BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-01
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:
I want to make a false report about Experian credit report agency. They have reported on my credit report that my XXXX XXXX XXXXXXXX XXXX XXXX XXXX was closed and wrote off. This is incorrect and I will attach documents from XXXX that I have never been late. My account is still active and up to date. This dropped my credit score around XXXX points for nothing

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 2020-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2020 my bank ( Bank of America ) blocked my debit card because of suspicious activities during my trip in XXXX. When I checked my online banking account I noticed 2 transactions that were not mine ( XXXX $ and XXXX $ ). I filed a claim on XX/XX/2020 by phone with Bank of America. Right after that someone bought a plane ticket from my card with the total amount of XXXX $ ( XXXX ). 
On XX/XX/2020 Bank of America sent me email notification that my claim is closed and all transactions were made correctly. 

What should I do in this case? How I return my money?

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 2022-12-29
Company: JPMORGAN CHASE & CO.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
In response to the company ( JP Morgan Chase ), I am requesting the decision that was suppose to be sent to me. This complaint is in response to case number XXXX. I want to receive a copy of the decision notice that was suppose to be sent to me in XXXX. XXXX XXXX attempted to send me the notice by secure mail upon my request on XX/XX/XXXX. I would like that letter so that I can follow up with the XXXX XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: LD Holdings Group, LLC
State: MD
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:
On XX/XX/2022, XXXX XXXX did a hard credit pull on my credit unknowingly. I did not know that it would impact my credit negatively when I called her. I had never gotten a loan before and still to this day, never have. I did not provide consent for her to run my credit. I sent her an email about this on XX/XX/2022 after getting off of phone call with her a few days prior. She only said through phone call that it was a loan and therefore credit is ran. She declined to waive it or not report it on my credit report. I had heard about XXXX through a friend who recently bought a townhouse with his family member in the XXXX area. I even spoke to XXXX and tried to dispute this and they said that I should reach out to CFPB to file a complaint and they can use that to get this off of my credit report because I should have been told that XXXX XXXX would have to do a hard pull for this. 

I have a XXXX XXXX XXXX which I received scholarships for, so I have never had to even take out student loans either. I have never had to take out a car loan as well. Therefore, more information should have been given by XXXX to me in regards to any credit being pulled as I was not aware. 

It was not until I tried to apply for a XXXX XXXX credit card that I was declined for it, and I looked into my credit report after that to see what could have caused me to be declined, and I noticed the loan depot or ( XXXX XXXX ) on my credit report. I did not know anything about this until then. 

I was not for sure going to become a homeowner and did not know anything about home loans when all of this happened. This is definitely a learning experience for me and I will try to be very careful in the future if I do choose to become a homeowner someday. 

I sent XXXX XXXX about this through an email like I said, on XX/XX/XXXX of last year, but she did not respond. I did not use the loan whatsoever so I don't see the issue in just taking this inquiry off of my credit report. I am going to keep renting until I have a stable job and income. Right now, I am not even working as I am a XXXX XXXX XXXX trying to earn my XXXX XXXX in XXXX XXXX and also have an XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX, this account was removed from my Transunion Credit Report as well as my XXXX  Credit Report due to being established through identity theft. This account who should have blocked upon Transunion and XXXX receiving a copy of a Police Report listing this account as Fraud. Instead the previous collection agency sold the debt to XXXX XXXX XXXX XXXX  which is now reappearing on my Transunion and XXXX  Credit Report. Both Transunion and XXXX  are in violation under the Fair Credit Report section, 605 ( b ) by having this item reappearing on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Open Dealer Exchange, LLC
State: NY
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:
There is in excess of 10 inquiries on my credit report which I did not authorize all in the same time period. I tried to resolve it with a credit bureau XXXX and I was told within 24 hours that the inquiries were all valid and would stay on my report for 2 years. There are no loans or credit lines in any of these places that have inquiries. It is impossible that i authorized this and it seems to be illegal to tell me within 24 hours without proper investigation that they are valid. The false inquiries are as follows : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Bread Financial Holdings, Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I went to a local location of XXXX XXXX to get an estimate about a dental procedure that would cost several thousand dollars. They offered me the financing option to open a XXXX XXXX credit account. I did not want to select the financing option, but before I knew it, I received a letter informing me that an account with a credit limit of XXXX  had been opened with XXXX XXXX in my name. 

