BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2023-02-22
Company: Experian Information Solutions Inc.
State: IL
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 original cfpb complaints # 's : XXXX XXXX XXXX concerning inaccurate and incomplete items on my credit report. That was XX/XX/XXXX, I also sent a follow up letter XX/XX/XXXX asking for physical verification of the following accounts. 
Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
XXXX XXXX XXXX {$840.00} XXXX XXXXXXXX XXXX {$3300.00} XXXX XXXX XXXXXXXX XXXX XXXX {$3100.00} XXXX Bank XXXX {$1500.00} XXXX XXXX XXXX {$15000.00} XXXX XXXX Bank XXXX Inaccurate Late Payments It's been more than 30 days, attached is the original letter sent to the bureas.

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 2023-09-14
Company: BARCLAYS BANK DELAWARE
State: IL
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, BARCLAYS BANK DELAWARE has violated my rights. 
Under 15 USC 1681 Section 602, it states I have the right to privacy.

Under 15 USC 1681 Section 604a Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 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. 

BARCLAYS BANK DELAWARE reported my account late for XXXX and XX/XX/XXXX. They have not updated the status of my account since XX/XX/XXXX. The balance on this account has been paid since XX/XX/XXXX ; however the report claims I still owe money. Also they have raised my interest rate ( APR ) to the highest possible rate since.

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 2023-03-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I had a car loan with Wells Fargo that started in 2011 and had it for 5 years extra charges were added.

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 2023-03-23
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Was contacted by XXXX XXXX, Attorney in regards to the alleged debt via mail in XX/XX/. In this notice it was NOT specified to only contact by phone or by mail, the company-provided their email address in the header as well. It mentioned responding by XXXXXXXX  and i did so. I responded to XXXX XXXX via email on XX/XX/XXXX  to dispute the alleged debt, his association, its entirety in general. XXXX XXXX responded with having a lawsuit filed XX/XX/. XXXX XXXX was emailed on his business email server at XXXX. Since then one with access to this server has opened my correspondence regarding the alleged debt a total of 13 times the most recent being XX/XX/XXXX  at XXXX from a XXXX XXXX LA IP address in the city in which XXXX XXXX XXXX. XXXX XXXX and Credit Acceptance knowingly and neglectfully disregarded the dispute and continued to report negative markings on my credit report. No acknowledgment of email or correspondence of any kind was sent to validate their claim. No Contract. No Billing Statements. ( Past or Present ) No Response! Not even a notice refuting my dispute to be frivolous or irrelevant. XXXX XXXX office acted premature and malicious in filing the law suit. 
It was not until i received notices from 2 bankruptcy attorneys on today XX/XX/XXXX  i was able to confirm my personal information was listed to the public via court records in a lawsuit. A search on the Court records confirmed this lis pendis as well.

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 2018-05-16
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have three issues with Experian that I believe in direct violation of my consumer rights. First. XX/XX/XXXX I disputed and submitted a formal request to investigate a list of hard inquiries that I did not authorize. XX/XX/XXXX Experian received the formal request ( enclosure ). Experian did not reply or remove any inquiries. It has past 30 days after receipt of the formal request. Second, Experian is reporting a collection that the 7 year time limit has expired for XXXX XXXX. XXXX XXXX reviewed their files and admitted that the statute of limitations ( SOL ) had expired. Tennessee statute of limitations is 6 years. XXXX XXXX states that the account in question expired XX/XX/XXXX. XXXX XXXX informed me to contact Experian ( enclosure ). Experian have been informed formally several times. Experian has reported this account 2 years beyond SOL years. I have formally disputed this inaccuracy to Experian several times. Third, I recently have been informed that there is a bankruptcy that has been maintained under my social security number. Experian was sent a formal letter disputing the bankruptcy. Experian was asked to validate there information and provide me with copies of any documentation. I formally requested the method of verification. Experian last updated the disputed inaccurate bankruptcy in XXXX I inquired through the bankruptcy courts. I was informed that the courts do not report to credit bureaus ( enclosure ). A formal letter was sent to Experian XX/XX/XXXX and received XX/XX/XXXX. XX/XX/XXXX ( enclosure ). Experian sent a letter stating bankruptcy dispute will not be investigated. We have previously disputed the credit grantor has verified its accuracy. XXXX XXXX informed me a security freeze has been place on my files if any as of XX/XX/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 2023-09-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On or around XX/XX/23 I called Citizens Bank to add my Power of Attorney to my moms checking accounts. She is XXXX and unable to manage them herself. 

I live in XXXX XXXX and there is not a Citizens here. The person I spoke with told me I could mail a certified/notarized copy of the POA signed by principal guarantor with written instructions asking me to be added to Account Services. I could also have an agent bring these documents to a Citizens branch. 

I called a branch close to my mother and I spoke with XXXX ( the branch manager ) on or around XX/XX/23. I wanted to schedule my cousin to come in with the requested paperwork. XXXX said that he spoke with the legal department and they gave him a different answer. I needed to come into the branch myself with the original POA, drivers license and social security card with written instructions to add me. 

So XXXX instructions conflicted with the person I spoke to on the XXXX number. But I booked a flight for XXXX. 

On XX/XX/23 I went to XXXX branch ( XXXX XXXX XXXX ) and brought all requested paperwork. I waited 3 hours. The new branch manager ( XXXX ) told him that he was told by legal that my cousin ( previous POA ) needed to be present. 

This was the 3rd answer I received on how to add myself as POA to my moms account. My cousin was out of town and I brought a signed statement from her, but it was not enough. 

