BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-24
Company: Atlanticus Services Corporation
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I saw a pending charge to this account on my account in the amount of {$650.00} Which is inaccurate because I never authorized it and no one seems to know what it is. I was at XXXX XXXX on XX/XX/2022. The office stated they could not see it in their system. 
They proceeded to print out all of my bills from their office which did not include this charge showed on my account in the app. 
I have spoken with several of your customer service employees and still have not received an affidavit they said would arrive. I spoke with XXXX on Friday, XX/XX/2022 and she said to email the signed affidavit to XXXX. I spoke with XXXX on Monday XX/XX/2022 and was told in 2 business days to receive it. My informed mail delivery service shows an advertisement postcard from XXXX XXXX is arriving today so I spoke with XXXX this morning on your chat she said it will be emailed within 2 business days. So I emailed a screen shot of the fraudulent charge to XXXX. Ive received no response. I mailed a certified dispute letter including conversations with 3 different customer service employees, with a return receipt today to their address in XXXX and the card has been locked to stop any more fraudulent charges. I just want the error fixed. Maybe it was a typo but I didnt order any services or products for that dollar amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-07
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
According to my recent credit report request from EXPERIAN there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of  the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX ACCOUNT # XXXX THE CREDITOR NEEDS TO VALIDATE THIS DEBT/ACCOUNT AND SHOW HOW THEY VERIFIED IT OR THEY MUST REMOVE IT IMMEDIATELY. THEY HAVE NOT SHOWN PROOF THIS HAS BEEN VALIDATED XXXX ACCOUNT # XXXX THE CREDITOR NEEDS TO VALIDATE THIS DEBT/ACCOUNT AND SHOW HOW THEY VERIFIED IT OR THEY MUST REMOVE IT IMMEDIATELY. THEY HAVE NOT SHOWN PROOF THIS HAS BEEN VALIDATED XXXX XXXX/XXXX XXXX ACCOUNT # XXXX THE CREDITOR NEEDS TO VALIDATE THIS DEBT/ACCOUNT AND SHOW HOW THEY VERIFIED IT OR THEY MUST REMOVE IT IMMEDIATELY. THEY HAVE NOT SHOWN PROOF THIS HAS BEEN VALIDATED XXXX XXXX/XXXX ACCOUNT # XXXX THE CREDITOR NEEDS TO VALIDATE THIS DEBT/ACCOUNT AND SHOW HOW THEY VERIFIED IT OR THEY MUST REMOVE IT IMMEDIATELY. THEY HAVE NOT SHOWN PROOF THIS HAS BEEN VALIDATED XXXX  XXXX XXXX XXXX ACCOUNT # XXXX THE CREDITOR NEEDS TO VALIDATE THIS DEBT/ACCOUNT AND SHOW HOW THEY VERIFIED IT OR THEY MUST REMOVE IT IMMEDIATELY. THEY HAVE NOT SHOWN PROOF THIS HAS BEEN VALIDATED XXXX  XXXX XXXX XXXX ACCOUNT # XXXX THE CREDITOR NEEDS TO VALIDATE THIS DEBT/ACCOUNT AND SHOW HOW THEY VERIFIED IT OR THEY MUST REMOVE IT IMMEDIATELY. THEY HAVE NOT SHOWN PROOF THIS HAS BEEN VALIDATED

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 2020-11-12
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 the past 5 months I have been trying to get Method of Verification for Account # XXXX with XXXX, Account # XXXX with XXXX XXXX, that states has been validated according to the Credit Bureaus. The dates for the requested information are XX/XX/2020, XX/XX/2020, XX/XX/2020. The only information that I received back is that the account has been updated, remains, or verified as accurate. As a consumer, I feel my rights have been disregarded and I also feel devalued. To me this matter is not being taken seriously. If the debt in fact valid I should have received the method of verification used to verify that this debt belongs to 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 2023-01-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Date opened XX/XX/ Balance {$0.00} ; XXXX XXXX Date opened XX/XX/ Balance {$0.00} ; XXXX XXXX XXXXXXXX Date opened XX/XX/ Balance {$420.00} ; XXXX XXXXXXXX Date opened XX/XX/ Balance {$0.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Experian Information Solutions 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:
I mailed a letter to Experian, XXXX, and XXXX to let them know they were breaking the law by reporting certain information on my credit report according to 15 U.S. Code 1681a ( d ) 3, 15 U.S. Code 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ) and 15 U.S. Code 1681 ( a ) ( 4 ). The 3 credit companies have been made aware of this via letter in the mail and I've asked multiple times for them to remove this from my credit report. The letter was sent XXXX, XXXX 2021. I have yet to hear from them and the items in question have not been removed. According to 15 U.S. Code 1681 ( a ) ( 4 ) - I have a right to privacy and I deem all information pertaining to me as private including the information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Experian Information Solutions Inc.
State: CT
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:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 

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 non-monetary relief
Consumer complaint received 2023-01-20
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 submitted a letter to the XXXX Credit Bureaus on XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
On my Transunion credit report it shows also know as XXXX, XXXX, XXXX, XXXX not me. 

