BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 602 A. States I have right to privacy 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a 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 2020-08-07
Company: Ad Astra Recovery Services Inc
State: TX
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:
The Account AD Astra was paid in full as of XX/XX/2020 and at this time AD ASTRA agreed to remove item from XXXX XXXX report as they have with the other bureau 's. I spoke with a representative on XX/XX/2020 from AD ASTRA and they indeed sent a request for this item to be removed in XX/XX/2020 to XXXX which still refuses to remove the item. AD ASTRA has instructed me that they would sent another report to XXXX as of XX/XX/2020 for this item to be removed. I want to make sure that XXXX  in fact does comply with this request and delete this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
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: Was not notified of investigation status or results

Complaint:
It has now been 60 days since I reached out to the credit bureau about issues on my credit report. They have yet to respond at all which I know is in complete violation of the FCRA guidelines, even with the extended timeline you have given them. PLEASE help to fix this issue

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 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
After repeatedly receiving harassing phone calls from XXXX XXXX  at XXXX XXXX XXXX XXXX, and reviewing my consumer report I became aware that an account with my personal information was placed in their office. ( Alleged Account # XXXX ) On XX/XX/XXXX, XXXX  XXXX XXXX XXXX , received a notarized Affidavit, Debt Disclosure Statement ( # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and a notarized Offer To Perform ( # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via USPS Certified Mail. ( See attached documents ) Per the Affidavit, XXXX had 21 days to respond with a completed notarized Debt Disclosure Statement. 

As of XX/XX/XXXX, approximately 29 days from delivery, I have not received a reply from XXXX. This was the remedy provided to XXXX and they have failed to perform. I will be sending out a Notice of Dishonour to XXXX executives within the next 48 hours. 

All 3 Major Credit/Consumer reporting agencies were notified of the errors on my report however they too have failed to meet their obligation in providing a Method of Verification or removal of the account. ( See attached for Proof of Delivery w/Certified Mail # ) XXXX XX/XX/XXXX XXXX- XX/XX/XXXX Transunion- XX/XX/XXXX I am aware that as a consumer I am permitted to privacy and a fully complete and accurate consumer report. I am also aware of the monetary remedies available to me provided by the United States in the event a debt collector or credit or consumer reporting agency violates certain rights, laws, andor statues.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Im not sure of the dates, but I know it was between XXXX and XXXX I had Wells Fargo Checking with my wife XXXX XXXX XXXX and we have not received any compensation for the overdraft fees and illegal things they did to our account. 

We also had an automobile that ended up being repossessed by them, but again Im not sure of the dates, but Wells Fargo should have them. 
Again we have never been contacted by the company.

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 2022-05-17
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:
Based on our review of your request and the information available to us, we have determined that either : your request to block was made in error, or, your request to block information was based on a material misrepresentation or, you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block. Therefore, we are declining your request to block one or more of the items of information. If you have additional relevant information that indicates that the disputed item ( s ) resulted from identity theft, please contact us again and provide this information. 

This statement was submitted by Experian in response to my submission of a Police Report as Experian requested as a prerequisite to remove an erroneous address on my credit report. They accused me of purposely blocking information when you can clearly see that is the way the Police Department submits their reports. The Police Department was kind enough to provide me with their copy that shows all of my pertinent identifying information. I resubmitted this information to Experian on or around XX/XX/2022. Experian received this information on or around XX/XX/2022. Proof of this is attached, Experian now needs to remove the erroneous address because they have exceeded their timeframe for investigation and did not follow up or respond to my dispute. In addition, I have provided the proper documentation from the Police Department with all identifying information as requested by Experian. This is around the XXXX 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 2022-05-17
Company: EQUIFAX, INC.
State: GA
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:
After repeatedly receiving harassing phone calls from XXXX XXXX at XXXX XXXX XXXX XXXX, and reviewing my consumer report I became aware that an account with my personal information was placed in their office. ( Alleged Account # XXXX ) On XX/XX/XXXX, XXXX  XXXX XXXX XXXX , received a notarized Affidavit, Debt Disclosure Statement ( # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and a notarized Offer To Perform ( # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via USPS Certified Mail. ( See attached documents ) Per the Affidavit, XXXX had 21 days to respond with a completed notarized Debt Disclosure Statement. 

