BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: LA
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: Other problem getting your report or credit score

Complaint:
Equifax has not provided an update to my credit score since XXXX of XXXX. When I attempt to access my credit file via their own website, there is an error code of XXXX and my credit file is saying XXXX. I have called the customer service number XXXX over XXXX times between XXXX XXXX. The answer I receive is the code XXXX  means that some information was incorrect and that the back office would have to resolve this issue. I have faxed over countless copies of my drivers license, passport and social security card verifiying my identity but undoubtly, the information is not being received. 

I reached out to the company on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX speaking to different representatives with no resolution. 

I reached out to the company again on XX/XX/XXXX after attempting to access my credit report via the myequifax.com website and after receiving the same error code. The representative ( XXXX ) verified that it was an error on my credit file which had been there since XX/XX/XXXX and he would have to send a ticket to the back office to resolve. I asked him how long this would take and he said not long usually XXXX days and that no further action on my end needs to be taken. 

I reached out on today XX/XX/XXXX and spoke to XXXX. Explaining to him what I have addressed before, the error code XXXX and me not being able to access my credit from their website and that my credit file is still saying XXXX, as if I have no credit file. Today is the day and now it is time to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
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: Their investigation did not fix an error on your report

Complaint:
Reached out multiple times explaining to XXXX XXXX I as the consumer never gave consent to reporting any information according to 15 usc 1681 b ( 2 ) and explained that In addition to 15 usc 1681 b ( 2 ), 15 usc 1602 ( p ) XXXX XXXX reporting without my consent is considered unauthorized use of my credit card, social security number

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 2023-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I AM REOPEN A COMPLAINTS THAT I HAVE ALREADY FILED WITH YOU AND I WASN'T ABLE TO RESPOND TO YOUR REQUEST FOR MORE INFORMATION BECAUSE I WAS IN THE HOSPITAL BECAUSE I HAD A XXXX XXXX XXXX DUE TO THE IDENTITY THEFT THAT THE COMPANY 'S In questioning what's in my complaint that I submitted back in XX/XX/2022 my identity was sold in all my money was the one all the banks that I mentioned in my complaint has not resolved this issue and the company that I paid to protect my identity and my bank accounts liked to me and told me that my bank account apps in my phone apps and everything that has to do with my business was safe and which it want to be open this complaint and get Justice and get all the money that was stolen for me I ended up having a XXXX XXXX and been put in a XXXX I have to have 3 XXXX  and I still haven't received any help or anything about my identity information stolen and it is at the point of this SERIOUS situation I have to change my Social Security number and I have been homeless since this SERIOUS incident happened to me and I have found out that Capital One Credit Card Department let hackers submit over 28 to 30 credit card applications and Capital One gave theses hackers 2 credit cards in my name and Social Security number and they have USED them and maxed them out and this situation has messed up my credit score and my whole entire credit report and I have repeatedly reached out to everyone in questioning and let them know that my identity information was stolen and being sold on the dark web sites and they ignored it and all three credit bureaus didn't notify me of all the fraudulent activities that were posted on my credit report because they were asking me to pay them XXXX dollars per month and I did until they had DATA BREACHES them selves and they didn't notify me about all the fraudulent activities or the banking companies that I used for my banking accounts and for my BUSINESS THAT I was trying to START up by saving my money and saving money for my daughter TRUST FUND and grandchildren TRUST funds accounts and emergency IRA accounts for EMERGENCY situations were all stolen and I REALLY need YOUR help PLEASE THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: French Financial, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have a small new personal loan from Guarantee Loan Service ( XXXX XXXX XXXX, XXXX XXXX, TX XXXX ) ph # XXXX XXXX of {$400.00} that was due for it's first monthly payment of {$60.00} on XX/XX/XXXX. This company calls and uses text messages excessively and harasses their customers. During XX/XX/XXXX - XX/XX/XXXX ( 3 days were weekend and holidays ) I was called on my personal business cell phone a period of 5 times with 2 of those calls answered by me confirming I would be making a payment. I was left 3 voicemails, and additionally I was texted 3 times ( which I replied to 2 of them separately from the phone calls ). The company made contact with me 4 times within 4 business days ).

