BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I purchase an auto loan on a used car, XXXX XXXX XXXX, through XXXX XXXX XXXX in XXXX XXXX, NJ. Bank is named 53rd bank, contact number XXXX. In XXXXXXXX XXXX XXXX I became unemployed and contacted them with this information. Their response was that I was not eligible for their hardship program and that I should pay what I could. There is a note by my account that says " User memo 8 add '' around the time I called. I did just that and when I became a Full time employee in XXXX the account had been charged off in XXXX. I contacted them about that to dispute it Their response was that I could not dispute the charged off account and that I should have received a letter in the mail. I did not receive the letter in the mail because I moved in XXXX and had issues with forwarding mail to my current and updated residence. There wasn't even an email. 
I have reach out to many different financial institutes to cover the loan, but non are willing to work with a charged off account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-19
Company: Experian Information Solutions Inc.
State: TX
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:
Experian credit Bureau makes it their intent to keep you from talking to an individual pertaining to fraud  on your account. I called XXXX XXXX XXXX ) to be treated with hello please give us your social security number so I can look you up. Now that sounded like fraud not stating who you called instantly asking for your social security number. Then youre told by a computer you can not talk to a person. How can you call in and dispute items if the credit bureau refuses to acknowledge your existence outside of a computer? Then I called XXXX which said call the computer line which will not allow you to address issues with a live person so they can understand what you say. I Then called XXXX. Again no person to discus the issues of fraudulent activity on my account. I have several payments Ive been trying to dispute but it says to call in, why to talk to a computer that caint understand what youre saying? Ive got a large amount of fraud to dispute from unsolicited credit card, hard and soft inquiries out like XXXX XXXXXXXX and XXXX XXXX  which has made almost 30 hard and soft inquiries. XXXX with Experian also has posted un requested inquiries. XXXX does not accept banks that are not national, Experian sells their credit services but prevents the consumer from being able to upgrade their credit report because now they dont recognize the bank you use. Experian, XXXX, and XXXX all need revamped to where they take care of the consumer not barricade the business behind the bureaus to violate the consumers and help perpetrate fraud on your account to reduce your score to increase business interest rates.

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 2023-10-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2022-11-27
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXXXXXX XXXX, Account # XXXX Account Status Closed Payment Status Past Due - {$150.00} Balance Owed {$150.00} Payment Amount {$0.00} Credit Limit {$500.00}

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 explanation
Consumer complaint received 2018-05-16
Company: Experian Information Solutions Inc.
State: MI
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:
On XX/XX/2018 I filed a written demand set USPS Certified mail # XXXX XXXX XXXX XXXX XXXX for XXXX  to remove the fraud alert placed on my consumer credit file. I DID NOT request or authorize anyone to place a FRAUD alert on my behalf. 

On XX/XX/2018 I filed a written demand set USPS Certified mail # XXXX XXXX XXXX XXXX XXXX for EXPERIAN to remove the fraud alert placed on my consumer credit file. I DID NOT request or authorize anyone to place a FRAUD alert on my behalf. 

On XX/XX/2018 I filed a written demand set USPS Certified mail # XXXX XXXX XXXX XXXX XXXX for XXXX to remove the fraud alert placed on my consumer credit file. I DID NOT request or authorize anyone to place a FRAUD alert on my behalf. 

According to the companys website upon receipt of a written request they will usually remove a fraud alert within 72 hours. 
Its been more than 72 hours since the request was made and the Fraud alert remains. 

This erroneous fraud alert is being publish without my authorization written request, and has caused me to be denied credit. It is of an urgent nature that I am requesting your assistance in have this unauthorized fraud alert removed. Additional I would like the credit bureau to notify each company that has conduct a hard pull of my credit within the last 30 days that the alert has been removed.

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 2023-07-31
Company: Westlake Services, LLC
State: MD
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:
7/30/2023 XXXX  Fraudulent inquiry 
7/19/2023 XXXX XXXX XXXX XXXX XXXX      Fraudulent inquiry 
7/19/2023 XXXX XXXX XXXX XXXX  Fraudulent inquiry 
7/19/2023 XXXX XXXX Fraudulent inquiry 
7/19/2023 XXXX XXXX XXXX XXXX Fraudulent inquiry 
7/19/2023 XXXX XXXX Fraudulent inquiry 
7/19/23 XXXX XXXX     Fraudulent inquiry  
10/7/2022 XXXX XXXX XXXX Fraudulent inquiry  
10/7/2022 XXXX XXXX XXXX Fraudulent inquiry 
1/10/2022 XXXX XXXX          Fraudulent inquiry.  
7/19/2023 XXXX XXXX XXXX  Fraudulent inquiry
7/19/23 XXXX XXXX XXXX Fraudulent inquiry

