BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-09
Company: Genesis FS Card Services, Inc.
State: NC
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:
There was a charge on my card in the first week of XXXX for {$100.00} that came from XX/XX/XXXX for a {$99.00} annual fee. First of all, a {$99.00} annual fee is rediculous, but, I've paid it these past 2 years because I don't want to close the card and lower my credit while in the process of trying to buy a home. So, on XX/XX/XXXX I made the payment of {$100.00} and the next day XX/XX/XXXX forgot I paid it the day before and made the payment again ... totaling {$200.00}. This shows on my XX/XX/XXXX statement, that I over paid {$100.00}, so my account was $ XXXX ... .With GenesisFS card services ( Indigo Card ) owing me the XXXX. They claimed they would return it to my bank of which they never did ... ( And all these calls should be recorded ) ... .Now, they've turned around this month and charged another {$140.00} for God knows what, but I don't, nor did the last representative I spoke with. The representative also stated she could see a future statement that I could not see online and I was being charged a late fee, which is impossible! ... The company owes me! ... .How could I be charged a late fee! ... They claimed it was due to insufficient funds, and yet ; the money left my bank and was not returned, as it shows on the XX/XX/XXXX statement. Today is only XX/XX/XXXX, so how could anything be late and they owe me?!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Today XX/XX/2018 I received a letter from XXXX XXXX XXXX demanding that I pay a fraudulent " balance due '' of {$310.00}. The letter references an acct No. XXXX and is addressed to me at my home address. I have never gotten any loan nor had any contact or dealings with XXXX XXXX XXXX or any other outfit for a loan of any kind. This is fraud. 
When I called the Customer Assistance dept and spoke to XXXX, the first thing he demanded of me was my SSA # and my Date of Birth : the very things a thief would use to make a fraudulent claim! He said that he " could not find me in the system '' under my name and the Account number above. He admitted that his company had generated the letter, but said he could not help me at all unless I gave him a bunch of personal financial information as noted. Then he transferred me to his Supervisor, XXXX XXXX, who repeated exactly the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
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 2023-02-17
Company: Experian Information Solutions 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-12-18
Company: Experian Information Solutions Inc.
State: FL
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:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-12-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-22
Company: Experian Information Solutions Inc.
State: IN
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:
On XX/XX/2023, I have noticed an inaccuracy on my credit report. I am not liable for XXXX XXXX XXXX XXXX XXXX This account is not mine. I have no knowledge of this account. I did not signed into a contract with them. I have the right to privacy under the FCRA law. Any credit reporting agency can not furnish an account without my written consent under the FCRA law.

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 2018-11-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
About 6 months ago I pulled my credit report and noticed numerous accounts on my credit report that I did not recognize. These accounts do not belong to me. I submitted letters to the credit bureaus and the creditors that appeared on my credit report requesting information that the accounts belonged to me when they were opened etc. No responses. I then started directly sending certified letters to all three credit bureaus advising that the information is not mine and requested it to removed and requested response from them. The accounts there were in question are ; XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. The most recent letters that went out with no response was on XX/XX/2018. For XXXX  the tracking # is XXXX Equifax tracking # XXXX and XXXX tracking XXXX. In the letters that were sent, I advised that they have 30 days to respond or remove before I file a complaint. I received no response from any of the bureaus. I then submitted a second letter on XXXX tracking XXXX XXXX Equifax tracking XXXX XXXX and XXXX tracking : XXXX. To this day I have not received any responses from either of the 3 credit bureaus and these accounts remain on the credit report and negatively impacting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-11-23
Company: Paramount GR Holdings, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XXXX of 2022 I took a {$44000.00} loan for solar panels to be installed first the sales people took the phones in put information and electronic signature since my wife and I did not have knowledge on how to so instead of showing us they took both phones and signed the contract second they never took out a permit to do the solar panels they were installed in wrong place it's crooked after trying to contact XXXX XXXX XXXX we were informed in XXXX of 2022 that they are no longer in business the panels have never been inspected or even turned on after fighting with Goodleap loan company sent someone out to fix the issue they came out took all panels electrical boxes wires ECT off stacked them in my yard safety hazard never heard from them since Goodleap keeps calling wanting payment which we were paying to collect payment promised to fix issue now they want to raise my payment from {$180.00} a month to {$250.00} for something sitting stacked in my front yard don't forget the steel poles to hold panels sticking up in my yard please help I don't want the solar it's already took down they can easily pick it up I'll cut the poles down myself thx for your time XXXXXXXX XXXX

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 2023-03-08
Company: FIRST ADVANTAGE CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
First Advantage Consumer Center has submitted misinformation to XXXX that might cost me my job. This company is requesting w2s from XXXX and I can not gain access to them. 
My IRS file goes back to XXXX. These are addresses phone numbers and employment history that belong to the thief.. The outdated information was removed months ago from my credit reports since they resulted from identity theft. This may have cost me the job I had applied for. I will press charges against this company if this costs me my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: NC
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:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2018-11-16
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Carrington Mortgage has refused to assist us during loan modification process. I made two trial payments and was late on the last one due to XXXX. They refused to work with me to extend last payment, they also have not credited both payments made to the account nor have they returned the payments to me after refusing to extend and instead cancelling modification. 

