BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-24
Company: EQUIFAX, 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 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 n 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: M&T BANK CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
M & T Bank does not process payments on time. Our last payment was mailed on XX/XX/2021 and as today XX/XX/2021 hasn't posted. Since they took over our loan, they have not posted any payments on time. 
I suspect that they are doing this on purpose to charged late fees. 
Their lame excuse is that the USPS is not delivering mail on time. All the other payments that were mailed on the same day were received and cashed by corresponding companies. 
I just called them today and they were very arrogant regarding the situation.I asked the rep by the name of XXXX XXXX ID XXXX to trace the payment and he refused to o so. 
We do not want be charge a late fee or damaged our credit due to their excuses and cavalier attitude towards customers. 
Please investigate this matter since I suspect its an ongoing issue with M & T Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I disputed a charge of {$700.00} in XX/XX/2020, provided an email from the merchant as an evidence that they promised to credit my account but they did not. Also, the merchant service caused additional property damage. 

I had to reopen the same claims at least 4 times since American Express kept closing the claims either by mistake or no reason, and the customer service weren't sure why those claims were keep closing and disputed amount were reversed. 

In XX/XX/2020, I complained to customer service and toild him that I will file a complaint with CFPB, the customer service representative re-opened the claim and asked to wait a few weeks to check on the claims. I was surprised that all records of this disputed were completely removed from my Transaction History. 

I have attached a screenshot that I captured on XX/XX/2020 which shows several disputes for the same transaction along with my Chat with Representative where I said I will report to CFPB, the representative indicated that someone will call me in 24-48 hours BUT no one from Amex called. 
Another screenshot captured today and XXXX which shows no dispute at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-15
Company: Experian Information Solutions Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored by my disputes. Section 611 ( a ). it is plainly stated that a failure to investigating these items within 30 days give a reason to immediately remove those items from my credit report. it has been over 60 days so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to stress you caused me. My information was also impacted by the XXXX data breach and may gotten 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 explanation
Consumer complaint received 2019-10-07
Company: Experian Information Solutions Inc.
State: WA
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/2019 I sent a letter to Experian asking them to verify the process they use to verify that two accounts included in my credit report. I asked them using the FCRA 611 ( a ) ( 6 ) ( b ) ( iii ), that allows consumers to ask for the description used to verify the information is being reported correctly, I told them that a computer response from XXXX was not acceptable, they responded on XX/XX/2019 with an XXXX response, I asked them to remove the incorrect information and they did not. On XX/XX/2019 I wrote the same letter to XXXX, see attached letter and they responded the same as above with one letter for the Chapter XXXX, they removed the Chapter XXXX BK, On XX/XX/2019 I wrote the same letters as above to XXXX   and they never responded, see attached letters written to 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 2023-01-14
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:
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 items 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 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 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 XXXXXXXX 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 2023-02-01
Company: Experian Information Solutions Inc.
State: TX
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 is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 

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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$120.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX Balance : {$490.00} XXXX XXXXXXXX : {$1400.00} XXXX XXXX Balance : {$6300.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$80.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX : {$100.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$790.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX Balance : XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-01-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells Fargo closed account after I made complaint on the Consumer Protection website regarding pending lawsuit settlement

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 2022-02-15
Company: ENOVA INTERNATIONAL, INC.
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I currently have an account with Net Credit and I was told that I was in collections due to a past due amount. However, in their system it says I made the payment on the due date, and I have records from the bank. I called the company and was told they would fix it, and the issue has never been resolved. They are adding XXXX statement fees which keeps me in the same debt. I pay XXXX a month for a XXXX loan and the balance is still XXXX. I have phone recordings of the agents saying I dont owe anything but yet their forcing me to pay more and saying if I dont get the issue fixed it could be reported to the credit burues. However, how am I able to fix a issue that wasnt created on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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:
This complaint was solely in regards the Experian Bureaus inactivity due to not seeing any deletion updates on the list fraudulent inquiries I submitted dated XX/XX/XXXX. The XXXX had already done their part after that little issue, and the specific fraudulent inquiries I mentioned before were no longer showing in my XXXX credit report. But the Experian Bureau still has an unfinished task here. Here are the fraudulent inquiries that they haven't removed yet 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 explanation
Consumer complaint received 2023-01-03
Company: OneMain Finance Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
Hi XXXX XXXX on XX/XX/22 at XXXX p.m. try to acquire a online loan through one main financial. Phone number XXXX. The agreement was for {$10000.00}. They put {$700.00} in my bank wire check. When the check filled I then called the police and made the police report case number XXXX Tuesday XXXX it was reporting XXXX XXXX XXXX XXXX. The other phone number for OneMain Financial is XXXX. They have since called and tried to obtain the {$700.00} again saying they needed the {$700.00} it was a test run so that that deposit the balance of the {$10000.00}. At that time I was told by the bank officer while I was sitting at the bank with the bank manager at XXXX  XXXX XXXX stop the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: VA
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:
This is XXXX XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX  XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00}

