BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-17
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:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress  you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2021-07-10
Company: Experian Information Solutions Inc.
State: MD
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 have been trying to get XXXX  snd experian to delete an alleged debt placed on my credit report from XXXX  XXXX XXXX for months. I have filed an ftc report and wrote letters. Now the account is reporting open on XXXX  and remains on Experian. This is inaccurate and misleading with is a violation of my consumer rights

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-15
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: Account status incorrect

Complaint:
On XX/XX/2018 XXXX filed a complaint against me in the Superior Court of California , County of XXXX XXXX. Case Number XXXX. 

They contacted my employer numerous times harassing human resource department, threatening to visit my employer. 

They sent someone by my employer and tried to serve me at my place of employment twice. They actually served papers to my human resources department. 

The continued their harassing calls to my employer and this cause undue hardship with my employment and threatened my employment. I could of lost my job. It did do damage to my reputation as a XXXX and for this I am marked by employer as not being financially stable. 

Fair debt collection practices laws were violated and I am seeking a correction. 

I went to court and paid this bill in full. This bill was not charged off but paid in full. 

I want this account totally removed from my credit report. I paid over the amount that I borrowed. I called the company and tried to work out a pay off of the account, but when I called they would not take allow me to pay off the account. Then the collection activity started. I have proof that envelopes were sent to my place of employment : XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. They addressed the envelop to my employer so they would open it and read it and know all my personal affairs of this loan and the complaint that was filed in Superior Court. 

This is a direct and planned strategy of XXXX and should not be tolerated.

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 2023-07-13
Company: Experian Information Solutions Inc.
State: MS
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:
You have recently checked my credit report and seen some inquiries I did not authorize : XXXX XXXX XXXX ( Experian ) 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 2022-10-10
Company: Experian Information Solutions Inc.
State: PA
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 received a text alert about a change in my credit file from Experian XXXX. I immediately went to my credit report and discovered a credit line for {$1700.00} with XXXX - opened on XX/XX/22. I have not applied for credit with this company and do not know who they are. I searched for a number to call and found the number and called continuously to speak with someone about this. I get the following message : Welcome XXXX XXXX. Your call will be answered by the next available representative. It then makes one beep and repeats welcome to XXXX XXXX  we are not available to take your call, please left a message and we will return your call during our normal business hours. I first time I left a number and a message. Never received a call back. I called continuously yesterday and today. Will the same message. No one answers the phone. I am very concerned because someone open credit for {$1700.00} in my name that will not be paid because I do not know this company and did not apply for credit with them. In searching the web, I also discovered that they have a mobile app and are located in XXXX. I am in 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 2020-04-14
Company: MOHELA
State: NV
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Mohela 1. Second installment on this loan was late by one day, company change loan repayment schedule, and called the account delinquent ; without my consent. 

2. Company has changed interest rate and repayment schedule on fixed rate loan ; again with no notification or consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: EQUIFAX, INC.
State: TX
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:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: OH
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:
On XX/XX/2023 I sent letters to Experian ( tracking number # XXXX ), XXXX ( tracking number # XXXX ) and XXXX ( tracking number # XXXX ) directing them to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681 : I have the right to privacy, and according to 15 USC 6802 : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated XXXX party any nonpublic personal information. 
These are clear violations of my federally protected consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
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:
Experian is currently violating the FCRA. They refuse to do a sufficient investigation into an inaccurate account ( Bankruptcy ) they are reporting on my credit report. They have misrepresented the furnisher of the inaccurate information, as verifying the alleged account. On today, per the FCRA I am requesting that they provided the method of verification used to verify this inaccurate account as 100 percent accurate and complete. I am sending this verification request overnight via XXXX. Experian will receive on Monday and tracking will show proof of receipt. I included a copy of my drivers license and passport for identification purposes. 

Experian will have 15 days from the receipt of this request to provide me with their method of verification used to verify this account. Per the FCRA if they fail to do so they must delete the inaccurate account 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 explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: OH
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:
Id like to have the old inquiries removed some are double as if the companies ran them twice without my consent some are old past the dates as well.

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 2021-07-10
Company: RS Clark and Associates, Inc.
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 was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Genesis FS Card Services, Inc.
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Destiny Credit card owned by XXXX XXXX  has taken XXXX $ from me on XX/XX/XXXX. They have not applied this balance to payments due and continue to charge me interest and late fees. As of today XX/XX/XXXX my account has a negative balance. They stole my XXXX $ they also report late payments to my credit report when the payment was never late. They just held onto it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Moneytree Inc
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I updated my bank account to XXXX XXXX XXXXXXXX checking account, I updated the account with them and let them know I no longer got XXXX  and they send the money to the wrong account I asked them to stop the transfer I spoke to the service representative and they say nothing cant be done. So I am upset that they refused to stop the transfer and even after telling them that I now bank with XXXX  XXXX they send the money to the wrong account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Comenity Capital Bank, which issues the XXXX store credit card, had an account listed on my credit report that was fraudulently opened in my name. On XXXX, I received a letter from Comenity Capital stating their investigation determined the account was indeed fraud and they would send a letter to me and to all 3 credit bureaus stating this account needs to be removed from my reports as it is fraud. Comenity Bank confirmed my account was closed and also stated there is a credit balance of {$82.00} that will be issued in the form of a check and mailed to me within a week to bring the balance to {$0.00}. I received the check. I also mailed a copy of this letter to all credit bureaus to ensure they received it as this account is derogatory and negatively impacting my credit. 