It show Employer XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Have never worked for them Have worked for XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX Have never lived at XXXX XXXX XXXX XXXX XXXX UT 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 non-monetary relief
Consumer complaint received 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Missed payments for my XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX credit card is incorrect. I have never missed or had a late payment with the above creditors. All of my payments has been on time.

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 2023-12-11
Company: Bay Area Receivables, Inc
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
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.

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 2023-03-11
Company: Experian Information Solutions Inc.
State: OK
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:
Incorrect information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
There is way too many overdraft fees that they charged me with from 2020 to this date. Please open investigation, to see 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 2023-01-20
Company: Aargon Agency, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a medical debt that was paid. They keep calling and harassing me on a daily basis. They call and I do answer and they hang up on me multiple times a day. I asked for proof and they said they dont have to show me. Im getting tired of being harassed.

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 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I mailed a letter to XXXX, XXXX, and Transunion to let them know they were breaking the law by reporting certain information on my credit report according to 15 U.S. Code 1681a ( d ) 3, 15 U.S. Code 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ) and 15 U.S. Code 1681 ( a ) ( 4 ). The 3 credit companies have been made aware of this via letter in the mail and I've asked multiple times for them to remove this from my credit report. The letter was sent XXXX, XXXX 2021. I have yet to hear from them and the items in question have not been removed. According to 15 U.S. Code 1681 ( a ) ( 4 ) - I have a right to privacy and I deem all information pertaining to me as private including the information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I overdrafted the account because a merchant who said they would post a day later posted a day earlier than they indicated ( it was the {$7.00} transaction ). I want to get the overdraft fee refunded. Additionally, I am entitled to 3 refunds by chase a year and didn't reach that so I don't know why I can't get the fee refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX and XXXX XXXX acct # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have a 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.

Company response to consumer: In progress
Consumer complaint received 2019-01-07
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I send my mortgage payment the first or fourth of the month. My mortgage is handled by Flagstar Bank. I asked them why there is a delay in crediting my payment most times the XXXX of the month or later. I also wanted to pay by phone, but was told I had to pay a fee of XXXX dollars. I pay mostly by phone to my home bills and only one bill requires a fee of XXXX  dollar and XXXX cents. I have called them repeatly and spoke to different agents to ask if the fee can be waived and always got a negative answer. They suggest aoto debit or payment on computer site, for which there is no fee. I would like to pay my first of the month bills by phone so as not to forget the dates due. I am a vet. and XXXX XXXX years old so my memory is not how I would like it to be. If this a legal requirement all banks have, then I am satisfied, if not, perhaps this Bureau can garner some help for me. If not, I thank you for all things possible.

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 2023-06-06
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been trying to gain back full access to my name since 2017 information was leaked in a data breach and has been used by monsters ruining my credit and reputation I have to raise XXXX children as a single mother this has been a hassle and a huge inconvenience in my life being denied because strangers are misusing my information I work hard to upkeep I need this resolved immediately so I can buy a house and do my business properly without the fear of being attacked again an again please keep your personal information secure one wrong move can have you being a victim like myself to identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: Experian Information Solutions 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX  ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2021-08-16
Company: LDF Holdings, LLC
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 status incorrect

Complaint:
I took out a loan with this company called cash Aisle and I realize that The interest of the loan is as to much for me so I called a debt collection for my solution I on what I need to do about this situation. 
I was told that I could put all my bills as one and pay the company Cash Aisle back through my debt solution program i that I enrolled into to help me get out of this debt so there be no bad debt owed on my credit report. 
I found out that Cash Aisle has a negative. Hit on my Clarity credit report which I never even heard of but when I look up clarity service and found my report, there it was a Negative hit against me and I could not understand why would they have this negative hit on my report when I have paid on this account in XXXX and XXXX and have the documents to prove that I made payments on this Cash Aisle account through my debt solution program and there is no I should have any delinquency on my Clarity report and Especially when I have prove that I have been paying on this account for at less two months so why do s it on a credit report call clarity and its reported inaccurate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
Cant recall properly as it has been a long time, missed a payment as I lost my job and we had a child so wife could not go to work. Asked for extension or re finance. Instead when I woke up one morning the vehicle was towed by the bank. First thought it got stolen then after a long stress full day found out it got towed. So not only had to pay the current months also had to pay the next months payment as well as tow company. Did not had enough money as it was around {$1500.00} so had to take a payday loan that charges around 300 % APR. It was really worst time of my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation