BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-11
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged 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

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 2022-11-09
Company: Professional Finance Company, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX procedures were paid upon receiving the work. Both instances, the office manager presented me with a bill before the procedure and I signed and agree to pay the same day. The statements sent by the collection show my payments, but it also shows other charges I never agreed on. Also, the dates are incorrect and after paying both bills in person the same day of dental work, never returned to the clinic for any other work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Discover Bank, on XX/XX/2019, concocted a fictitious charge : OVRSHTCR TELLER CASH OUT CORRECTION - {$40.00} with no basis in reality. When confronted about their fraud, they chose to ignore it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There are 3 hard inquiries listed and XXXX. The was a data breach with all 3 credit bureaus. I have not provided or requested a credit iniquiry from any institution. 
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 
i have contacted all three creditor reporting companys

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am filing a complaint in reference to number XXXX. I was recently denied a credit card from American Express and know that I was discriminated against and that their decision was based off of information retained from my credit report which is filled with inaccurate and false accounts that I have been disputing with the credit reporting agencies. There were multiple violations of my consumer rights that they are liable for not only civil but also criminal. Attached is a letter I have prepared stating the violations from XXXX, XXXX, etc. XXXX wrote these laws to help and protect consumers such as myself. I spoke with 2 representatives one by the name of XXXX XXXX XXXX number XXXX who was very rude and talked aggressively telling me I was wasting my time and XXXX XXXX XXXX number XXXX who was trying to assist me the best she could. My experience with XXXX was horrible and no customer should be talked to that way EVER. I have also submitted a complaint to the Attorney XXXX and the Federal Trade Commission. My concerns continue to be ignored and I havent heard anything back from American Express even after sending an email to corporate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are four accounts on my credit report that were opened on my behalf without my permission ; I was made aware of them today XX/XX/2020 because I applied to rent an apartment and I did not qualify due to these accounts reflecting badly on my credit report. The accounts are from the following companies. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not have any written/verbal contract with any of these companies nor am I affiliated to them in any way. I did not give these companies permission to access my credit information nor did I gain anything from the accounts that were opened with those companies such as money, goods, services etc. and I never made payments towards these accounts. I have filed a police report and a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

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 2022-12-20
Company: PRESTIGE FINANCIAL SERVICES INC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I was in communication with Prestige Financial via text message. I asked what was due and was given an amount of XXXX and was told the interest amount was XXXX. I asked if I made a payment of XXXX when would I be due again, the rep stated this amount would take care of XXXX, XXXX, and XXXX 's installment, which would get me current and back due on XX/XX/XXXX. I made the payment and followed up with the associate who told me I was all good and my payment was processed correctly. Today XX/XX/XXXX I get a text telling me my account is past due and I have to make a payment, reached out to the company via text saying this must be a mistake because I was assured that I would be good until XX/XX/XXXX. Then I was basically bullied and said either I can pay XXXX or my account will continue to show past due. I've asked for them to review the text messages and explain to me why this wasn't explained, and they told me I should've known that they were giving me a discount. But like I explained to them I didn't ask for a discount. I asked what was due and when would I be due again. The company refuses to acknowledge their wrong doings and basically is telling me I have to XXXX it up and pay more money because their the finance company and my car could be repoed and or credit impacted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-23
Company: LEXISNEXIS
State: NY
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 Multiple inquiries on my credit account that i did not personally apply for, i have gone through a credit repair service as well as reached out to these companies myself and was unable to get anything to change

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: OPORTUN FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
Ive reached out this company in regards to pay off a loan borrowed from them and settled on the amount {$250.00}, from amount owed which is XXXX. I wrote them a check for {$250.00}, and its notated on the check negotiation of tender settles debt AND removal. Theyve accepted the check early XXXX. Months later, I examine my credit report to see NO updates to the entity on my credit report, even after payment and its been at least 3 months. Their in violation of FCRA laws and refusing to update in a timely manner as well as refusing to remove entity. My argument is the time it took to see any results wasnt reflected in the time given which is 30-45 days. Theyve had 2 extra months to supply an answer and have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus transunion, XXXX and XXXX to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature. Please see attachments for the list of fraudulent ACCOUNTS and INQUIRIES.

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 2020-06-17
Company: Experian Information Solutions Inc.
State: GA
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:
For more than two years, I have submitted documentation several times to XXXX with information that substantially proves The XXXX  XXXX, in fact, did not close my loan, it was not included in my chapter XXXX and that I am still paying on this loan that began in XXXX of 2016. 

I was involved in Chapter XXXX, I am not a lawyer, my lawyer advised me that a reaffirmation was not needed, even though she used one for my home water softener and filtration system. ( see enclosed ) Since Chapter XXXX, The XXXX XXXX stop reporting my payments and I am not getting the benefit of ownership. My credit score is really bad considering I have not failed to pay monthly. 

The credit reports reflect that the loan is closed and was part of Chapter XXXX. I find this erroneous because the account number is the same since payment one, the same on the credit report, the same on monthly payments, escrow, Tax, and Interest statements, all communication sent by The XXXX XXXX. 

