BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-13
Company: Experian Information Solutions Inc.
State: AZ
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information 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 2022-05-21
Company: Netspend Corporation
State: IN
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:
OMG... I have been with NETSPEND for XXXX yrs. 1st off that's why I haven't Changed banks. Well Our home was being foreclosed on, My Husband XXXX XXXX XXXX XXXX Received a letter on a federal housing authoritXXXX Heading ( HUD ) to be exact. In our desperation to save our home we hired the " Federal Housing Attourney " that they said they were. Well Gave them XXXX $ in XXXX XXXX XXXX $ in XXXX we had court date XXXX called to ask if our Attorney would be there ( premier legal services ) & was told they aren't Attourney s. So I fired them & told NetSpend they are fraudulent & misrepresenting themselves... Also said Do Not let them take anymore $ well XX/XX/22 they took another XXXX $!? I DISPUTED all charges and got my 1st response Not FRAUD? HOW?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: EQUIFAX, INC.
State: OH
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 been requesting validation of this account XXXX XXXX account # XXXX and METHOD OF VALIDATION since XX/XX/2019. I have yet to get an response about this account. However, it keeps reporting to my credit profile and damaging my credit score. 

I'm exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which states I my request " a description of the procedure used to determine the accuracy and completeness of the information shall be provide to the customer by the agency '' Please provide METHOD OF VALIDATION and not investigation through XXXX  system or remove this off my credit profile as it has already been over the 30 day window as well. 

I will report this to the Attorney General with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Great American Finance Co
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:
Great American Finance is still reporting old credit information and it is affecting my ability to obtain employment. I have tried to resolve through the credit reports but it comes back as " reporting correctly ''. I have written the company but they still ignore my request to remove it. Now it's been 7 years and it's still reporting. other than this " late '' my credit report is immaculate even during the pandemic. GAF also show inaccurate information on all 3 credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I had a XXXX  XXXX XXXX XXXX credit card with rewards. My reward total was XXXX points when XXXX credit card took over the XXXX cards from XXXX  XXXX XXXX in XX/XX/2022. In the information about the new card, member rewards were to transfer to XXXX. The points are worth {$2400.00} in cash. I have attached the last statement from XXXX XXXX XXXX, and the first statement from XXXX. My reward points were missing from XXXX. I called customer service 3 times. The first time I was told my name would be added to a list of people whose points were missing, and I would be contacted since it was a problem they were working on. I asked to speak with a XXXX, and the representative on the phone refused to connect me with a XXXX. I have not been contacted. On my additional phone calls, both times I was told I only had {$9.00} in reward points. The XXXX reward points vanished along with my {$2400.00}. The last 2 customer service agents I spoke with had no interest in discussing the problem, was told I only had {$9.00} in rewards. Nice theft of reward points equaling {$2400.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-21
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: Personal information incorrect

Complaint:
wrong date of birth, and wrong addresses, and also wrong phone number, and all bureas are saying my consumer report is accurate and verified which is wrong correct information on all three reports XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA. XXXX work : XXXX XXXX XXXX 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 2023-06-22
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
ON XX/XX/2023 I'm receiving an error at XXXX when trying to get my credit report online. This has been on ongoing issue. Congress has established the consumers should be able to get a free annual credit report ( and through 2023 actually more frequently than annually ) and not have to jump through hoops requesting it via snail mail ( i.e., USPS ).

I am looking for resolution to get the report via the website, and not via USPS. 

Below is the error message I receive : ************************************************************************************************** experian. 

We're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 

Annual Credit Report Request XXXX XXXX XXXX XXXX XXXX, GA 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 non-monetary relief
Consumer complaint received 2022-02-09
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Ive sent in a letter to Experian with my state Id bank statement, and proof of address to update my personal information and Experian refused to remove address Ive never lived, or update my personal 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 non-monetary relief
Consumer complaint received 2018-11-08
Company: Kauntey Mediation Services LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a call yesterday that went to voice mail. The message stated it was regarding a court case. No mention of who they are. I called the number back and the phone rang, yet no one has ever answered. I've tried several times today to call and still no one answers the call. 
This is what enrages me, my NEIGHBOR rec 'd the same call and had a message of their answering machine for me about the same court case that I got a message about. They are an elderly couple and were worried about me. And today, my boyfriend rec 'd a call from them too about me and the court case. He tried to answer the call but no one was on the other end of the call and the call automatically hung up. 
He and I nor my neighbors have EVER ventured into any financial arrangement ( s ). How are these people getting their numbers? 
their phone number is XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-05-13
Company: Experian Information Solutions Inc.
State: TN
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating The Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) The credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) The credit bureaus don't have no written permission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681 s-2 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. 
( B ) Reporting Information after notice & confirmation of errors. 
A person shall not furnish information relating to a consumer to any consumer reporting agency if notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
The credit bureaus have no respect for the laws & someone need to hold them accountable for this.

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 2022-05-21
Company: BARCLAYS BANK DELAWARE
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A LUXURY CARD Master Card was mailed to my home unsolicited by me.

