BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-19
Company: Experian Information Solutions Inc.
State: PA
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 have a mortgage showing on my Experian credit file from XXXX XXXX. This mortgage was obtained in XX/XX/2002 by my mother. We both have the same name and I'm certain this is probably why her mortgage is was mistakenly placed on my report. The mortgage is not negatively affecting my report, however I am now trying to obtain a mortgage myself and this is causing a problem for me. When the home was purchased I was only XXXX old at the time which would make it impossible for my to obtain a mortgage, I was only in the XXXX XXXX. I have made attempts to have this removed so that I can start my home buying process but it has been a hassle. My mother and I do have the same name, however our social security numbers, age, and other things will verify that this mortgage DOES NOT belong to me and I am requesting that it is removed from my Experian report and any other report it may be reporting on.

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 2023-09-13
Company: Experian Information Solutions Inc.
State: FL
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 am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-08-19
Company: LJ Ross Associates
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
L J Ross and associates is on my credit report. I reached out through certified mail and disputed this information as I never had an account with them. I asked that they verify and validate this information. I asked that they send an original contract with signature, full payment history and whole account numbers. I have disputed this twice. They also failed to update this as being in dispute which is a violation of FCRA. Also not reporting whole true accurate information is against FCRA laws. Please delete from my credit as you have violated many laws and this account is not mine and does not belong to me. This account is yours and belong to you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I called Credit Acceptance Co asking for Calculation of Deficiency or Surplus, which I never received in the mail.

Under UCC Article 9-616, a creditor who fails to provide the letter waives their rights to a deficiency.

Also looking over the documents gathered from the previous report my name was entered electronically without knowing. 
Also how can my trade name be used when my legal name status is XXXX XXXX XXXX. 
The installment that is listed on my credit report is nothing more than a credit sale which means it is usually sold at auction since it was voluntarily repossessed is usually sold at auction to pay off the unpaid balance. 
Credit acceptance has been reporting inaccurate information and would like it to be removed 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 explanation
Consumer complaint received 2023-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
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:
On XX/XX/2023 My account was/is being held from making any transactions. A debit amount of {$980.00} was taken out of my account and a amount of {$20000.00} is being held on my account keeping me from accessing my money in my account.

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 2023-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have had a Advance Tiered Checking Account ending in ( XXXX ) with Bank of America ( BofA ) for over 20 years. On XX/XX/2023, I was notified by BofA that there was potentially fraudulent activity on the account. They inquired if I had opened two new savings accounts using the XXXX funds. I replied that I had not. 

However, when I accessed my account online, there were XXXX savings accounts opened which I had no knowledge of, both funded with my XXXX funds in the amount of {$20000.00} ( {$40000.00} total ). 

I was directed by BofA fraudulent. division to go to the nearest BofA branch, present two forms of photo ID to begin to get this straightened out. 

My wife and I are the two exclusive account holders. We both went to the BofA branch, as directed on XX/XX/2023, identified ourselves as directed, as was assured by the branch that they would look into it for resolution in a timely manner. 

We were asked to check back in with them on XX/XX/XXXX, and we did so. We were told that the matter was being investigated, and the standard timeframe for resolution is 30-60 days. 

Meanwhile we have absolutely no access to our ( supposedly liquid ) funds. 

This places a financial burden on our family, and is detrimental to our, all important, FICO score. 

There is no understandable reason that the funds WE DEPOSITED, and we have proven ourselves as the legitimate account holders should be deprived OUR OWN funds because of obvious fraudulent activity. 

We are being financially impacted due to loss of access to our ONLY source of liquid funds, and consequently we feel BofA should provide compensation. 

We are sophisticated enough to understand the potential capitol to be made using these funds and the overnight exchange rate. 

Please expedite this resolution tor us to curtail our financial bleeding.

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 2021-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I applied for business credit under the impression it was a soft/identity verification pull on my personal account only. They ran it as a hard inquiry which I would had never agreed to.

