BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: IL
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:
Experian and XXXX XXXX continues to report these false allegations incorrect information to my consumers credit report. 

XXXX and XXXX has already deleted and removed these incorrect items. 

I feel your company can be some assistance in this matter. Thanks for your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: GreenSky, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Hello, My name is XXXX XXXX. I started this loan on XX/XX/22 with Greensky. I recently had my payment go up because of my 6 months promotion period ended The company never left a message that I had a past due payment of {$1.00} cents. I originally started autopay on my billpay through my bank from the beginning and have never missed a payment until this time when I was unaware of what was going on. The call I assumed was a scam call due to no voicemail being left. I recently them checked the statement online and noticed I was being charge 2 separate finance charges. 1 for {$68.00} and XXXX monthly. I was told from the very beginning that it would only be XXXX XXXX APR from the company that referred me ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) who said they partnered with greensky for financing for their Fences which i was getting at that time with superior fence. I called and asked about the interest charged and the associate told me theres interest charged on the total remaining balance which was {$8300.00} I did this loan to really just help my finance XXXX XXXX rebuild her credit. I couldve paid off this loan from the start if the loan information was correctly disclosed and when I asked the greensky representative to why I was never informed. They said they dont have to or need to disclose any loan information if I dont ask. What kind of loan company now owned by XXXX XXXX doesnt let their clients know about the loan theyre getting into. They is the worst experience Ive ever had with a credit related transaction and Im amazed how this company preys on consumers with high finance charged and NO transparency. 

I recently just paid this loan off in the lump-sum amount owed to greensky. I will never do business with this company again.

Company response to consumer: Untimely response
Consumer complaint received 2023-01-27
Company: Professional Debt Mediation, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
A property I used to live at in 2019 is reporting me on the tenant screening and I am having a difficult time finding stable housing. I have a voucher and every property I have applied denies me because it looks like I owe money to this property. The property had my name incorrect in the contract they provided the collection agency in addition to having the wrong move out date as XX/XX/2019 when I moved out in XX/XX/ 2019. Despite my efforts attempting to remove this it's been unsuccessful I even paid whatever they asked. I just really need this property to stop reporting me on the tenant screening as I do not owe them anything. Please see attached proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: ACIMA CREDIT, LLC
State: MI
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:
ACIMA DIGITAL FKA SIMPLE is reporting on my XXXX and XXXX credit file an account that I have no knowledge. The first time I had knowledge of this account is when it came up as a debt collection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of fraud. Several inquiries were made fraudulently on my report. 
XXXX XXXX XXXX on XX/XX/XXXX - XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX On XX/XX/XXXX XX/XX/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 2020-03-25
Company: EQUIFAX, 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 reviewed my credit report, and there is information that I feel is incorrect. This information has been on my credit for a long time, and it should not be there. 
I am asking to remove this one address from my credit report because I have never lived there and this address never belong to me or my family. 
XXXX XXXX XXXX XXXX, XXXX, FL XXXX please remove as soon as possible That should not be on my credit report, and I should at least be able to say that I am disagreeing with them. Please make these changes immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Capital One reported my credit card delinquent to XXXX on XX/XX/2023 without first attempting to make contact with me. I was never notified by mail, email, text, or phone call, about my account being 30 days past due. The delinquent amount was for {$5.00} and had I been notified about this bill, I would have paid it on time. This amount and this should have never been reported for delinquency to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, 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 is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 items immediately. 

XXXXXXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I walked into Citizens bank and deposited my income tax check XXXX XXXX Citizens bank pretty much held my income tax check till XX/XX/2023 saying my income tax check wont clear. I spoke to the treasury they informed me the check was cleared XXXX of XXXX. Citizens bank then told me they were waiting for irs to send check back. i spoke to irs they informed me check has been cleared its no reason Citizens bank should hold my deposit that long.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am filing this complaint because TransUnion has ignored my request, to provide me with the documents that their company has on file, that was used to verify the Late Payment I disputed. Being that they have gone past the 30 day mark and can not verify this Late Payment, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. " Please resolve this matter as soon as possible, Thank you.

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 2019-06-12
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I called XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXX Spoke to a rep that stated if I paid the 7 year old account in full they would remove it. I have paid it in full and the account still remains active and derogatory .And to add to that it also continues to reports " FP '' ( failure to pay ) which is equivalent to a late on my report each month. It continues to bring my credit scores down and is damaging my prospects of buying a house. XXXX XXXX is a 7 year old account and should not be reporting late and incorrect information.This account has continues to change balances from month to month. There are 2 derogatory XXXX XXXX  account reporting to my credit report. 

