BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Dear Financial Bureau, Consumer Services, I am writing to file a complaint against Wells Fargo regarding overcharging on my vehicle loan. I have recently discovered that Wells Fargo has been overcharging me for my vehicle loan by adding unnecessary fees and charges to my monthly payments. 

Upon reviewing my loan statements, I have found that there are several charges that were not properly disclosed to me at the time of signing the loan agreement. These charges include but are not limited to, application fees, processing fees, and other undisclosed charges that have resulted in a significant increase in my monthly payments. 

As a customer, I feel deceived and taken advantage of by these excessive charges. I believe that Wells Fargo 's actions are in violation of fair lending practices and have caused me undue financial hardship. 

Therefore, I am requesting a full refund of all overcharged fees and charges. I would appreciate your assistance in resolving this issue as soon as possible. Thank you for your prompt attention to this matter. 

Sincerely, 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 2023-12-12
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:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-01-18
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Even though Im ( the living human ) and not ( the entity person ) responsible for the debt claimed below, I have made several attempts in XXXX to offset the debt the accounts claim I owe. All of the accounts refuse to accept the payments I sent them to offset the debt and thus credit scores have been negatively affected and severely hindered the ability to act in commerce! 

So in accordance with the Fair Credit Reporting Act, the accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to all the U.S. Codes : 15 USC 1681, 15 USC 1691, 15 USC 1692, 15 USC 1602, and 18 USC 894. 

Also, using my TRADENAME without my express written consent is in violation of the Michigan Legislature - Identity Theft Protection Act 452 of 2004 - MCL Section 445.65. 

The Names reported : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX The accounts in question are below : XXXX XXXX XXXX - {$1400.00} XXXX XXXX XXXX {$7500.00} XXXX XXXX- {$29000.00} XXXXXXXX XXXX XXXX {$5500.00} XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX {$14000.00} XXXX - {$6200.00} XXXX XXXX {$4500.00} XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX- {$3300.00} The ( credit furnishers ) have blatantly violated my consumer rights and acted in restraint of trade which is in violation of 15 USC 1 and 15 USC 2.

Also, it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent. 

15 USC 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain any of the following items of information.

Any other adverse items of information other than the records of convictions of crimes that antedates the report by more than seven years.

15 USC 1681s - 2 ( a ) Duty of furnishers of information to provide accurate information. 
XXXX XXXX information with actual knowledge of errors A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
According to my research about FCRA 605, 3 credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/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 2023-11-06
Company: Experian Information Solutions Inc.
State: NC
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have reached out to XXXX Credit Bureaus last XX/XX/2023. And now we are in the month of XX/XX/2023 and still nothing from them. That means XXXX Credit bureaus have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THIS ACCOUNT IS STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : 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 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Attorney XXXX XXXX of XXXX had written a letter to XXXX XXXX to have them remove {$19000.00} worth of credit that we never consummated. In short, XXXX XXXX ( XXXX ) wanted to install a solar system at our residence at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX but they never installed it. Attached is the letter sent to 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 2023-02-14
Company: EQUIFAX, INC.
State: CA
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:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : XXXX. XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: ENCORE CAPITAL GROUP INC.
State: TX
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:
On XX/XX/2023, when I checked my credit profile, I noticed there was a collection account from Midland Credit Management. The account balance is {$1000.00}, accounting to my credit profile. I dont know this company and have no business with them. I asked for information regarding this and never received any response from them at all. I never even received a bill from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: DISCOVER BANK
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Adverse action provided was " unable to Verify credit/application '' was told that it was not credit related but I can not locate the problem and Discover Financial Services will not help my determine what information needs to be verified.

No issues with the info on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : -, XXXX XXXX XXXX XXXX XXXX. XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX  XXXX Balance : -, XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1600.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX  Inquired on XXXX XXXX, XXXX, XXXX - XXXX XXXX Inquired on XX/XX/XXXX 2022

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 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This Consumer Note is my official call for you to discontinue reporting the items below-displayed and the aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and otherwise physically verified and validated claims. Due to at least these few compliance issues in your current reporting, I demand you prove beyond doubt your claims ( s ). 
This XXXX item is deficient as reported, as below-displayed in evidence of uncertified XXXX questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the METRO @ FORMAT compliance since, I wanted to inform all parties that in the last thirty ( 30 ) days I have contacted the Federal Trade Commission. The bureaus have not responded and the Federal Reporting Agency has not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information.

