BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: Self Financial Inc.
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
XXXX Previously I filed a complaint with CFPB against SELF Lender. 

Self lender received my emailed cancellation request and responded with an with a cancellation email. 

This was all done within 30 days of my account being opened. 

There was no bill! 


The reason for this complaint today as of XX/XX/2020. 

SELF Lender going by this name, XXXX XXXX XXXX has reported me to the credit bureaus. 

They have my status as CURRENT and they have me with a balance of {$1600.00}. How is this all possible on a closed account with no balance? 

This will be reported and disputed with all credit bureaus and I am seeking legal advice if this doesn't get removed from my credit files immediately. 

This false information has dropped my credit score.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: WELLS FARGO & COMPANY
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
During my employment at XXXX XXXX XXXX. I had a 401K plan held by Wells Fargo Bank. I took out a loan to purchase a home against my 401K. I since then switched employers to XXXX XXXX whose 401k program is held by XXXX XXXX. I was in the process of purchasing a new home and wanted to borrow against my 401k again. This required me to roll over all my funds from Wells Fargo into the account I had at XXXX XXXX. I called an inquired about the process to Wells Fargo. The representative informed to to roll over the funds I would need to pay off the existing loan first then rollover the funds. I was to use the special request section on the forms provided to request that the loan was to be satisfied with the check included then rolled over. I received the rollover checks and submitted them to XXXX XXXX and I also received a check in the amount of the loan that was to be paid off which began to raise questions as to why they returned that amount to me and why the rollover amount did not match what I was expecting. Sure enough the processed the roll over but did not process the loan pay off. I have called Wells Fargo multiple times to correct the issue since now I have the hefty tax burden of an early withdrawal penalty and being taxed on tax differed monies. Wells Fargo first tried to tell me that there was nothing to be done about the issue. Then as it escalated they said I was made whole again because they returned the loan check. The next step was that they would help and they finally admitted to the clerical error, but I would need to send a check to XXXX XXXX for the sum of the loan I originally took with Wells Fargo. I explained to them those monies went to pay for the new home I am living in, and that stopping the closing at that point would of resulted me being in breach of contract and subject to penalties as well. Wells Fargo said that is the last option they could accommodate to eliminate the discrepancy. Just buying a new home, I do not have the finances nor will I before tax filing to satisfy those terms, given a year or two I may be able to accommodate that request, but by then I will have suffered the tax penalty.

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 2022-09-05
Company: Incomm Holdings Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a Visa Vanilla gift card for XXXX XXXX in the amount of XXXX. I registered it in XXXX on their website so I could use it for a vacation that was coming up. Tried to use it for cabin rental on XX/XX/XXXX and it was rejected. I called the number on the back of the card to find there was only XXXX cents left on the card, and that the charges to this card started in XXXX as soon as it was registered. XX/XX/XXXX XXXX, XXXX XXXX and XXXX, XX/XX/XXXX cents, XXXX and XXXX cents. I filed a complaint with the company on XX/XX/XXXX. I have not received any kind of notification from them at this time. This card has never left my house!! When I checked the reviews on this company and their card they were awful. People are having the same problem that I am. I feel they are fraudulent. I am so upset about this. I don't think I will ever hear back from this company and it is just my loss. They said it could be 45-90 days before a decision could be made, and since it is like a debt card possible nothing will be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Cable service has sent convergent XXXX # XXXX a report of past due bill {$100.00} and have resubmitted back to the credit agencies on XXX 2017. XXXX XXXX has either paid that bill or it is n't her 's and would like to dispute the charge and remove it from her credit reports..

