BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Damage caused or loss of personal items in vehicle during the actual repossession

Complaint:
I was never informed of wrongful insurance that was placed on my vehicle loan without my permission until I found out about the settlement and after my vehicle was repossessed because the illegal insurance they placed on my loan. I called several times a few years ago, and tried to receive the actual amount of money they owed me that included the thousands of dollars of electronic equipment I had in my vehicle at the time of repossession. I also lost my business because I was left without a car. They never paid me for that.

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 2023-12-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was in the process of buying a house and i realized i had some damages on my credit report. According to the ( 15 USC 1681 law ) there should not be any damages on my report, it is defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: World Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been disputing world finance for a long time now, and they keep changing their remark back-and-forth. I have been requesting a copy of the contract, showing me that it was my debt they were refusing to show me a copy of the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I disputed information on my credit report that is not mine or inaccurate and you continue to ignore my rights as a consumer.I have not been able to get approved for anything, and that really hurts me and my family.You are supposed to conduct a reasonable investigation on items presented to you by consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: BARCLAYS BANK DELAWARE
State: MI
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:
I paid Barclays Bank who service my XXXX XXXX XXXX {$3700.00} on XX/XX/XXXX via an electronic payment from XXXX. I had XXXX fax them the electronic confirmation on XX/XX/XXXX since Barclays failed to apply the money to my account. I contacted Barclays-XXXX XXXX creditor via phone on XX/XX/XXXX and spent an hour on the phone and am being told it will be 1 to 2 billing cycles before they apply the payment they confirmed they received. I am being charged interest on a balance I do not owe. If the payment had been applied on the XXXX or XXXX this account would only have a balance of around {$400.00} dollars but instead has a balance being charged interest each day of over {$4000.00} dollars. 

I am being told they will contact me back about my case in 7-10 days. I should not have a case. They have confirmation of payment but they refuse to apply it in a timely manner and credit me the interest. 

I am being told its because they have millions of accounts they recently transferred from XXXX Bank. Which is not my problem they have been paid and are holding my money in limbo while they charge me additional fees and interest for a balance I do not owe them. 

I want my payment credited retroactive to the date they received it on XX/XX/XXXX and any interest credited as well.

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 2023-02-10
Company: Experian Information Solutions Inc.
State: DC
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 have made several attemps by sending dispute letters to all XXXX credit bureaus regarding enquiries and negative items on my credit reports. As of today XX/XX/2023 most of these accounts and enquiries are still showing on my credit report. Please remove them asap. I am having difficulties accessing any funding or even getting a job because of this issue. 

I need these companies to remove their accounts from my credit report immediately : XXXX XXXX XXXX in the amount of {$46000.00} XXXX XXXX XXXX  in the amount of {$18000.00} XXXX XXXX XXXX. closed account XXXX XXXX XXXX XXXX XXXX- charged off XXXX XXXX XXXX. closed account XXXX All XXXX XXXX XXXX XXXX XXXX  loans accounts for {$5600.00} - {$8900.00} - {$5700.00} - {$9100.00} And also the enquiries on my credit report aswell, XXXX  deleted theirs but the other XXXX bureus did not. 

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 explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was a victim of identity theft I sent copies of my identity theft report to the bank they denied my claim even though I haven't had or been given access to a debit card since XX/XX/2023 someone ordered and used a debit card linked to my checking account without my knowledge or permission I called the bank as soon as I gained knowledge of this situation they also took the money from my account without providing me written notice of the outcome of the dispute and that they were removing the credit from my account the dispute was closed on XX/XX/2023 and they took the money from my account the same day which is a violation of 12 cfr 1005.11 also I requested information " written explanation " documents that the institution relied on while making its determination and was denied my request another violation of 12 cfr 1005.11 ( d ) ( 1 ) this banking institution has violated my rights and charged me for fraud that they can not prove I do not have a debit card with them and I refuse to pay for identity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 writing to formally attest that I am a victim XXXX XXXXXXXX XXXX XXXX, as defined under section 605C of the Fair Credit Reporting Act ( FCRA ). I kindly request your assistance in complying with the legal obligations outlined in the FCRA to ensure the protection of my rights as a survivor 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 explanation
Consumer complaint received 2023-02-19
Company: The Outsource Group, Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Medicredit Inc. took money directly from my checking account on XX/XX/2020 and I don't have any record of why they did this. I called them, but they haven't called back. I can not access any record of why they took the money. I didn't discover this until much later when I was searching for records of medical bills I already paid and the doctor 's office/medical facility turned over already paid bills to collection. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: SYNCHRONY FINANCIAL
State: NY
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:
Syncb/Walmart reports to all three bureaus a 1x30 late prior to year 2019.