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 2023-07-31
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a personal and a business account with Truist Bank on XX/XX/2023. I deposited {$100.00} into the checking account and a paid a required opening fee of {$100.00} for the business account. I tried to log into my accounts with Truist bank and I was not able to access my accounts. I went to the nearest branch and I was informed by a teller that both of my accounts were closed. I was given a number to call in order to receive a report & possible answers as to why my accounts were closed. I called the number and I did not receive any answers. Also, the bank teller informed me that I can not get my money back that was deposited the day I opened both accounts. I feel that I am being discriminated against and that my account was wrongfully closed. The bank has record of my social security number and I believe my information is being used to conduct fraudulent activity. It is illegal for the bank to take my application and my social and not provide any services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: 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 appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still some accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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 2023-10-20
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:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

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 explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: NY
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:
ive been trying to retrieve my credit report from experian and also using XXXX  which i pay monthly for now im getting a message after removing stuff off my account that wasnt me its saying " Sorry, we can't show you today 's report. This might mean that your lenders have different personal info for you than we do. Until this issue is resolved, you won't be able to see your report. '' last update was the XXXX on the XXXX website it itshowing up blank as no report at all nothing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX Last 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 2023-06-19
Company: Bread Financial Holdings, Inc.
State: MS
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 has violated my rights. 
In accordance with the fair credit reporting act, XXXX XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.1 5 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish without my written instructions.

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.

15 USC 1681a : report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1681c-2 : Block of information resulting identity theft.

15 USC 1681n : Civil liability for willful noncompliance.

15 USC 1681o : Civil liability for negligent noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I dont owe any collection company. I dont have a signed contact with any company. I request company to delete collection off my credit report asap They are also reporting collection as an open account on my credit report this alone is a fcra violation. Delete delete

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
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:
Just recently I ordered my yearly credit report and noticed many errors your company is reporting on my report. Not only is it distressed but I am disappointed at how I was affected by the XXXX breach. It has affected me in many ways and has caused so many problems that are out of my control with my identity being used. I am unaware of the accounts and inquiries listed in this letter and I demanded that theyre investigated internally by disputing only the accoutns and inquiries mentioned below. I have never given my consent to open any of the listed accoutns or any new accounts due to the being puzzled of how inquiries were placed on my credit file. These are serious errors that your company has made time and time again concerning my credit file and I will take legal issues if I have to immediately. This has been the 2nd time that I am disputing and it seems that Im being ignored for a particular reason and theirs no answer on to how the errors got any my credit file. I will go beyond measures to get the errors removed and if theyre not removed by XX/XX/2018 I will be taking legal actions against your company. 
Accounts Errors : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3.  XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX Unauthorized Inquiries : 1. XXXX XXXX 2.  XXXX XXXX XXXX 3. XXXX/XXXX 4. XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX 7.  XXXX XXXX 8. 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 2023-10-20
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I put in a reinvestigation dispute on EXPERIAN because I did not agree with the reporting they have been doing. It is false and inaccurate reporting and according to Fair Credit Reporting Act I have a right to a fair and accurate reporting. Which is not being shown. I have disputed this in the past and their updating and verifying this account with inaccurate information and at this point its past the dispute process aswell as reinvestigation as I have now disputed this account XXXX time hoping for a accurate and fair surety report. They have never updated it with correct information. I have proof that they have been reporting false information for months now and after several disputes it is still not right. I DEMAND YOU DELETE this account from my CREDIT REPORT IMMEDIATELY OR I WHILE BEGAN FILING LAWSUIT for violating the FCRA, consumer rights, and this is causing me grief harm and anxiety as this has been a continued problems for a couple of months now. 

Attached below are recent dispute from XX/XX/XXXX. 
Report number : XXXX Date XXXX Also attached below is proof of inaccurate reporting over and over and proof from the contracted from this account has different information on it than whats reporting.

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 2023-04-19
Company: Paypal Holdings, Inc
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was on vacation in XXXX XXXX XXXX. I was XXXX XXXX XXXX XX/XX/XXXX and my phone was taken from me. The thief got into all my bank accounts, credit cards, and my PayPal account. I had a PayPal balance of + {$200.00} on XX/XX/XXXX. 
I communicated what happened to PayPal as soon as I discovered the fraud on XXXX. The account was several XXXX XXXX overdrawn. I had the account locked down so the thief couldn't do any more damage. PayPal customer service guaranteed the account was safe and locked. 
I was horrified to discover on XXXX that PayPal did not lock the account down, and the thief had charged even more. I called PayPal again screaming to lock the account down. Again PayPal said the account was locked down and safe. 
To my surprise and dismay, yesterday I received an email my PayPal account was - {$15000.00}, my fraud claim had been rejected, and they are taking me to collections. 
I am in the middle of trying to purchase my first home. My credit score has been decimated from this and now I don't qualify for a mortgage. On top of that, I am being harassed by PayPal 's debt collectors. I called yesterday and have had the case re-opened, but nobody at this company cares or is doing anything. Meanwhile, this is destroying my life. I need help here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-03
Company: Farrell Holdings, LLC
State: UT
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:
XXXX XXXX XXXX and Prime Acceptance are double reporting a debt. I have recently looked at my credit and noticed that this debt is reporting twice. This is a violation under the FCRA and this needs to be fixed immediately.

Company response to consumer: Closed with explanation