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 2021-07-26
Company: Experian Information Solutions Inc.
State: VA
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:
On XX/XX/2021, I purchased a XXXX XXXX XXXX from XXXX XXXX of XXXX. Two days later, my husband met with the same car salesman ( XXXX ) in search of a used truck. After running his credit, it became clear that his payments would be incredibly high due to his poor credit score. Someone, either my husband or the car salesman, suggested having me as a co-signer in order to reduce the amount of the monthly payment. Please keep in mind that I was not present and did NOT provide any authorization. Allegedly, my husband told the salesman that he was interested in running the numbers IF it did not require any additional inquiries into my credit. Supposedly, the salesmen informed my husband that my credit information was already on file so there would be no need to run it again. However, this turned out to be untrue because I was unpleasantly surprised to discover 17 hard inquiries on my credit report. XXXX XXXX of XXXX refused to correct this error on their part, stating that it would be my responsibility to contact each individual bank to request an investigation. That would amount to hours of phone calls and months of waiting. I called the credit bureaus and was provided the same answer. That I would need to contact each bank individually. I did absolutely nothing wrong here. I was clearly taken advantage of and nobody is taking ownership of this wrongdoing. My credit score is very important to me. Please, can you help correct this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: FL
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:
Time has already passed but up until now, I havent heard any kind of response from the Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and to give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to correct the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-07-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
I just received in the mail a new response to my complaint. It`s still the same thing over and over again! Wells Fargo Auto Finance continues to attach a Loan Aplication with my alleged 'signature on it in three places. This is not my signature, and I do not have a copy of this. 

I looked at this page on the evening of the sale at XXXX XXXX XXXX, I refused to sign it as it had misinformation regarding my income. Upon return from a test drive, I was told the loan went through, i was confused. My credit score at the time was only XXXX. Also, Wells Fargo Auto Finance keeps using this as alleged proof for their loan. 

Written or typed amounts for income are not enough to allow a loan of this size to be distributed. There are no 6 months of Bank Statements showing Proof of my Income. I`ve contacted a free attorney as I qualify under the ADA for one. This is fraud, and Wells Fargo Auto Finance should know better.

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 2019-07-11
Company: CCS Financial Services, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is attempting to collect a debt from me for services not provided. I have never signed or agreed to a contract that states I will do business with them. I have attempted to have this company legally validate any alleged debt via certified mail. They have not furnished any such legal validation.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: CA
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:
My credit report is still showing late payment on XXXX XXXX XXXX XXXX XXXX despite the multiple letters I sent. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service representative.

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 2018-04-19
Company: Bread Financial Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/ PayPal Credit contacted me by letter alleging that I own a debt {$65.00}. I telephone called PayPal and was advised that I didn't have an account. I responded Pursuant to the Fair Debt Collection Practices Act, Demanding Information ; Verify the amount of debt, send a copy of written verification of debt with name creditor, Stop all collection efforts until I receive a copy of this written verification of debt. 

Received a letter dated XX/XX/XXXXalleging I owe {$24.00} for transaction dated XX/XX/XXXX XXXX, ( Account XXXX XXXX XXXX XXXX ) On XX/XX/, I received a bill from PayPal for {$100.00} which I do not own. 

Thanks for your attention regarding this matter. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-21
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened the American Express XXXX and XXXX card in XXXX after entering XXXX XXXX. Despite AMEX stating on their website that Military Lending Act protections are applied automatically, I was charged the annual fee for both cards. 

XX/XX/XXXX - Platinum Membership Fee appeared on my statement - {$690.00} XX/XX/XXXX - Gold Membership Fee appeared on my statement - {$250.00} I called American Express shortly after, expressing my concerning. The representative said that the protections would be applied and I would be reimbursed. I was not. 

This year, I was again charged the annual fees. 
XX/XX/XXXX - Platinum Fee - {$690.00} XX/XX/XXXX - Gold Fee - {$250.00} Totaling {$1800.00} in fees that I should not have been charged per the XXXX. 

