BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-15
Company: Experian Information Solutions Inc.
State: NV
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:
Ive constantly contacted the credit bureau 's threw mail, online, and by phone and each time Ive communicated with them that there are several accounts listed on my credit report that are not mine. I believe that these entries are the result of identity theft or fraudulent activity, and I kindly request your immediate attention to rectify this matter in accordance with applicable laws and regulations. I have carefully reviewed my credit report from Experian dated XX/XX/2023 and identified the following accounts as invalid and or Fraudulent. XXXX XXXX XXXX XXXX XXXX These accounts do not belong to me, and I have never initiated or I have never had any affiliation with these accounts, and it appears on my credit report erroneously. I wish to emphasize that the inclusion of these accounts on my credit report is causing significant harm to my creditworthiness and financial standing. These accounts do not belong to me, and I have never initiated or I have never had any affiliation with these accounts. It seems that the credit bureaus keep disrespecting the laws. I showed them multiple times they are violating the Fair Credit Reporting Act. 

According to 15 USC 1618i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission.

According to 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has reasonable cause to believe the information is inaccurate.

( B ) Reporting information after notice and conformation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has be notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

The bureaus have no respect for the laws.

Someone needs to hold the accountable for this.

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 2023-01-29
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Credit acceptance illegally reports false information to your credit report. 

They initially denied knowledge of my vehicle but upon first complaints via CFPB they all of a sudden had every detail about a car they failed to properly report to the credit bureaus. They have fake people calling posing as counsel, theyre still improperly reporting the status of our account despite the account legally needing to be dismissed or charge off status. we gave all military documentation and orders to further prove and yet theyre still sticking to the theatrical tactics on a 7 year old account Their latest charade

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 2023-07-15
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 information incorrect

Complaint:
I am tired of going back and forth with Experian, XXXX, and XXXX for the same inaccurate information on my credit report for the last 3 years!!!!! 
Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! This has caused me not to get approved into a home and not being hired I have been going back and forth with the bureaus for over 17 months for the same accounts below! I ask that you delete these accounts immediately and I want to get compensated for each violation as stated in 15 USC 1681N!!! These are violations and effecting my everyday life all XXXX accounts are inaccurate as they have date of last activity different with each credit reporting agency as well as other inaccuracies as they are reporting inaccurate dates and amounts for all 3 credit reporting agencies!!! Delete accounts immediately as it states in the FCRA. XXXX XXXX and XXXX XXXX also reports several inaccuracies and need to be deleted immediately from all 3 bureaus. I am completely exhausted of the back and forth and am actively seeking litigation!!!

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 2023-05-17
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Company denied my application I paid off my debts on a account I dont remember for only XXXX and I received a letter saying Im not eligible to have a account it didnt give me the reason why and I dont know if they are checking my credit or not and I need to know why I cant have a account with this bank and someone give me a reason

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 2023-07-15
Company: Experian Information Solutions Inc.
State: WI
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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, WI XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-13
Company: Lending Club Corp
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of 2020 I spoke with a representative at Lending Club. I requested to have my autopay stopped. I was assured that the autopay was canceled and I can make one-time payments going forward. Lending Club did not cancel the autopay and withdrew money from my bank account resulting in overdraft fees and causing me to not have the ability to pay other bills. When I called to have the money returned the representative stated that it would take 7-10 days to return the funds. I waited the 7-10 days, but they did not refund it. During that time another loan that I have with them came due, loan XXXX. I explained to them that I could not make the payment on that loan because they still had not returned my money and I was trying to straighten out my bank account due to the damage that was caused by their company. I made several calls to them trying to explain what was going on, but no one there could seem to understand that the only reason my account, XXXX was late, was due to them taking an unauthorized payment for the other account that I have with them. Needless to say, the account was reported 30 days delinquent in XXXX because I was not refunded my money so I could pay my bills. I was shuffled around to different representatives and given misinformation multiple times. I was furloughed from my job during this time and made sure to pay my bills on-time even with my situation being difficult. The only reason the account became delinquent was due to Lending Club taking unauthorized money from my bank account. I want them to remove the 30 delinquency from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My debit continues to decrease as I have made on time payments on my bills. Experian continues not to increase my credit score. It has been the same score for three months, but XXXX and XXXX consistently raise or lower my credit score each month and some times weekly. My creditors are reporting to Experian on a monthly basis, but my score isn't being updated by Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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 make multiple payments on my account to stay under my credit limit. I have made more than 10 payments to my credit card account as direct draft payments from my checking account. In late XX/XX/2021 Capital One flagged one of my payments as needing verification of my checking account. I went through their process and provided all the documentation needed and they approved my payment. XX/XX/2021 Capital One has flagged one of my payments again. This time the funds have already left my checking account and they have suspended my credit card for 26 days pending another verification of the same account. Let me be clear Capital One has already accepted the funds and they have still suspended my account. I spoke with their customer service team and was told that the issue was above their pay grade. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XX/XX/2019 I applied for a savings account with XXXX XXXX XXXX. I was rejected because of a credit freeze I paid for adding a credit freeze and then I paid again to take off the credit freeze with Equifax about 5 years ago ... because of problems like this. In XXXX Equifax told me there was no freeze on my account. 
I just applied for a savings account with XXXX. I was rejected because of a credit freeze. 
I called Equifax and told them they had to fix their records and I can not conduct any financial business with Equifax reporting a freeze on my account. I spoke to XXXX, a manager at Equifax ( XXXX ) and he refused to help because his system was down at XXXX PT in the morning on a XXXX. I told him to take down my info and fix it later. He refused. 
Equifax needs to delete any freeze on my account. They are materially impacting my financial stability by denying me the ability to open and close accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2023, I utilized my Amex Blue Business Plus card to refer my husband, aiming to secure a referral bonus. At that juncture, the referral bonus stood at XXXX membership points. I possess video evidence wherein my husband employed my referral link during his application process, ultimately receiving approval. 

