BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-18
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In the attempt to fix my credit. I have had items removed and I also had items added to increase my score. I'm filling this dispute with you. Because my score is not being updated properly by the following bureaus XXXX and Experian. I have made arrangements for student loans to be removed from my credit and they are removed on one bureaus and not the others. I have also added lines of credit to my credit and again there only reporting on one bureau not the others. I have reached out to each individual bureau and they all have not been able to give me and answer for what's going on. On XXXX it shows all of the credit lines I have added to my credit. But it doesn't show the removal of the student loan and the other to site that don't show the lines I added but they show the removal of the student loans. I am very frustrated because I have put a lot of time and effort into trying to repair my credit and it seems to no avail. Can you please help me resolve this matter?

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 2023-12-06
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2022-12-28
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 belongs to someone else

Complaint:
XXXX XXXX  Credit Card is showing on my credit report that I opened it XX/XX/2022 and that I did not spend money until XXXX 2022 and that I am 30 days late in XXXX, 60 days late in XXXX, XXXX  in XXXX and 60 days late in XXXX. I have never heard of XXXX. I have also never had a XXXX  credit card. I did not open a credit card other than a XXXX XXXX 2 different times with my XXXX XXXXXXXX XXXX. It was not me who requested a report for that XXXX  back in XXXX. I have also never been contacted by XXXX in regards to needing to pay anything. This is 100 % not my account. I contacted XXXX and they said they would reach out to me. I havent heard from them. I did contact Experian to file a fraud report and will be contacting XXXX and 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 2022-06-17
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-12-28
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: ALLY FINANCIAL INC.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Numerous repeated calls every day. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX Ally Financial. Pre-recorded message each time, Very quick talking and not understandable at all. I believe I can understand they are looking for someone with same last name, who we don't know. 

Attempted to contact Number and asking for account number, which we don't have because we don't have an 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 2022-10-26
Company: REGIONS FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
My sister and I inherited irritated my mom and dad 's trailer park. My dad passed away in XXXX my mom passed away last XXXX. We have XXXX mobile homes and its been a struggle getting them in our names. XXXX mobile homes are showing liens on them. The three mobile homes also were purchased through 2 banks that have changed names and or gone out of business. 
These 3 homes are over 30 years old. We just need titles so we can retitle them in our names. The taxes have been paid for the last 30 years by our mother. When my sister became the executor of the estate in the state of Va. The homes went in our names where taxes are concerned. But DMV its a big mess. I have VIN numbers, models and sizes of homes. I have contacted FDIC they helped me locate the banks that have the liens but noone seems to want to help. 
I can't talk to a person everything is automatically sent to online automation. 
So here is the information : : XXXXXXXX XXXX XXXX XXXX VIN number XXXX The original bank was : XXXX XXXX XXXX XXXX XXXX in XXXX Va. Address was XXXX XXXX XXXX 
FDIC told me the bank that took over is XXXX XXXX Regions Bank out of Alabama XXXX XXXX. 

Second mobile home : XXXX XXXX XXXX number : XXXX The original bank was XXXX XXXX XXXX XXXX XXXX 
This bank changed its name back in XXXX to XXXX XXXX XXXX XXXX XXXXXXXX. Address : is the same XXXX XXXX XXXX XXXX VA XXXX. 
The Bank that took over is XXXX XXXX Regions Bank out of Alabama XXXX 
XXXX The 3rd mobile home : XXXX XXXX, VIN number XXXX. 
The original bank is XXXX XXXX XXXX. In XXXX Va. 
The bank that took over was XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Out of XXXX NC.

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 2023-12-06
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
American Express received the full payment 2 days after the due date XXXX, XXXX. The full amount was {$140.00} and American Express sent me a statement Fee Late {$40.00} + interest {$2.00} I didn't receive the mail to my home. that is why the payment went 2 days behind. I have been a loyal customer for 15 years. I always paid in full. In the past American Express removed the late fee. Since the customer service is out of the country notice they don't have empathy with citizens. I asked them to remove the late fee of {$40.00} and the interest of {$2.00} and they denied my request. It is not fair. I always paid in full. 
I'm a hard worker and any pennies count. I want to submit this complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Westlake Services, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Company communicating payment assistance or payment extension options

Complaint:
I purchased my car on XX/XX/2023 I have been having problems with my car from the time I purchased it with mechanical problems now the business has closed. I'm still having problems with my car and the warranty doesn't exist anymore now the want to come and repossessed my car

