BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-08
Company: EQUIFAX, INC.
State: SC
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 several inquiries that were not obtained with my knowledge or permission. I tried to get the credit bureau to look into it after I received a letter from the company I called the company who stated it was a soft pull and should not have shown on my report and referred me to the credit bureau. Dates were XX/XX/2022 and XX/XX/2022 by XXXXXXXX XXXX Also 2 more inquiries came from XXXX XXXX. 
There are 8 plus collections on my report as well They state they are open but are in collections with a collection agency. I have exhausted all avenues with the credit bureaus but they ignore me and report they are correct after 3 days. I have several names and addresses, credit accounts etc that are not mine. I am a victim of identity theft and the credit bureaus are not helping.XXXX is refusing to give me a report of any kind. The others are not truly investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 a Natural person and a consumer. Please do not close this complaint stating it is not me filing it. On XX/XX/2022 I mailed Transunion an FTC Identity Theft Report. Because I am a victim of Aggrevated Identity Theft. I pulled my credit report on XXXX XXXX and it was not reporting. It had been deleted. I pulled my consumer credit report on XXXX XXXX Transunion has reinserted the XXXX account. First off Transunion is in violation of 18 USC 1028A for aggravated Identity Theft for furnishing this alleged account to my consumer reports that has not been validated. Transunion is in violation of 15 USC 1681i ( a ) ( 5 ) ( B ) ( ii ) any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I was never notified in writing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30
Company: Experian Information Solutions Inc.
State: VA
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:
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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items 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 deletion due to inaccurate reporting in my file. 
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 2022-03-08
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/XXXX : call XXXX to make payment/ the automatic service gives you an amount and past due date. We consumers PAY what we hear. Then next month a bill with past due fees! On XX/XX/XXXX I called to pay bill. Again give me an amount with past due date so 1/ manager XXXX is telling me that she is not able to give REAL amount due with interest at this time and the amount due is the one given by automated service.therefore I will be billed a late fee plus interest.not able to give me real amount to end those late fee and interest. 
2/ the XXXX store will not accept an amount more then what we hear over the automated service.therefore the cycle repeats and late fees and interest next bill I am making a complaint about undisclosed real amount due and taking advantage of consumers with these above procedures

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Experian Information Solutions Inc.
State: VA
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-02-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX : I called Wells Fargo to have them close XXXX of my smaller bank accounts, one of which I believe is currently involved in a lawsuit. Instead of closing the XXXX small accounts, Wells Fargo made a 'mistake ' and closed my main bank account which has many automatic payments attached to it. I have had this bank account since XXXX. I called Wells Fargo, and they said they were not able to reopen the account, and would need to investigate. My wife also went to the local Wells Fargo branch to explain the 'mistake " Wells Fargo made, and was unsuccessful in her attempt to reopen the main account. My wife and I both lost several hours of work, trying to work with Wells Fargo to fix their error. In addition, we are having spend time to change automatic payments to another account. 

This has caused much financial and emotional distress for us. It is such bad business practice that Wells Fargo can make a mistake and close a bank account immediately, and not be held accountable to fix their error. 

XX/XX/XXXX : I received an email that Wells Fargo is working on the problem, and would contact me within 10 days. It's amazing how they can disrupt our lives in a second, yet take 10 days to look into whether they can fix it or not.

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 2021-08-21
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The company sent a letter months back stating I owed them money at which time I called and informed them they needed to contact my attorney as this was settled in bankruptcy. I get another letter today dated XX/XX/XXXX that I have until XX/XX/XXXX to pay them {$7700.00} remaining on the debt. This account was closed in my bankruptcy and it is against the law for them to be contacting me at all in regard to paying any remaining balance on this account. I have already told them once before that they needed to contact my attorney and they have ignored going that route. My bankruptcy was finalized as of XX/XX/XXXX and the vehicle is still taking up space on my property. I converted to CHXXXX in XX/XX/XXXX and they had ample amount of time to say anything to my attorney as well as come and pick up the vehicle. It has been sitting on my property taking up space and getting in the way for 10 months now and I am well within my rights to file a petition with the court to collect fees up to {$10.00} a day for rental space on the property. I will plan on proceeding with this within the next 30 days if I don't hear anything back. I am sending a copy of the letter from Jefferson to my bankruptcy attorney as well as he is within his rights to pursue any legal ramifications in regard to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been in contact with this company and have asked that they remove this account from my credit report. This account is currently in a lawsuit and by law must be removed until this matter is settled. I have I identified below the laws regarding this issue. 

