BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX reporting incorrect payment info. Account is paid in full with no past dues.

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 2023-02-08
Company: U.S. BANCORP
State: IL
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 received multiple hard inquires from US BANK XX/XX/XXXX and XXXX of XXXX, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX BANK AND XXXX XXXX all on XX/XX/XXXX. Also there is a personal loan for {$740.00} under my account names XXXX XXXX XXXX XXXX that was open on XX/XX/XXXX. All of these hard inquires and account I did not authorize or create. Many years ago back in XXXX my purse got stolen from car that had my social security number in my wallet. Ever since I had to watch my credit and always place credit freezes. Someone has my information and been applying for these accounts that I never did. I contacted XXXX to help create disputes against the accounts, called the credit companies and placed credit freezes on all Bureaus.

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 2022-05-27
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX and XXXX XXXX XXXX I owe for not turning in the equipment I had. XXXX are the ones who sent me the return label and box so they should have that tracking information on file. I dropped the box as it said too and I left because the place was busy so I dropped it off to be returned. XXXX should have that information on file to check to see if they got the phone. I should only owe for the last bill and that is it. EQUIPMENT WAS RETURNED. ONLY WAY IM PAYING THIS ... .IS IF THEY CAN GET THE EQUIPMENT ISSUE SITUATED AND THEY AGREE TO REMOVE FROM 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 2022-05-27
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX and XXXX XXXX XXXX I owe for not turning in the equipment I had. XXXX are the ones who sent me the return label and box so they should have that tracking information on file. I dropped the box as it said too and I left because the place was busy so I dropped it off to be returned. XXXX should have that information on file to check to see if they got the phone. I should only owe for the last bill and that is it. EQUIPMENT WAS RETURNED. ONLY WAY IM PAYING THIS ... .IS IF THEY CAN GET THE EQUIPMENT ISSUE SITUATED AND THEY AGREE TO REMOVE FROM CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts from my credit report : XXXX XXXX XXXX*Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$8200.00} XXXX XXXX XXXXXXXX XXXX XXXX {$240.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX : {$400.00} XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX Balance : {$0.00} USDOEXXXX XXXX Balance : {$0.00} USDOEXXXX XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
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: Investigation took more than 30 days

Complaint:
I sent a dispute letter to Equifax on XX/XX/2020. They responded to the request to put an promotional suppression on my credit file however they did not investigate and respond to the items listed on the letter about the dispute. 
I will attach the letter and their response to this complaint. I know that i have rights under the FCRA and those said rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
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 ordered a copy of my report in smartcredit and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the accounts listed below. I believe it was reported in error. 
XXXXXXXX XXXX XXXXXXXX Balance Owed : {$660.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$350000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Self Financial Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Within the last two weeks when making transactions between SELF, financial and XXXX XXXX XXXX XXXX ( XXXX ) and paying from XXXX account SELF notified me that the XXXX is saying that there is no account in existence, or unable to locate. However, when I contact XXXX they say Self has not contacted, or tried to charge the account. SELF has charged multiple fees, although the account has more than enough for the transactions, and to date has not offered to erase or eradicate the charges. I have gone back and forth between both companies and have yet to receive any practical solution to the ongoing issue, and improper fees and charges when I did everything right on my end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-16
Company: Experian Information Solutions Inc.
State: OK
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 have been disputing inaccurate information that has been placed on my credit report for since early XX/XX/2018. I applied for a refinance of my mortgage loan and was adviced That I have 100 plus inquiries from each credit bureau. I pulled each credit report and noticed about 80 plus were not authorized. I sent all three credit bureaus letters. I received from all three breaks. XXXX  responded XX/XX/2018, their response was a letter was received and they didnt think it was me. They will not continue on with investigation. I sent and updated all information on XXXX XXXX. XX/XX/2018 XXXX received dispute letters in regards to inquiries. Their response on XX/XX/2018 from the inquiries were that the inquiries were authorized and accurate and they are not removing them. I sent Experian two dispute letters, one for my inquiries and one for several inquiries on my credit report. Experian has refused to take any action on my credit file. They have just continued sending me copies of my credit report and hasnt followed up with me. I am becoming frustrated because it seems that my credit is being pulled from auto lenders and several credit card companies as from the past every 6 months and they are going through the institutions that I bank with. I just want to get this matter resolved.

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 2023-06-20
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: Information belongs to someone else

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2018-08-16
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2018, I was notified by XXXX  that a new collection was added to my credit profile by Credence Resource Management. I had no prior knowledge of this company nor had they made any attempt to contact me via phone and or mail prior to reporting this debt to XXXX. As a result of this fraudulent collection being placed on my credit profile, my credit score was decreased by over 15 points. After being made aware of this unfortunate circumstance, I placed a call to the company to inquire about the debt and why no prior contact had been made. I requested that verifiable documents proving that I am indeed the owner of this debt be sent to me immediately and requested if that was not possible for the debt to be removed. I also followed up my conversation with a letter stating what was discussed during the phone call, which was mailed to the company on XX/XX/2018. 