As of XX/XX/XXXX, approximately 29 days from delivery, I have not received a reply from XXXX. This was the remedy provided to XXXX and they have failed to perform. I will be sending out a Notice of Dishonour to XXXX executives within the next 48 hours. 

All 3 Major Credit/Consumer reporting agencies were notified of the errors on my report however they too have failed to meet their obligation in providing a Method of Verification or removal of the account. ( See attached for Proof of Delivery w/Certified Mail # ) XXXX- XX/XX/XXXX Equifax- XX/XX/XXXX XXXX- XX/XX/XXXX I am aware that as a consumer I am permitted to privacy and a fully complete and accurate consumer report. I am also aware of the monetary remedies available to me provided by the United States in the event a debt collector or credit or consumer reporting agency violates certain rights, laws, andor statues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Information on bankruptcy that is being reported by Experian has information in it that is not correct. The account information including the court and judge name does not appear on this report as well as key information regarding the correct filing and procedures of this report. The address of the court reporting this bankruptcy is missing and is inaccurate and can not be properly verified as valid in XXXX county. The actual filing shows a date in XXXX but also shows a date in XXXX. Both dates can not both be accurate but only one date so this information is also incorrect information that is reporting under my name and has done irreparable damage to my 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 explanation
Consumer complaint received 2017-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I closed my capital one account on XX/XX/XXXX. I was told by them that I had to bring my account to date to use my miles. I paid the {$100.00}. I then paid the amount they gave me that would XXXX out my account as of the end of that day. I paid {$1600.00} and I was told by capital one that my air miles had a cash value of {$280.00}. That brought my account to XXXX. I asked them on a recorded line to not allow any more charges on my account as that account was now closed. Everyone agrees at this point it would have been a XXXX balance. They allowed charges after XX/XX/XXXX. They also reneged on the air miles without ever telling me. I found out in XX/XX/XXXX that the account was never closed. I disputed the charges on XX/XX/XXXX. In XX/XX/XXXX I was told they were going to review the tapes and get back to me. Even though they acknowledge that I told them in XX/XX/XXXXto close the account. The decision did not go favorably for me and I was never notified. What has happened here basically is Capital One has stolen my air miles that they said I could convert back in XX/XX/XXXX. 
I applied for a mortgage the first week of XX/XX/XXXX. I was notified at that time that my credit score was  affected by this Capital One issue. Capital One never contacted me with the result of the dispute. I called them immediately to resolve the issue. I offered to pay the charges and deal with the vendors for a refund- even after I told them not to allow charges and did n't feel I owed them. I felt as though they were extorting from me and using my credit report as leverage. I told them I would not pay for my air miles which was cash that was mine that was not refunded. I told them I would not pay late fees and interest. They were unwilling to work with me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
When apply for a car loan, dealership put my loan application through other companies. Adding other hard inquires. 

also I'm seeing a hard inquiry from I believe to be XXXX that I did not do. 

XXXX XXXX XX/XX/2021 XXXX 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
Consumer complaint received 2020-08-07
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: Was not notified of investigation status or results

Complaint:
it has now been over 60 days since I sent letters out to the credit bureau with absolutely no response which I know is a violation of the FCRA even with the extended time period you have given them. PLEASE help in finally resolving this situation.

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 2022-05-17
Company: WELLS FARGO & COMPANY
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took a loan with Wells Fargo in XXXX, I used to pay the loan on time by auto pay without any issue. I had some hard time due to loss of income and the pandemic, it became difficult to make the payments on time. Then i was able to bring my loan current. 
I had a specific representative assigned who assured me the following : - The bank will waive some of the late fees once i brought my account current and paid 3 consecutive monthly payments on time.

