BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 2023-04-24
Company: FORD MOTOR CREDIT CO.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filed a complaint with the creditor that the information on my credit report is not being reported accurately and it was reported to me that it is correct however its not and i will prove that it is not and want the history of the late payments be removed and deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: CITIBANK, N.A.
State: FL
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:
My credit card shows 2 charges from well know scammers, phone XXXX XXXX XXXX. Each charge was in the value of US {$52.00}. I want Citi Card to cancel these charges, but to do this, they want to cancel my card and issue a new one. I called their number, XXXX XXXX XXXX XXXX on the XXXX XX/XX/2022, XXXX AM. The problem is that changing one 's card involves changing tens of automatic pays, which is a nightmare. It is Citi Card 's fault if they allowed know scammers to charge my card, they should fix the problem without causing me headaches.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-16
Company: Experian Information Solutions Inc.
State: MN
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:
The following credit inquiries thats currently listed on my Experian credit report are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX XXXX, XX/XX/20, and XXXX XXXX XXXX XXXX XXXX, XX/XX/20.

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 2023-01-19
Company: ERC
State: MO
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:
I have a credit report about atnt they're trying to collect funds from a phone that I once had I would like to use my rights of rescission 15 USC 1635 also they're in violation of the truth and lending as I put a Downpayment on this phone and they're trying to collect funds from me I would like to receive the property and collect the money using 15 USC 1635 they're also in violation of 15 USC 1662 as I put a down payment and money for installments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Security Credit Services, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a dispute online to XXXX regarding my collection account. I wanted to dispute the validity of the debt with proof, over 3 months ago and never heard a response back they just ignored the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
My name is 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. Please delete the accounts : XXXX - XXXX XXXX  XXXX Open Date XX/XX/2015 Balance : {$2500.00}, XXXX - XXXX XXXX XXXX Open Date XX/XX/2015 Balance : {$2700.00}

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 2022-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, I deposited {$5000.00} at BoA 's ATM in XXXX XXXX, Michigan, but the money didn't reach my account, and the ATM didn't return my cash. The ATM swallowed my money. The bank kept asking me to wait and didn't deal with it, but I was in a hurry to use the money The ID of ATM is 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 monetary relief
Consumer complaint received 2023-03-07
Company: CITIBANK, N.A.
State: NY
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:
Below are the claims that have been denied. Citibank has disregarded my rights under the credit card agreement. The merchant has not honored these purchases as I can no longer access my account for switch I paid for. 

{$54.00} on XX/XX/2023 {$33.00} on XX/XX/2023 {$33.00} on XX/XX/2023 {$33.00} on XX/XX/2023 {$33.00} on XX/XX/2023 {$65.00} on XX/XX/2023 {$33.00} on XX/XX/2023 2023

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 2023-02-24
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I spoke to the latest Bank Representative today and she read me the same lies as stated in previous responses from the bank. She also claimed that she witnessed me requesting a {$20000.00} loan from the original bank agent the which is an absolute lie because I continuously requested only XXXX The original agent stated that i could get more more money since my house is almost paid for. I explained that i am XXXX, on a fixed income and the most that i can afford to pay back is {$10000.00}. He said let me put you down for {$100000.00}. I immediately refused and again stated my income, XXXX and inability to pay back more than $ 10,000..He began to bagger me and went down to {$75000.00}. I again refused and warned that I am mentally disable and his tactics are greatly disturbing me. He continued his harassing tactics from. {$75000.00} down to {$59000.00} and then {$25000.00}. I warned again of my XXXX and said if you stop badgering me I will go to {$20000.00}. this was only because of his mentally hurtful tactics and he stated that I probably wouldn't got the {$10000.00} loan because borrowing that small amount would not be beneficial to the bank. I told the bank representative today to resend the lie that she sent to your agency and write the truth.. I requested only {$10000.00} and was refused the loan because I didn't fall for their predatory lending tactics! She should be sending .a revised truthful statement to your agency as I insisted.

