BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-05
Company: BBVA FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, Georgia XXXX Loan Number : XXXX Re : Hardship/ Payoff XXXX XXXX XXXX XXXX XX/XX/XXXX &XX/XX/XXXXTo  whom it may concern : I would like to say first ; thank you for reading this letter. 

Im nearly XXXX years old and unemployed. I wanted to reach out to Management and explain my situation. Im divorced from the co-borrower, I have no children, and have been on XXXX for the past 11 years, basically, trying to make ends meet with my only 1 source of income now. 

Ive had to move in with a friend. I asked friends and family for help to pay off this car. However, due to the COVID-19 virus, as we know, people are losing their jobs daily. The maximum I can get from friends/family is {$3000.00} ... 

If agreed, kindly mail me an agreed pay-off letter to the address above ( XXXX XXXX ) and I will have a Cashiers Check to be sent to you immediately, then my title for the car to proceed thereafter. 

Im humbly begging, pleading with BBVA/Compass Bank to accept a settlement of {$3000.00} to settle this car. 

I received a call from XXXX on XX/XX/XXXX. She lied to me and stated we dont do settlements, but I can give you some other options. I advised her prior to my sickness, I was a XXXX XXXX and XXXX and Im quite familiar with what can and can not be done. I also advised her I was going to file a complaint and reach out to the Corporate office directly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
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: Account information incorrect

Complaint:
XXXX XXXX XXXX is illegally re-aging a debt to make it appear more recent that in it is. The original delinquency date was XX/XX/XXXX ( see attachment ). They are reporting the collection open date as XX/XX/XXXX and updating the date of last activity every month to make it appear more recent than it is. This is a clear violation of the FCRA and is illegal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: PA
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:
On XX/XX/XXXX I filed a dispute regarding an account on my credit report and identity theft and the said information ( achieve personal loan ) was blocked. Enclosed is a credit report sent to me on XX/XX/XXXX without disputed information on it ). On XX/XX/XXXX I pulled my credits report again and said disputes information ( achieve personal loan ) was inserted back on my credit report without my knowledge or being notified as required under 15 USC 1681i ( 5 ) ( B ) ( ii ) and ( B ) ( iii ), ( i ) ( III ) ( II ). Experian has violated my rights the FCRA on several occasions.

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 2023-04-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XXXX at approx. XXXX XXXX  XXXX I attempted to contact Equifax to lift a security freeze on my credit account so that I could apply for a credit card with my financial institution ( I was required to un-freeze my credit with all 3 credit reporting agencies before applying for this credit card ). I was unable to do this online at Equifax- got message " can not perform this action at this time ''. Then I called Equifax and went through their lengthy automated questions and when attempting to un-freeze via automation ( message was that I could not do that at this time ) I was forwarded to an agent. This happened 2 times and was immediately hung up on when I reached an agent. Finally on the 3rd attempt I did reach an agent. They told me that their system was down and they could not do anything via phone or email and to 'try again tomorrow '. 
THIS IS NOT ACCEPTABLE! We are held XXXX by these 3 credit reporting agencies ( Equifax, XXXX and XXXX ) and because of that they should HAVE to provide excellent and prompt customer service. Systems being down is not acceptable. I believe that if a user is attempting to unfreeze or freeze their credit and the company 's system is down then they should have to reimburse us for our time and inconvenience. I spent XXXX minutes on this whole fiasco and I still have to try again tomorrow. What's the guarantee that their system will be working tomorrow? 

I mean, Equifax already had a data breach several years ago that cost customers time & money. Why are they still allowed to be in business with this horrible customer service?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
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:
There are 13 accounts on my credit report that do not belong to me they are not mine do not belong to me I have not taken responsibility for these and I should not pay or be held responsible for this. I have opened an FTC for this. 

Account Name : XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF EDXXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF EDXXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF EDXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account XXXX Reason : This is not 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 non-monetary relief
Consumer complaint received 2022-12-19
Company: Experian Information Solutions 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:
This account balance is showing up incorrect on my report and this needs to be updated or removed asap. 

Account name XXXXXXXX XXXX XXXX  XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XXXX  Status Paid, Closed. {$2.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$500.00} Highest balance {$2900.00} Terms NA Payment history 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  Current on payments XXXX  Charge off XXXX  No data for this period Payment history guide Charge Off as of 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

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 2020-08-05
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I called Citibank on XX/XX/2020 to try stop my automatic transfer from checking to savings account. I was put on hold for 30 minutes rep said he was going to be right back and got transferred to another agent. I already went through the verification already with first agent so I asked to supervisor regarding the matter he gets attitude saying I dont know how to do it on mobile app. I explained to him I have XXXX he gets attitude. I told him I am reporting you guys to cfpb and he hangs the phone up on me.