- The auto pay will be reinstated as well. 
That was a lie because, no fees were waived and the account can't go back auto pay because of the late fees. She jerked me around, she made me filled out all the required paperwork, and emailed them to her to set up auto pay. When the payment wasn't drafted on the first of the month, I called her. this is when i realized it couldn't be done because of the late fees. If i didn't call i would have incurred another late fee. 
All i am asking the bank is to work with me to waive some fees, so i can pay the rest, bring the account current and reinstated auto pay. 
There is another issue, i can't pay this loan on line, or at a local branch. The only way to make payment is by phone, wait for 30 ' and be transferred over and over before the bank graced you with the ability to fulfill your obligation. 
- I got a severe form of XXXX in XXXX of XXXX, I was on a XXXX  for a month, and in XXXX. I loss income months of income, it took me a lot of time to get back on my feet. All i want is for the bank to work with me with these fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: TCF NATIONAL BANK
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was charged {$74.00} in fees in which were not warranted. The fees state overdraft however my account was never overdrafted. My balance on XXXX was {$45.00}, on XXXX a deposit was made putting my balance at {$520.00}. Then I was charged XXXX for over drafting with a positive balance. This is n't the first time TCF Bank has tried to take money from my account for overdraft which never happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-04
Company: Resurgent Capital Services L.P.
State: AR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
LVNV FUNDING LLC allegedly bought an account in XX/XX/XXXX from XXXX XXXX, XXXX. This account was first noticed on a credit report XXXX XXXX. I paid XXXX final bill after we moved from the service location. Once we found out about the alleged debt, I contacted XXXX. They told me that they sell their debts to LVNV FUNDING , LLC and the SHERMAN COMPANIES. XXXX said there are NO RECORDS of me owing WINDSTREAM anything. If fact, they had no records at all. I went on XXXX XXXX and tried to dispute the debt. Finally, on XXXX XXXX, XXXX, I received a letter, dated XXXX XXXX, XXXX, from RESURGENT CAPITAL SERVICES who works for LVNV FUNDING , LLC about the alleged debt with XXXX. They said that they were " reviewing the inquiry recently received. '' It also stated that if I did not dispute the debt within 30 days, they would consider it valid. My husband and I then researched LVNV FUNDING , LLC, THE SHERMAN COMPANIES, & RESURGENT CAPITAL SERVICES. We were shocked at the horror stories of people harassed, sued and had their credit and lives ruined by these companies. I spoke to Legal Aid and they help draft a Demand of Validation of Debt to send to RESURGENT CAPITAL SERVICES, which also disputes the debt. Sent Certified Mail, Return Receipt Requested, signed by XXXX XXXX on XXXX XXXX, XXXX, ( USPS Tracking said letter arrived on XXXX XXXX ), of RESURGENT CAPITAL SERVICES. They had 30 days to respond. Today, XXXX XXXX is 39 days. Today my husband called RESURGENT CAPITAL SERVICES and spoke to XXXX. XXXX said she did get the Certified letter but they had already validated the debt with me on XXXX XXXX, XXXX. This is a LIE. My husband asked that XXXX validate the debt or REMOVE ALL FALSE INFORMATION FROM HIS WIFE 'S CREDIT REPORTS FROM XXXX, XXXX, AND XXXX. XXXX refused. This is why we/I are filing this complaint. Hopefully I can attach my letters with photos of mailing receipts, etc. I am asking that RESURGENT CAPITAL SERVICES ; LVNV FUNDING , LLC. REMOVE ALL THE FALSE AND NEGATIVE INFORMATION REPORTED TO XXXX, XXXX AND XXXX ABOUT THIS ALLEDGED XXXX ACCOUNT AND BECAUSE OF RESURGENT CAPITAL 'S COMPLETE FAILURE AND DISREGARD TO " VALIDATE '' THE DEBT IN ANY WAY SHAPE OR FORM. Please restore my credit because what they are doing is wrong and false and I am suffering from XXXX, living off of XXXX from Social Security and Medicare. Thank you for any consideration. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: KS
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:
My credit reports generated by Experian and XXXX on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX XXXX. No : XXXX clearly suggest conflicting information of 1. HIgh Balance, 2.Last activity and 3. Last payment which is inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name Experian XXXX High Balance {$0.00} {$3100.00} Last activity XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX XX/XX/XXXX - Credit reports of the three bureaus are enclosed.

My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I closed a XXXX loan in 2013, and XXXX did not require me to obtain XXXX Interior Condo Insurance. 2 Years later SLS is threatening to force place this insurance on my property because it 's their " Policy '' for me to have it when my note does not contain this requirement. It 's not fair to change the rules in the middle of the game.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: Halsted Financial Services, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
phoned work number at XXXX and at XXXX XXXX/XXXX/16 and XXXX XXXX XXXX XXXX XXXX/XXXX/16 and XXXX XXXX/XXXX/16 and XXXX XXXX/XXXX/16 and XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 and XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 EXCESSIVE CALLS TO WORK NUMBER MUST CEASE

Company response to consumer: Closed with explanation