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 2020-09-16
Company: Experian Information Solutions Inc.
State: MN
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:
This is XXXX XXXX filing and submitting this complaint. The following credit inquiries currently listed on my XXXX XXXX, XXXX  and Experian credit report are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX XXXX, XX/XX/20, XXXX  XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX XXXX  XXXX XXXX, XX/XX/20, XXXX XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX  XXXX XXXX, XX/XX/20, XXXX  XXXX, XX/XX/20, XXXX  XXXX, XX/XX/20, XXXX XXXX  XXXX, XX/XX/20, XXXX, XX/XX/20, XXXX/XXXX  XXXX, XX/XX/20, XXXX/XXXX  XXXX, XX/XX/20, XXXX/XXXX, XXXX, XXXX  XXXX/XXXX, XX/XX/20 XXXX XXXX XXXX, XX/XX/20 XXXX XXXX  XXXX/XXXX, XX/XX/20, and XXXX  XXXX  XXXX  XXXX XX/XX/20 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX is harassing & calling me about a XXXX XXXX XXXX credit card that is paid & closed. I Disputed with them to cease & desist calling me from various numbers out of the country & that I have no further business with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-10
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:
On XX/XX/22 I wrote to Equifax telling them that there was incorrect accounts and derogatory marks. I then followed up with another letter on XX/XX/22 stating that they have 30 days to comply. I have not heard anything back from them yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I reached out to my bank on several occasions and the bank reached out to company as well. It was a fraudulent transaction so I filed it with the company and they said they would look into it and never did and didnt give me any reason why claim was denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
A collection company with an unknown date reported some payday loan or something that is not mine to Transunion, XXXX, and XXXX  on XX/XX/XXXX. I filed a complaint with all three credit reporting agencies with supporting documentation and XXXX is the ONLY one that removed it because my documentation proved that 1 ) my name did not match the name on what they have 2 ) XXXX XXXX has ZERO documentation 3 ) they harassed my parents back in XXXX when I did not even live at whatever address they HAVE LISTED 4 ) I was living in XXXX XXXX 5 ) I had already reported case of identity theft by that time 5 ) now its been over 30 days with ZERO response by such company XXXX XXXX and Transunion and XXXX have yet to remove it while it still lowers my credit score. I AM BEYOND LIVID

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 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft, and I recently pulled a copy of my credit report online and found that you are reporting the following inaccurate information in my file that is negatively affecting my XXXX XXXX I have given notice to the creditors regarding this matter as well as the other XXXX major credit bureaus of this matter that who have rectified these issues at hand. As of today XX/XX/, Transunion is being put on notice via phone and United States Certified Mail Receipt.

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 2020-05-08
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Between XXXX and XXXX of XXXX, i attempted to have my payments re-structured, to help lower the payment. I had come into some bad health issues at the end of XXXX, as well as moving home XXXX miles from XXXX due to these health issues. I did not want to put it into forbearance if i could've avoided it, but my income had become drastically smaller and throughout this whole process, i was missing payments. 

I am back in good health now and have started an XXXX program and now me and Fed Loan servicing seem to be on good terms. I am trying to start my life over and these missed payments from XX/XX/XXXX - XX/XX/XXXX are keeping from being able to do that. I only want a chance to live a normal life and i do not think that punishing someone for XXXX XXXX years because they were sick and unable to make payments for a few months is fair. 

If you will look on my credit report, there is evidence of payments to them up until XX/XX/XXXX, though in my attachment, the payment history downloaded directly from my Fed Loan account reflects no payments made on the loan. I can find bank statements if need be, but it proves Fed Loan not only is incorrectly reporting missed payments, they don't even update their own statements to reflect true payments. Those 7 months should have reflected a deferment but instead have damaged my XXXX XXXX tremendously as " missed payments. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: CCS Financial Services, Inc.
State: TX
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 am in receipt of a computer-generated letter from vour company with unsigned, unverified, unvalidated statements alleging some kind of debt. Who are you? Do Thave a contract with you? If yes. please send a certitied copy of the contract that exists between XXXX XXXX and CCS It is my policy to pay all legitimate debts, but to also not be defrauded by clever schemes and I do not owe the debt for the account in the above Regarding. However, your claims are conditionallv accented provided vou furnish me with a claim verified under penalty of perjury. 

