BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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  ; XXXX  and Transunion are reporting incorrectly that I am ( 120 150 ) days late on the XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I returned the vehicle in XX/XX/XXXX and XXXX sold the vehicle at auction in XX/XX/XXXX. After I returned the vehicle in XX/XX/XXXX, I made a payment plan with XXXX. I have never missed a scheduled payment and therefore the lates that are being reported are completely false. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2015-10-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Am Filing this complaint because XXXX has ignored my request to provide me with the documents they have on file to verify the accounts I disputed under section 611 ( 5 ) ( a ) of FCRA thy are required to promptly delete all information I requested that can not be verifiedPlease resolve this manner as soon as possible Thank You

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I gave access to XXXX XXXX XXXX to my Wells Fargo and XXXX XXXX credit cards to transfer funds to me. I got cash advances and wrote balance transfer checks and XXXX XXXX  XXXX agreed to make payments to the credit card companies to pay for the withdrawals. They made payments initially but then reversed the payments. The reversals resulted in my card credit limits being exceeded by a factor of 3.5. Wells Fargo notified me that my card account had been closed and that the balance was - {$170.00}. I requested them to send me a check to take the balance to XXXX and they did. Shortly after, the balance went to - {$25000.00} after XXXX XXXX  XXXX reversed their payment. The credit limit on the account was {$17000.00}. The credit limit on the XXXX account was {$20000.00}. The balance soared to {$72000.00} after XXXX XXXX   XXXX reversed their account payments. One payment that was reversed was for {$52000.00}. XXXX XXXX XXXX took similar actions with my XXXX XXXX account. The account credit limit was {$20000.00} and the account balanced soared to {$57000.00} after their account payments were reversed.

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 2015-04-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My name is XXXX XXXX. My date of birth is XX/XX/XXXX, my social security no. is XXXX and I live at XXXX XXXX XXXX XXXX, XXXX. 
My issue is simple. I have never missed or been behind on any payments, absolutely none. Previous to the following my credit score was around XXXX. My grandson, XXXX XXXX, forged my name to a loan at XXXX in XXXX, Ga. The loan number is XXXX with a balance of {$7100.00}. In the presence of my son-in -law the bank President, XXXX XXXX and the Senior Lender XXXX XXXX went thru XXXX promissory notes ostensibly in my name but all three people agreed that my name was forged, absolutely without any question or doubt. After an attempt to clear this up XXXX XXXX XXXX ( a XXXX Bank afffiliate ) did not deny the forgery but instead told me before they would clear this up I would have to file a warrant to the local police department which would likely result in my grandson being sent to prison. I can not do that. 
I am now XXXX years old and my history reflects my true credit standing. It is as clear as a bell. 
Please help me with this. XXXX XXXX XXXX name is XXXX XXXX. My date of birth is XX/XX/XXXX, my social security no. is XXXX and I live at XXXX XXXX XXXX XXXX, XXXX. 
My issue is simple. I have never missed or been behind on any payments, absolutely none. Previous to the following my credit score was around XXXX. My grandson, XXXX XXXX, forged my name to a loan at XXXX in XXXX, Ga. The loan number is XXXX with a balance of {$7100.00}. In the presence of my son-in -law the bank President, XXXX XXXX and the Senior Lender XXXX XXXX went thru XXXX promissory notes ostensibly in my name but all three people agreed that my name was forged, absolutely without any question or doubt. After an attempt to clear this up XXXX XXXX XXXX ( a XXXX Bank afffiliate ) did not deny the forgery but instead told me before they would clear this up I would have to file a warrant to the local police department which would likely result in my grandson being sent to prison. I can not do that. 
I am now XXXX years old and my history reflects my true credit standing. It is as clear as a bell. 
Please help me with this. XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
Logged onto Experian web site to get credit report for {$1.00} in XXXX. Seven months later I find that I 've been billed {$21.00} per month for some type of credit monitoring program that I had absolutely no intention of joining. This is clearly some kind of " bait and switch '' trap to get consumers to agree to an unclear set of terms, and then bill the credit card for which they have your name, number and permission to make a charge. I would like to have a complete refund of the {$150.00} that I was billed by Experian for this bogus " service ''. This is clearly a scam and should be stopped. 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 monetary relief
Consumer complaint received 2020-02-27
Company: EQUIFAX, INC.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Dear CFPB, I was a victim of the Equifax data breach, and as a result, obtained XXXX  Identityworks data monitoring. I unfroze my account with Equifax in the fall to get a loan, and discovered last night that I am a victim of identity theft. According to XXXX, a credit card was opened in my name and my address was changed. I called Equifax this morning to put the freeze back on to my account and they refused to do it without charging me {$16.00} a month. I mentioned that I was a victim of their data breach and now a victim of identity theft, they refused to help and referred me to the hotline for the lawsuit. 
I just want my freeze back, and as a victim of identity theft am legally entitled to it. I don't want some guy in a call center trying to hustle me to subscribe for an Equifax product, when they were the source of this problem. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Avant Holding Company, Inc.
State: NY
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:
I got an alert that a new inquiry was made, from my credit reporting service, credit sesame. I also got an email from the company in question saying my application was denied. Both the inquiry and email are dated XX/XX/2022. I did NOT apply for this card and I've tried calling them and you are placed on hold, l finally got someone on the phone who refused to transfer me to their fraud department and told me it would take 5-7 days before they even send me paperwork to open a fraud investigation. This is utterly unacceptable. I managed to use my email was was used during this fraud attempt - and found the address which is in New Jersey ( screenshot attached ) The inquiry was reported by XXXX. Upon reading comments on the XXXX XXXX XXXX  website - I have seen multiple complaints that match mine in nature. 

