BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had and account with XXXX and made e transfer on XXXX from me to my friend XXXX XXXX, i am proveviding proff of that in this report,,,,, ,This auto is not mine this is a mistake ....

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 2021-06-10
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent an initial letter on XXXX this year and sent a follow up email last XXXX but received no response from XXXX and TXXXX. I have sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure and negligence to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted punctually. I urge these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. 

They are in violation of Fair Debt Collection Practices Act because they did not prove validity of the debts, they failed to provide evidence to support ownership of the debt, they did not furnish the paperwork required to show 100 % proof that I own the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
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:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TRUIST FINANCIAL CORPORATION
State: PA
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:
Upon review of my credit reports, I have discovered several hard inquiries that should not be present as I have not applied for any services from these creditor. 

XXXX on XX/XX/XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Truist Bank XX/XX/XXXXXXXX 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 2021-11-08
Company: WELLS FARGO & COMPANY
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Hello, My deceased parents left my brother & I several Trust Funds being managed by Wells Fargo for almost 21 years. I have terminal XXXX and since XXXX have been asking the Wells Fargo to put in writing the account numbers with the account names which will pass down to my son after I pass away. They have sent me the account names but not the account numbers! They have shown preferential treatment to my brother, because he gives them more money from XXXX XXXX XXXX XXXX  The XXXX sales person / stock broker XXXX XXXX of Wells Fargo XXXX has verbally told me that my son will get about {$1.00} XXXX from XXXX trust and about $ XXXX from another but they refuse to put this info in WRITING! My attorney, XXXX XXXX of XXXX XXXX XXXX XXXX was also unable to get this info in writing.

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 2023-09-23
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX ================================== UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian =================================== 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Experian Information Solutions Inc.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX  XXXX {$990.00} XXXX XXXX {$19000.00} XXXX XXXX XXXX {$87.00}

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 explanation
Consumer complaint received 2023-09-23
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:
my situation is identity theft i have attached the forms neccessary to describe. please see attached

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 2023-05-25
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Purchased flooring from XXXX 's XXXX on XX/XX/XXXX via Synchrony XXXX Credit Card. Noticed that there were issues with the flooring after install and I contacted XXXXXXXX XXXX directly to resolve. They asked me to wait 90 days to see if it would resolve on it's own and it did not. After attempting to contact XXXX 's again to no avail, I reached out to Synchrony to file a dispute. On XX/XX/XXXX I filed a dispute in the amount of {$6000.00}. This dispute was entered by Synchrony as {$600.00} instead. XXXX 's did not respond to this dispute and on XX/XX/XXXX I received a credit of {$600.00}. I called Synchrony to inform them that the dispute credit was for the incorrect amount and on XX/XX/XXXX a new dispute was filed for {$6000.00} with a required response date of XX/XX/XXXX. XXXX 's failed to respond during this timeframe and then on XX/XX/XXXX, XXXX 's was sent another notification and was given until XX/XX/XXXX to respond. On XX/XX/XXXX XXXX XXXX responded to say that they were unaware of any problems. This statement from them was not truthful as I personally went into the store to meet with XXXX on XX/XX/XXXX and showed her a video of the sounds my floor was making. At this time, she stated that she was going to have her manager contact me. I waited 1 week and called XXXX back and spoke to XXXX who stated she was with a customer and once done, she would call me back- which never happened. On XX/XX/XXXX I filed a dispute thinking this would get their attention. However, because Synchrony filed the initial dispute for the wrong amount, I was forced to file a second dispute and reopen the case. I feel like Synchrony never did anything to work with me as they only seem to have cared about XXXX 's side of the story and sided with them in the dispute even though you can clearly see that Synchrony failed by filing the dispute for the incorrect amount and XXXX 's lack of, or slow, responses.

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 2018-10-08
Company: FORD MOTOR CREDIT CO.
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is regarding Ford Motor Credit. I do not, nor have i ever, had a loan with this company. I have been repeatedly receiving calls on my landline as early as XXXX XXXX  and as late as XXXX XXXX. The messages are cut off and only a mechanical number saying the same telephone number twice. This had been going on all of XX/XX/2018 it seemed. I must leave my phone on because of my mother 's poor health, but don't answer if I don't recognize the number. I'm at work about XXXX hours a day, but when I get home there are numerous messages, all the same from this same number XXXX. The message asks for a call back to XXXX. No place in the message does the call ID who is calling. It became such a nuisance that I called to ask who was calling. First the recording I received asked for my SS #. I did NOT type it in, but when I finally made my way through prompts and spoke with a person, the matter was supposed to have been cleared up. I had phoned from my cell and did give my name. Two days later, I received messages on my CELL phone and also then my email! When I called back, I was very upset, and asked to speak to a supervisor. This next person " XXXX, '' tried to get additional personal information from me. When I would not give it he told me he couldn't help me and would not transfer me to a supervisor. I have just checked my credit reports as I feared identity theft. NO Ford Motor Credit charges appeared. Please help me make this harassment stop. They now are using my landline, cell and email to harass me. And I have NO LOAN with them! In fact I have NO auto loan at all!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
in accordance to the fair reporting act XXXX  account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states i have the rights of privacy 15 U.S.C 1681 section 604 A section 2 it also states a consumer report agency can not furnish an account without my written instruction