On XX/XX/2018, I received a letter from Credence offering a 50 % reduction from the original balance they reported to my credit profile. This letter was sent without any validation of debt, which I request and which is illegal. I'am requested assistance with having this debt removed from my credit profile with XXXX  and all other credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had a loan for a XXXX XXXX and the loan payments were set up on auto pay from my checking account. We received a call from the bank today and we were told the account was past due. Upon further investigation, the bank never drafted the last payment which was less than the monthly payment during the loan duration. Automated payments should not be stopped just because it is the final payment ; bank 's can draft payments as long as they are not more than the regular payment. The bank charged additional fees for being late. The representative who took our call transferred us into the automated payment line where we made the last payment of {$300.00} to pay the loan in full. There are multiple problems here as the automated phone service indicated our current payment is {$660.00}, although the associate gave us the amount listed above ( {$300.00} ) to pay in full. I logged in online to see what the difference was and I have a screenshot of the online payment portal to show this. The system is adding what had been my standard monthly payment amount to the amount of my last payment giving the larger amount, even though no more monthly payments are due. If I had just paid the amount given by the phone 's automated system and online, we would then be overpaying the loan, and undoubtedly waiting to get our money back. What's more concerning is charging the interest and fees that could go uncontested and ultimately are erroneous. The bank 's systems are creating an unfair and deceptive practice in that ( 1 ) the phone system and online system show a balance which includes an extra monthly payment which is not due, ( 2 ) the bank did not take out our last automated payment and did not inform us that it was not taken out, ( 3 ) the bank added additional fees which would not have been incurred if the last payment had been taken out, and ( 4 ) the car title has not been timely sent to us because of these issues which is causing difficulties in trading in the car.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-02
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:
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  this has violated my rights and I need it removed as soon as possible . 
15 U.S.C 1681 section 602 A. States I have the 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..

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the 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 non-monetary relief
Consumer complaint received 2022-12-03
Company: Avant Holding Company, Inc.
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:
On or about XX/XX/XXXX I reported fraud on my account. This particular website had an update and I didn't have access to my billing statement. I just saw what was owed and freaked out because it was maxed out. Upon further conversations with XXXX through an email I realized what was fraud and what wasn't. The total charges that should be fraud are XXXX not {$960.00}. I received a letter on XXXX stating that the charges were made from me. I asked why and I got a response that I used the physical card in the middle of the fraud claim. There are many ways scammers can skim and copy a credit card including a chip. Some of the charges that were startling was from XXXX, NY which is XXXX miles away from me on a date that I was with my Mom and daughter in my home town. Another charge for XXXX and I have never stepped foot in that store as I am a plus sized woman. It goes on to XXXX, XXXX 's, It's XXXX, XXXX and XXXX, XXXX  etc... I contacted these merchants and they have never seen me until I stopped in to investigate. I would like proof that these transactions were indeed mine because they were not. I have called them and left voicemails, I've called and left messages with Avant, I have even faxed them. 
On XXXX I filed an escalation claim with Avant and was told I would receive a response within 14 days. I didn't hear a response. I then faxed them on XX/XX/XXXX and no response. I called and left another voicemail on XX/XX/XXXX and XXXX and was told that it takes 90 days for them investigate from an Avant XXXX Their response on XXXX is that I email them. The email on file that they have has been compromised. I no longer have access to it. Probably another further indication of identity theft/fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Disputed unauthorized accounts with Portfolio Recovery Associates and XXXX XXXX XXXX in XX/XX/2023, XX/XX/2023, and XX/XX/2023. I've asked for the following legal documentation several times : XXXX. Your lawful authority to collect without my consent or 2. A copy of the original contract between myself and the original creditor where I agreed to the assignment of the alleged debt ; with my ink signature XXXX. An original contract between me and XXXX XXXX XXXX with my wet signature XXXX. The original purchase agreement that shows I'm the legal owner of this alleged debt. Please include all the terms and conditions that are included in the purchase agreement. 

XXXX. An affidavit signed under penalty of perjury that your organization has not violated any portion of the FCRA, FDCPA, and XXXX. 

XXXX. A verified certificate of authority and proof that your company is licensed to collect debt in my state. Provide me with a license number and registered agent or agent of service. 

XXXX. A XXXX release form with my wet signature as proof of my consent As of today, all I have received in a statement. A statement is not legally binding. Anyone can generate a statement and mail it to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: EQUIFAX, INC.
State: SC
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 have been disputing these incorrect items on my credit since XXXX, XXXX I keep getting the same response from credit Bureaus. They keep saying that it is verified. they are not telling me how, when, and who verified it. I'm getting denials based on their in correct reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have resolved this issue with XXXX XXXX and XXXX, I have submitted evidence to Experian they refusing to remove from 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 2023-08-10
Company: CNG HOLDINGS INC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX, an appliance was lease from XXXX. When the appliance was shipped it was defected ( there was a large dent and groove on the freezer door/ it was caved in ) and a report was made. XXXX offered to have the appliance picked up and replaced. A pickup delivery date was set. XXXX never replaced the appliance and a call was made to the company several times. I learned that XXXX filed bankruptcy and went out of business. In the meantime, my debit card was still being charged and payments were still being made. XXXX went out of business and never replaced the defected item. A new and functioning appliance was made from another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: CITIBANK, N.A.
State: TX
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:
I canceled my XXXX account in XXXX XXXX acknowledged that they had previously overcharged, said they closed my account, and would send me a check for the credit. Instead, XXXX did not cancel the account, continued to bill me, used up the credit, then started charging me. I made several attempts to cancel, but XXXX continued. Finally an agent found XXXX XXXX, requested a refund, said she canceled the account. However, I continue to be billed, my account was not canceled, and XXXX refuted my refund requests to Citi. Citi accepted XXXX refute and charges my account. Citi did the same thing to a previous cancelations of my XXXX account, in spite of my sending documentation from the provider that I canceled my account. I think Citi defaults to denials in favor of the merchant so Citi retains commissions.

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