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days. 
Please delete the following account the are not accurate : XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX OH XXXX the above accounts are not correct. I have challenged them before.

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 2023-01-12
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the accounts was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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 2023-01-18
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This creditor ( RADIUS GLOBAL SOLUTION ) is stating because of the age of the debt, I can not be used. They sent a statement stating that I can renew the debt and the start time period for the filing of a lawsuit against myself if I take specific action such as making a written promise to pay. I did not take any action for this debt. I did not purchase or sign any contract for services from XXXX in 2022.

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 2023-11-26
Company: MOHELA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My student loan servicer used to be XXXX however in XXXX of XXXX I received the following correspondence The U.S. Department of Education ( ED ) has transferred the customer service of your federal student loan account to MOHELA, another member of EDs federal loan servicer team. Your loans were not sold. 

This was after I had submitted my application to the student loan website for my annual income driven repayment plan and had received information from XXXX and XXXX XXXX XXXX XXXX XXXX in XXXX that that application was processed and accepted and my monthly payments would be {$760.00}. 

When I went to the MOHELA website in XXXX to set up payments the amount due was for $ XXXX and it was listed as my Pay as you earn amount which I did not apply for. The loan servicer also listed the following information which was incorrect : XXXX Pay As You Earn XXXX {$770.00} XX/XX/XXXX XXXX Pay As You Earn XXXX {$2300.00} XX/XX/XXXX XXXX Pay As You Earn XXXX {$1700.00} XX/XX/XXXX What is blatantly obvious about this information are the dates- I did not apply for nor did I make payments in XXXX as it was still under forbearance- in fact there are no records of any such application. The information listed here is inaccurate. I contacted MOHELA to have this corrected and I was told that I needed to contact student loan government website to have them resend the completed application. I did this and I was told by the student loan government website that they could not do so. 

I am now being told by MOHELA that I have to repeat the application all the while being responsible for that payment amount they have listed currently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. The accounts in question are as follows : XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00}. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-05-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : -, XXXX XXXX XXXX Balance : {$590.00}, XXXX XXXX A XXXX Balance : {$1700.00}, XXXX XXXX XXXX Balance : -, XXXX XXXX Balance {$530.00}, XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$110.00}, XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26
Company: Chime Financial Inc
State: MI
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:
CHIME BANK XXXX XXXX - Purchased Clothing Online @ XXXX  For XXXX Clothing Was Supposed To Arrive By XXXX XXXX XXXX XXXX XXXX 

Upon Arrival - It Has Now Been Over The Estimated Delivery Date XXXX XXXX Still No Update Or Response Even When I Ordered Expedited Shipping I Gave Them A Little Over A Day To Get Back With Me. 

Screw It - Decided To Cancel The Goods & Services Not Received. Asked XXXX  For A Refund. The Company Stated That Id Have To Return The Items Before Initiating A Full Refund.

The Catch - I Cant Return An Item That Has Never Arrived So Therefore How Would I Be Able To Receive The Refund. 

Dispute - I Took The Time & Disputed With Chime, My Bank Account Now They Say That The Merchant Is Not Responding. Claims Can Take Up To 10-20 Business Days To Resolve. MAX Could Take Up To 90 Days When This Company Has took XXXXXXXX Of My Cash In Less Than 5 Seconds.

Follow Up: It Has Now Been Over 8 Business Days & Ive Yet To Hear From Any Chime Rep About My Claim 

Side Note: Ive Had Claims Take No Longer Than 5 Days. Something Isnt Right. 

                         - THANK YOU APPRECIATE ANY HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX These companies are Violating code ( 15 USC 1681b Permissible Purpose ) however, I did not give my written consent for these accounts to be reported on my credit. These are not my accounts! I demand they get removed 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