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 2018-05-09
Company: WELLS FARGO & COMPANY
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Wells Fargo Financial would not let my Brother make payments for me or let me give him my power of attorney when I was in the hospital and in rehab centers. He talked to XXXX XXXX at the Wells Fargo Executive office XXXX and to XXXX XXXX XXXX And they refused to help him in any way shape or form. and all of the calls were recorded from what my brother told me. Also because of it I did have late fees because they would not let my brother make payments for me. And the dates were XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My monthly payment is {$150.00}. And they were charging me {$250.00} to {$300.00} for late fees. And they refused to reimburse me for them. I would now like for my loan to be closed out and paid off without me having to make more payments on it. From my records I show that I still owe around {$3000.00} dollars.

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 2018-04-07
Company: CITIBANK, N.A.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
3 or 4 yrs ago I signed up for phone service with a company called XXXX XXXX. It was a one time charge of {$110.00} and you would have phone service for life. It never worked. I called several times, sent emails all unanswered. On the bill for my Citi Bank card dated XX/XX/XXXX-XX/XX/XXXX their is a charge for {$110.00} from XXXX XXXX that I did not authorize. In my discussion with a Citi Bank rep I said I wanted to dispute the charge but was told " since I gave them the credit card number I would have to pay it ''. The Citi rep also stated that XXXX XXXX made two attempts at a charge on XX/XX/XXXX, one of which went through, another attempt on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. As with second attempt on XX/XX/XXXX the attempts on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were denied. So her is the question Citi could not answer. What makes the first charge on XX/XX/XXXX valid and the rest not? Also when Citi obviously recognized these were fraudulent charges why did they not reverse of stop the first charge made on XX/XX/XXXX? Lastly at no time did Citi contact me that fraudulent activity had been detected on my account. I have since closed the 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 non-monetary relief
Consumer complaint received 2023-08-18
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:
When I reviewed my credit report. I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 
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 2021-05-13
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, XXXX, Experian. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.

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 2022-08-17
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Last year I opened what I thought was a BJ 's store card. I rarely used it, and did not know it was a credit card. I was not planning on renewing. 

In XXXX, 2022 I get a statement that I owed a {$58.00} renewal charge. Still not realizing this was a credit card. I planned to go to the store when I was in XXXX and tell them I wasn't renewing. 

In XXXX, I get another statement, this time with a late fee and interest. I now realize that the card is a BJ 's Comenity Mastercard. I called Comenity and tell them I didn't want the card and was disputing the charge. They tell me the late fee couldn't be reversed until BJ 's reversed the renewal fee. I called BJ 's and they reversed the renewal charge but said it would take 2 months to process. 

In XXXX I get another late fee and interest. In XXXX the renewal fee is reversed but I get charged another late fee and interest. In XXXX I get another late fee and interest. 

I was able to reach someone at Comenity Bank who put me through to their Collections Dept. They told me to pay the late fees. I argued with them and the representative, XXXX, said she couldn't do anything but would escalate. In the meantime my credit has been hurt. 

I put messages on the internet page for this credit card. Finally someone answered the message and again told me I was responsible for paying the late fees and interest which are now up to {$150.00} because I didn't pay timely. 

I tried reaching Customer Care and was on hold for 45 minutes last night and finally hung up. This afternoon I tried and after another 45 minutes on hold I hung up. Then I tried a different phone number and was on hold 15 minutes when the system cut me off. It is almost impossible to reach these people. 

I am reading online what a scam operation these people are. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: FL
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 Account # XXXX has violated my rights.

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
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:
The moment I received the duplicate of my report that I purchased with XXXX I immediately called your department since I saw some UNVERIFIABLE items on my personal profile. I discovered that there were CHARGE OFF and COLLECTION accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud items on my credit report all this time as well as this incorrect information on my personal profile on my personal profile but still youre not taking any actions. I have never with these items listed below, so please help me remove these charge off and late closed accounts. A copy of my Utility Bill, drivers license, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX XXXX 
Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Drivers license, SSN and current Utility Bill as verification of my ONLY address. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: EQUIFAX, 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:
Multiple times I have shown the bureaus how they are violating the Fair Credit Reporting Act, when it comes to my credit report I am exhausted with trying to come to a resolve According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate Someone needs to hold them accountable for this Following accounts XXXX XXXX XXXX  XXXX XXXX ( NO ACCOUNT NUMBER REPORTING SEE ATTACHED 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions 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: 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. I told the Experian, XXXX, and XXXX to reinvestigate these 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 2023-04-13
Company: EQUIFAX, 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 am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: EQUIFAX, INC.
State: VA
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:
On XX/XX/2021, I wrote in requesting an investigation into items that I believed were Inaccurate and misleading information,. As mentioned in my previous letters I am a victim of the Equifax data breach and no more than ever I believe my information has been compromised. To date, over 60 days later I have not received a reply or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. I anticipate a timely response with the resolution of this unfortunate matter.

Company response to consumer: Closed with explanation