BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-11
Company: Experian Information Solutions Inc.
State: NM
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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Comerica
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
My card where my social security benefits go onto had expired. I charged XXXX cents at the atm to find that out. Then I called to find out where my new card was and was hold over 45 min. The guy said he didn't know what happened and they could expedite a card out in 2 days and charge me {$13.00}. I said I should not have to pay for a updated unexpired card to be shipped. Then I said I want it to be waived and he said he would transfer me. Then he just put me back in the line and I waited another 45 min to have a girl say they cant waive the fee. So she canceled the card then re issued it and I got a additional {$13.00} fee and a {$4.00} fee and {$1.00} fee. Why I have no idea. Then I called the next day on hold for a hour then the lady said she would have to put a request for the funds to be returned and nothing came of it. Then I said I was suppose to get a tracking number to see where my new card was. I never got one. So again I waited on hold for a hour only to have someone answer then drop the call. Called back again again waited 45 min got a girl on the phone said she would have to transfer me back on hold as we speak its been 35 mins. I got the number to file a complaint said they would escalate it and I would get a call back in 24 hours no call. called the complaint number again and this time told me 3 - 5 business days to get a call back no one ever called. Well I finally got the card and now I had automatic fees hit my bank account and late fees. Went to activate the card and had to wait on hold over a hour just to tell me I would have to put the numbers in instead of my ssn no where anywhere on the card paperwork did it even say that. I'm on hold currently trying to talk to someone about the fees on my card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-17
Company: 3rd Generation, 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 have never financed a vehicle before in my life. I worked at a XXXX XXXX as a XXXX XXXX and regularly endorsed contracts. A loan belonging to two customers went bad and the finance company attached their loan to my personal credit because the corporation had a guarantee. I have asked the finance company numerous times to correct this with no regard. I asked them to produce a sales contract of me buying a car which they ignore because it does not exist. Now my child has XXXX  and I need to finance a car and cant because of the Malicious error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: EQUIFAX, INC.
State: OH
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 originally started disputing what I found to be inaccurate information on my credit report with XXXX and Equifax on XX/XX/2020. Both companies responded that the information had been verified but failed to provide me the requested documents they used to verify it. 

On XX/XX/2020, after reviewing my full credit report again, I send another letter to both bureaus with more requests for them to look into a number of inaccurate accounts. They failed to respond within the 30-day window, so I sent another letter on XX/XX/2020. XXXX  neglected to respond at all and Equifax noted accounts were updated but again they completely ignored my requests for documents to verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Experian Information Solutions Inc.
State: PA
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:
In accordance with the Fair Credit Reporting act. The Listed accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX, Experian, and XXXX stated that my account was properly investigated or it meets FCRA requirements. How is that possible when there are still errors and inaccuracies across all three agencies. High balances are different all cross the three agencies, dates last verified are all different, date reported, date opened, and date closed are different or are missing, payment history is inaccurate : This is grounds for immediate account deletion because these are all violations on my credit consumer file. 

Listed Accounts : XXXX XXXXXXXX ( account is suppose to be closed ) ( reported information is all inaccurate or missing across all three CRA 's ) Account # XXXX XXXX XXXX ( reported information is all inaccurate or missing across all three CRA 's ) Account # XXXX XXXX XXXX XXXX ( reported information is all inaccurate or missing across all three CRA 's ) Account # XXXX This is ground for account removal from all three CRA 's and monetary relief because my rights have been violated under 15 USC 1681 section 602 A which states my right to privacy 15 USC 1681 SECTION 604 A SECTION 2 which also states a CRA can not furnish a account without my written instructions.

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 2023-03-05
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A credit card was opened in my name in XXXX of XXXX that I did not authorize. I did not notice this until I tried to get a car loan in XXXX of XXXX. I have been trying to handle this issue synchrony bank since I found out and they keep saying this is my name, my social security number and my card. It is not my credit card. I did not give authorization to open any credit card in my name from synchrony bank luxury card. 
This has hurt my credit score and I need help to resolve this matter. I do not have any card numbers, or papers regarding this issue.

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 2020-06-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SELECT PORTFOLIO SERVICING XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Ref :  Property XXXX XXXX XXXX XXXX XXXX FL XXXX SPS # XXXX XXXX  XXXX XXXX # XXXX Foreclosure case # XXXX XXXX XXXX XXXX  MIN # XXXX PETITION FOR RELEASE/DISMISSAL OF FORECLOSURE As the pandemic COVID-19 is hitting very hard across America destroying the economic and devastating homeowners, Government President Trump directed the Department of Housing Urban Development ( HUD ) and local government to take steps, orders to stop eviction and foreclosure proceeding to bring relief to those stressed family impacted by the pandemic of COVID-19. This is a precious time to bring this matter of Foreclosure case # XXXX, that is still pending in state court to the end with amicable solution. 
Since XXXX, our property has being victim of three ( 3 ) WRONGFUL FORECLOSURE. The undersigned are asking you to open a profound review to the above account and order your legal team to stop/dismiss legal proceeding Foreclosure case # XXXX. 