Please verify your claim under pains and penalties that this is a true debt and not a collection scheme per the F.D.C.P.A at 15 U.S.C. 1692 e.g. 
Please send me a certified copy of your license to collect a debt in Texas. If you purchased this as a " debt collections '' device to make money as a debt collector, thank you for paying off the bill. You have 3 days to respond with a statement of account with a XXXX balance and remove any and all unlawful on my credit report. Failure to respond in 3 business days is acceptance and your failure to cure vour dishonor will receive my NOTICE AND DEMAND for {>= $1,000,000} in damages for violations to include : Fraud, Extortion, Denial of Right to Happiness, Dishonor in Commerce, Collusion Racketeering, Conspiracy, Intimidation. 

Here are the terms of this self-executing Contract : Respondent must respond in an Affidavit with the requested supporting documentation and mail it to me. 

In the absence of a true bill, kindly tender payment of {$1000.00} payable to : XXXX XXXX for 1 ( one ) unsigned, unverified, unvalidated statement punishable by Federal Law pursuant to Title 18 USC 1341. 1702. 1703 and 1708.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE All Rights Reserved, XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my Transunion consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2019-06-12
Company: EQUIFAX, INC.
State: TX
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 received an alert through email showing I had a new collection on my credit report from XXXX XXXX  XXXX, with the original creditor being XXXX XXXX XXXX. I spoke with both XXXX, who couldn't find the debt under my name or date of birth, and the collection agency. The collection agency stated they reported the ARC debt under a DIFFERENT XXXX XXXX with a DIFFERENT DATE OF BIRTH. However, Equifax put this debt on my credit and now I have to wait 30 days for the " dispute and investigation '' to be completed. They made a very big error and now my credit score is going to go down because of their mistake. I shouldn't have to wait 30 days for this dispute to be completed and for this debt to be removed. Equifax screwed up and the debt needs to be removed IMMEDIATELY ; not in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: NJ
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:
XX/XX/XXXX i send a dispute to Experian regarding missing and incorrect information on being reported to my credit report. XX/XX/ at XXXX my dispute letter was received by Experian and they have not responded.

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 2021-07-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Called my place of employment asking questions about me. I asked they not contact my place of employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I've already disputed these items with bureaus 7 months ago, more than 3 times, and they have agreed to delete this incorrect information, and it still has not been removed from my consumer 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 non-monetary relief
Consumer complaint received 2020-03-25
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:
In XXXX, I applied for a loan at my bank and was denied to do items appearing on my credit that I had no knowledge of. The has been a headache as I have reached out to credit bureaus and i'm not getting anywhere with them, so I choose to reach out to this company. These items appearing on the letters I sent to credit bureau are stopping me from moving forward with my life.

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 2023-02-25
Company: Experian Information Solutions Inc.
State: MD
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:
I do not believe the current status of the card to be correct, on XX/XX/XXXX I submitted a request for a detailed account record and as of today XX/XX/XXXX I have received no response from the card issuer. Per the FCRA I am due fair, true, and accurate reporting of any credit lines, and am due to have this verified and back to me within 30 days of my formal request. This is in violation of my rights as a consumer and needs to be addressed. There is also a credit reporting mismatch as the account was reported to XXXX, and XXXX but never to Experian. Per the FCRA any and all accounts must be reported accurately across the three credit bureaus, as it stands this account never was per its update in XXXX. Also per the Fcra the bureaus can be held to civil penalties for non-compliance.

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