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 2023-02-01
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX Balance : {$5100.00} ; XXXX XXXX XXXX Balance : {$470.00}

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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-03
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Comenity JCrew credit card bill comes in with a payment due date. Prominently displayed on the front of the bill is a note that states a mailed payment must be received by XXXX est at the address provided. On the due date, at XXXX est, I logged on to my online account to attempt to make payment. At that point, I was only able to schedule payment for the following day ( 1 day after due date ). On the website, I learned online payment and telephone payment cutoff time on the due date is XXXX est. I could not schedule my payment so it would be timely received. I called customer service and was advised of the policy I read online. I also learned that the XXXX est cut off time is disclosed on the bill, but it is not prominent and buried in the fine print on the back of the bill. The representation I spoke with on the phone agreed to remove the late fee ( {$40.00} ) when it is charged on XX/XX/XXXX. That is acceptable to me, however, I believe the cut off time for online payments should be prominently displayed because I believe comenity uses this policy ( much like their deferred interest plans ) in a deceptive manner that is capable and targeted to the consumer public at large. It is clearly designed to obtain late fees from customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-15
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: NC
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:
Received a notification on XX/XX/21 advising that my First Investors Account was showing 30 days past due with a XXXX balance. 

I traded in the vehicle on XX/XX/21 and the loan was paid in full by my new lienholder 10 days later. The account status updated to paid in full and closed about 2-3 weeks ago, now the creditor is reporting a 30 days past due on my credit file for an account that has been satisfied in full and closed.

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 2022-02-15
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello CFPB, there are multiple fraud charges in my debit card going to XXXX, I dont use XXXX  at all. 

Fraud charges totaling over $ XXXX this is by no means a small amount of money to be losing. i went online and submitted a Regulation E claim with Wells Fargo. someone managed to steal my funds with stolen debit card. Some transactions are still pending so i cant file a claim for those yet but ALL XXXX  transactions in my account are FRAUD. 

Never had any issues with Wells Fargo before, its still my favorite banking experience so far! 

Claim Number : 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 2019-05-24
Company: Experian Information Solutions Inc.
State: TN
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:
Since XX/XX/XXXX XXXX has been running " a credit application '' for various " XXXX credit accounts '' that I'VE NEVER APPLIED FOR! I've filed various complaints and asked that they STOP! The previous complaint that I filed through you resulted in them " masking ' the inquiry but apparently not in them stopping the activity since on XX/XX/XXXX it was done again according to the attached letter. I WANT THEM TO STOP! In addition to this request I WANT THEM TO PROVIDE ME WITH THE IP ADDRESS THAT THE APPLICATION WAS SENT FROM SO THAT I CAN TURN IT OVER TO THE FBI INTERNET CRIMES DIVISION so the culprit can be prosecuted accordingly. I was told with the XX/XX/XXXX inquiry to ask for this information in writing so in addition to telling them to STOP, I want the IP information sent to me in this response. I want them to remove the fraudulent activity of course.

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023, I contacted Transunion informing them that they are inaccurately reporting information on my XXXX student loan accounts. I also informed them that I have disputed two times already and no change was made to my credit report. I informed them that my XXXX correctly reported my information showing these accounts 100 % paid in full and the accounts were closed. But Transunion still has these accounts as 0 % paid and is still on my report as current open accounts.

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 2022-06-09
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX XXXX violated my rights 16 U.S.C 1681 602 [ A ] states I have the right to privacy.

16 U.S.C 1681 604 [ A ] section [ 2 ] it also states a consumer reporting agency can not furnish an account with permission or written instructions by consumer

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