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 2018-11-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
On XX/XX/2018 I went on XXXX which is Experian to get a free credit report. The service was {$1.00} for 7days free after that if you havent cancelled it would be {$29.00}. Ive been calling since XX/XX/2018 to cancel the service. Ive tried 5 different numbers and you cant speak to a live person to cancel membership. Ive emailed them 6 times and still havent received a response. I called XXXX XXXX to see if they had any suggestions on how to get this matter resolved and they stated I was the 3rd person to call in about the same issue. These are the numbers I have called and email address that Ive used also. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank 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 2021-06-04
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XXXX of XXXX, I contacted Discover Bank to inform them I would be unable to make a payment because I was forced to leave my home during the Texas Snowstorm. Also at this time, I gave Discover my new banking information, as I was using XXXX XXXX, and they had seperated from XXXX and gone to their own operating system. I informed the collections agent that I would be paying during the month of XXXX when I was able to do so, as I had missed a week of work and was not going to be payed by my job during the week of the storm. In XX/XX/XXXX a payment was made using the XXXX XXXX  account in the amount of XXXX dollars, which was processed correctly. In XX/XX/XXXX, I contacted Discover to ask an unrelated question. I was encouraged to sign up for XXXX XXXX  and was told not to worry and all my payments would be processed automatlically. I expressed my concern to the agent that any post dated check payments would not be processed, as XXXX does not issue checks and does not except check debits from outside sources. I accepted the agents offer based on her assurances everything would be processed correctly, and made a payment in the amount of XXXX using a post dated check system, rather than an ACH. My payment of XXXX payment was returned a week later, and I called to make a replacement payment using the same banking information. The agent assured me this payment would be processed using the ACH method, and was processed correctly on XX/XX/XXXX. On XX/XX/XXXX, I contacted Discover to make a XXXX dollar payment to my account, and explained the necessity to process the payment as an ACH and not a post dated check. She stated she was processing my check as an ACH. On XX/XX/XXXX, my payment returned. I was told this payment was processed as a post dated check, even though I had asked Discover not to. On XX/XX/XXXX, I attempted to process another XXXX payment. I was told this was returned on XX/XX/XXXX. It is unclear why this payment was returned, and was advised by Discover that I should contact my bank. My bank is unaware of any payments made and stated that they could track a payment using a trace ID number. Discover is unwilling to give me the Trace ID number and has stated that any payments returned will be reported to my credit, and is unwilling to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX You are in Direct Violation of the Fair Credit Reporting Act ( XXXX XXXX  XXXX  ) has violated several of my rights. 

15 U.S.C 1681 Section 602A Clearly states I have the right to privacy.

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

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 payments 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 2023-04-03
Company: KEYCORP
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, My wife and I made formal loan application with KeyBank via their loan application web portal for a new HELOC against our primary residence back on XX/XX/XXXX. We believe our borrowing profile was/is really strong ; both having 780+ mid credit scores, low CLTV, low DTI, steady income, and lots of reserves. 

Two weeks went by and a letter from KeyBank arrives requesting further documentation. By the following business day, I had all requested documentation fully submitted as directed via secure e-mail and a confirmation of receipt. Then another week goes by and one of their Loan Reps reaches out saying that they see my submission but some of the documentation did not come through ( not sure how that can be ), and asked for me to resubmit directly to him. I did as requested within 24hrs of receipt. 

After the above... nothing. No reply, no response, no credit decision of any type. I reached out one last time on XX/XX/XXXX requesting status via their webportal and direct with the Loan Rep, still nothing back. A blaintant violation of RESPA. Here we are almost 1yr later from our formal loan application and still NOTHING! 

It is silly to me that banks will get bailed out for their own mismanagment, but yet can not be held accountable for not abiding by the law. It makes us little guys wonder what's the point of having " laws ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
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: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
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:
XXXX XXXX XXXX has failed to report to the credit reporting agency the true and accurate information on my report it is against the law to report fraudulent information attached is a letter from XXXX XXXX XXXX saying that they account is paid in full and that they are refusing to send me my XXXX oid XXXX and XXXX tax documents, even though they said in the letter that they only send those documents to people who owed them debt. Also they failed to provide the XXXX of my XXXX XXXX account so i only think that they have something to hide. I demand the ledger of the account along with the XXXX i request. So can i get treated equally with full faith and credit.

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 2021-02-11
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I owe nothing to Wellsfargo as I sent them payment to cover my complete balance and in turn they froze my account and after reaching their offices on the second occasion today XX/XX/11 a representative said I needed to speak to key services and it will take 10 business days to get someone from that department, when I had already called on the XXXX. When I expressed my dissatisfaction of how I cant even use my credit card and maybe the news can help me to expose their unbelievable practices she even responded I was overreacting seriously! I feel that they are profiling me as to how I can pay my card off! Just like that. Discrimination is the word. Well this to me is unheard of and instead of treating me like a great customer Im getting treated like a criminal unworthy of credit after my payment. I paid off the account because Id rather pay with a credit card for security purposes and insurance. 

I think I shouldve gotten someone immediately to handle my situation and not be put through this aggravation.

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 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX, XXXX XXXX : # XXXX, XXXX XXXX # XXXX XXXX : # XXXX XXXX XXXX  : # XXXX XXXX XXXXXXXX : # XXXX XXXX XXXXXXXX : # 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 : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681n - Civil liability for willful noncompliance. 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

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