The company information is Inquiry date : XX/XX/2022 Account : XXXX XXXX  Type : Finance/Personal Creditor Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX Phone number ( XXXX ) XXXX Once again, I DID NOT apply for this card at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
HELLO IM CONTACTING YOU ABOUT HUNTER WARFIRLD INC I BELIEVE THEY GO BY XXXX XXXX XXXX THEY HAVE BEEN HARASSING ME AND THREATING TO FILE LEGAL ACTION WHEN THE ACCOUNT WAS FROM BACK IN 2010 IT HAS BEEN PASSED 7 YEARS AND THEY ARE STILL ADDING IT TO MY CREDIT REPORTS I HAVE TRIED TO TALK TO THEM BUT THE DEBT COLLECTORS WERE SO RUDE TO ME AND BE CALLING AFTER HOURS WAKING ME OUT MY SLEEP THEY HAVE LEFT SO MANY MESSAGES ON VOICEMAIL ABOUT THIS MATTER I JUST WANT THEM TO STOP.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: Argon Credit
State: AL
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
First off, this is a predatory lender offering quasi-payday loans. 

It has lied in its response to CFPB : " Let 's start from the beginning, borrower has not responded to a single call or email EVER. '' You never responded to my e-mails about Alabama usury law. Company only kept trying to debit a closed bank account, causing NSFs. 

" A loan was taken out in the amount of {$2000.00}, fully explained the rate and terms. '' A bald-faced lie! This was a bait and switch process. Terms only divulged when the loan was finalized. 

" Under Alabama Law, only loans under {$2000.00} are covered by usury. Our Alabama license allows Argon to charge the rate we choose depending on borrowers credit. '' I have a Phd in law. Please reread the law -- up to {$2000.00}. Of course, scammers know best. 

" Adding up all the payments borrower has made equals {$1900.00}, less than the initial balance. she has {$75.00} in unpaid NSF, and {$120.00} in unpaid late fees. '' Bald-faced liar, again. The principal of the loan has been paid. 

" Not sure how she believes this is paid off, even if we were to give her an 8 % rate she would owe more than {$2000.00}. '' What kind of interest rates are you offering? Usury and predatory interest rates. 


" Borrower HAS to contact us by EMAIL to resolve this, as the complaints to CFPB are not the solution. We have no problem working with borrower, we just need to talk to her. '' Consumer has engaged an attorney and will have my attorney contact you. What about violation of FCRA? There is definitely a violation?

