BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-02
Company: Experian Information Solutions Inc.
State: MI
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 noticed on XX/XX/2023, that these two bureaus are repeatedly, reporting incorrect information on my credit report. They have late payments and incorrect balances that have already been removed/updated. 

Account XXXX XXXX should be removed. 
Balance {$2600.00} Accounts below should be updated immediately XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Status CLOSED Last Payment Amount {$610.00} Late Payments XXXX Age of Account XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Status CLOSED Last Payment Amount {$520.00} Late Payments XXXX Age of account XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Status CLOSED Last Payment Amount {$80.00} Late Payments XXXX Age of Account XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Account Status CLOSED Last Payment Amount {$1200.00} Late Payments XXXX Age of Account 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 2023-12-01
Company: Mnet Financial Inc
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. A partial payment was made on this day, prior to XXXX. A month later, I received a final billing statement with the final amount due, which I paid immediately in full. About XXXX of XXXX, I received a phone call from someone ( not sure who ) saying I still had an outstanding amount for {$100.00}, but they couldn't tell me what it was for ( note : this was over two years after my XXXX ). I then asked for a detailed billing statement because I wasn't going to pay for something until I knew what it was for. They couldn't even tell me the date ( s ) of service. Two months later I received the detailed billing statement and it showed a {$0.00} balance, so I did what any reasonable person would do. I ignored it assuming they had made an error on their part. XX/XX/XXXX, I received notice from a collection agency. The amount due was {$100.00}. A week later I received a phone call from the collection agency about the amount due. I subsequently told them I would mail them a copy of the billing statement that shows a {$0.00} balance and I didn't owe anything. I also informed them in writing to stop contacting me. XXXX XXXX I received another statement from this collection agency demanding payment of {$100.00}. The same company I explicitly requested not to contact me, and if they did, they would be violating the Fair Debt Collection Practice Act ( FDCPA ), and they did just that. Not only that, but they sent me a copy of the detailed billing statement, but the difference between their copy and mine was the " Balance Due {$0.00} '' was omitted. Imagine that.

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 2023-12-01
Company: Experian Information Solutions Inc.
State: OH
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:
There is information that in on my consumer report that is a result of identity theft. I did not provide my written permission or instruct for the identified items to be reported on my consumer credit report. I am requesting that the reporting of this information be deleted and blocked from my consumer report. My request to block all identified accounts listed below is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : Account Name : XXXX XXXX XXXX Account Date : XX/XX/2020 You are required to do what I am asking and block the transactions from being reported to my consumer report within 4 days from the date of this notice. I look forward to your response. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: American Credit Acceptance, LLC
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Debetor 1 : XXXX XXXX Debetor 2 : XXXX XXXX Chapter XXXX Bankruptcy Petition Filed on XX/XX/XXXX Attorney Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , DE XXXX Trustee Info XXXX XXXX XXXX XXXX , DE ( XXXX ) XXXX CLAIM DETAIL Claim Number XXXX Claim Description SECURED VEHICLE XXXX XXXX XXXX Account Number XXXX Claim Filed Date XX/XX/XXXX CREDITOR INFORMATION Creditor Name AMERICAN CREDIT ACCEPTANCE Mailing Address XXXX XXXX XXXX XXXX. 
XXXX, SC XXXX Payments have been made to creditor American Credit Acceptance, monthly as provided in account ledger under the repayment plan chapter XXXX. 

Most recent payment XX/XX/XXXX In XX/XX/XXXX or XX/XX/XXXX, creditor American Credit Acceptance repossessed vehicle and later released vehicle after phone call from customer. 

XX/XX/XXXX creditor American Credit Acceptance again repossessed vehicle. 

The repossession of the vehicle causes unnecessary infringement on customer, whom is under terms of contract and repayment plan with bankruptcy.