I asked XXXX if my cousin could come in on her own when she returned to town. After all, he had verified me and the paperwork. He agreed that sounded reasonable, so he said he would call me the next day. 

The next day ( XX/XX/23 ) XXXX called me to let me know that I needed to return in person with both my mom and cousin. This was the 4th answer I received on how to add me as POA on my moms accounts. 

Both my mom and cousin are having cognitive difficulties and nobody is currently managing her accounts. Citizens does not seem to have a clear and consistent policy on how to add someone as POA to the account. It seems to depend on the day.

I did everything they asked of me and flew across the country and still my moms finances are going unmanaged. 

I complained on XXXX to XXXX XXXXCitizensBank and someone responded saying they were opening up an internal complaint and would get back to me in 3 business days. That was 5 business days ago. 

I just want to ensure my moms bills get paid and her finances are properly managed and Citizens Bank does not seem to have any logical or consistent way to ensure that I am able to care for my elderly moms finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: CITIBANK, N.A.
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: Reporting company used your report improperly

Complaint:
On XX/XX/2023 and XX/XX/2023 I got a notification on my email saying that I had a three new inquiries added to my credit report which are : inquiry 1.XXXX XXXX XXXX ( XX/XX/2023 ) Inquiry 2.XXXX  XXXX XXXX  ( XX/XX/2023 ) Inquiry 3. XXXX ( XX/XX/2023 ) reported on my trans Union credit report only I then proceeded to call XXXX about this inquiry reported on my credit score but I was told they are not able to do nothing about that so I called the banks which the inquiries reported from and i didn't get the helped I needed. 

1.15 U.S.C 1681 section 602 A. States I have the right to privacy. 
2. 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

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 2023-06-28
Company: EQUIFAX, INC.
State: IL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXXXXXX Balance : {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
FIRST POINT COLLECTION RESOURCES INC. 
XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To : FIRST POINT COLLECTION RESOURCES INC. 

From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX, is authorized to administrate ( acting trustee ) on the XXXX XXXX together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the { XXXX XXXX }. Courts require your contract for jurisdiction. 
Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 
If you lack understanding of this paperwork, forward to your ATTORNEY. 
govern yourself accordingly. 
By : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
During the beginning of the epidemic, I spoke with someone at Wells Fargo Dealer Services about payments, I declined the deferred payment at first, then I accepted the offer for deferred payments and heard nothing after that. I was working in XXXX Tennessee, and the truck was repossessed. They didn't allow me to make up the payments I missed, instead they made me come up with XXXX to get the truck back. I had to use payroll to get the truck back. Wells Fargo now says that its a charge-off after I paid my money, and its not favorable on my credit report. I have repeatedly told them that this is a bad practice. I went to purchase a truck today and was denied because of 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 non-monetary relief
Consumer complaint received 2023-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital one ( XX/XX/XXXX ) - XXXX - {$4700.00}, will not remove closed account from credit report XXXX XXXX XXXX ( XXXX XXXX ) - XXXX {$1200.00}, will not remove collection off of report XXXX XXXX XXXX ( XX/XX/XXXX ). - XXXX {$1100.00}, will not remove collection off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my 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 non-monetary relief
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: IA
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 have tried multiple times getting situations straightened out with all bureaus. I have requested that the gets deleted immediately as account is inaccurate. Accounts # does not match stating derogatory and collection/ CO with XXXX and Equifax XXXX {$0.00} balance. There is no way account is derogatory if its in collection already. Theres no way payment status is 180 late if account is closed and {$0.00} balance. Payment history is missing data even though Date of last payment reports date. Date last payment does not match payment history. Equifax continues to change account #. XXXX Equifax reports perfect payment all the way to XX/XX/XXXX. XXXX reports late payments and stops XX/XX/XXXX and removed data from date last payment. With inaccurate date date last activity and date last reported and changed date opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: IL
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 no knowledge of these accounts on my credit report and i did not give consent this is identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
I have told these companies and letters that I have wrote them and have not received any response from them that I opting out if I have not received the response from them telling me that it has been confirmed and it's been over 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Boone & Associates Group LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received several calls on XXXX to my cell phone from a company called Boone and Associates claiming to be a debt collector for a debt that my husband allegedly owed. After talking to my husband, I realized that the debt was not actually due. However the company continued to call with claims that it would result in " further processing without ( his ) knowledge '' and they would garnish his wages if he did not make payment within two days of the call.

( 1 ) The debt was not his ( 2 ) It is illegal to garnish wages for the kind of debt they mentioned in the state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Bread Financial Holdings, Inc.
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 am composing this letter regarding the account number XXXX that your company is presently reporting to both XXXX and XXXX XXXX my name. The account carries a derogatory rating, which deeply concerns me. I am extremely worried about the impact this negative rating could have on my credit standing, particularly since I was recently denied a loan and my existing credit accounts have experienced an increase in interest rates. I want to emphasize that this unfavorable rating has caused significant financial distress for me, and I anticipate that it will continue to inflict both financial and emotional hardship until a resolution is reached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Wells Fargo bank I missed XXXX payment because of family member got XXXX. It cause my credit core XXXX to XXXX. I missed only XXXX payment. Wells Fargo bank XXXX XXXX. 
I bought XXXX with 3 years XXXX percent interest. 
My credit score went down from XXXX to 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 2020-11-04
Company: EQUIFAX, INC.
State: IL
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 am writing because some wrong account in credit report is not belong to me. Some personal info was stolen and used. I am requiring to remove this fraud items from credit report. 
Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company response to consumer: Closed with explanation