BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-11
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Please note this is a new dispute and not a duplicate dispute and should be treated as such. 
Credit bureau in question : Experian - Account Number Unknown / Date Assigned XX/XX/2022 / Balance Owed {$250.00} Company posting false information : XXXX XXXX XXXX. 

This collection has been recognized as fraudulent and removed by XXXX and XXXX. We're working to remove the XXXX collections from Experian as well. We'd greatly appreciate your assistance in removing this false collection account from my Experian credit report as your claim has no basis. We've made several attempts to collect valid proof of this collection account but havent been provided with anything. After speaking with XXXX XXXX XXXX, they will only share the proof of debit if I give them a credit card. This has been noted as extortion and we are still awaiting proof of debit from XXXX XXXX and or XXXX. Documents sent to me by XXXX did not validate or prove the debt was mine and were barely legible. Please send proof of this collection account as it is not legitimate. If you can not provide clear, concise, legible proof that this collection account is mine, or remove it from my Experian credit report, I will be forced to take legal action. 
Once again, I am notifying you that these items are not reported correctly for the reasons listed below, and I am asking you to reinvestigate them : 1. The account reported above are not my debit, and I have no knowledge of it. 
2. The address listed on the account is a XXXX store in XXXX XXXX, which is not a legal home address. This inaccuracy once again proves XXXX, XXXX illegal reporting practices. 
3. We have not received enough clear, concise, legible proof that this debt is mine and not fraudulent. 
According to the Fair Credit Reporting Act, Section 607, Experian must ensure maximum accuracy of the information contained in my credit report. Without clear, concise, and legible proof that this debt is mine, Experian has failed to comply with the Fair Credit Reporting Act, Section 607.

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 2023-02-18
Company: WLCC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
On or about XX/XX/2023 I applied for a payday loan with Explore Credit. This loan was to be used to cover bills for the next two weeks. Immediately after applying, I was approved for the loan ( image 1 attached ), I signed the agreement, and Explore Credit stated the money ( {$600.00} ) would be available in my account within two to three business days. I was able to log into my account, and even view the balance, and also the payment dates and amounts for the loan. Upon receiving an email this morning however, I was shocked to see that after I had been approved, signed the agreement, and been able to access my account, I was all of a sudden denied due to these reasons : -Unable to verify identity -Unable to verify bank account -Unable to verify employment -Insufficient income for credit amount requested They also included what appears to be a statement out of the equal credit opportunity act which states various reasons as to why they can not deny me. It boggles me however, that even after I was approved and signed the agreement I was still denied, when one signs an agreement with another they are under the impression that both have agreed to the stated terms in the agreement, in this case, to provide me with a {$600.00} loan. The point of a credit application, and also submitting documents before hand is to make sure you are approved for the loan, which I clearly was, they were clearly able to verify all of the above noted items in question if I was able to log into my account, see the amount that is loaned to me along with the installments, and to top it off the fact that they approved me for the loan. I have submitted exhibits below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
on XX/XX/2022 a {$6000.00} fraudluent ACH debit charge hit my business checking account ending in XXXX by an unknown scammer/hacker and i waited until the charge " posted '' on XX/XX/2022 to dispute this as per bank of americas direction XXXX i also filled out an ACH fraud dispute form and emailed it on XX/XX/2022 as per bank of america 's further instruction. it is now XX/XX/2022 and bank of america is not providing me even a temporary credit for the amount that was stolen out of my business account. this is a lot of money for my XXXX XXXX XXXX  business and it causing much discomfort for my business operation. 

i am seeking assistance as everytime i call bank of america fraud department and provide them the claim XXXX XXXXXXXX they place me on hold for a minimum of 1 hour. i really need my business 's money returned. the charge is 100 % fraudlent and i did not approve of this nor do i know whom this scammer is that used my information to defraud my business.

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 2023-10-09
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I was dold a car that was not proper working conditions and after only 2 wks of having the car I was told there was engine problems and the problems went on from there now I've learned that the company has closed the business and is being sued for illegal practices on many levels but I'm lost to who my property contract is with they've passed the payment part to another company leaving no contact person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
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: Credit inquiries on your report that you don't recognize

Complaint:
I've tried disputing inquires I see reporting on my credit report that I did not authorize but have not heard back from the credit bureaus so I'm issuing a compliant on my behalf.

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 2022-06-13
Company: U.S. BANCORP
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 received a " right to cure default letter '' on XXXX XXXX letter stated in part " if you pay {$110.00} by XX/XX/XXXX, you may continue with the Cardmember Agreement AS THOUGH YOU WERE NOT LATE. I paid {$300.00} on XX/XX/XXXX which is only 2 days after the notice and 19 days prior to the deadline. The Cardmemeber Agreement states in part " The first time your payment is late, a late payment fee of up {$30.00} WILL BE ASSESSED. If another payment is late during the next 6 billing cycles, a late payment fee up to {$41.00} WILL BE ASSESSED. '' So per the " RIGHT TO CURE DEFAULT '' which incorporates the " Cardmember Agreement '' by reference then there should be no late fee, nor any action resulting from the late payment. The reporting requirements are also included in the agreements that I signed which discuss the procedure for reporting late payments. I will save that portion for the court because the bank has these documents and they know exactly what they contain. These are the words of US BANK themselves. They have now been put on notice via these previous complaints. All correspondence from the bank will be used in small claims court or federal court. If the bank chooses to change venues then requested relief and damages will be increased to the maximum possible penalty to account for time, and other factors. You can use diversion and deflection tactics but a contract is a contract. I'm an ordinary man but I'm determined and I've successfully fought cases in state and federal court. I am really not the person who will go away. I am also mailing a goodwill letter with an alternative demand letter in case the goodwill letter is not honored. I have included medical documents showing that I was injured on the job and unable to work from XX/XX/XXXX through XX/XX/XXXX. XXXX compensation insurance did not pay me for 3 months. And it was a partial payment. My life was literally in shambles and US Bank is exerting all of their might to either ignore my grievance or refuse relief. If a man is drowning then you have to excuse him for not remembering to call in to tell his boss that he won't make it to work. I am divulging all of this information because I am merely preserving the record. It boggles my mind how a company can be so persistent to deny people their rights. Even when those rights were extended directly by the company themselves. I will sue, and I will win. This all so unnecessary as the remedy I am asking for is completely reasonable. Any alternative interpretation of the law will be decided by a judge.