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 2018-08-29
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Wells Fargo opened another checking account under my name without my permission. This happening a few months ago - I am not sure on exact date. They have been charging me $ XXXX/month if the account does not have {$1500.00} in it. I already have a primary checking account with them ( that I will be closing and taking elsewhere ) so this did not make any sense to me and I received no forewarning by means of letter or phone call prior to this account being added. When I called - they told me they were transferring my savings into this account - again with no explanation.

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 2023-07-26
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Synchrony bank/care credit is one of the worst financial institutions that I've ever worked with. I ask them for months to provide me with a settlement and they refused saying that I would need a late payment for them to offer me a settlement. They then charged off my account and proceeded to report it wildly inaccurately to all three credit bureaus. I've asked that it be corrected or removed at least 10 times and they refuse to do so. In addition, they have charged large and unnecessary fees to my 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 2023-04-24
Company: EQUIFAX, INC.
State: CA
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 checked my credit report and found that some of the data were incorrect. Equifax is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2013 Balance : $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: Ragan & Ragan, PC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
RAGAN & RAGAN is attempting to falsely collect an inflated amount from a XXXX Credit Card which was {$550.00} and attempting to collect over {$1000.00} and have threatened me and my family with legal actions. I also was not informed properly regarding a default judgement which they coerced the XXXX County Magistrate Court to issue when I was not informed there was a hearing date. This is also a form discrimination and retailiation because I filed a prior CFPB complaint regarding their discriminatory business practices. Now they are attempting to collect on monies not owed to them after purchasing the XXXX account for Pennies on the dollar. They are threatening me as a U.S. Citizen and U.S. Veteran and am requesting that they cease in their maneveurs against me. The Default Judgement should not have been issued and I am disputing the Default Judgement to have the courts reverse their illegal actions. They are also taking advantage of the fact that I am currently unemployed and seeking other illegal means to get monies not owed to them. They discriminate against XXXX XXXX XXXX  and can not stand to see a XXXX XXXX XXXX  fare well in the United States. Also, when I was attempting to go to court to defend myself last year, I requested a Continuance on the case since I exchanged emails requesting this to be granted due to my daughter who was hospitalized in XXXX  for over 34 Days due to a debilitating medical condition which affected me and my family since 2016 and they are now attempting to further coerce and take advantage of the system illegally even during the Coronavirus Crisis because they care nothing about others but themselves and are driven by greed! Absolute Greed for money. I have a XXXX Daughter and XXXX Husband who is also a Veteran whom I caring for as well and this is a malicious act by Ragan & Ragan and Double-Jeapordy as well. 

Also, a lawyer from XXXX attempted to contact them and they are also friends with a lawyer which previously worked my case and are now coming after me through retaliatory means as well which is illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: SYNCHRONY FINANCIAL
State: IN
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 husband and I are in the process of moving and purchasing a home. In anticipation of this event I pulled our credit to check credit scores. Upon doing so I discovered a defaulted SYNCB/XXXX  account. Over two weeks ago I submitted a fraud complaint. I then received a response from XXXX stating that the creditor verified the account as accurate. I then called Synchrony Bank to discuss the fraud claim. The first person I spoke to said that we could simply pay the claim. NO WAY! I then asked to be transferred to another agent. They said that the process would take 10 to 60 days. We hope to close on a home in less than 60 days. That agent said he would transfer us to the investigator and they would take our information. The final agent said that she could do nothing to help us expedite the process. Please note the following facts : 1. We currently have 3 open accounts with Synchrony Bank. One is paid off with perfect pay ( XXXX 's ), the second is XXXX 's XXXX with a XXXX balance, charged on monthly and paid off and finally XXXX XXXX which has a balance on automatic pay and paid perfectly. All three accounts have our current address and correct phone number. 

2. The address used to obtain credit is a home we have not owned since XX/XX/XXXX. We have not lived in that home since XX/XX/XXXX. The account was opened in XX/XX/XXXX. 