ACCOUNT NAME- BRIDGECREST ACCT # XXXX 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 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Experian Information Solutions Inc.
State: TX
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-12-17
Company: CITIBANK, N.A.
State: NH
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:
On XX/XX/XXXX we purchased a trip to XXXX all-inclusive through XXXX we charged {$2400.00} on our LL Bean Mastercard credit card ending in XXXX. The trip was for XX/XX/XXXX thru XX/XX/XXXX. XXXX came and the pandemic had just started to hit, we called XXXX on XX/XX/XXXX about cancelling and they told us we would lose our money if we cancelled because the hotel had already been paid but we could contact the airlines about reimbursement for the flight. We had spent {$5000.00} total on this trip, we put half on another credit card and then {$2400.00} on the LL Bean mastercard, we didn't want to lose all our money so we decided to go thru with the trip as there was no travel restrictions to XXXX at that time. We flew down on the XXXX arrived at airport where we were supposed to get a ride to the hotel and we were told that XXXX went out of business and never paid the hotel and so if we wanted to stay we had to pay a second time for this trip ( Another {$5000.00} ) we did not have that money. They brought us to the hotel and as I was arguing with the hotel, my son called and said the state department had ordered all american citizens back into the country, so we paid for the hotel that night and flew back the next day. The other credit card company refunded our money immediately when we notifed them of how we were ripped off by XXXX. However I have made numerous telephone calls and written twice to LL Bean Mastercard and they keep saying I would have to had disputed this charge within 60 days in order to get reimbursement. I asked how I could do that when the trip was more than 120 days later and they will not reimburse me. I thought Mastercard had a policy that trips are not included under the 60 day policy because people book trips a year in advance sometimes and it would mean that most people 's trips would not be covered. This was our XXXX anniversary which was ruined and since getting back, we literally spent 23 hours in XXXX, we are essential workers and have been working nonstop, we would appreciate some assistance with this. At this point the company is not even responding back to me. I have all paperwork to back this up.

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 2022-02-08
Company: JPMORGAN CHASE & CO.
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:
there was {$1200.00} charged by XXXX on XX/XX/2021 from my credit card and the same amount from my husband 's card on XX/XX/2021, I disputed the double charges transaction with chase bank, they put temperate credits back to my account. On XX/XX/2021 there were rebill charges of {$1200.00} from my account, they said it was valid transaction so I re-disputed it for this charge, until today the merchandise still did not receive the return of chargeback as well. on XXXX XXXX the dispute letter from chase bank confirmed it was a valid transaction and I do not qualify for full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was in debt with XXXX. On XX/XX/2019 I contacted XXXX to settle my debt. They agreed to settle for {$100.00}. I made sure to receive an email stating they the account was in fact paid in full from the representive prior to disconnecting. Once I received the email, I disconnected. This past week ( XX/XX/2019 ) I received a letter from a new collections agency stating that I still owe the debt to XXXX and that they are trying to collect the funds from me again. I contacted the new collections agency letting them know that I have proof that I do not still owe the funds and that it was paid. I also contacted XXXX with the same information and emailed them a copy of my bank statement along with the email that stated my account was closed in full. The new collections agency stated they can not stop this account from reporting to the bureaus and that XXXX has to pull the account from them to stop further action.

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 2023-11-14
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I send them messages, emails, calls dozens of times over the past few months but never get any responses. I am trying to get confirmation of my auto-pay on my student loan, however it is not showing after trying to submit many, many times.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-14
Company: EdFinancial Services
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I sent a {$9000.00} check to Ed financial to pay towards a student loan and it was cashed on XX/XX/23, Ed financial has an entry in the system under my loan on XX/XX/XXXX for XXXX dollars. I have called three times and talked to people who can barely even tell me whats going on with the account. So I sent the letter that is attached below to Ed financial two weeks ago and I havent heard anything. My account # XXXX, my name is XXXX XXXX. All other details are in the letter below. Please feel free to call me at ( XXXX ) XXXX for more details. 

Thank you, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-04-29
Company: Cordoza & Wexler Recovery Services
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I filed a complaint last XX/XX/2018 against this same company claim number XXXX Today I received this message below : " Hello, once again, this is XXXX XXXX what I attempted to serve you at your residence and your place of employment to gain your signature in regards to the legal documents. However, I was unsuccessful in doing so now, I am obligated under these documents as a director if you will be fine at this point the process will continue without you if you wish to stop any and I'll proceedings please contact the filing party at XXXX. Please reference account number. '' They called from a cell phone XXXX. I called the number and got a message that it was Cordoza and Wexler again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My mortgage company has reported my mortgage account to all three major credit bureaus. Out of which XXXX and XXXX has reported my mortgage account on their credit reports. 
Experian on the other hand had failed to respond to the request of legitimate financial company who held my mortgage account resulting in missing my mortgage account in their 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 2023-01-14
Company: Aqua Finance, 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:
I purchased a home improvement project from XXXX XXXX on or about XXXX, 2022 and was told that the project would cost around {$17000.00}. that I could pay over a 5 year period. 

Subsequently I received a statement from Aqua after the project was complete informing me that the actual total was around {$29000.00}. 

I contested this and my requests to clarify and correct have been ignored and Aqua is reporting the account to credit agencies as " delinquent '' rather than possibly " fraudulent ''. 

As a result, other creditors that I am in good standing with are reducing my credit limits and further damaging my credit standing ( score ). 

In summary, the company that sold me the project ( XXXX XXXX ) misrepresented the terms/price, ( {$17000.00} ) then sold the paper to Aqua which is now attempting to collect {$29000.00} and perpetuating what appears to be an attempt to defraud me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
There is a hard inquiry on my credit check that is with XXXX XXXX XXXX XXXX  and I never inquired.

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 2018-02-11
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
All three reporting agencies refused to correct information on false addresses and false credit information.

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