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 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the XXXX XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my XXXX to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$3500.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$220.00}

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 non-monetary relief
Consumer complaint received 2022-06-13
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a Conns credit card through synchrony bank. I have NEVER missed a payment or paid late. They took my credit line from {$1000.00} to {$200.00} when I called to inquire as to why I was told due to recent inquiries on my credit report. I explained that I was in the process of purchasing another vehicle for my logistics company that has expanded. So I am basically being penalized for expanding my business. Their action reflected negatively on my credit report and caused me to loose points. I was also told I paid my bill in full before the statement date is another reason they dropped my limit and to show this is a pattern with them synchrony put a hold on my Sams Club card for paying it in full before the statement 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 explanation
Consumer complaint received 2019-07-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Checked my credit report and I have two collections accts that have driven my credit score down dramatically after I have worked hard to pay off old accts. I have a common name and this problem has happened before but these two creditors aren't willing to help rectify the situation. 

I am a XXXX who works on the road and I know I hadn't opened or defaulted on any accts so I hadn't checked my credit score in a few month but low and be hold when I did I had a pleasant surprise. Two of someone else 's delinquent accts.

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 2023-10-28
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2023 i contacted Equifax about an error message that pops up on the screen when i try to login to access my credit report. The message said : Please give us a call and give this code to the XXXX : BLNK Your Equifax credit report and score are not available at this time due to a technical error. Please call XXXX XXXX at XXXX ( XXXX ). 
Our call center hours are : XXXX AM to XXXX PM ( ET ), Monday through Friday, and XXXX AM to XXXX PM ( ET ) Saturday and Sunday. 

I did as directed and was told by multiple agents that it was just an technical error and it would be fixed right away. I am still not able to see my credit score or report. The report is displaying as blank. I really don't think this is fair that the wont help me fix the problem. It is very frustrating calling Equifax every XXXX minutes to try to get an agent on the phone to help me. Just to be met with the automatic system again. Please fix this error for me. I hope that the agents at Equifax learn to treat consumers credit with more concern and treat them fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$3500.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : XXXX XXXX XXXX XXXX XXXX Account name : 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 non-monetary relief
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
On XX/XX/2019, I was contacted by a sales rep from XXXX XXXX XXXX. XXXX XXXX sold me advertising space on an upcoming brochure. I was told by XXXX that I would pay {$490.00} on my credit card and I would sign a docusign contract for the ad. I would also receive an email the next day from the art department of XXXX XXXX XXXX, requesting my artwork. That evening I discovered the sales rep had not been truthful about who referred her to me. I was no longer comfortable about this transaction. On XX/XX/19, I called Choice Media, no answer, so I left 2 voice mails explaining I wanted to cancel the ad. Later in the day, on XX/XX/19, I received an email from XXXX XXXX Art department requesting artwork. I responded saying I wish to cancel the ad. There was no other response from XXXX XXXX. A week later I saw the charge of {$490.00} on my Capital One Mastercard statement. I used the Capital One phone app to dispute the charge.

XX/XX/19 Cap.One responds that they found in favor of merchant. see attached. 
XX/XX/19 I finally reached XXXX XXXX. They were hostile. They acknowledge receipt of my desire to cancel, but informed me I could only resolve my dispute through Capital One. I responded to CapOne with more documents and explanation. See attached XX/XX/19 I responded again with the documents for the 2nd time. 
XX/XX/19 XXXX at CapOne said my dispute denied for originally submitting an incorrect reason for dispute. This is the first time I am hearing this. She said she will resubmit under correct reason and problem will be resolved XX/XX/19 Received letter from CapOne about dispute. I called CapOne and spoke to XXXX. She went through the story about the original reason being incorrectly submitted and claimed it would again be resolved. This is now the second time I am being told the original reason for dispute was incorrect. I am confused over this comment because the CapOne app was the method I used to submit my dispute and I am not sure what reason was selected at that time. 
XX/XX/19 Speak to XXXX, then manager XXXX at CapOne. I am now being told that my dispute was declined because I signed a non refundable contract. This is a new reason being provided by CapOne and does not support their 2 prior explanations for denial. I am now 3 months into this dispute. The merchant does not return emails or phone calls. XXXX XXXX told CapOne no refund once ad had run. They never created an ad or received any artwork to produce an ad. CapOne has paid the merchant and has charged me {$490.00}. XXXX XXXX XXXX is in XXXX, WA and I have no way of taking them to small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Experian Information Solutions Inc.
State: NY
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2021-12-27
Company: Experian Information Solutions Inc.
State: PA
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  XXXX  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 2018-04-27
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent a certified debt validation letter to common wealth financial company asking them to verify the debt they claimed I owe. They in return sent me a letter back stating to dispute the validity of the debt. I in fact had already done that and they didn't send me proof that the debt in question actually belonged to me.

Company response to consumer: Closed with explanation