3. The first agent I spoke to said that they reject all fraud claims made through the credit bureaus by consumers. 

4. We have never had a late payment or any derogatory credit. 

5. The interest rate on the mortgage will be higher due to lower credit scores. 

6. The agent was in fact not the investigator and she made the following statements : A. There is nobody with more authority than her at the bank B. There is no way to expedite the verification process C. She can not give us the account number in reference D. She can not transfer us to another account manager E. The investigators will not talk to us to help provide information F. Her name was XXXX # XXXX ( probably not correct employee reference # ) G. She wanted us to link our current phone number with the defaulted account! 

The effects of this error will cause thousands of dollars in interest charges and/or possibly lose the house due to delay in processing.

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 2023-02-19
Company: Genesis FS Card Services, 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: Credit inquiries on your report that you don't recognize

Complaint:
I was notified by one of the companies that helps me keep track of my credit reporting that an inquiry popped up, I contacted CB INDIGO bank and told them, I was notified of an inquiry, I needed them to remove this inquiry because it was not me. I was notified on XXXX XXXX and I called them directly I spoke with a gentleman by the name of XXXX and he let me know it takes 30 to 60 days and he said I would need to contact the Ftc. I am been a victim of Identity theft, that is why I check my credit daily. I also was notified that Destiny Card did an Inquiry on the same day. I need this inquiries removed off of my XXXX report and the account closed if they were opened asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: Experian Information Solutions Inc.
State: CO
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:
This complaint involves Experian and a lack of ability to address a hard credit inquiry issue. First issue I have with the process is sharing all my identity information with the Experian telephone employee in XXXX XXXX. As you are well aware, this is outside the U.S. and U.S. laws. I am in the process of getting a mortgage over the past year and a half. Each 90 days the two mortgage companies I am working with are pulling a hard credit check. I was not aware they were doing this to keep my file up to date and as a result, my credit score is suffering. Experian said they could do nothing about hard credit inquiries since, by law they had to report them. The two week forgiveness period for multiple hard inquiries is not enough. It should be extended to the same institution for the same loan process/application. And Experian or other credit bureau should be able to address the issue with the client.

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 2023-02-18
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I sent a letter off registered mail To remove personal information that I dont not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my my federally protected consumer rights.

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: Nationwide Credit Corporation
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a notification seeking to collect a debt for a toll of {$1.00}. I have not received any prior notification or bill for a toll previously. The notice is charging a {$100.00} service fee to collect a {$1.00} toll that I've never been notified about or billed for previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have sent multiple disputes and XXXX is still reporting inaccurate information. I was not sent proper validation upon request. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. XXXX XXXX XXXX has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of XXXX XXXX XXXX. XXXX XXXX XXXX is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.

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 2023-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Due to my understanding Merrill Lynch weath management an other account who was holding on to my stocks an bonds was using my account with notifying me due to my personal information change in the data systems due identity theft I requested to redeem my asset they holding that is my asset identity theft change my personal information so I want have assistance to my personal property I am redeemed my asset this is evidence showing my asset

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 2023-01-27
Company: Messerli & Kramer P.A.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
They never responded within 30 days and it's still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: Store credit 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:
I filed a dispute with Synchrony for Lowe 's regarding window installation. Defective windows were installed in XXXX, and still attempting to get a resolution. The dispute was closed because " the store '' contacted me to resolve the issue. However, after contact with the store manager, XXXX, a resolution is still not complete. I am still waiting for Lowe 's to communicate with the manufacturer regarding the defective windows. There is no timeline, in the meantime, the windows do not fully close. Water comes into the house when raining, noise from wind throughout and the resolution is for me to cover my windows inside and out with plastic. 

When I called Synchrony today regarding the closed dispute, I was told that I can not dispute services once the services has been received as " we are a bank and not qualified to determine if the services are done correctly ''. I was told my only recourse is to work with the store, however long that may take, but that payments will resume on the balance.

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 2023-12-01
Company: Experian Information Solutions Inc.
State: NC
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:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 



Open Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : Experian XXXX - XXXXXXXX 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 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 of 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