I spoke to the Manager ( XXXX ) on ph # XXXX XXXX and made the minimum payment on XX/XX/XXXX when my account was 7 days past due. I informed XXXX not to call my cell phone any longer or text and instructed her company to cease and desist future calls to that number. XXXX said, she will not stop calling and demanded I pay the loan in full if I didn't like it. I informed XXXX that the cell phone they called is a personal business cell phone and that I do not want them calling there anymore because even when I answered and confirmed I would make the payment they still called and texted daily. I also informed XXXX that she could not simply demand payment in full and that I have a monthly contract and within the 10 day late fee grace period. I was asked to make a payment and provided my debit card info by phone. XXXX texted me harassing me again even after I paid my minimum payment due and wrote to me, " Then do not use a business phone for personal business Have a great day '' on XX/XX/XXXX @ XXXX CST. I had already paid my account current as of XXXX XXXX  CST and ended my business call with them. 

On the phone call XX/XX/XXXX @ XXXX XXXX  CST XXXX says they don't need to follow CFPB Regulations or acknowledge cease and desists. XXXX says they can call whoever and however many times they want and text. XXXX said that she is a collector and that's what she will do. 

This company knowingly harasses customers for payments by phone and text. Additionally, I did not receive a verbal confirmation of the amount of my payment made, date of payment, nor was I provided with a confirmation number for my debit payment by phone with XXXX. I do not believe they take payments over the phone in a manner that protects consumers or their information as required by regulatory guidelines. 

I would like this complaint logged and investigated. 
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 2023-11-19
Company: Experian Information Solutions Inc.
State: GA
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:
Experian failed to properly investigate account XXXX account # XXXX. Ive dispute this account multiple times. The account is showing late payments with collections. The account has been paid in full. The open date is inaccurate, the close date is inaccurate, the payment history is inaccurate. Showing delinquency after closed account.

Company response to consumer: In progress
Consumer complaint received 2023-08-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
These events occurred between XXXX XXXX XX/XX/XXXX. In desperate need of an apartment for college, I fell into a scammer who posted his place on XXXX He reached out to me via email on XX/XX/XXXX and then we later transitioned to talking through messages. Everything went well until I visited his place on XX/XX/XXXX to find out that it was occupied by other tenants. I sent a total of {$1300.00} to the people who were apparently working for him. {$200.00} plus an additional {$300.00} went to this XXXX user who is now unenrolled from the app, XXXX on XX/XX/XXXX as the scammer promised to send out the keys so my mom and I can view it but later cancelled it and further having {$800.00} sent to this user with the number, XXXX on XX/XX/XXXX because he said that {$1300.00} is what would be needed to guarantee arrival for the keys. The scammer who I was initially talking to posed himself as XXXX XXXX and even provided a picture of his ID. I have issued a claim to my bank, Wells Fargo, on XX/XX/XXXX but was denied due to it being an authorized transaction. If I had known this was the result, I would not have fallen for it.

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 2021-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 30 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Paramount GR Holdings, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received a letter from another citizen of the XXXX XXXX area notifying me that I had a lien on my property as a result of a fictitious loan on solar panels in coordination with a contractor, and XXXX XXXX. Upon further investigation with the clerk of courts office, there is a lien dated XX/XX/2023 at XXXX, by the secretary of state XXXX  findings, and on XX/XX/2023 XXXX XXXX PM, filed by XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX with their person XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX listed as a secure party... and the XXXX  was also electronically signed by this same person. 
I currently do not have any solar panels to this property, nor have I ever into any agreements with any solar panel companies, nor signed off on any loan documents.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
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:
I have sent documents to prove that I either paid the debts off and sent them letters that the collection agency would have the accounts removed form my credit files in 30 days but they have not updated my file. 
I am attaching letters and bank statement showing that I have done everything to improve my credit by paying off collections accounts and paying off my charge off. 
However the credit agency is reporting the debt was filed in chapter XXXX and that's not the case. 
I have paid off all theses companies XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX and they reporting the wrong pay off amount! Please see letter and my bank statement with what they debit my account for. 

