BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-09
Company: Ark-La-Tex Financial Services, LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I talked with a loan rep about doing a lot construction and permanent loan. He assured me with my VA status it would be no problem. Also I would not need to put anything down or 10 % of the construction cost. I moved forward with the application and discovered they was not able to do such a loan and what he claimed was not possible. I requested to speak with management about what happen and she attenpted to cover up the actions of the loan rep. I was mislead in an attempt to obtain my credit file. It was deceptive trade practice and false information about loan product.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: CA
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 writing to convey my DISSATISFACTION with your recent assertions regarding my accounts. I hereby CONTEST THESE CLAIMS DUE TO THE ABSENCE OF SUBSTANTIAL FACTUAL EVIDENCE TO SUBSTANTIATE YOUR ALLEGATIONS. Therefore, I strongly urge you to promptly COMMENCE A COMPREHENSIVE INVESTIGATION INTO THESE MATTERS WITHOUT DELAY. These claims have cast a significant cloud over my financial status and have the potential to inflict substantial harm on my creditworthiness. It is crucial that we expediently and accurately resolve this situation to prevent further adverse consequences. XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Please remove these accounts ASAP.

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 2023-04-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXXXXXX Balance : {$19000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$74000.00} ; XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$5200.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX {$25000.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$71000.00} ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
The car was in the hand of my ex husband possession and he was the responsible to make payments and kept the car after we separated, I didnt know he was late until the bank started calling me and trying to collect the money from me, I explain the bank I didnt have the car and I knew my name was in the loan but it wasnt fair for me to pay something that I dont have and I wasnt driving. So the bank repo the car from my ex house, so I paid all the repo fees and the late payments he didnt paid. I will take over this account and Ill be the responsible to the loan from now on because I have the car under my possession. If do you need probe all the fees I paid Im willing to forward that to 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 2023-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, I made a purchase with XXXX for a transaction of XXXX and I got charged for two amounts- one with XXXX and the other for XXXX. I didn't recognize the XXXX dollars so I reached out the credit card company, Capital One, to report this, and they categorized this as a fraud. However, a document generated on XX/XX/22 states that I or someone else benefited from the charge, so the charge was put back on the account for my responsibility.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-10
Company: CITIBANK, N.A.
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Citi bank continues to report on my credit with negative history. I have already submitted a early claim against them and they continue to report negative and destroy my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting 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:
I kindly requested that the companys verify the provided information Ive provided them and update my personal information records accordingly. Additionally, I requested them to uplift and remove any block for promotional purposes and the legislative security freeze on my credit report..And companys did nothing that was asked of them

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 2020-09-27
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: Public record information inaccurate

Complaint:
on XX/XX/2020 I wrote to XXXX  and Equifax credit bureaus regarding some suspicious accounts reporting on my credit report. i also tried contacting the business that is reporting this information but Equifax and XXXX  do not have any numbers or addresses listed on their credit report so i can contact them. XXXX  and Equifax are reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 fourth 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 ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$530.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$850.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00}.

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 2020-09-27
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
on XX/XX/2020 I wrote to Experian and XXXX  credit bureaus regarding some suspicious accounts reporting on my credit report. i also tried contacting the business that is reporting this information but XXXX  and Experian do not have any numbers or addresses listed on their credit report so i can contact them. Experian and XXXX  are reporting inaccurate information.

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 2023-09-29
Company: PNC Bank N.A.
State: NC
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/XXXX we had unauthorized charges come through our checking out, via my debit card. I was notified by text of three of these charges and marked them as fraudulent. I then followed up with the bank the same day to confirm that those charges were not going through and then they closed that debit card and sent me a new one. Later that afternoon I received a few notifications from XXXX stating that orders that I did not place had be shipped. I then called PNC back and asked why these charges still went through - they said that since it was my debit card, I would have to wait until the charges posted before I could file a dispute. 
Over the next few days I tried calling XXXX to cancel or refuse the orders that had been placed in my name and there was nothing they could do about it. The charges showed up on my account and said that the products were delivered to me but nothing was ever delivered. 

To define these charges/orders : - They all happened on the same day - at the same time - For the exact same product- in the exact same amount We filed one dispute and it took the full 90 days for us to get a response. The response detailed that 3 of the 14 charges were found as fraud but the other 11 were found as legitimate orders. The provisional credit was taken back and PNC closed our checking account AND my credit card without any notice. This is an account that all of our bills come out of, power, mortgage etc. These payments are auto-drafted and because the account was closed without notice we incurred various fees due to returned payments. 

It then took us a full 3 weeks to receive the cashiers check for the remaining amount in our account, to open a new account at a different bank, and for all of those funds to be available since it was a large deposit. 

I then filed a complaint with the CFPB regarding this situation and was placed with an agent at PNC. They filed a separate dispute XX/XX/XXXX and within 25 days we received notice that the NEW dispute went nowhere. I have provided a police report and a letter from XXXX stating that the 3rd party company that the fraudulent orders were placed with has since been removed from the platform for " quality reasons. '' In the meantime, my PNC representative stated that XXXX tried to issue the refund for the remaining funds but because they had closed our account, the funds were rejected. 

