BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-07
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX of 2022 somebody applied for a forever 21 credit card and spent over {$800.00} on mobile order. The person also attempted to open a credit card with Victoria 's secret and XXXX. I contacted Comenity Capital Bank in regards to the fraudulent charge. They have denied application for XXXX in Victoria 's secret and will start an investigation for the forever 21 credit card charges. The company informed the investigation usually takes 90 days and the decision is mailed out. 
The last time I have used my SSN was with XXXX company who does financing for solar panels. I believe the problem might have originated when I submitted my application through XXXX. 
I have froze my account with XXXX XXXX and XXXX. I will also contact the bureaus for identity theft and contact the social security XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act these companies are violating my rights : XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX - XXXX, XXXX XXXXXXXX - XXXX, XXXX XXXX XXXX XXXX, and the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-09-07
Company: Experian Information Solutions Inc.
State: OH
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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 2022-06-20
Company: Experian Information Solutions Inc.
State: AL
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1.Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation US DEPT ED Account Number : XXXX As a consumer by law, this account must be deleted immediately. This Account is inaccurate and seeking litigation please delete it immediately. 
2. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately. This Account is inaccurate and seeking litigation please delete it immediately. 

3. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately. This Account is inaccurate and seeking litigation please delete it immediately. 

4. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately. This Account is inaccurate and seeking litigation please delete it immediately. 

5.Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately. This Account is inaccurate and seeking litigation please delete it immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: Freeway Funding, 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:
Due to being behind on payments, I had my vehicle repossessed by the loan issuer, Freeway Funding Inc in XX/XX/2022 for my account XXXX. The amount total amount due at that time in XX/XX/2022, when the car was repossessed, if I wanted to get the vehicle back including the fees for storage, tow, and loan due balance was {$5900.00}. I wasn't able to get the vehicle back. The issue is that Freeway Funding Inc is unjustly updating and reporting delinquent payments to the credit bureaus on a car loan account they reported as closed, as repossessed, and has been repossessed for nearly one year. Each month they are erroneously updating the balance on this closed and repossessed account. I have written to Freeway Funding Inc several times to resolve the issue to no avail. They ( Freeway Funding Inc ) continue to report due balance updates on nearly one year old closed and repossessed account for a car I have not had for nearly a year since they ( Freeway Funding Inc ) repossessed it. At the same time they held an auctioned for the vehicle with XXXX XXXX XXXX in XX/XX/2022. I am not required to pay a balance on a nearly one year old closed and repossessed car loan for a car that I don't have.

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 2023-12-30
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I obtain my free annual reports every year through the annualcreditreport.com. I have never been able to get my report from Experian and instead get an error every year. When I tried to log into their website to request it there, I got an error accessing the site after logging in and have been unsuccessful in requesting more information from them. I have not had this experience with XXXX or XXXX and have logged into their accounts fine to dispute small changes in the past without any errors. 

Experian says that you have to mail them your social security number with all of your personal information, which I am not comfortable doing. Not to mention it isn't free if you have to buy stamps to communicate with them to get it every year. 

I would like to report them because upon searching reddit and other sites online I see that many people are having this issue and that it seems they are purposely doing this to avoid giving an actual free 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 2019-11-25
Company: EQUIFAX, INC.
State: SC
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:
XX/XX/XXXX, XXXX XXXX XXXX. 

I have called and wrote this company in reference to the above inquiry in which I did not submit for them to verify the inquiry, but nothing has been done in reference to reporting accurate information to the credit bureau. I am a victim of identity theft and I am requesting that this inquiry be deleted as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: PatientFi, LLC
State: NC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I had previous filed a complaint to the CFPB on XX/XX/2023 against PatientFi the complaint # XXXX in regard to making payment of a loan that all the service was not rendered from XXXX XXXX XXXX XXXX XXXX XXXX. The chief compliance officer, XXXX XXXX XXXX had responded on XX/XX/2023 to my complaint and had apologized for any connection with their services. He had stated that he had contacted XXXX XXXX XXXX XXXX XXXX XXXX after an investigation for my concerns. The provider, XXXX XXXX XXXX XXXX XXXX XXXX, stated to PatientFi that some of the services was received but not all and would be contacting me directly to determine the amount of services that I received and will notify PatientFi so that my loan amount can be adjusted. Well as of this day, XX/XX/2023, I have not received any communication from XXXX XXXX XXXX XXXX XXXX XXXX about a resolution to my concerns. I did reach out to two customer service representatives XXXX and XXXX about my concerns and the response from the Compliance Officer. They just told me that I needed to reach out to the provider, XXXX XXXX XXXX XXXX XXXX XXXX and get the refund for the unused service. I asked could I get a contact number for the office of the Compliance Officer, and they stated that they did not have it, which was puzzling to me. It seems as though my concern is going on deaf ears and I don't think as a consumer that I'm being treated fairly and PatientFi is using unjust and unfair business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX has violated my rights. 

