BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-18
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown items 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. In Section 611 ( a ), it is plainly stated that the failure to investigate these items within 30 days warrants immediate removal of these items from my credit report. These items should be deleted promptly. I demand that these items be deleted immediately, or I will file for litigation due to the stress that I have endured. My information was also impacted by the Equifax data breach and may have ended up in the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: SC
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. 

Account Name : 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. Or list of inquiries 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 2022-08-18
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I had reached out on numerous separate occasions asking for a deferment. Each and every time they told me there is nothing they can do I was denied. I told them constantly i can not do it right now. My wife is not working, she has no income. She is fighting with her last job while having a claim in with the state to retrieve her funds that they never released. She is not able to collect unemployment until that is resolved so has no income. It is only mine and I can not afford all the bills by myself. I asked them repeatedly for a XXXX month deferment and they refused to work with me and instead and have no reported me payment as late to the credit bureaus. I have made payments to them and also told them when I got paid again I would pay the month up to date. To them that still was not good enough and would not cut me a break for just XXXX month when during the last several months my wife and I had both lost hours at work prior to this due to some of the covid spikes plus her occupation is not back all the way yet due to being a teacher so has been trying to find things to fill in here and there and they still just keep turning me away. I had to go to a debt program for my credit cards because it all got to be to much with inflation and companies refusing to offer assistance on top of trying to keep my house for my XXXX children. Not to mention the car was involved in a hit and run that now is in the auto shop that I somehow have to come up with money to pay for a deductible when somebody smashed the XXXX side completely up and then left the scene and the cops did nothing about that either.

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 2023-02-22
Company: Experian Information Solutions Inc.
State: AZ
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:
Upon checking my consumer credit report I have found inaccurate late payments on my account. Please validate all dates as Im sure its incorrect. I have paid this account. 

Account : XXXXXXXX XXXX XXXX AccounXXXX 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 explanation
Consumer complaint received 2023-07-05
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: Their investigation did not fix an error on your report

Complaint:
I am the author of this complaint. I notice some inaccurate and incomplete information on my credit report. I'd like a thorough investigation and a deletion of the following accounts mentioned in the letters attached to this complaint. My social security card and a picture of my driver 's license is included within the letters attached either

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 2018-05-15
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: Account information incorrect

Complaint:
The above noted loan continues to show on my personal credit report as an outstanding loan. The loan was paid off when the property was sold. Payoff date was XX/XX/XXXX. This is impacting my credit score and loan to debt ration, as the $ 593 monthly payment and $ XXXX balance is still showing as an obligation on the property associated with this loan. The property address is XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I provided copies of my credit report to XXXX XXXX XXXX per their request when I contacted them again on XX/XX/XXXX. I originally called on/around XX/XX/XXXX to contest this with XXXX XXXX XXXX escalation department and was assured it would be removed from my credit report. As of XX/XX/XXXX that had still not happened. I was also told a letter would be sent to my address of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX stating this loan was paid in full. I have yet to receive any acknowledgment. 
I am very frustrated by the lack of action on XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: GA
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-04-19
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

I am deeply disturbed by their lack of respect for my private information ; This is an act of aggravated identity theft, as the courts have already stated that they do not release this information to credit agencies. 

By 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. 

Bankruptcy : # XXXX Bankruptcy : # XXXX XXXX XXXX, Experian, and XXXX have 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 an 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 or 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 data is inaccurate. 

I would like {$1000.00} for every violation on my report and for all inaccurate information to be deleted from my consumer 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 2018-08-29
Company: Consumer Portfolio Services, 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: Credit inquiries on your report that you don't recognize

Complaint:
Today I received a notification that Consumer Portfolio Services , Inc added an unauthorized inquiry on my credit report. I would like the inquiry removed Immediately. I did not authorize them to run my credit. I also do not want any phone calls from the company. I only authorize communication by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, 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 urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress. It is crucial that you rectify this error without delay. I kindly request you to thoroughly investigate the situation and expedite the removal of these unauthorized accounts from my credit report as soon as possible. Your urgent attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-13
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On Wednesday XX/XX/2021 I tried to log onto my on line banking for US Bank. It gave me a message that said their was a problem on their end that said username has been disabled. I called on Thursday XX/XX/2021. They said it was because I have a VPN. So for security and fraud reasons they locked me out of my account for 72 hours. They said it would be unlocked in Saturday XX/XX/2021. It was not so on Sunday I tried again. Still locked out I called they sent a request to unlock. Stating I would have access on Monday XX/XX/2021. I went to the bank and the. I called again. Said I would 100 % have access today XX/XX/2021. It is now XXXX XXXX time and I still can not get it. I have joint accounts and us on line to monitor my accounts, as my mother in law is XXXX XXXX XXXX. I need to ensure no one is doing anything with her accounts. And as of right now I am unable to access any of them. I have had a VPN for over 14 months and never had an issue before and now they do? I have this VPN because when I worked for the XXXX I was hacked twice. And I still keep getting emails from very strange people because of it. And I was hacked 3 times through XXXX. So for better security I have a VPN, I am so upset and they could care less and they dont even care if I take all my money out

