BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-12
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation

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 2020-12-31
Company: Experian Information Solutions Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
On XX/XX/2020 I sent disputes to the credit bureaus about accounts that are not mine. 30 days have passed and the accounts are still reporting on my credit report and I havent received any investigation results or notification that an investigation had started. To my understanding the credit bureaus have 30 days to respond and they didn't. According to the 611 ( a ) if an investigation isn't completed within that time frame the accounts must be deleted. 
I also sent another letter on XXXX XXXX and I still havent gotten a response. At this point I feel like the credit bureaus are ignoring me on purpose and this is pushing me to file litigation. I am being stressed out by this and me being a victim of the XX/XX/XXXX data breach just makes things worser. 

Please delete these accounts 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
Consumer complaint received 2023-01-26
Company: DISCOVER BANK
State: TX
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:
My name is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. Last 4 of social security XXXX. 

This is a disputed Identify Theft and I have been on the phone with Discover Card for over 1.5 hours. During that time I was transferred from one person to the next, then waited for what seemed an eternity for next available agent. For 5 times, I was transferred then while on hold I finally was disconnected from Discover Card phone bank. Seems the discover card Fraud division has no clue how to get rolling on removing of the discrepancies and inquiries from my credit bureaus. This is totally unsatisfactory for any customer to be transferred this much. I have NOT done any business with Discover nor do I wish to. 

I have filed a police report with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Report number - XXXX. 

Should you have any questions, I can be reached at XXXX or my email at XXXX. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13
Company: EQUIFAX, INC.
State: NV
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: Problem with personal statement of dispute

Complaint:
I have disputed this problem over and over but once XXXX XXXX XXXX send info to CFPB or the credit bureaus it is taken as accurate instead of looked at and investigated. So once again I ask CFPB to investigate the reporting of my account to the 3 credit bureaus by XXXX. My account is being reported as 30 days late when my payments to the fall between 1-29 days late. Example : My XX/XX/2021 payment was made on XX/XX/2021 which would make it 5 days late. XXXX  reported my account as 33 days late to the credit bureaus. My XX/XX/2021 payment was current and paid on XX/XX/2021 so my account was current. XX/XX/2021 would have made my account 33 days late if I hadn't made the payment on XX/XX/2021 or anytime before XX/XX/XXXX but my account was reported to the credit bureaus before that time which makes it fraudulently reported. The Fair Credit reporting act states that an account can only be reported to the credit bureaus 30 days after the due date. My due date each month is on the XXXX of each month. XX/XX/2021 is 5 days not 33 days late. I called XXXX  and tried to get answers as to why their reporting and accuracy of my account is so different from when I made payments and my bank statements and again the answers that I got was all over the place. I spoke to two different employees one of which was a supervisor XXXX whom I ask about reversals of payments that were made. None of my payments have been reversed or unpaid by my banks. I pay with a debit card every payment and if there is no available funds the payment will not even submit to XXXX. I was told that I had made payments by giving my checking account info, never and the last four of the checking account that he gave me isn't associated with me or any of the XXXX bank accounts that I have made payments thru. Again I have NEVER made a payment to XXXX  using checking account information. I have always paid with a debit or credit card. XXXX has also charged a NSF fee to my account when none of my payments has ever been denied or returned. This entire conversation was recorded by myself and supposedly by XXXX and yes I informed both employees before during and after the conversation that they were being recorded, both said ok. XX/XX/2021 is just one of 19 times that XXXX has reported my account 30 days late when it wasn't. I don't understand their calculations of days but the FCRA and federal government makes it clear that reporting is 30 days after the due date not 30 days from your last on time payment!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: AMERICAN EXPRESS COMPANY
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: Public record information inaccurate