On XX/XX/XXXX SELECT PORTFOLIO SERVICING INC open a third ( 3rd )  WrongfulForeclosure case XXXX XXXX vs XXXX XXXX  on behalf of XXXX XXXX  AS TRUSTEE for the ACE XXXX. 

There are fatal errors in your claim regarding this account that needs to be seriously addressed to avoid causing more harm to our family, with a nonsense litigation. This litigation has brought a dark cloud to the image of SPS and its reputation. 

This account previously serviced by XXXX  XXXX XXXX XXXX XXXX XXXX XXXX was assigned and transferred incorrectly creating serious misunderstanding and legal battle. Those misunderstanding that need to be addressed and put this account in the right path of release.The XXXX XXXX request SPS to dismiss the Wrongful Foreclosure case # XXXX and releaseproperty XXXX XXXX XXXX XXXX XXXX FL XXXX from those claims. 

Your cooperation to solve this matter will be appreciated. Our family need to be relieved from this nonsense litigation and difficult time of this pandemic of Covid 19 and its effects. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: Diversified Consultants, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Diversified Consultants is a collection company hired by XXXX and XXXX when an account is in collections.

The XXXX  account was open in XX/XX/XXXX and closed paid and full, with all equipment returned to XXXX. Diversified is showing a false open date of XX/XX/XXXX, on my credit report with a balance of {$3100.00} Diversified continue to update this information on my account every month and every year Diversified update my account with a new open date.

The XXXX account was paid in full of {$140.00} in XX/XX/XXXX, after transferring to another phone company. Diversified is once again showing a false open date of XX/XX/XXXX, with a balance of {$2100.00}.

I had to change my telephone number because I was harrassed daily from Diversified Consultants. I have disputed this company twice over this false predatory balance on my credit report. XXXX and XXXX were paid in full. Every time I dispute Diversified Consultants, they update information on my credit report account which caused my credit score to go down. This is a form of intimidation to try and keep me from disputing this information, so I can pay them the amount they say I falsely owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: WELLS FARGO & COMPANY
State: NJ
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:
Wells Fargo Dealer Services has abused my rights as a consumer, by using the power of the 3 credit bureaus. On XX/XX/XXXX i purchased a used vehicle WFDS issued me the loan and i accepted it. My payments were XXXX per month. I paid my monthly payments till after around 13 or 14 months later WFDS decided that my insurance wasn ; t good enough and issued me their own insurance. Everything got very confusing my payments changed, as to even in XX/XX/XXXX they made me pay XXXX. I said i dont understand why the XXXX their reply was your payment raised i paid it then they wanted me to pay XXXX for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX on top of XXXX the new payment they raised me to. I could not make the payment which forced me into falling behind. I was looking at repossession now. On XX/XX/XXXX WFDS accepted another XXXX told me that i would be fine with the repossession and in the meantime a truck pulled up in front of my house trying to repossess the car, they were unable to do it that day since the car was in the mechanic shop. That forced me into doing a Bankruptcy to get protection from the Federal Judge. I received my protection. In the meantime WFDS has instated wrong information on my credit report for the last 3 years or more, wrong dates, wrong amounts, and a separate account for their insurance. I have not tried to resolve this before because my husband has been very ill for the last 4 years, undergoing extensive XXXX, but today hes doing much better, and i am here trying to 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 non-monetary relief
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: NC
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. The List of accounts below has 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 : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-12
Company: Experian Information Solutions Inc.
State: CO
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/2018 I sent a dispute letter to Experian regarding an account on my credit report from XXXX XXXX XXXX for which they claimed that I owed {$17000.00} in XX/XX/2018. I challenged the accuracy, compliance and reportability for each of these listings because I am unaware of owing money to this company. I also asked to validate the information with XXXX XXXX XXXX, and to provide me with any documentation associated with this account, bearing my signature. In the absence of any documentation bearing my signature, I formally requested that the information be immediately deleted from my credit file for which they maintained under my social security number. 

On XX/XX/2018 I received a letter back from Experian stating that the accounts were " Updated '', but I never received any validation with any documentation associated with this account bearing my signature.

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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-05
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2020-06-16
Company: Midwest Recovery Systems
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a negative report on my XXXX  Credit Report back in XXXX of XXXX from Midwest Recovery Systems about an unpaid debt. I never received any mail or letters in regards to this supposed debt. I also have not lived in the State of Florida since XXXX and had not been to a doctor for at least a year prior. I disputed that and it was removed on XX/XX/XXXX off of my XXXX  Report. 

As of XX/XX/XXXX, it was alerted to me by XXXX  that the same company is reporting that I have a debt in collections with them. I went through XXXX  to dispute this. It is now XX/XX/XXXX and I have yet to receive notification that this will be removed as it is NOT my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company " AssestCare LLC '' calls from phone number XXXX XXXX XXXX XXXX and says the call is being recorded without getting consent, Florida is a 2 party recording permission state. They do not identify themselves and ask your name and to verify your date of birth. When you ask who they are they hang up.

Company response to consumer: Closed with non-monetary relief