund. I believe I was sent defective items on purpose. Then the last two items never showed up, which means they stole money from me because I paid for those items and never received them. The transactions that I told Wisely about via XXXX  were XX/XX/XXXX XXXX - {$8.00} XX/XX/XXXX XXXX - {$8.00} XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX - {$21.00} XX/XX/XXXX XXXX XXXX XXXX - {$19.00}. This company does not seem to want to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: Shellpoint Partners, LLC
State: NJ
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:
XXXX XXXX XXXX, XXXX XXXX XXXX AND NEWREZ LLC DBA SHELLPOINT MORTGAGE SERVICING, all were notified of the fact that I own my home and have no mortgage and the instruments that the above name ( s ) purchased were forged and fraudulent. 

The above named frivolously took action in XXXX Court are attempting to enforced forged documents with knowledge thereof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Experian Information Solutions Inc.
State: NV
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'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$400.00}.

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 non-monetary relief
Consumer complaint received 2022-04-25
Company: Global Lending Services LLC
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 went to XXXX XXXX XXXX to look at buying a new vehicle. I told sales person i only wanted my credit ran 1 time so i wouldn't have multiple hard inquiries on my credit report, now Im seeing at least 5 or 6 finance company on my report for the same day that my credit was ran at XXXX XXXX, that the only car lot I went to and only company I had run my credit. Can I have these hard inquiries removed?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Disputed and added remarks to three negative accounts with XXXX and Transunion after providing documentation to have the accounts updated and or deleted. Thus far XXXX is the only credit bureau who removed the accounts and personally reached out to me to go over the accounts in question.

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 2022-07-28
Company: Consumer Portfolio Services, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Do not recognize these companies that pulled a hard credit check without my permission!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Flagstar Bank, N.A.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been in chapter XXXX bankruptcy for several years, I dismissed the bankruptcy because I wanted to get my mortgage back in good standing. I requested mortgage assistance from Flagstar my mortgage company and they are giving me a difficult time processing with my request. I call to check the status of my mortgage assistance request, I'm always told I have documents missing or they have and incomplete file. I have faxed requested documents several times, I feel Flagstar is giving me the run around is trying to make me loose my home

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 2022-06-29
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2022 I made a {$200.00} deposit via the Truist Mobile Banking App to offset some purchases being made. Truist put a hold on my funds until XX/XX/2022 ; a full 10 days. In the past XXXX hours, they have charged me XXXX separate overdraft fees of {$36.00} totaling {$210.00}. When I contacted them to address the situation, I was told that since my account is new they have to hold mobile deposits for 10 days and that they would not refund my overdraft fees as my account was " too new '' to be eligible for such a courtesy. 

How is this not theft?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: GOLDMAN SACHS BANK USA
State: NH
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:
This complaint was already file by my husband, an authorized user on this card ( complaint # XXXX ) but it was rejected because he was not the primary cardholder. I am therefore filing it again as the primary holder of this card. 

The payment app/process does NOT allow paying an amount exceeding the balance due ; this results in the consumer paying excessive interest charges. For example in XXXX a consumer has a bill for {$5000.00} and pays only {$3000.00}, in XXXX the consumer has a bill for new charges of XXXX plus the remaining/unpaid XXXX plus interest charges. The interest charges accrue until the balance is XXXX. The consumer is only allowed to enter the current balance by the credit card payment app so before the payment is processed by the credit card company any new charges will be subject to interest charges ( as the balance will remain above XXXX ) ; the processing of payments is controlled by the credit card company resulting in the consumer continuing to pay interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
So this is with Nissan Motor Acceptance. These people practice bad business and will lie and scam. I owed them XXXX  XXXX XXXX  left about {$500.00}, they charged off my account and told me I owed them this much. I called and paid, they used this XXXX matrix billing and a secret private line to take your bank information. After I paid for, they told me to call back in 21 days to check. I told them its already taken out of my bank, it should be in your system real soon. They claim that it wont show in their system in 3 days. So I was about to call them today is XX/XX/2022 and I notice they reported to the bureau on XX/XX/XXXX that I still owe them {$500.00} and its a charge off too! even though I paid {$510.00} because of the stupid {$3.00} fee. They even got my name wrong especially my middle name.They didnt report my full payoff amount in what I owed and now lie demanding to pay them {$500.00} again and Im sure its gon na happen again and again. They reported just few days ago that I didnt pay them even though I have the my bank statement and the receipt. Thats some crook practices. I never again ever want to do business with these folks, and never ever recommend anyone purchasing or financing from Nissan. They will lie and get you in trouble to make money off of you. These guys are absurd and full of XXXX. Dont recommend financing anything with them. They XXXX lie very good!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-06-29
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My checking account was closed with an overdrawn balance in amount of {$190.00}, this includes two funds transfers in amount of {$50.00} each as well as a provisional credit reversal in amount of {$290.00}. I was referred to account recovery for payment. The provisional credit was placed on account due to a debit card claim in amount of {$290.00}, an item ordered from XXXX, never received. The item was shipped via Fedex with a forged signature, which was explained in numerous prior CFPB complaints. Wells Fargo reps ignore this fact, referred me to account recovery for payment, in which case, I do not pay for items not received. I previously requested a notice from collection agency handling account, nothing provided to date.

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 2022-06-29
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Names and address reporting incorrectly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Fl XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act, TRANSUNION has violated my rights multiple times. 

15 U.S. Code 1681 section 602A. States I have the right to privacy 15 U.S. Code 1681 section 602A Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions.

1 ) Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

2 ) It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

-They have proof of the actual order from original creditor XXXX XXXX XXXX being cancelled and refuse to remove it. Initially XXXX XXXX XXXX couldn't find the package that was returned, once I gave them the tracking number they found it they sent the corresponding order to XXXX to remove the collection, but XXXX refuses to. In previous correspondence letter sent to TRANSUNION they could not VALIDATE the account, therefore it should be deleted 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