They have not returned numerous calls myself and HUD counselors have made to move foreclosure date and allow to continue doing loan modification. They have refused to escalate the file to loss mitigation and process the current loan modification file stating it was within 37 days of foreclosure. The paperwork sent to us clearly stated the date of XX/XX/XXXX as deadline to receive RMA and it was sent XX/XX/XXXX. They are purposely delaying and not replying or notifying us of status of modification application despite continous attempts on our side to be able to keep our home. I have included second RMA submitted to them on XX/XX/2018 that they refuse to review and closed without contacting us if anything was missing or needed to be added for consideration. We keep getting different answers about the status of the RMA. 

I am XXXX XXXX veteran, XX/XX/XXXX XXXXXXXX XXXX/XXXX, and XXXX XXXX XXXX XXXX on extended medical leave due to health issues and XXXX  for myself and my father. I am a XXXX for my elderly father who in the last year had XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX   XXXX and has XXXX XXXX  XXXX XXXX requiring continuous medical care.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: IN
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-08-14
Company: KEYCORP
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Hold put on t card for suspected fraud ; i verified my information and the transactions in question, but they wouldnt release my card because they said i didnt have my security questions set up, and told i couldnt call for another week Spent several hours in the phone trying to get this sorted out, being bounced between customer service and fraud dept many times

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
About 6 months ago I pulled my credit report and noticed numerous accounts on my credit report that I did not recognize. These accounts do not belong to me. I submitted letters to the credit bureaus and the creditors that appeared on my credit report requesting information that the accounts belonged to me when they were opened etc. No responses. I then started directly sending certified letters to all three credit bureaus advising that the information is not mine and requested it to removed and requested response from them. The accounts there were in question are ; XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX   The most recent letters that went out with no response was on XX/XX/2018. For Experian the tracking # is XXXX XXXX tracking # XXXX and XXXX tracking XXXX. In the letters that were sent, I advised that they have 30 days to respond or remove before I file a complaint. I received no response from any of the bureaus. I then submitted a second letter on XXXX tracking XXXX XXXX XXXX  tracking XXXX XXXX and Experian tracking : XXXX. To this day I have not received any responses from either of the 3 credit bureaus and these accounts remain on the credit report and negatively impacting my 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 2023-08-15
Company: NAVY FEDERAL CREDIT UNION
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:
Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b. Also Company has NO permission to report ANYTHING using my info pursuant to 15 USC 1681a ( 4 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
to whom it may concern my name is XXXX XXXX. My address is XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. The last XXXX of my SS # XXXX and my XXXX is XXXX. My phone number is XXXX. I am currently writing this complaint because my forever XXXX credit card is not providing me my full benefits this card is supposed to offer. This card is supposed to offer an annual XXXX XXXX off on it anniversary day which mine is in XXXX of when the account is open and {$10.00} off for the coldholder birthday. Which mines is in XXXX. I havent received any of these benefits in the last XXXX  years. I called customer service and asked about it and was advise their rewards system have been down so thats why I havent received these benefits and maybe XXXX received it next year. As a consumer the main reason for having this card is to enjoy the perks and benefits of what the card has to offer and if Im not receiving it what is my reason for using this card when their are thousands of other cards available? I also ask if anything else can be done or Accommodated and they advise me nothing else can be done. I feel like this is very unfair to the consumer because these things are promise as a term and condition of the card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of 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 2023-08-31
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Ive made several complaints about Experian Ive sent them numerous certified letters in which they supposedly dont ever get even though they have signed for them. I had another complaint previously that they resolved on here. That said they were just gon na send me a new credit report. How is that fixing anything? I continue to tell them that the experian.com/upload is not working, because it never submits the dispute. They say I can call in but then how can I get them my documents if they are not getting certified mail and the upload isnt working?? This credit bureau is getting away with all of this stuff and doesnt ever resolve. Customer complaints.

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 2023-11-23
Company: Experian Information Solutions Inc.
State: NJ
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:
I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

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