I am not a lawyer, she did not file one, however, this loan is not closed, every month payment is made. How does this company get to take my money, not report and I get no credit for owning a home, and my credit does not improve? 

The reaffirmation is an excuse not to report, in my loan modification I signed a promissory note to The XXXX XXXX to pay $ XXXX for the next thirty years and a second note for a balloon payment at the end of that for another XXXX and if all fails on my part they are guaranteed to get the house ; which is why I fail to see why it is necessary for this kind of retribution.

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 2023-03-14
Company: ERC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The dates for the collections show as XX/XX/XXXX and XX/XX/XXXX for {$89.00} and {$1400.00} respectively. These accounts have already been paid on in full and are still reflecting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax ; XXXX  and XXXX  should not be reporting any lates on the DEPTEDXXXXXXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see page attached from my credit report ; list of accounts and spreadsheet. ) XXXX XXXX XXXX out of XXXX, Georgia is currently in a class action lawsuit for not keeping promises made to students. They guaranteed they would assist in finding work after graduation, providing externships, and if needed, the college would provide additional education. I never received my Certificate for completing the program and the college has since lost its accreditation, has been closed, and consequently my education is completely worthless. ( I have attached one of numerous articles relating to the misrepresentation from the college for reference. ) I have on multiple occasions tried to reach the college however, the office is closed and there is no forwarding telephone number or address. The false reporting of lates on these student loans is seriously harming my credit score and these line items need to be removed from my credit report. I have also tried contacting the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
about nearly 2 weeks capital one advertised online a statement that this particular card is a secured credit card, and that i could apply without a credit check. then i get a rejection statement after applying that i failed the requirements a unsecured credit card. when i applied for a secured credit card! i the company had XXXX  an employee call me then XXXX she said she does not know how to get the statement from the report off my credit report. im given a number to a so-called number of a Department of customer operator to assist, when in fact i was talking to a regular random telephone or customer care agent.she mentioned there's nothing she can do. whatever capital one sends to the credit reporting agency stays on my report... thencapital makes a response on my XXXX  complaint that i did apply for a secured card, but, there was nothing they could do! please look at the response from capitol one on my XXXX XXXX  report, sincerely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I requested documents on accounts that have signatures of all parties involved. I requested such documents via mail TWICE and by phone. I never received such documents and the companies never provided any type of follow up through mail, phone, or email. Some companies would not even give me information over the phone because I could not verify certain account details. I have already had issues with fraud before. The accounts are listed below with as much information as I could gather on them. 

XX/XX/XXXX account number XXXX XX/XX/XXXX account number XX/XX/XXXX account number XXXX XXXX XXXX XXXX could not obtain an account number but it seems health insurance related and I have had all health insurance items covered under my insurance policies and they would also not provide documents as previously stated. 

DEPT OF ED / XXXX This item appears on my account several times and not only has it been past the seven year mark for them ( meaning they should not even appear on the report in the first place ), there is no balance associated with these accounts. 


This is all the information I was able to gather on these accounts. Again, documents were requested multiple times and never received and no kind of follow up from the companies in regards to the accounts in questions ever happened. This is against the law as they have to provide documents when reuqested to do so. 

In accordance with the Fair Credit Reporting act. The List of accounts above 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.

Please remove these items from my credit report immediately as I am well within my 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 non-monetary relief
Consumer complaint received 2023-03-04
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 XXXX XXXX XXXXXXXX account # XXXX, this account is a charge off account. 

This is a violation of 15 USC 1681 ( e ) ( b ) which states a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I never received a 1009-C form for the cancellations of debt which is a violation of 15 USC 1681 ( e ) ( b ).

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 2022-07-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
When I went to the dealership they ran my credit multiple times even though I already had an approval from XXXX on XXXX, XXXX. All these inquires are fraud! I listed them below. 

XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX Their is a total of 8 fraudulent hard inquiries on my Equifax credit report. By law they must be removed.

Attached is my police report showing I have reported these inquires and XXXX headquarters has already taken action against the location that ran my credit without my consent. bellow are other hard inquires that I did not authorize making them also fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called into American Express. I got an email saying I still owed this months payment. I found that odd because I logged in 2 weeks earlier and set up the Post dated payment to pay off the balance in full on my due date. When I called in the account did not have that payment posted and the late fee was billed. I called in and paid off the balance in full ( like I have done every month since opening the card ) and asked for the late fee to be removed. The agent refused and said that a manager couldnt fix the issue either because her system determined I wasnt eligible for the removal. I informed her that I set it up online through their system and the payment didnt post so this is a bank error not mine. She said there was nothing to do. I asked for a complaint to be submitted and requested a return phone call back with the resolution. She said that department cant be reached and doesnt return phone calls. As of today I still have not been reached out to

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
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: Was not notified of investigation status or results

Complaint:
I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus XXXX, experian and XXXX to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature. Please see attachments for the list of fraudulent ACCOUNTS and INQUIRIES.

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