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 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I have reached out to XXXX, Transunion and XXXX. asking that they verify all of this negative account I also asked for proof of investigation, all agencies sent a copy of my credit report and no proof that these accounts belong to me. comparing all credit report all this account multiple inaccuracy and inconsistency between the three reports, so how is that these came back verified? no proof was of investigation was shown to me. XXXX placed a legislative freeze on my account which drop my credit score more than XXXX points i did not put a freeze on my credit file and it is very damaging to my credit I would like to have all of these collections deleted from my credit because I have never signed a contract with any of agency nor did I authorize any transaction with them. every single item on my XXXX XXXX and Transunion is not reporting as not disputed when i have indeed disputed so I am attaching my credit report because it's a lot of accounts

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 2022-09-05
Company: EQUIFAX, INC.
State: OR
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:
In accordance with the Fair Credit Reporting Act XXXX Account, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. 

Debt Dispute Violations by CRAs : They have reported late payments when I paid timely and in full accordance with my loan and XXXX agreement at the time of signing. The XXXX loan agency failed also in notifying a creditor that I disputed the debt that it has reported and has repetedly failed to conduct a reasonable investigation of my disputes, and, or correct or delete any of the inaccurate, incomplete, or unverifiable information within 30 days ( or 45 days in some cases ) of receiving notice of your dispute. 

When the loan was opened with he assistance of a XXXX counselor at XXXX XXXX XXXX it was stipulated in the loan agreement that due to my XXXX I would always receive mailed statements. No statements were ever mailed. My account was part of a system issues that removed my account from being billed. And, the billing status was never rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: EQUIFAX, INC.
State: AZ
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:
On XXXX-XXXX-2017, I file a complaint against Equifax with complaint number XXXX. about inquires that was reported on my credit report due to fraud! I have viewed my credit report again and as of XXXX-XXXX-17 there are certain inquiries that sting show on my report. In the response from EquiFax, from complaint number XXXX They have stated that XXXX XXXXXXXX and XXXX XXXX XXXX is not currently shows on my reports by them. Again, as of XXXX-XXXX-17, these inquiries are still present on my credit profile.
Equifax, have failed to not only comply with what was stated in their reply to my complaint against them. Equifax, has fail to comply with the Fair Credit Reporting Act Section 1681b ( c ) and continue to report these items is an serious breach of my privacy right.
I am now moving forward to file a compliant with the Attorney General Office and the Better Business Bureau for non compliance of State and Federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Didn't receive services that were advertised

Complaint:
capital one - XXXX  ending XXXX this card was open without my permission a fraudulent account i didnt notice until i settled the amount for less then the original amount because it was harming my credit. 
i contacted capital one about this issue and they told me that this account appears charge off and writing off so they couldnt do anything unless i settled the debt which i found weird, because of my situation they say the only way i get this removed and deleted and to get my information updated i had pay for deletion or pay for delete which since i have XXXX accounts with them capital one for a long time, i trust them and settled the amount! 
i dont know if the debt collector wanted the settlement and denied the issue at hand the reason why i call was because this not my account!!!! it was a fraudulent account!!!!! and they straight denied me, and when on settling they debt. also i verify they was going delete the inaccurate information before i pay them and they say yes over the phone which they never did and honestly i just want to fix this issue which is affecting my life and i dont want this to happen to anybody else because i love banking with capital one but they didnt hear my issue out when ahead and did whatever they wanted and did a horrible job at the time of this call all i want is for them to fix this issue thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-04-12
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance to the Fair Credit Reporting act XXXX account XXXX XXXX acct # XXXX, XXXX XXXX  acct XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, original creditor monthly payment acct # XXXX, XXXX acct # XXXX 120 day late payment, XXXX XXXX XXXX XXXX 30 and 60 day late payment have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: VA
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2017-03-15
Company: ALLY FINANCIAL INC.
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a vehicle ( XXXX XXXX ) from XXXX XXXX on XXXX/XXXX/XXXX. They arranged financing through GMAC ( I will attempt to attach the Dealer Transaction form ). The automobile was titled in my husband 's name. My husband is now deceased. I am trying to get a lien release on the title from Ally ( a company who apparently bought out GMAC ). They are claiming I owe late fees on he loan ( which was paid off in XXXX of XXXX ). The payments were made via automatic draw from my account for 72 months. At no time did GMAC or Ally notify me that I owed late fees ( which I could not have owed due to the automatic payments ). I have made three calls to Ally - XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I insisted I talk with a supervisor to dispute the late fees. I was connected to a man identifying himself as XXXX ( he told me he was a supervisor ). He agreed after our conversation to waive the late fees and said he would fax to me the lien release which I would receive in XXXX hours. He gave me a case number XXXX. 