Plus I have dispute a number of hard inquires that I never authorized but no follow up on any of them wish I did before the Cov19. 

Thanks, 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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-10
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There are accounts opened up under my middle name I seen for XXXX which I asked them about. When I opened my account XXXX as XXXX. I received funds to my account and {$2600.00} was took out my account and also they closed off my account which I had no access too. I also sent everything in but instead they just shut me out even going to the branch. After a few weeks went by they closed my account without returning my money to the account. I was sent a mediation form by them and filed it out and never got 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 2021-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have sent documents to prove that I either paid the debts off and sent them letters that the collection agency would have the accounts removed form my credit files in 30 days but they have not updated my file. 
I am attaching letters and bank statement showing that I have done everything to improve my credit by paying off collections accounts and paying off my charge off. 
However the credit agency is reporting the debt was filed in chapter XXXX and that's not the case. 
I have paid off all theses companies XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX and they reporting the wrong pay off amount! Please see letter and my bank statement with what they debit my account for. 

Plus I have dispute a number of hard inquires that I never authorized but no follow up on any of them wish I did before the Cov19. 

Thanks, 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 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Dear whom this letter may contain, There is information on my consumer report that is a result of identity theft. I did not provide written instructions or permission for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be updated to " paid as agreed ''. My request is not being made in error, nor is my request being made on the basis of a material misrepresentation of fact by me relevant to the request to update the identified transactions. The identified transactions are not information related to any transaction by me as the consumer.

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 2023-08-10
Company: DISCOVER BANK
State: VA
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:
Discover card sent me a emails saying they were monitoring my credit, oh I thought that was great no the case it was a bait and switch, I went to discover card web site discover card check to see if Im prequalified for a secured credit card, and I was approved, I quickly exited from discover card website. Then received letter in the mail demanding the I send my federal taxes records to discover card and if I didnt discover card would contact the internal Revenue Service XXXX discover card sent me a credit card in the mail which I dispose of a new trashcan, I never wanted or requested a card from discover card.called 3 times discover card said if you dont send your federal taxes records in they would contact the IRS and place on my credit report which discover card did I want it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 out my dispute letter on XX/XX/XXXX which arrived later due to the mail on XX/XX/XXXX which Transunion signed for. In regards to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that are negatively impacting my credit report. Transunion has failed to respond within the 30 days allowed or send me any updates about my dispute. I sent them over evidence for both accounts showing that XXXX  XXXX  isn't my account and I have no knowledge of it, which was removed from XXXX. I also sent them evidence for my auto loan which they have listed as 2 late payments and repossessed. And the same for XXXX that it is being reported inaccurately. The account is incorrect in their records and I have shown them my report from XXXX  that clearly shows I am current and no remarks are present. I AM HIGHLY UPSET AND DISAPPOINTED THAT IT HAS COME TO THIS POINT! I've tried reaching out to XXXX myself to validate the debt and they haven't sent me any evidence proofing that I owe this debt, and Transition hasn't provided any documentation. I can't qualify for a home loan until I GET THIS RESOLVED

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 2021-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

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 2023-11-19
Company: Experian Information Solutions Inc.
State: NC
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:
The following accounts are violating my consumer rights. Pursuant to 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. The following accounts are opened ended credit plans and shall be updated the to show as 100 % paid on time 1. XXXX XXXX  Account XXXX : XXXX 2. XXXX XXXX  Account XXXX : XXXX 3. XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: In progress