Complaint:
I have about 14 credit card inquiries that I have no knowledge about, I am a victim of identity theft where some one opened credit accounts with my information, I filed a complaint with the police department and credit companies and also filed credit fraud but they will not remove them..dont know what else to do..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
On or about XX/XX/2020 I went to Citizen Bank to open a savings and checking account from a mailing I received to get up to {$600.00}. Open a checking account get {$300.00} if left in for 60 days with a deposit of {$500.00} or more. Getting additional {$200.00}  if you open a savings account for minimum XXXX and leave it in the account for 3 months. Plus get additional {$100.00} if you do both. According to the terms this money has to be left on deposit until  XX/XX/XXXX. After numerous attempts to get the money out the {$600.00} was never deposited to my account. After numerous trips to the bank a car was made to corporate by the branch. I was informed then that I did not qualify for the offer because I had a checking account within a certain amount of time. My problem is they could have told me that at that time and I could have kept my money and we didn't have a problem. But if you're going to take my money for the promotion and keep it for the time specified then you should pay me the {$600.00}. Branch manager XXXX XXXX was tremendous help but not the right solution I was looking for. When I did the same thing with XXXX XXXX XXXX  they told me right then and there that I didn't qualify. Citizen could have done the same thing instead of taking my money. The promotional code for this offer was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: Byrider Franchising, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The contract between that I signed with XXXX XXXX XXXX ( XXXX/XXXX XXXX ) is void because I did not not consent to giving them Irrevocable Power Of Attorney. The contract is blank without a duly executed date, no witness. Nothing has been sworn to, subscribed or any acknowledgement of date. The Notary Signature does not appear of the document, and there is no date of commision. What County? What State? XXXX XXXX XXXX/XXXX XXXX gave me back the document without my wet ink signature. The signature on the document is a scanned copy of what looks like an exact replica of my signature, therefore fraudulent. It was a quick process, in getting the paperwork done, where they cashed in on my signature, therefore making securitization illegal. Numerous times I have brought this to their attention where both corporate and the franchise office ignored my complaint, calls, and all mail correspondence. They also ignored me when I requested a W9 so that I can properly file my taxes for all out of pocket payments. The forms 1099 A and 1099 OID allows me to do that according to IRS publication 1212, 26 USC 1271 ; UCC 3-419, 26 CFR 1.671-5 ( c ) & ( d ), loans - 26 USC 1273 & 26 USC. Since we can not pay a debt with a debt I have discharged the loan under UCC 3-603. I  would do a Notary complaint, but there isn't any information for me to pursue. XXXX XXXX XXXX/XXXX XXXX did not have a Notary present.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: Self Lender Inc
State: NJ
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:
self lender/ XXXX XXXX is being reported on my credit report. I do not have any knowledge of this loan, this is a fraudulent account that has significantly lowered my credit score, damaging my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I was not using my credit card often due to the store being closed in my area. I had set up autopay to pay my card and noticed that my balance was not going down as expected. I also started receiving magazines that I never ordered in the mail, I checked my online transaction history and realized that I have been charged for the magazines that I have never ordered. I have been contacting the company since XX/XX/XXXX about the issue and have been told that they are unable to resolve the issue, I researched the magazine company and had to find the phone number on my own to contact a real person, number given to me by Comenity Bank was a recorded line that hangs up when you ask for a representative. The person I spoke with stated that I have been receiving magazines since XXXX ( I have not, but starting receiving them in XX/XX/XXXX ). I have been in contact with Comenity Bank, spending over 5 hours of my time trying to resolve this issue with no resolve. They are refusing to reverse the charges on my card and I explained that I will not pay at all anymore until they refund the fraudulent charges to my account they refused and stated I needed to pay for the charges for magazines that I have never ordered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-05
Company: Dovenmuehle Mortgage, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We sold our home and the mortgage servicer received payment in full, in cash. They took an additional monthly payment out of my checking account via ACH. We need that money immediately for the purchase of our next home. The process they outlined will take a month to correct their error. The practice of continuing to take ACH payments after loans are paid in full is a known issue. Who but the CFPB can hold them accountable and make this practice stop?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: FL
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 reviewed my consumer Report and noticed that I had 12 late payment on an account that I was never late for. Consumer reporting agencies have assumed have a vital role and have a responsibility to report consumer information to the best of their ability with maximum Accuracy. I have never been late on payments for the account ( XXXX XXXX XXXX ) Please investigate and provide with statements showing that these payments were late. if proof can't be provided I demand these payments be updated to on time as they should be as I was never late. thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: Exeter Finance Corp.
State: MS
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a car loan with Exeter finance. The car was stolen, so no payments was made. They where aware of the situation. They reported it to the credit bureau and when I called to 1 let them know the situation I was told if/when they got the car back it would be removed from my credit. Months later the car was impounded in a different state where they caught the person who stole it. I called them and arranged for them to go pick up the car even sending the spare key to the impound yard so they could get it. I called and made sure they got it now they are still reporting it. One credit bureau they are reporting {$12000.00} and on another they are reporting {$14000.00}. I want them to keep their word and remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On Saturday XX/XX/XXXX, I met a vendor via XXXX and we exchanged information to purchase a set of tickets for a concert occurring the same night ( texts included ). The concert tickets for the show were confirmed via photo. 