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

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

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 2021-08-16
Company: EQUIFAX, INC.
State: OR
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:
To Whom This May Concern, I contacted XXXX, XXXX, and Equifax months ago as well as again on XX/XX/XXXX. In my complaint, I explicitly listed under the Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the PHYSICAL verification of the original signed consumer contract with MY signature of the accounts listed below. 

The accounts listed were : 1. ) XXXX XXXX Credit Card 2. ) XXXX XXXX Credit Card The response I received back was, " We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow up with you within sixty 60 days from the date you submitted your request. '' This is unlawful as dictated by the Fair Credit Reporting act. CRA 's only have 30 days to validate and are required to remove the information listed on the report unless it has been lawfully validated. Through the PHYSICAL verification of the original signed consumer contract with MY signature of the account. 

So far, no signature has been produced, and my attorney is now pushing me to seek penal damages since my very first request was completely ignored. I'm livid that you would treat me as a consumer unfairly. I'm livid that you willfully violate the law every day when you " verify '' information. Despite the numerous whistle-blowers that have come forward to discuss how you " verify '' information, you continue your practice of unlawful verification. As my attorney has advised, there is no reason to open a dispute for debt validation. You are supposed to speak to the creditor directly to request my agreement and verify my signature. Opening the dispute process navigates your fraudulent means of verification, but your digital verification system does not satisfy requirements under Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ).

Furthermore, please note that I have opted out in writing to your forced arbitration terms.

I have proof that you have violated my rights, as noted under FCRA. I'm giving one final chance to sort this matter out before turning it over to my attorney. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Oliver Adjustment Co.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
OAC claims I owe them {$140.00} Ive never did you have a picture or an idea of what you wanted bu With them and dont know who they are

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 2021-08-16
Company: Netspend Corporation
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
someone stole my identity while i was in XXXX  and was recieving my social security benefits on a prepaid NetSpend card. 
while before I went to XXXX  i was recieving paper checks

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 2020-08-02
Company: Home Point Financial Corporation
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Home Point Financial has been delaying giving my escrow money back after I paid off my Mortgage. They are holding back almost {$5000.00} of my money and wont give it back! They have told me they mailed it weeks ago and I still havent received my escrow refund. I think someone at this company has embezzled my escrow funds! This is the second time I am asking for help in getting my reimbursement back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
See the attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
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 is missing that should be on the report

Complaint:
Experian is not updating my credit file with all my accounts. I have been in contact with Experian and my credit to fix this issue for over two months. The creditors that are not reporting on my Experian credit file are my Loans from XXXX XXXX XXXX XXXX XXXX and Bank of America. I spoke to BOA at the beginning of XXXX about reporting this issue, and they said they would investigate and see what could be done. It's now XXXX going into XXXX, and nothing has been done. I spoke with XXXX XXXX XXXX XXXX in XXXX and XXXX to investigate the issue, and they informed me that there is no issue on their end as far as reporting. I even sat down with the credit union branch XXXX on XX/XX/2023, while we called Experian on the phone to get this resolved together. The representative, XXXX, took down the information the creditor provided her over the phone and gave us a confirmation number to track the investigation. I called today, XX/XX/2023, to learn that the investigation was closed and nothing had been done. I also sent over paper copies by mail of the dispute and disputed online the updating of my report, and only half of the dispute was addressed, and this was at the end of XXXX. So after numerous conversations with Experian and no resolution as of yet, I'm trying to see what else can be done. Please help! This is hurting me tremendously if creditors only pull my Experian 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 2022-03-08
Company: Experian Information Solutions Inc.
State: MT
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the following accounts completely from my Credit Report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-06-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/2021 I was hacked by an individual over the phone that posed to be fixing a computer problem and got into my bank account and stole {$1000.00} dollars by a XXXX transfer from my Checking account. It happened so fast I didnt understand what XXXX was and had never used it to transfer money I dont even know who it was transferred to. I reported it to the bank and after several weeks received a letter saying I was denied the return of my stolen funds to my bank 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 2022-06-20
Company: Bridgecrest Acceptance Corporation
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/2022 I called Bridgecrest to request an extension on both of my vehicles due to not having a job.I have been an outstanding paying customer, no late payments and this is my first time requesting something like this. At first I was told I had to pay half on each vehicle and again I explained I don't have a job! So I called back on the XXXX of XXXX and spoke with someone else and that representative put in a request for a one month extension which isn't a month because a payment is due XX/XX/XXXX and XXXX! 

I keep getting harassing phone calls daily from the company to the point I am lashing out because I'm requesting help and they are ignoring the request which has still not been approved. I promised to pay XX/XX/XXXX and XXXX and I truly believe they are waiting for me to pay instead of granting me an extension. Which will cause a missed payment for the month of XXXX to be reported on my credit report. I've never known a decision to take almost a month.

Company response to consumer: Closed with explanation