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 2020-04-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I attempted two recent wire transfers in the past 2 weeks. I received email notification from the bank ( Chase Bank ) that these were cancelled for security purposes, and directed to visit Chase.com Secure Messages for more information. I then attempted to log into my account, but received the following message : " We locked your account to protect it from suspicious activity. To unlock it, call XXXX ''. I duly called this number, was put on hold for over an hour, then disconnected. Twice! I can not access my funds. I can not log into my account. I can not speak with anyone at Chase to resolve the issue. As far as I am concerned, they have taken my money without any recourse or ability for me to access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: Synovus Bank
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:
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been in contact with Experian on several occasions about an entry that I noticed that was listed on my credit file that was not mine, which was reported by a company by the name of XXXX, Account number XXXX. I have also contacted XXXX XXXX requesting proof baring my signature and a copy of a contractual agreement that I had with them to proof that this account was mine. I contacted both entities through the USPS certified return receipt, and I have proof that a party representing their agency signed for the letter that I sent to them. To this day, both XXXX XXXX and Experian have yet to provide me valid proof as required and mandated by the FDCRA, and are both in violation of the FDCRA. Both Experian and XXXX XXXX are reporting fraudulent information on my credit file attached to my social security number, which will hinder me from getting credit approvals from various financial sources, in the future, if this fraudulent information is left on my credit file. I am demanding that the fraudulent entry of XXXX be removed immediately from my credit file, seeing that both entities have surpassed it 's 30 day allowable timely response deadline as allowed by the FDCRA, and can not supply any valid proof that this account is mine, because I have never had an account with 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 2017-03-11
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Unable to verify debt. No documentation sent to consumer. Please remove from credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2020-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX XXXX  HAVE FRAUDULENT INQUIRIES - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT FOR THE DATES LISTED. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO. THIS HAVE TO BE AGAINST THE LAW.

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 2021-10-29
Company: EQUIFAX, INC.
State: OH
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 am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : XXXX XXXX XXXX XXXXXXXX # XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  # XXXX -XXXX # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX # XXXX -XXXX XXXXXXXX  # XXXX -XXXX XXXX XXXXT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: SC
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:
The below are very erroneous and it is impacting my life my credit score. FCRA Section 623 ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX  HAVE FRAUDULENT INQUIRIES - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT FOR THE DATES LISTED. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO. THIS HAVE TO BE AGAINST THE LAW.

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 2020-02-27
Company: Ascendium Education Group
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: Old information reappears or never goes away

Complaint:
There are student loans showing on my credit report from 2008 which is from 12 years ago ( way too old to be on my credit report. I have tried disputing the info and reaching out to the collection company without any success. The collection company keeps reporting the info to my credit report which makes it seems like the information is new or the latest info. How can they keep reporting on information that is more than 12 years old. I have been unable to get this information removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: EQUIFAX, INC.
State: ME
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 regards to this account, there have been various issues. A letter was received, from OCC, earlier this year, stating company had obvious errors among credit reports. Attempts were made with credit bureaus, in regards to the reporting, yet no changes were made. Disputes with credit bureaus came back as verified. In turn, company mailed letter, dated   XXXX   XXXX   XXXX  , more than 60 days, since last complaint about this company. In the body of the letter, there are instructions to contact each credit bureau individually. his method was previously attempted. Each credit bureau is reporting different dates of delinquency, The company states in the letter dated   XXXX   XXXX   XXXX  , the account first became delinquent on   XXXX   XXXX   XXXX  , although  one  credit file has the first delinquent date as   XXXX   XXXX  . Another credit file has the date of first delinquency as   XXXX   of  XXXX . I have attached copies of the credit bureau files for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Item # 1 : I dispute XXXX - XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account. 
Item # 1 : I dispute XXXX - XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account Item # 1 : I dispute XXXX XXXX XXXX - XXXX and XXXX, this is not mines. I have attached ID Theft form. Please delete this account. 
Item # 2 : I dispute XXXX - XXXX this is not mines. I have attached ID Theft form. Please delete this account. 
Item # 3 : I dispute XXXX XXXX - XXXX, this account is not a charge of and has been paid in full. Please change account from charge off to paid in full. 

Please delete address XXXX XXXX XXXX XXXX XXXX Tx. Never lived there.

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 2022-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 fair Credit Reporting act, XXXX XXXX XXXX XXXX  has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1691 Section 604 A Section2 : also states a consumer reporting agency Can not furnish a account without my written instructions.

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

Company response to consumer: Closed with explanation