I received their information and had a brief call with them to ensure the legitimacy of the purchase. Following this, I transferred {$200.00} via the XXXX option on the Bank of America mobile application. 

The vendor continued communications for roughly 15 minutes to confirm the legitimacy of payment, and then stopped responding via text. Following this, I called and the number had been disconnected. 

Following this, I attempted to call the Bank of America customer service line which was not available that night because they were closed. I then called again during that week to file a fraud claim with their Fraud Department on Tuesday, XX/XX/XXXX. I was not asked any questions other than which transaction it was and the amount of the transaction, as well as a confirmation of my account information. I was told that in 10-45 days I would hear about the status of my claim. 

On Tuesday, XX/XX/XXXX Bank of America contacted me with a confidential message letting me know that my claim had been denied and that they may attempt to reach out to the other user to recover the funds, for which I could potentially hear back in 45 days.

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 2021-09-08
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: Their investigation did not fix an error on your report

Complaint:
I have contacted Equifax several times with my updated personal information in an effort to report fraudulent accounts in my credit file. They have updated the address I provided, then sent a postcard stating they don't have an account in my name. 
Equifax 's failure to follow federal laws written to protect victims of identity theft, they are engaging in defamation of my character and engaging in third party debt-collection activities over unverified debt. Equifax continues to state that they do not have a file in my name, however I have proof that they have my name listed in my credit file, and are failing to update it as my current name. After updating the Equifax several times and providing documentation of my name change, they continue to refuse to update it. The other major credit bureaus, including XXXX and XXXX have updated my information. This leads me to conclude that Equifax is knowingly and willfully engaging in identity theft, fraud, and use of my private information without my consent. Their automated system is failing to provide the required protection written by federal laws. 

Additionally, Equifax has failed to follow FCRA, FACTA, and E-OSCAR guidelines which state that information reported from identity theft must be blocked within 4 days. I have proof and record that Equifax received proper notice pursuant to federal law requiring them to block the fraudulent accounts. They have also failed to include a fraud alert, while the other major bureaus have updated my account with the fraud alert. 

Equifax additionally is obtaining information under false pretenses which holds them liable under title 18. Equifax has produced consumer reports to creditors whom submit application using my new name, which Equifax has also stated to me that they don't have a file on. How could a creditor pull my file using the same name I am using to contact the bureaus and these creditors are given access to my private an person information, but I can not access my file using the same information? 
I am prepared to sue Equifax if they continue to engage in criminal activity that is harming me and my reputation, for their engagement in third-party debt collection of unverified debt and for failing to following the federal laws that were written to protect me from this exact behavior Equifax is engaging in. 

I have record of all contacts between Equifax and myself, including certified mail return receipts and a Notary witness who signed that the relative documents were mailed out and received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: CITIBANK, N.A.
State: NY
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:
I found out about the problem with my CITI Bank checking account ( XXXX ) on XX/XX/22. 
I went to nearest branch of CitiBank and found out that my account was hacked. 
The hiker changed all contact information on my account. 
My account was hacked and total {$25.00} was stolen. I submitted the police report on this amount to be refunded. The wire transfer amount was returned by Citi Bank. 
But 4 NOT- authorized XXXX XXXX each of {$500.00} ( on XX/XX/22, XX/XX/22, XX/XX/22, and XX/XX/22 ) ( total is {$2000.00} ) are still not refunded. 
I have been a valued client of Citi Bank for more than 20 years. 
I have never used XXXX from my Citi Bank account. 
The matter is still not resolved

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