Since being charged the fees this year ( XXXX ), I have reached out to American Express multiple times. 

XX/XX/XXXX : A customer service representative on the online chat stated I was ineligible for XXXX because XXXX debt incurred after XXXX XXXX. '' This is a blatant misrepresentation of XXXX protections and is incorrect information. 

XX/XX/XXXX : I called AMEX directly who stated I would receive information within the month. I did not. 

XX/XX/XXXX : I called AMEX directly. The representative looked over my information and stated that they saw my requests in there from last year. He stated he would submit the information again and I would hear back within the month. I did not. 

XX/XX/XXXX : A customer service rep on the online chat stated that they would submit an XXXX application for me and ignored my attempts at telling them that I had already tried this multiple times. He stated I would receive information in XXXX weeks. I have not. 

XX/XX/XXXX : A customer service rep on the online chat stated that the eligibility is still being processed and recommended I " may be instead eligible for the XXXX benefit. '' Again, this is a blatant misrepresentation of what I want and they refuse to acknowledge that they owe my the annual fees. She then directed me to a representative that would cancel my cards- which is not what I want. 

Upon request I can provide : - Credit card statements reflecting all XXXX charges - My military orders showing my XXXX XXXX time began prior to opening both cards - A statement from the XXXX XXXX XXXX XXXX reflecting my XXXX XXXX status

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is from ERC, which is trying to collect from an old XXXX account. I stopped service with them because I could NOT get any service in my new office whatsoever at the time. This was in 2011. This was 10 years ago! The person who called me about this debt told me that I still owed it, even though it was from 10 years ago. At this point, cell phone carriers don't even make you do a contract. I had to cancel this contract because I could not use the service. The who called me about this said the debt is not on my credit, but that I still owed. I don't see how this can be true? I want them to stop trying to collect from me. 
Basically, trying to collect on a debt that is over 7 years old does not seem legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: EQUIFAX, INC.
State: NY
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 submitted letters to all 3 bureau on XX/XX/XXXX asking to verify the following accounts and ensure that all of the information on them were accurate and correct. Each letter was mailed through XXXX and delivered. After about 45 days I received a letter from each stating that they updated some DATES and everything else was accurate. Upon very carefully reviewing my credit, these accounts still show a number of alarming discrepancies. There are multiple important dates, balances and even account status errors that I came across while conducting my review. 

The following are all of the accounts i request be reviewed. today is XX/XX/XXXX and all of the information for these accounts are incorrect. 

Account : Unsecured Loan Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


Account : Credit Card Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account : Credit Card Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account : Credit Card Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account : Credit Card Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account : Educational Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account : Credit Card Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


In accordance with the Fair Credit Reporting act these accounts have violated my rights.

15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH OUT WRITTEN INSTRUCTION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-26
Company: EQUIFAX, INC.
State: VA
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:
On XX/XX/2021, I purchased a XXXX XXXX XXXX from XXXX XXXX  of XXXX. Two days later, my husband met with the same car salesman ( XXXX ) in search of a used truck. After running his credit, it became clear that his payments would be incredibly high due to his poor credit score. Someone, either my husband or the car salesman, suggested having me as a co-signer in order to reduce the amount of the monthly payment. Please keep in mind that I was not present and did NOT provide any authorization. Allegedly, my husband told the salesman that he was interested in running the numbers IF it did not require any additional inquiries into my credit. Supposedly, the salesmen informed my husband that my credit information was already on file so there would be no need to run it again. However, this turned out to be untrue because I was unpleasantly surprised to discover 17 hard inquiries on my credit report. XXXX XXXX of XXXX refused to correct this error on their part, stating that it would be my responsibility to contact each individual bank to request an investigation. That would amount to hours of phone calls and months of waiting. I called the credit bureaus and was provided the same answer. That I would need to contact each bank individually. I did absolutely nothing wrong here. I was clearly taken advantage of and nobody is taking ownership of this wrongdoing. My credit score is very important to me. Please, can you help correct this issue.

Company response to consumer: Closed with explanation