On XXXX, I called XXXX at XXXX, as I noticed this account was still appearing on my credit report and was showing inaccurate account information from XX/XX/2022, never properly investigating initially clearly, leaving the date verified space blank. XXXX advised me to call XXXX even though XXXX confirmed they had the letter from Comenity in my file to remove the account?! And didnt?! XXXX inaccurate information being reported for this account are 1 ) they report it as open 2 ) they report as having never been disputed 3 ) reporting a balance owed of {$250.00} 4 ) reporting the past due amount of {$64.00} 5 ) charge amount in the high column is credit limit. 

On XXXX I called the Account Protection Team at Comenity Capital Bank at XXXX, and spoke to XXXX re : the account still appearing on reports and account information not being updated, again causing huge consequences for credit dropping due to no fault of my own. She reviewed my account and confirmed the account was closed and the balance was {$0.00}, but said couldnt do anything or send anything over to the bureaus at this point to update the inaccurate info that was being reported. She referred me back to XXXX and advised me to open a dispute with them, then they would verify with them and the account would be updated. First, no I already did this, and didnt happen. Second, that is absolutely not the responsibility of anyone else but Comenity to report and provide accurate information, and not only did they not, but they refused to take the steps needed to ensure the bureaus were accurate. Instead, it was blamed on the bureaus. 
I am including the letter that was mailed to me and sent to the bureaus stating to remove this account as it is fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-10
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I checked my personal credit report, which I acquired from Experian. I noticed unauthorized inquires on my credit report, legally these unverified and unauthorized items must be removed according to the FCRA. There was an unauthorized inquiry from XXXX XXXX XXXX XXXX on XXXX XXXX, there was an unauthorized inquiry from XXXX  XXXX XXXX XXXX on XXXX XXXX, there was an unauthorized inquiry from XXXX XXXX XXXX, and on XX/XX/XXXX, there was an unauthorized inquiry from XXXX  XXXX  XXXX on XX/XX/XXXX, there was an unauthorized inquiry from XXXX XXXX on XX/XX/XXXX, there was an unauthorized inquiry from XXXX  XXXX XXXX XXXX on XX/XX/XXXX, and there was an unauthorized inquiry from XXXX on XX/XX/XXXX. I want these inquiries removed 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 explanation
Consumer complaint received 2023-04-27
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I went to XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX. Upon arrival, I went as a walk-in and spoke with the salesperson by the name of XXXX. Went through the process of picking the vehicle and test drive and filled out the paperwork. The vehicle that I chose is the XXXX XXXX XXXX XXXXXXXX with XXXX Package. Stock : XXXX VIN : XXXX. I informed the salesman that I was there to make a consumer credit transaction and that I was putting XXXX dollars down as it wasn't required to do so because my transaction was a CCT consumer credit transaction I also informed the gentleman that I was well aware that I am the original creditor, and I shouldn't be denied and an extension of my own credit because I'm providing my Social Security number and my name. 
After filling out the paperwork, I asked him to submit it to the banks he did so and came back with a denial. I asked him politely to please give me the number phone number of the underwriter who denied my application. He said he can not give me the phone number of the person who ran my credit check my credit, ran my name, and denied my extension of credit. He couldn't give me the phone number so I can speak to him and find out why I was denied to perform a consumer credit transaction. I then requested the phone number once again from XXXX again he told me he can not divulge the underwriter 's phone number. I will have to wait for a letter in the mail for 7 to 10 business days which will tell me why I received a denial and that this conversation is over, and we can no longer speak any hung up the phone on me very rudely. It's clearly written that we as the consumer have the right to do consumer credit transactions, perfectly legal, which is what I am trying to do to acquire the vehicle for my family. I have a wife with XXXX kids and I need a family car. 
15 US code 1611 states whoever willfully and knowingly, yes false, or inaccurate information or filter, freight information, is required to disclose under the provision of the subchapter or any regulation is issued under. Also, 15 US code 1681 ( K ) adverse action states the term offer of credit that will be honored if the consumer is determined, based on information in a consumer report on the consumer to meet specific criteria, used to select the consumer for the offer, except that the offer may be further conditioned on one or more of the following verification.

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 2021-07-10
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My home was burglarized and my personal information was stolen along with other items from my home. I recently took a closer look at my credit report and noticed that a lot of applications has been created using my personal information that I was not aware of. Equifax stated they would remove this information but it has not been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I have been sending letters to the bureaus regarding some account reporting erroneous late notations. I have submitted complaints to the company directly and while they can acknowledge their mistakes, they refuse to help saying I have to take it up with the bureaus.Some of the lates are from my hardship due to Covid, where the bureaus so yourself have said you expect them to make goodwill efforts on credit reporting. I have received no help! So I have been sending letters but the mistakes don't seem to be clearing up. I will attach a copy of the letters sent, please fix accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, we received an alert that our account had a balance of {$13.00} and given the fact that my husband and I just had direct deposits that were made we knew immediately there was a problem. We called the XXXX number located on our card to ask the situation and we were told that there were several on-line transactions made. I got on-line to look at our account from my phone while on the phone with the Wells Fargo representative . The presentative was hard to understand as she had a very thick foreign accent and my spouse in the background was also trying to speak at the same time. Needless to say, we both were in a panic our entire account balance had been drained. We told the representative that there were several transactions that were not ours. However, upon further review we found that 2 transactions that we had reported false were in fact our charges and were legitimate. We also stated that the card was in our possession which it was and still is. However, all of the illegal or false charges were on-line charges made with a company in XXXX, IL and all within a 30-minute period in increments of XXXX and XXXX until our account was finally drained and leaving us a mere {$13.00}. While these charges were still showing as pending and within hours of them being made, we called Wells Fargo and said these were not made by us. Fast forward to XX/XX/XXXX and Wells Fargo has denied our claim and said they will not be returning the money given our past spending habits. The argument can be made that yes, we make several on-line purchases, but never once have we ever purchased gift cards and again did not make these purchases on-line or otherwise.

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