When I called XXXX XXXX and visited the location in person, their office XXXX, XXXX, said their computers were down. I checked back two or three times over the course of two weeks, and their systems had still yet to be repaired. 

I also called XXXX XXXX, and they said that they need to investigate. However, if I did not make the minimum payment, then I would be subject to late fees and interest payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-05
Company: SYNCHRONY FINANCIAL
State: CO
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:
Hello there, a person applied for credit cards using my information and I ended up getting XXXX inquiries yet I didnt apply for these. This person applied to XXXX different banks within a short period of time. I called all the banks already though this didnt help as much. XXXX told me this was my other solution.

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 2021-04-03
Company: CCS Financial Services, Inc.
State: MD
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:
Credit Collection Service is reporting derogatory remarks on my credit report when I've never done business with this company nor do I owe or have ever owed any balance or money to this company. The account appears on my credit report as a collection account from an original Lender ; XXXX. XXXX  is not a Lender and furthermore I do not owe XXXX any unpaid balances. I've had XXXX  as my insurance company for some time and would not be able to continue with their insurance service if I owed the company any unpaid balances. The information Credit Collection is reporting is incorrect and needs to be deleted.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: MOHELA
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: Investigation took more than 30 days

Complaint:
FedLoan servicing has and continues to report negatively on my credit. I have disputed this issue far too many times and FedLoan Servicing still refuses to address the issue and as well XXXX fails to remove it off the report even though the other two bureaus have. 

Additionally, FedLoan servicing has officially close their doors and XXXX is the new owner of FedLoan. I have been in contact with XXXX and they are not able to find the account and the Department of Education has still proven that the loans are 100 % discharged. If FedLoan is no longer and business and XXXX can not find the account, it must be removed off the credit report as the loan does not exist and on the basis, they have been discharged. 

This is a final notice for the removal of the accounts from the credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: CCS Financial Services, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I am a victim of credit fraud on XXXX accounts that I did not open. XXXX XXXX XXXX XXXX XXXX All-State  XXXX XXXX XXXX insurance was applied for in my name and I did not open these accounts. My information was leaked from my email address XXXX. I have sent multiple disputes for each of these accounts. Please delete these accounts from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Im still being charged XXXX $ every month from XXXX XXXX even though Im not a member of XXXX XXXX  anymore for more than 6 months now. I keep getting over draft fees because I do not want to keep money in my account because it will get taken every month for a membership I dont even have.!! XXXX XXXX in 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 monetary relief
Consumer complaint received 2022-02-02
Company: EQUIFAX, 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:
My name is XXXX XXXX, and I am writing in regards to having these items deleted from my report. I am a victim of identity theft and I did not make these charges also did not authorized these inquiry requests mentioned with the list. I have reported the theft of my identity to the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX Midland Funding LLC, is a third party debt collector, no contract with them I have. The alleged debt, for which under Pub.L. XXXX, XXXX XXXX, operates in bankruptcy as XXXX XXXX, so XXXX XXXX I owe them anything as they have no proof they XXXX have an original wet ink signature, XXXX served notice for suit and were the holder in due course for the Note. XXXX Notes are Promissory Notes, as written on the front of the Floating Rate Note, aka Federal Reserve XXXX, signed by both the United States Treasurer and the United States XXXX of the Treasury. One can only " pay '' a debt under 12 USC 411, Accord and Satisfaction, with real gold or silver coin, same goes with promissory notes, only dollars can be used to settle a debt, every other debt is XXXX, and pre-paid by 31 U.S. Code 3123 - Payment of obligations and interest on the public debt I was never served notice for any debt, nor sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2022-03-05
Company: Global Lending Services LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Regarding Global Lensing Services I purchased a vehicle from this company in XXXX of XXXX. The car was only around XXXX $ my payments are XXXX monthly. I am still being told I have a payoff of almost XXXX after having this car for almost 7 years. I did move about XXXX payments to the back during the course of the loan and offered to pay that in XXXX. I was told that I have paid mostly nothing but interest during this loan. I am a single mother of XXXX children and need a car to get to work however after being hospitalized for COVID I missed another payment and I am not in default and being told that my car is in repo status. Global lending is a ripoff and I do not advise anyone to use this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
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:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

