BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-14
Company: Experian Information Solutions Inc.
State: AR
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 would like to state that XXXX, Experian, and XXXX is in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave XXXX, Experian, or XXXX written consent to report anything on my consumer report. No consent is identity theft. I would like to state pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing XXXX, Experian, and XXXX these inaccuracies to be furnished on my consumer report, it may cause me to lose confidence in the banking system. If XXXX, Experian, or XXXX wants to continue to do business with me, they should delete these inaccuracies off my consumer report immediately.

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 2022-09-14
Company: Dividend Finance Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
The Dividend Finance, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Ca XXXX processed a loan prequalification application that I did not request or approve. They also ran my credit score and notified me via email that I my application for a loan had been approved. Again I have never heard of Dividend Finance. The company did talk to regarding the potential acquisition of a solar system for my home was Pure Energy, at no time did I agree to a loan application or any intention in purchasing a system via any loan process, I was merely seeking information regarding a " no cost " solar system using a Texas Incentive program. 

My complaint is the simple fact a financial institution operating in the US used my personal information received from a third party of which I did not give anyone the authorization to use for an application to obtain money from a lending institution. I did speak to a Dividend Finance person on the phone and they admitted that they ran a loan application with my information from Pure Energy but they could not produce any authorization from me for this action or to run my credit score 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 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-09
Company: Experian Information Solutions 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 status incorrect

Complaint:
Please pull the phone records for a conversation that took place approximatelyXX/XX/XXXX between myself and a XXXX customer service agent. I had received a statement saying I owed a very high payment. My understanding was you do n't have to pay until 6 months after graduation. So I called in because I had graduated only 3 months prior. The representative told me that I was correct and that XXXX starts sending statements nearly right away and I could ignore them until my 6 months grace period was up. After following the directions given to me by the XXXX customer service agent on approximately XX/XX/XXXX I waited another 3 months in " grace period '' and it goes by and all of the sudden XXXX XXXX notifies me that approximately 45 late payments were posted to my credit report. 1 for every sub-loan account on record with XXXX, and for every month, for 3 months in a row totaling to approximately 45 late payments. Even if it was true and I was late I would 've been late paying one payment per month not one separately for every single sub-loan account with XXXX! 45 late payments is malicious and has indescribably made my life a living XXXX. I 've been rejected to buy a house, I ca n't get a decent rate on my car loan, and basically my credit score has been brought down to the XXXX 's solely due to XXXX 's customer service giving me misinformation and their false reporting of every single sub account as separate payments when in reality you only make 1 payment not 15 separate payments to separate sub-accounts! I have submitted disputes directly with XXXX 3 times detailing my story and never once have I been able to state my case to a human. I send it in and the system rejects it and then I have appealed it every time as well and the appeals have been rejected too. I have called in and talked to customer service representatives who have confirmed that this has been a problem with many others and they told me to keep submitting more disputes ; which I have to no avail. I have also hired XXXX XXXX which I have been paying {$100.00} a month for, for over 2 years and they have filed many, many disputes with all 3 reporting agencies against these XXXX false reporting s. All of this time, money, and energy has been to no avail. This is ruining my life. I graduated and I got a good career and I have had my XXXX student loans set to Autopay ( never missed or late ever ) and yet I am be rejected for a home mortgage and can not move forward in life. Please help me consumer financial protection bureau! Please do n't let them just ruin my life!

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 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion Intermediate Holdings, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account for XXXX, XXXX XXXX XXXX and Bankruptcy. 
This has caused me tremendous anxiety, stress, and financial hardship.

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 2022-09-14
Company: SUNRISE CREDIT SERVICES, INC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Sunrise Credit Service furnished in my report from months XXXX for a debt that was not validated. XXXX had no right to furnish the report, as 15 USC g. ( C ) states the failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. XXXX also used deceptive tactics and sent deceptive forms stating the creditor was attempting to collect on the alleged debt. The creditor furnished this on my report as charged of on XX/XX/2020. This means the creditor was no longer trying to collect. XXXX harmed me mentally and financially by damaging my credit, stating that I owe an alleged debt which defamed my character. 

XXXX is in violation of 15 USC 1692j ( a ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed   XXXX   XXXX   XXXX   and won dispute and it was deleted off my credit report and all of a sudden it reappeared. I won the dispute so it should not be reporting back on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have a checking account and associated debit card from BMO Harris Bank ( BMO ), among other banking products. On the evening of Sunday XX/XX/2022, I received a notification from the BMO Mobile App ( App ) that a charge on that debit card was " Denied due to card issuer rejection ''. I did not recognize the merchant, location, amount, or time, and viewed the attempted transaction as fraudulent activity. To prevent additional fraud, I immediately disabled the debit card using the App. 
The next day, Monday XX/XX/XXXX, I called BMO for advice using the toll free number on the back of my debit card. After authentication and confirming the details, the representative set up a card replacement via mail. 
Per this conversation, replacing the card was something the bank representative chose. I did not request a card replacement, nor did the representative confirm that I wanted a card replacement. They phrased the situation like " to ensure the security of your account, we will be replacing your card ''. The representative did not disclose any fees for card replacement, and did not gain my consent to accept any fees. 
Today, via the App, I noticed a {$5.00} charge on my checking account for " REPL/EXPED FEE '', dated XX/XX/2022. I believe this is a charge for replacing my debit card. I view the charge as incorrect because I did not request or consent to that service. 
Furthermore, the debit card was due to expire next month, in XX/XX/2022. The representative could have seen this and chosen to rely on the routine card replacement process instead of specially ordering a new card. But because I did my part to report fraud as a vigilant customer, I ended up with an extra fee from BMO.