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 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This vehicle doesn't belong to me. I see on my report that this was paid off. I have contacted this company to let them know the owner of the vehicle has file for XXXX and has made arrangements. I requesting for this to be removed from my report. I am a single parent trying to raise my kids, this is affecting my way of life. Please help me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: EOS Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is a collection debt for XXXX XXXX XXXX XXXX from an account that was opened using my information. The account was opened in Louisiana and the amount is for {$600.00}. I have never lived or even been to to Louisiana and I don't have any friends or relatives that have lived in the state. This is probably the third or fourth time I'm reporting this as fraud. Its the same debt but, the collection agencies just change. I've already reported it several times as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/2020 went to chase bank in XXXX, la to notified them of my mothers death at the time i was added to mothers account on are about XXXX XXXX XXXX XXXX went in to retrieve information on the account but was not allowed to got mad because I XXXX XXXX had already done so so she went and got fake documents letter of possession saying she was the only child and received a cashiers check from savings account for {$21000.00} and another from checking account total of {$9700.00} closing the accounts I returned on or about XXXX XXXX spoke to XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX, la XXXX and was asked was i aware of her closing theses accounts out which i told her i knew nothing about it so she immedeiately contacted the fraud dept and contacted the corporate office to notify them and nothing was done was told she had the right documents to close the accounts which was not true

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Since XX/XX/XXXX, I have written four certified letters ( attached ) to Experian regarding inaccuracies and FCRA violations on my Experian credit report for the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Despite my numerous requests, they have not corrected those multiple problems nor, and most importantly, they have not posted a Notice of Dispute for each of these accounts on any of my credit reports since my initial dispute back in XX/XX/XXXX, which is required by law and must be done within 30 days of being notified. These actions are clear FCRA violations and make me entitled to {$1000.00} per violation. 

In follow up letters dated XX/XX/XXXX, XX/XX/XXXX and recently on XXXX XXXX, ( attached ), I again asked multiple times why they had not posted a Notice of Dispute to my credit report and have never received an answer, an addition or a correction. I have attached the four letters of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as evidence of my requests and have highlighted in yellow the accounts we are discussing. I have also included my XX/XX/XXXX and my most recent XX/XX/XXXX Experian credit reports so you can see that despite my certified letters requesting my dispute of these accounts over the last 12 months, they have not added a Notice of Dispute in the comment section of any of the accounts I have reference above. I have highlighted in yellow on both credit reports all these accounts and the absence of a Notice of Dispute in their respective comment / remark sections. 

As youre aware under the FCRA, credit agencies are required to place a Notice of Dispute within 30 days on any account when a credit reporting agency is notified of a dispute by the disputer. Failure to do that is a violation whereby the violating credit bureau is required to pay statutory damages of {$1000.00} for each violation. The way I, and a judge, will see this, Experian owes me {$3000.00} for not posting my Notice of Dispute on these three accounts for the last 12 months.

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 2022-11-18
Company: Experian Information Solutions 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:
Company : XXXX XXXX account # : XXXX To whom it may concern, On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state. 

Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt. 

I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney XXXX XXXX. 
Sincerely, 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 2022-10-04
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been getting harrased by Comenity bank because they alleged I havent made my payments. They have charged me multiple late fees and have been charging me fees for not paying my credit card. Which is absolutely false They have not been posting my payments for the past XXXX payments I have made of $ XXXX, $ XXXX, $ XXXX, $ XXXX they have not applied those payments at all to my credit card and due to that I have been charged late fees and keep getting call to make a payment. I called and they said they can see my payments and will make a note to fix it however they have not fix it and its affecting me because I have to keep making payments and I keep getting call to pay when I already did. I have called multiple times and ask to speak to a supervisor they do not transfer me, I'm very concern because this can affect my XXXX XXXX I have statements from my bank that show that those amounts have been withdrawal by them. I'm really scared I really need help its really stressful to go through this when I'm making my payment but I keep getting call that I dont and that there is multiple late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: CAINE & WEINER COMPANY, 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: Account information incorrect

Complaint:
On XXXX XXXX 2020, I spoke with Caine & Weiner about losing my job due to Covid-19 pandemic which caused me to not make payments. However, Caine & Weiner made an agreement with me to pay the full balance of {$670.00} for deletion from my credit report by XXXX XXXX 2020. 

On XXXX XXXX 2020, an incorrect derogatory balance of {$750.00} was placed on my credit report for the second time in which the correct balance is {$670.00}.

Company response to consumer: Closed with explanation