BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
State: MO
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:
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.

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 2020-03-18
Company: Conn's, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
i had bought some appliances from Conn 's in XX/XX/2020 and when I received my payment book the amount was twice what it should have been. When I contacted them I was told that extended warranties and life insurance was added to my account. I contacted them and asked that they remove it and was told to contact their warranty department. I contacted them inXX/XX/2020, told them I wanted it removed and I dint recall asking for the additions. The representative told me it would be removed in a couple days. When I called back on XX/XX/20 I was told it had been removed but, my balance didn't change.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-23
Company: Westcreek Financial
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I had repairs completed on a vehicle and was approved for financing through XXXX XXXX. I was told that the initial payment of {$40.00} was due at the time of signing, which was paid. The agreement signed for their company also indicates that this {$40.00} as in initial payment. However, the payment amount of {$40.00} was not deducted from the total amount due. When contacted, the company states this was an application fee. However, there is no documentation or notification that this was an application fee that would not be a payment deducted from the amount due. The company refuses to deduct this {$40.00} from the total amount due. On review of their website under FAQ, question XXXX asks about an application fee and the company response is " At the time of application, a small hold ... will be placed on your debit card. This will process as your initial payment at the time of signing. If you choose not to proceed, this hold will be released. '' No indication of any application fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
this company did not remove 2 account that are over 7 years old from last transaction, each time i dispute, transunion writes to creditor and gets reply and they use that reply date as last transaction and in fact they transaction is responds date from communication from transunion to creditor, these 2 items in question has been charged off over 7 years ago and according to transunion own records and fcra, any account since last transaction over 7 years should be removed or delete, and that is what i asked, i checked with creditor and they have no records on this communication, i asked from transunion a procedure letter on this dispute over 30 day ago and did not get one, since transunion has 2 accounts, charge off account from over 7 years old, and did not sent me procedure letter on dispute, I ASKED FOR THE 2 CHARGE OFF ACCOUNTS, BE DELETED AND REMOVED, 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 2018-08-23
Company: JPMORGAN CHASE & CO.
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is in regards to a dispute for {$700.00} with the merchant " XXXX XXXX XXXX '' on my Chase Freedom Unlimited card. I brought my dog in to this merchant for XXXX XXXX and, ultimately, this merchant was negligent and caused my dog to get a 106 degree deadly fever. Full verification from a licensed and practicing veterinarian can be found with the documentation attached to this complaint. A full explanation regarding this incident can also be found within the attached documentation included with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: Capital Credit and Collection Service, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I had student tuition fees that had been unpaid and I got taken to court for them on XX/XX/XXXX, by XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. We negotiated the amount down to {$1400.00} being owed by me and that I would pay {$150.00} on the XX/XX/XXXX of each month for 12 months to XXXX. I called the office and set up automatic payments, Ive paid two payments of XXXX so far. I received a letter on XX/XX/XXXX from XXXX saying I was being contacted for debt collection for {$3900.00} being owed to XXXX XXXX XXXX ( the original debt amount before negotiated and settled in court ) and to call XXXX at XXXX. I do not understand why I am being contacted for a debt that has already been settled in court and Ive also made payments toward. I have the case number and documentation stating these things.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: ALLY FINANCIAL INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
my credit information was pulled buy a company that i did not authorized to gain access to my credit information on XX/XX/XXXX, XX/XX/XXXX which was a hard inquire conducted by this institutions without my authorization, will be delighted if this rectified. 
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

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 2023-09-03
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
Disputed the fraudulent inaccurate accounts multiple times with supporting documents and they still refuse to investigate or give writing information on how they came up with their verified information with supporting documents. So I advised them with the FCRA 611-15USC 1681i LAW. Demanding proof or deletion 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 2023-01-09
Company: Experian Information Solutions Inc.
State: CA
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 sent a letter on XX/XX/2022. I told credit bureaus to " investigate every piece of information '' on the accounts i have listed below. 
According to the FCRA The term " investigate consumer report '' means a consumer report or portion thereof in which the information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % accurate. 

XXXX XXXX XXXX XXXXXXXX THIS ACCOUNT NEEDS TO BE DELETED BECAUSE ALL INFORMATION REPORTING BY CREDIT BUREAUS IS NOT MATCHING AND ARE INCORRECT. 
YOU CAN SEE, DIFFERENT MONTHLY PAYMENT, DIFFERENT BALANCES UPDATED DATE.