I called Ally again on XX/XX/XXXX as I had still not received the faxed release. I was transferred to XXXX different people during this call ( over 1/2 hour on the phone ). I was told that there were no supervisors available and they did not know who XXXX was. They continued to insist that I owed late fees. When I asked them why I had never received notice of late fees in a timely manner so that I could dispute them - they said the address they had on file was different than what I was giving them. The last man I talked to said " It is your responsibility to contact us if you move ''. 
I have lived at my current address for 18 years. The correct address is listed on the dealer transaction form. It was an error on their part ( or GMAC 's ) if they have the wrong address. I feel as though they are extorting money from me by withholding the lien release until I pay money that I do not owe. I have asked repeatedly to talk to a manager and was told they do not have any managers available. Please advise me as to what my options are.

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 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX  # XXXX - has violated my rights. 

15 U.S.C 1581B Permissible purposes of consumer reports- ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

DID I GIIVE YOU WRITTEN INSTRUCTION TO FURNISH THIS ACCOUNT ON MY CONSUMER REPORT? 

FUTHER MORE THE FAIR CREDIT REPORTING ACT 15 U.S. Code 1681a - Definitions ; rules of construction- ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I HAVE NOT GIVING TRANSUNION, XXXX, XXXX ANY WRITTIAN INSTRUCTION TO FURNISH THIS ACCOUNT ON MY CONSUMER REPORT. 

This Agency is in violation of 15 U.S.C 1681

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 2016-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Transunion has fraudulent accounts on my credit report. The accounts are listed as XXXX XXXX XXXX and XXXX XXXX. I have never done any business with either of these companies. I have provided them with a police report to prove that I am a victim of identity theft and they 're still reporting these accounts as mine. They are in violation of FCRA 605 B.

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 2015-04-15
Company: American Collection Services, Inc. (OK, TX)
State: OK
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
American Collection Services has continuously contacted me attempting to get a hold of my mother. My mother called while I was on the phone. XXXX the debt collector disclosed all of the my personal information to my mother without my permission. Once he knew that I was on the phone, he then asked for me to talk to my mom about the accounts. After the account information was disclosed, I then tried to set up a payment plan where I could send in the payments or call them in each month. XXXX then refused saying that I needed to set up the payments with my checking information or a debit card/credit card. Told him that I was uncomfortable with the situation. He then said that we can not come to an agreement and that he would proceed with collection efforts. I attempted to set up a payment plan but now I might be getting sued because I do not feel comfortable giving my information over the phone. He also violated my rights in reference to the FDCPA by disclosing my personal information with my Mother, XXXX XXXX without my permission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX XXXX SUPERIOR COURT DOES NOT HELP RESOLVING THIS ISSUE. I 'VE TRIED SEVERAL TIMES IN THE PAST YEAR AND A JUDGEMENT REMAINS ON MY CREDIT REPORT ERRONEOUSLY. XXXX IS THE NAME OF INDIVIDUAL THAT PLACED THIS ON MY REPORT. PLEASE REMOVE THIS FROM MY CREDIT REPORT. THANK YOU The piece of information that is wrong that is showing is the name 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 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone used my information to open accounts in my name I want to dispute this immediately. I am a victim of identity theft and the following accounts are fraudulent XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$470.00} XXXX XXXX XXXX XX/XX/XXXX {$120.00}

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