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 2020-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX {$990.00} XXXX XXXX {$19000.00} XXXX XXXX XXXX {$87.00}

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 explanation
Consumer complaint received 2022-08-08
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: Account status incorrect

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

1. XXXX ACCOUNT # XXXX 30 days late in XXXX XXXX, 60 days in XX/XX/. 

2. XXXX ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Convergent Resources, 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: Old information reappears or never goes away

Complaint:
On and for the record, I initiated a formal dispute with CONVERGENT OUTSOURCING regarding the alleged debt and inaccurate derogatory mark listed on my Credit report in XX/XX/2020. I gave CONVERGENT OUTSOURCING 30 days to show evidence of the alleged debt obligation in accordance with FCRA and FDCPA. After FAILING to provide the requested evidence, I sent another letter giving CONVERGENT OUTSOURCING an additional 15 days to validate / verify the alleged debt evidenced by Certified Mail number XXXX XXXX XXXX XXXX XXXX. After Failing to provide evidence of the alleged debt within the initial 30 days and 15 day extension, I sent a THIRD letter evidenced by Certified mail number XXXX XXXX XXXX XXXX XXXX where I demanded that they request the UNVERIFIED Derogatory mark be deleted from my Credit reports. CONVERGENT OUTSOURCING FAILED to Validate the alleged debt AND FAILED to remove the mark from my credit reports. I then sent a letter to the Credit Bureaus regarding the alleged debt but the Credit Bureaus failed to remove it despite the fact that CONVERGENT OUTSOURCING has FAILED to Validate the alleged debt. It has now been 6 MONTHS and CONVERGENT OUTSOURCING has still FAILED to validate the debt in accordance with FCRA and FDCPA. CONVERGENT OUTSOURCING is using Unfair and Deceptive business practices and it is severely hindering my ability to obtain credit. PLEASE HELP

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 2020-08-13
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:
Experian is reporting incorrect Information on my credit report. My accounts are not reflects as being paid or over the balance.

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 2021-11-08
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have sent 3 letters to Equifax requesting more information on 2 accounts that are listed on my account as collections. No information is provided regarding these accounts. 
NO creditor is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
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:
NAME XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ZIP CODE XXXX You are in Direct Violatin of The Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX, XXXX, late payment dates are XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX late payment date XX/XX/XXXX ) has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instractions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.

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 2021-05-02
Company: BAM Management US Holdings Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2021 I received four emails ( one for each deposit ) saying that there wasn't enough money in my checking account to cover the 4 ACH deposits that were made, in the amounts of {$120.00}, {$200.00}, {$250.00}, and {$220.00}. The emails stated that if I didn't deposit enough money to cover these amounts within 7 days, the cryptocurrency in my account would be liquidated to cover these amounts. I followed the instructions in the FAQ on how to deposit more fiat, but it failed several times. I was finally able to deposit money into my account using my debit card on XX/XX/2021. I deposited a little extra to cover costs {$150.00}, {$200.00}, {$230.00}, and {$270.00}. All amounts show up as having cleared in my bank account. Since the company FAQ/support page stated that overdrawn accounts are usually restored within 5 days, after depositing the fiat, I simply waited. After all, they sent me an email automatically, it stood to reason that once they got their money, my account would be restored and I could trade again. After six days, and having had no contact from the company, and my account still locked, I sent them an email on XX/XX/XXXX, to which there was no reply. I finally opened a support ticket on XX/XX/XXXX. I got a form reply that they were still working on my ticket. I also tweeted under their company twitter with my ticket #, since it seemed that other annoyed customers who tweeted on their XXXX account got some sort of response. My tweet did not get a reply. 

On XX/XX/2021, I finally got a reply to the email I sent on XX/XX/2021. It thanked me for fixing my negative balance, and said my account would be unlocked within five days, and if it wasn't to send an email back to them. Five days passed, and my account was still locked. I sent an email to the account which told me to notify them if my account was still locked on XX/XX/2021, and received no reply. I checked my account this morning. As of XX/XX/2021, XXXX EST, my account is still locked, and I can not withdraw any of my money.

Company response to consumer: Closed with explanation