My representative at PNC then instructed me to call XXXX and see if they could reissue the refund. Since that instruction I have gone back and forth with both PNC and XXXX trying to find someone who can help, with no luck.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
Experian continues to violate my consumer rights. On XX/XX/2022 I sent a letter because Experian claims to have verified a bankruptcy and I requested a RE-investigation and method of verification with the specific details. XXXX, XXXX XXXX, Chair of the House Select Subcommittee stated that the consumer reporting agencies were not fulfilling their obligation to consumers or the CFPB in accordance with the FCRA as evidenced by insufficient investigations or just accepting the finding of furnishers without an independent investigation. My dispute is definitely an example of this. They report the court as the furnisher of the information. The letter from the court shows they blatantly lied. I provided them with my correct XXXX XXXX and address XXXX XXXX XXXX, XXXX NY XXXX and I have not received anything. I am enclosing the XX/XX/2022 letter I sent them, the letter I received from the court stating they did not furnish any information to Experian or anyone else, my consumer report showing the defamation of character by Experian, and a copy of my driver 's license as proper identification.

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 2023-07-05
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Thank you for your response regarding my recent dispute. I appreciate you looking into this matter. 

I wanted to clarify that my dispute concerns aligning the reporting format of the Date of First Delinquency field with Metro 2 standards, rather than the factual accuracy of the date itself which you verified. 

Specifically, Section 18.3.2 of the Credit Reporting Resource Guide 's published Metro 2 guidelines requires that dates of first delinquency be reported in XXXX format for accounts more than 24 months old. 

As a furnisher, XXXX is obligated under the FCRA to report consumer credit data, including dates, in compliance with Metro 2 technical formatting standards.

As such, I kindly request that XXXX reformat the Date of First Delinquency on this account to follow the XXXX format required for dates over 24 months old when you report this data field to the credit bureaus. The bureaus rely on furnishers to provide Metro 2 compliant information.

Please let me know if you have any other questions or need clarification regarding this Metro 2 dispute. I appreciate your cooperation in ensuring furnished data aligns to mandatory reporting standards. 

Thank you again for your assistance. 

Regards, 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 2023-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Kohl 's Capone {$630.00} XX/XX/2016 7 years and 3 months. They also continue to report to all three credit bureaus even though it's past 7 years old! I've repeatedly written letters to credit bureaus. This is a charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: AMERICAN HONDA FINANCE CORP
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/XXXX American Honda Finance Corp received my Tier XXXX packet which included a notarized durable power of attorney, Federal Reserve Act Section XXXX and XXXX which states all obligations shall be of the United states for all public dues taxes, etc. My instructions for claim of Credits as well as as my endorsed negotiable instrument signed without recourse. 
On XXXX i mail my Tier XXXX Packet which included my endorsed bill, Federal Reserve Act sec XXXX and Federal Reserve Act Section XXXX part XXXX and XXXX on XX/XX/XXXX i received by mail Honda 's response with a false payoff correspondence on XX/XX/XXXX i respond to the letter with my Tier XXXX Packet which included Notice of Default, My rescission letter as well as a cease and desist as well as my endorsed contract. I also send the same packet to the Corporate office in XXXX CA. 
On XX/XX/XXXX XXXX hires XXXX XXXX XXXX to come and unlawfully reposes my vehicle and refuses to give it back. 
I have done my performance on behalf of the account Honda refuses to accept and deposit my signed negotiable instrument which has caused me a lot of distress and suffering. I have a child who starts school next week i have to get him registered as well as make money to provide for our essential needs but due to the unlawful repossession i am stuck. i have Honda taking advantage of me while i am in the midst of an eviction On XX/XX/XXXX i spoke with Honda 's Recovery team i spoke with XXXX and someone by the name of XXXX or similar. XXXX let me know that he seen the documents i sent on their end and that it was in fact an unlawful repossession and that he sent over the information to management. XXXX from management reached out and basically told me that they do not accept my endorsed negotiable instrument and that i would have to pay in cash or by card as usual. I let him know that they are under false pretense because they are keeping my instrument and not getting it to the right department which has caused me loss and harm and a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
At least 5 incidents. Every time I've used Experian for a " free credit check '' ... The company takes your CC #, then signs you up for an expensive credit monitoring service, without clearly explaining this. Then when you try to cancel the service... Experian keeps charging your card anyway. Every contact and complaint to Experian directly, is totally ignored. 

Eventually you have to contact your CC company, and send them the screenshots showing what has happened, and your cancellation attempts. Your CC company has to refund the XXXX and cancel the service on your behalf. Often the Experian charges continue, and you have to repeat the entire process again. Your CC gives up, cancels your card and issues a new one. This results in a lot of wasted time, XXXX and effort. Other bills have to be updated to the new card #, and sometimes late fees occur before every bill can be updated. Over the years, this never changes. Yet Experian has found new ways to trick consumers into their scam, by having the public sign up for a " free credit score '' etc. through different company names, then after there's a billing issue, it's discovered it's really Experian. 

I've had countless screenshots over the years of this... But not readily available atm. 
But, I'm sure I'm not the only consumer who's complained to this agency, as the internet is full of identical complaints to my own... So why does this agency still allow Experian to even exist??? They are a full scam. They hold SSN, dob and sensitive data. They effect FICO scores which effects too much in people 's lives. They really should've been shut years ago. How am I still needing to go through all this again and again. They're literally hiding under other services ' names, because no one trusts them. End this madness. I'm out of time and effort to spend on this nonsense. Experian is not a government agency ... Why do they have so much power, and who is giving them authority? Any other company who had this many complaints of financial scam, and held personal data and power over all lending and credit ... Would've been shut down. So, that's it... Shut them down.

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