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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA.

These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-05-17
Company: Persolve, LLC - Legal - Series 2
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I purchased a car from XXXX XXXX XXXX XXXX and fell on hard times. My car was repossessed, and the debt sold to Account Resolution Association/Persolve. The debt is collecting interest and is currently nearly double the original cost of the car and certainly over the remaining charges after the car was repossessed, at {$20000.00}. The car was repossessed and yet they are charging me the cost of a new car and have not provided a break down of the charges. This is highly predatory considering the amount is so high it prevents me from ever being able to purchase another car or a home. I have tried disputing this debt several times and recieved no help. I would like the company to be investigated for gouging their costs and trying to bully consumers into paying hiked up fees, well over the original debt. XXXX/XXXX is already a horrible company in itself but the company that they hired for debt collection is worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX BANK XXXX CO ) 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 2017-06-01
Company: DISCOVER BANK
State: PA
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:
On  XXXX / XXXX / XXXX , Discover called about a payment. During the conversation, I offered to pay the balance in full if Discover waived interest accrued on the card in calendar year  XXXX .     The first agent was not authorized to make this transaction, so they forwarded me to a second agent. The second agent offered to waive two months of interest. I declined, and requested escalation to an agent authorized to grant my request.     The third agent stated that the second agent " was unfamiliar with your account type '' and the figures the first and second agent gave me were incorrect. He stated that they were not authorized to waive two months of interest. I requested escalation.     The fourth agent said that Discover could not waive more than one month of interest. I reiterated my offer : waive interest accrued in  XXXX  and I would pay the balance in full. The fourth agent again stated that Discover could not grant my request. I stated that I would be filing a complaint with the CFPB because of the inconsistent responses between agents.     The fourth agent, after reviewing my account, agreed to waive the  XXXX  interest accrued on my account if I paid in full " tonight ''. I agreed.     The fourth agent transferred me back to the first agent to arrange for the payment. Discover told me that the payment would be debited from my checking account on  XX/XX/XXXX .     Discover did not debit my checking account on  XX/XX/XXXX , as they said they would do. Neither my  financial institution not my Discover online access has recorded the transaction as promised by Discover. Monies moved to the checking account to pay the Discover account in full are now sitting in a no interest bearing account, waiting for Discover to fulfill their commitment, while the Discover  account continues to accrue interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
Case Number : XXXX On XX/XX/XXXX the purchase was made using Capital One Credit Card. As the product was never delivered I contacted Capital One and filed complaint. Later I received the message from Capital One that the purchase was valid regardless of the lack of the proof of delivery ( the received one did not specify house address, and it did not match the specifics of the delivery ). In the same message Capital One asked to answer if their decision was not accepted. On XX/XX/2002 the letter was sent to Capital One ( see attached ). As of XX/XX/XXXX no response was received from the Capital One regarding this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-14
Company: WAKEFIELD & ASSOCIATES, INC.
State: NJ
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:
There is a debt on my credit for {$2400.00} I sent a certified letter to the reporting company, Wakefield and Associates on XX/XX/2022. They received the letter on XX/XX/2022. I requested for them to verify the debt. After 30 days, on XX/XX/2022 I forwarded the letter along with the certified letter receipts showing the company received my request. I requested for the credit bureaus to remove this debt from my credit report as it was never verified to me that it is my debt. 

All 3 credit bureaus replied back that they have verified the debt and will not be removing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: EQUIFAX, 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 status incorrect

Complaint:
Please pull the phone records for a conversation that took place approximately XXXX XXXX 2015 between myself and a XXXX  customer service agent. I had received a statement saying I owed a very high payment. My understanding was you do n't have to pay until 6 months after graduation. So I called in because I had graduated only 3 months prior. The representative told me that I was correct and that XXXX starts sending statements nearly right away and I could ignore them until my 6 months grace period was up. After following the directions given to me by the XXXX customer service agent on approximately XXXX XXXX 2015 I waited another 3 months in " grace period '' and it goes by and all of the sudden XXXX XXXX  notifies me that approximately 45 late payments were posted to my credit report. 1 for every sub-loan account on record with XXXX, and for every month, for 3 months in a row totaling to approximately 45 late payments. Even if it was true and I was late I would 've been late paying one payment per month not one separately for every single sub-loan account with XXXX! 45 late payments is malicious and has indescribably made my life a living XXXX. I 've been rejected to buy a house, I ca n't get a decent rate on my car loan, and basically my credit score has been brought down to the XXXX 's solely due to XXXX XXXX customer service giving me misinformation and their false reporting of every single sub account as separate payments when in reality you only make 1 payment not 15 separate payments to separate sub-accounts! I have submitted disputes directly with XXXX 3 times detailing my story and never once have I been able to state my case to a human. I send it in and the system rejects it and then I have appealed it every time as well and the appeals have been rejected too. I have called in and talked to customer service representatives who have confirmed that this has been a problem with many others and they told me to keep submitting more disputes ; which I have to no avail. I have also hired XXXX XXXX which I have been paying {$100.00} a month for, for over 2 years and they have filed many, many disputes with all 3 reporting agencies against these XXXX false reporting s. All of this time, money, and energy has been to no avail. This is ruining my life. I graduated and I got a good career and I have had my XXXX  student loans set to Autopay ( never missed or late ever ) and yet I am be rejected for a home mortgage and can not move forward in life. Please help me consumer financial protection bureau! Please do n't let them just ruin my life!

Company response to consumer: Closed with explanation