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 2023-07-24
Company: Experian Information Solutions Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting 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 2023-02-22
Company: EQUIFAX, INC.
State: AZ
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:
RE : Notice of Intent to File a Lawsuit Dear Equifax, This letter serves as notice of my intent to file a lawsuit against you if I do not receive payment of {$10000.00} within 14 days to the above address for the multiple violations of my consumer rights and the immediate removal of the identity theft, inaccuracies and fraudulent information your are reporting on my consumer report. 

Here is a statement of my case that I intend to submit to the court : The Defendant has violated my consumer rights of 15 U.S. Code 1681c2 by steady reporting fraudulent information on my consumer report after being supplied with my FTC report almost two years ago. They are also violating 15 U.S. Code 1681 by reporting inaccurate information on my consumer report when I have stressed to them multiple times to remove the inaccuracies or to show proof that this information was verified, and to show proof that they have my written permission to report any information on my consumer report. This situation has been going on since XX/XX/XXXX. Not to mention I have multiple inquiries listed on my consumer report that was never authorized by me. Those inquiries are listed as : XXXX XXXXXXXX XXXX listed on XX/XX/XXXX, XXXX XXXX XXXX listed on XXXX XXXX, XXXX, XXXX XXXX, XXXX listed on XX/XX/XXXX, XXXX XXXX XXXX listed on XX/XX/XXXX XXXX XXXX  listed XXXX XX/XX/XXXX. Accounts that have not been authorized and legally verified are XXXX XXXX account number XXXXXXXX XXXX XXXXXXXX account number XXXXXXXX XXXX  account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX  account number XXXX, XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX account number XXXXXXXX XXXX XXXX account number XXXX, and XXXX XXXX XXXXXXXX account number XXXX. These are all considered identity theft and fraudulently reporting according to the law and need to be removed immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Here are the inaccuracies I have identified : Account Name : XXXX  XXXX ( Original Creditor : XXXX  XXXX  XXXX XXXX XXXX XXXX A ) Account Number : XXXX Reason : Incorrect dates listed Instruction : The date opened says XX/XX/XXXX and the last payment date is XX/XX/XXXX. This is incorrect. This account is being reaged and it it too old to be on my report if the last payment date is XX/XX/XXXX it must have been opened before that date and anything before XX/XX/XXXX is older than 7 years and needs to be removed from my report. Please correct this inaccuracy or remove the account per FCRA accuracy guidelines. 

Account Name : XXXX ( Original Creditor : XXXX XXXX  ) Account Number : XXXX Reason : Incorrect dates listed Instruction : XXXX is reporting an opening date of XX/XX/XXXX while XXXX is reporting an opening date of XX/XX/XXXX. Both of these can't be correct and as such that is inaccurate reporting. Please remove this erroneous account from my reports. 

Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Incorrect dates listed Instruction : The date opened says XX/XX/XXXX and the date last active says XX/XX/XXXX. This is incorrect. On XX/XX/XXXX I could not have opened any accounts because I was in prison. I have been incarcerated since XX/XX/XXXX. I was in prison on this date of opening. So this account being reportd is inaccurate. Please remove this from my report Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
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 status incorrect

Complaint:
XXXX XXXX XXXX is reporting a debt that I do not know. I do not owe XXXX XXXX XXXX XXXX anything. I have attached a receipt showing that this account is paid and I don't owe anything.

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 2017-12-06
Company: Duvera Billing Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I still see the following on my XXXX credit file : XXXX {$4200.00} Account : XXXX It was removed from my XXXX and XXXX file and needs to be removed from my XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: IN
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 response to consumer: Closed with explanation