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Incomm Holdings Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/XXXX I purchased a XXXX gift card XXXX XXXX loaded on it bought XXXX XXXX  XXXX card. Instantly the website is hard to log in the call center call drops after the options. Later that evening I was able to log in. And see a purchase that I did not make of XXXX from an unknown vendor. 6 : hrs later and 130 min wait time I was able to put a hold on the card and was told the pending charges were gon na be dropped by the vendor and 10 days I would be credited. 15 days I call the center hold. No record of my complaint was told to check my gmail for a complaint form it was never sent. I believe that securespend is a clandestine company with a made to confuse web log in. And a call center also difficult and they are counting on you loosing patience and not getting your money back. I would like to know why " XXXX  '' is such the opposite of secure. I needed that XXXX XXXX I still do and would like it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was granted a modification to begin on XXXX with 3 trial payments to be made. I made payments payments in XXXX in which they were said to have been returned for insufficient funds. I contacted XXXX XXXX XXXX XXXX and XXXX XXXX several times a week over the month of XXXX regarding this matter, beginning on XX/XX/XXXX. I sent in EVERYTHING that was available to me from my banks as proof of payment, but was still told that no payment was received, which my bank states that they received it and provided Fay Servicing a copy of the endorsed check, transitional statement and wire transfer document. I was provided with a perm mod agreement and mailed back in, in which Ms XXXX states was received. On Friday XX/XX/XXXX I was told by XXXX XXXX of Fay Servicing LLC that my payment was received and the payment dept tracked the payment and my payment was indeed posted. On XX/XX/XXXX I received a call from Ms XXXX, stating that my payment ( the bank wire ) was received but was returned for insuficient funds. She advised me that my perm mod agreement was received and I was all good and could make my XX/XX/XXXX trial payment anytime during XX/XX/XXXX. She stated that the modification agreement that they offered was rescinded and there is no longer an agreement. She advised me to forward her something from the bank reflecting payment was actual a wire and not a check and she will have it researched with no guarantees that they will be willing to resume modification agreement. She advised me my next step would be lifting the foreclosure hold and proceeding with a foreclosure. I have done ALL of what was asked of me provided everything attempted to make several payments and I keep being told they have been returned for insufficient funds when my most recent payment was a wire from my credit union.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: EQUIFAX, 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:
I am writing to dispute a fraudulent charge on my account of {$25000.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX with ACCT # XXXX  opened on XX/XX/2017 with a credit limit of {$25000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01
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: Investigation took more than 30 days

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 2019-01-24
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:
I am writing to dispute a fraudulent charge on my account of {$25000.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a credit limit of {$25000.00} -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 explanation
Consumer complaint received 2023-06-23
Company: Even Responsible Finance, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
The Even app is a mobile app run by XXXX. They offer services such as savings accounts and payday advances which are deducted directly from your paycheck as per their agreement with an employer. In this case, my employer is XXXX. An employee is allowed to borrow against their future paycheck and the deduction will be reflected on the following pay period. For the past 2 weeks, Even has experienced technical glitches which did not allow those deductions to take place. For my pay period ending XX/XX/XXXX a deduction in the amount of {$940.00} was supposed to take place and it did not. After speaking with Even support, I was assured that the issue was resolved so I borrowed from myself again in the amount of {$340.00}. Now for my pay period ending XX/XX/XXXX neither the {$940.00} or the {$340.00} was deducted. I was told again that this money will be taken out of the next pay period. Unfortunately, this puts the grand total at {$1200.00}. My check will not cover that amount which means that this company will deduct my entire paycheck leaving me with zero for at least 2 weeks. I know that with garnishments, a company can not take more than 25 % of an employees take home pay and although this is probably not considered a garnishment, perhaps leaving a person with a zero balance on their paycheck is unethical. I have informed Even that this has caused a financial hardship on me as my rent is due on the time in which they plan to leave me with no money. Although it was their company 's fault, Even has not offered any reasonable solutions. As per my employer, there were 998 people affected by this. That's 998 lives affected. 998 people who will work and go without a paycheck for 1-2 weeks. I tried offering them a payment plan and they said they need full payment. They just do not want to work with me towards a reasonable solution. I have informed them that as of XX/XX/XXXX I officially revoke my authorization to deduct an money from my future paychecks. I can only hope they acknowledge and obey this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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 the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section states that 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states that 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 2023-07-17
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Frontier Member # : XXXX This complaint is regarding frontier promotion with Barclays credit card. My offer was to get XXXX points with XXXX XXXX yearly fee after {$500.00} purchase. Link below I have applied for card XX/XX/14 and finished purchases by end of XXXX and XXXX point was rewarded in second week of XXXX. 
XXXX XXXX XXXX XXXX As per document at the time of complaint.. elite statusXXXX was supposed to be with XXXX points. 
XXXX XXXX XXXX XXXX  As per offer on credit card page there is no difference mentioned about normal point for elite status vs bonus point for this offer and its giving the impression by earning XXXX points.. you will get elite status, however when contacted agent mentioend these are different points and you have to make that much purchase to get elite status and these XXXX points doesn't count for elite status. 
No where on credit card page its mentioned about this point not considered for elite and details are given on page about elite status give impression about earning that only. 
Its clear case of false and misleading advertisement and fooling the customer. There customer service is not able to provide any documentation on difference between points stated in offer page. its a scam to get ppl apply to credit card Given screen shot of offer

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