Upon verification with a representative, I was informed that the referral bonus would be credited to my account within XXXX weeks. However, as of XX/XX/2023 ( four months post the initial credit card approval ), I was informed by the representative that, following an internal investigation, no referrals were used. 

Reiterating, I have a recorded video illustrating my husband 's utilization of the referral link and subsequent approval. The motivation behind recording this evidence stems from a prior occurrence wherein a similar discrepancy arose in my account. I aim to ensure irrefutable proof of the referral usage and subsequent approval in this instance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dear XXXX  XXXX XXXX : I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of the consumerto dispute information directly with the furnisher. 

I'm also exercising my rights under section 9-210 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ). REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT, and if not received within 14 business days, I will be deemed this account settled and closed and removed from my ALL major credit reporting agencies. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account. 

If you wish to send me documentation that you will remove this account from my credit report, that is all I will require. 

Otherwise, please provide me with your documentation showing that this account does indeed belong to me. 

Please send me copies of the contract used to establish the account with my signature on it. 

Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30 day timeframe.

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 2023-11-20
Company: Aldous & Associates, PLLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2023 I signed up for XXXX XXXX via online platform which advised I could cancel my membership within 30 days with no penalty. I called XXXX on XX/XX/2023 XXXX  XXXX XXXX  and advised I would like to cancel my membership and was advised by the man who answered the line I would have to go online to Cancel.XXXX. I e-mailed as instructed and advised I would like to cancel my membership. I received a confirmation email on XX/XX/2023 XXXX XXXX XXXX form From : XXXX advising my membership has been canceled. I called XXXX  again on XX/XX/2023 XXXX  XXXX XXXX  and XXXX XXXX  to confirm my membership was canceled and spoke with a young man named " XXXX '' which he could not pull up my account and advised my membership was canceled. On XX/XX/2023 I received a letter from Aldous and Associates that I owe XXXX  {$7000.00} for canceling my membership and that I must pay this amount before or by XX/XX/2023. I went to XXXX on XX/XX/2023 at XXXX XXXX  mountain time and asked if I could have my contracted printed out and spoke with 2 separate men who discussed my account and advised that they could not print out my actual contract. When I asked for their name, they refused to provide their names or manager names. I am disputing this bill as I canceled my membership within the time period. I did not receive any emails or letters from XXXX advising that I was in " default '' with them. The only notice I received was the letter and email from Aldous and Associates

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
transunion has not fixed wrong info on my report loan was paid off in XX/XX/XXXX see paper work 36 month loan/lease ended on XXXX see attachments no pending payments as of XX/XX/XXXX how can they report XXXX thru XXXX of XXXX paid as agreed when there were no payments loan was done in XX/XX/XXXX and then reporting late payments when nothing was owed to them lock at the paperwork i am submitting count on your own 36 payments see ended in XXXX fix my report and add my statement

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of Identity theft. I have enclosed a notarized Identity theft Affidavit proving it is in Fact me that submitted this report I did not authorize these inquiry requests and I did not make these charges mentioned with the list. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: CIG FINANCIAL LLC
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:
I have a loan with CIG FINANCIAL. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the XXXX and XXXX Credit Bureaus and the CIG FINANCIAL but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. Investigate properly and please update for 100 % accuracy. 
CIG FINCL XXXX Date Opened : XX/XX/2014 Balance : {$0.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
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: 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. Despite the multiple previous written requests, the fraudulent items still remains on my credit report in violation of Federal Law. The Credit Bureaus failed to comply with Fair Credit Reporting Act, Section 605b within the time set forth by law and continued reporting of unverified information which now, I am complaining. These are the fraudulent accounts that I want you to assist me in removing these all : 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 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 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 2021-10-13
Company: EQUIFAX, INC.
State: GA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
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: Information belongs to someone else

Complaint:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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