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 2023-09-03
Company: Experian Information Solutions Inc.
State: DE
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:
I have a few fraudulent accounts appearing on my credit report. 
XXXX. I C System XXXX {$470.00} XXXX. XXXX XXXX XXXX {$28000.00} XXXX. XXXX Na {$7800.00} XXXX. XXXX Na {$10000.00} XXXX. SST/Medallion {$17000.00}

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 2023-06-05
Company: AES/PHEAA
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The account that shows a balance of XXXX is not my account. My loans are never XXXX. Fraudulent please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: The CBE Group, 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: Credit inquiries on your report that you don't recognize

Complaint:
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, not later than 4 business days after the date receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identify theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15U.S. Code 1681b-Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protect consumer. NO CONSENT IS IDENTIFY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
Company: SANTANDER HOLDINGS USA, INC.
State: GA
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 am a victim of identity theft and have a police report as well as an ftc report to support my claims. I have requested XXXX to delete and block a Santander Consumer account as someone had used my information to get a used car. My complaint is towards XXXX credit report agency as they refuse to remove it despite my proof of being a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: WELLS FARGO & COMPANY
State: FL
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 not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

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 2023-04-24
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: Credit inquiries on your report that you don't recognize

Complaint:
I have recently looked into my credit report and noticed unauthorized inquires that I am not aware of. I did not authorize any of these companies to run my credit. I contacted each company and neither one could give me any information on where the inquiry came from. I have reached out to the credit bureaus fraud department directly to resolve the matter but they have been unresponsive and ignored my many requests for a resolution. the items still remain on my credit report. 

XXXX Unauthorized Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquires : XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: 21ST MORTGAGE CORP.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
21 mortgage discriminated against XXXX XXXX & XXXX XXXX XXXX XXXX via delaying payments from XX/XX/XXXX to XX/XX/XXXX. The company representatives XXXX XXXX refused to provide important documents via email & letters until when Attorney XXXX XXXX XXXX ( XXXX ) XXXX. XXXX XXXX Telephone ( XXXX ) XXXX ext XXXX of 21 St Mortgage Company provided total XXXX Dated XX/XX/XXXX.  The refused to accept payments to increase company profits. The physical address is XXXX XXXX XXXX XXXX, XXXX GA XXXX. 
For six month 21 mortgage utilizing numerous schemes to increase profits. The home is not foreclosure. However, the company refused provide important information until Attorney XXXX XXXX XXXX Office to discuss why refused to accept mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: Experian Information Solutions Inc.
State: CA
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 Dept of EdXXXX acct XXXX XXXX, XXXX  acct XXXX XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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 can not furnish an account without my written instructions.

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 2020-05-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
To whom it may concern, I have a Costco Citi Credit Card, card was current and paid in full and in good standing. In XXXX and XXXX of 2019 I missed two payments back to back on my Costco Citi Credit Card. The reason why was my costco membership was automatically charged onto my credit card and I wasn't aware. As soon as I became aware I made a payment in full to bring my account current. These negative remarks are hurting my credit score from all three major credit bureau 's.

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 2023-09-20
Company: Experian Information Solutions Inc.
State: CA
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:
Noticed negative accounts was reported in my credit report XXXX - XX/XX/XXXX, both accounts were for apartments in the XXXX XXXX area. I never resident there due to me being station aXXXX XXXX XXXX XXXX XXXX while I was on XXXX XXXX service in the XXXX XXXX until XX/XX/XXXX. Accounts was then turned into collections as of XXXX - XXXX of XXXX and are derogatory. Closed credit card with XXXX XXXX  was placed on my credit report XX/XX/XXXX, I never opened an account with XXXX XXXX and status was updated on account XX/XX/XXXX. I sent multiple dispute letters over this time period and have received no results from the credit Bureaus.

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 2023-09-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This below accounts are being reported inaccurately as a charge-off, which in fact the accounts were paid in full. The companies are violating 15 USC 1681e ( b ) if there was in fact a charged off debt as well as 15 USC 1681s2. I demand that this account be deleted from my credit report immediately to avoid any civil penalties as I am prepared to exercise my legal rights under the FCRA. I have forwarded letters to the creditor and all three credit bureaus, and they have failed to adhere to the requests or respond. 

XXXX. XXXXXXXX XXXX  XXXX, account # XXXX ; XXXX XXXX XXXXXXXX account # XXXX, and XXXX. XXXX XXXX account # 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 2023-06-05
Company: U.S. BANCORP
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:
i have Two inquiries on my credit report that i did not authorize nor have knowledge of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Elan financial Inquiry Date : 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 2020-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 have contacted the credit bureaus on multiple occasions and they have yet to fix my issue. I have multiple inquiries on my credit report that I did not authorized and I need them removed 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