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 2022-08-22
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
In XX/XX/2022, I opened a Secured Card Savings Account with Truist Bank in XXXX XXXX, TX. Account # XXXX. I deposited {$400.00} to the card. Subsequently, I decided to close the account and in XXXX went in person to the local bank to do so. The teller advised there was no balance found and closed my account. 
On XX/XX/XXXX, I received a statement that there was still a {$400.00} balance on the card. I went back to the bank. The teller advised that there was now a balance, but because she had previously closed the account, it now needed approval to cash out the funds. 
I have visited the bank twice since then, called many times, and can not find anyone who will let me have my {$400.00}. The last time I went to the bank office, the teller would not speak with me until I paid an account fee of {$20.00}. Today I spoke with XXXX different bank employees, and just kept being transferred. 
I received a statement on XX/XX/XXXX still showing the {$400.00} balance, and a new statement dated XX/XX/XXXX showing XXXX balance. 
I am afraid that the bank is planning on keeping my money.

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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-07-25
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: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My information was sold and bought illegally because I was a victim of the Equifax data breach as a result I have illegal accounts on my credit report, I have cellphone in my name that I didn't apply for, I was a victim of XXXX fraud we're someone used my info. Equifax has admitted to me that I was affected by the data breach but has done nothing to take this illegal accounts of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/2022 I deposited a check in the amount of {$22000.00} dollars to Regions Bank. I was sent 2 emails that same date stating '' we are delaying the availability of {$5300.00} from this deposit. This hold will expire on XX/XX/2022, making the funds available to you the next business day. ". I received a second email that day stating " We are delaying the availability of {$16000.00} from this deposit. This hold will expire on XX/XX/2022, making the funds available to you the next business day. 
The funds of {$5300.00}. was not made available to me on XX/XX/2022. I went to the bank and spoke with one of the financial advisors and she said all funds were being held until after XX/XX/2022. I explained that is not what the email said and I did not receive another email stating ALL funds were to be held. She read the emails and could not comment on why the funds were not available to me as stated in the first email. She said she would speak with the branch manager and MAYBE someone would contact me. NO ONE CONTACTED ME AND THE {$5300.00} dollars are still not available to me

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 2022-04-23
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:
AFTER SEVERAL ATTEMPTS WITH SUPPORTING DOCUMENTATION ALL 3 CRA 'S MENTIONED HAVE FAILED TO THOROUGHLY INVESTIGATE, PROVIDE PROOF AND/OR REMOVE THESE FRAUDULENT ITEMS FROM CREDIT PROFILE. 

XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: NY
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 have carefully reviewed my credit report in Experian. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 

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 explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. Thank you. 
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 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 2023-07-25
Company: Experian Information Solutions 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-26
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have called emailed about 7 times I have had a credit balance for now over 30 days from borrowers defense payments back to my acct they refuse to release my funds to me .it 's owed I have a credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: DISCOVER BANK
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I submitted disputes for fraudulent charges for a company called XXXX on my account. On these charges it has listed a phone number of XXXX which is clearly an invalid phone number which is also pictured in the receipt provided by Discover. Originally Discover sent me notices telling me the fraudulent charges were deemed an error and the credit was permanent. Later I receive a letter as of today XX/XX/XXXX telling me the same reasons of the other fraudulent charges denial. Inconsistent information provided during investigation - only spoke to Discover once on these charges. Second reason was transactions do not indicate fraud and third reason was transaction is going towards a service or account that benefits the account holder. I called Discover to ask for documentation proof of account or service benefiting account holder and documents used Discover sent back a receipt that shows the XXXX phone number but it doesnt show a signature. It also does not show that I benefitted from this company. In fact I contacted the merchant first to let them know someone had stolen my information and the same day reported it to Discover also. I have not done business with this merchant ever in the past, and I have not received any funds or service from this merchant. I did not agree to their terms, and I did not sign any receipts or agree to purchase any service from this company. The company agreed it was fraud and yet Discover is now stating they will be deducting the credits from my account XX/XX/XXXX based on the receipt they got from the merchant. All the receipt shows is the card number. No signature and no proof of these transactions EVER being authorized. Im not even sure what this company is but it seems like a scam site. My card number was never provided to This company. Discover did not provide sufficient evidence stating these transactions benefited or were authorized by card holder. A receipt that is not signed showing the last 4 of the card does not Indicate these were authorized at any point. I did not receive funds from fortuneco and I did not sign up for any service with their company. This is true fraud and Discover provided proof I didnt authorize these but yet provide false denial reasons to side with the merchant. Holding the customer responsible for FRAUD. I have attached the receipt along with an email sent to this merchant advising of the fraud. This should be investigated and the merchant should be responsible for fraudulently charging my acct.

Company response to consumer: Closed with explanation