World finance is a 7 year old account and should not be reporting late, and in error. 
I would like this account removed or all errors removed and updated from my account for the past year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
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:
i have tried contacting XXXX, experian, and XXXX various times within the past year challenging the 100 % accurate reporting of this charged off account being reported on my credit report ... each time they say that it is verified as accurate ... .how so? they are violating my consumer rights high credits do not match per bureau XXXX is reporting {$3900.00} experian is reporting {$3900.00} XXXX is reporting {$3500.00} dates of last active do not match per bureau XXXX is reporting XX/XX/XXXX experian is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX dates of last payment do not match per bureau XXXX is reporting XX/XX/XXXX experian is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX and if you look at the 2 year payment history they are reporting XX/XX/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 2023-02-21
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:
I tried disputing a fraudulent account not just opened up by someone else but also reporting incorrect information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

To get technical, re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). This law states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
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: Public record information inaccurate

Complaint:
XXXX XXXX is reporting that I have a chapter XXXX have never filed a chapter XXXX and they said that it was open XXXX XXXX  and XXXX on XXXX XXXX called them and they are trying to put the blame someone else.

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 2020-03-25
Company: Lending Club Corp
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
sent a email to landing club for they hold times on phone go on and on, i have been on hold total 6 hours in one week  .understand volume is high but this is ridiculous. sent a directive to cease auto debit .to date they refused to comply and have to tried to debit my checking, i have sent numerous email without a fix, also looking for deferment they offered online yesterday but has since dissapeared .when you call they refer you to the website but i cant complete deferment there now where yesterday it was offered

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: JPMORGAN CHASE & CO.
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This account is in dispute since the car has not been I. My possession for over 6 weeks. Its been at the dealership since XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: EGL US, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I HAVE CONTACTED BMG MONEY SEVERAL TIMES TO LET THEM THE KNOW ABOUT THE LATE PAYMENT THAT IS REPORTING ON MY ACCOUNT DUE TO A HARDSHIP AND ME BEING IN THE HOSPITAL WITH XXXX XXXX XXXX XXXX. I hav asked several times that the late payment be removed form my credit report this is affecting me Badley at this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My father passed away on XX/XX/2022. 

I made an appointment XX/XX/XXXX to close the account. Wells Fargo personal banker said I needed additional documentation to close the account. I had to schedule another appointment. 

XX/XX/XXXX - Met with a Wells Fargo personal banker and they said I needed an additional form from the Co-trustee in order to proceed with closing the account. 

My sister [ Co-trustee from a different city ] met with a personal banker from Wells Fargo in different city and completed the forms and XXXX them to me to. 

XX/XX/XXXX - Met with the Wells personal banker with the completed forms and they proceeded to fill additional forms that they had me signed and were notarized. They said it would take 7-10 days to review before I could come back and close the account. 

Called XX/XX/XXXX to schedule an appointment for XX/XX/XXXX. This appointment was cancelled by the personal banker because there was an error on the form they completed. 
They said it could take until the end of XXXX to resolve. 

I called the Wells Fargo Estate Center XX/XX/XXXX and they told me the case was on hold until the error was fixed. 

Scheduled an appointment for XX/XX/XXXX. This appointment was cancelled by the personal banker because there was a backlog at the Wells Estate Center for reviewing the forms. 

I called the Wells Fargo Estate Center XX/XX/XXXX and they told me the case had still not been reviewed. 

I am waiting for a call from the Wells Fargo personal banker to schedule when I can come in to close the account. 

At this point, I have zero confidence that this will be resolved in a timely manner.

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 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 appreciate you making the effort to delete some of the data on my credit report, but there are still inquiries that need to be removed. The 3 Credit Bureaus must verify these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed inquiries will be deleted as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2018-08-29
Company: Experian Information Solutions Inc.
State: NY
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  and experian are reporting two negative accounts one from XXXX XXXX and the other from XXXX XXXX XXXX.one was deleted once before under the previous debt collectors and then in XX/XX/XXXX added back on to my report.The current..I 've advised the reporting agencies and the collection agencies that these lines of credit were opened using my information without my consent. I never really checked my credit consistently until about 3 years ago and that is when I discovered these two accounts along with about 3 others which when contacted were promptly removed. The new debt collectors have also re aged the accounts to make it seem on my credit report like this is a brand new debt when in fact both the items are from XX/XX/XXXX and XX/XX/XXXX and they are reporting the accounts as just defaulting in XX/XX/XXXX and XX/XX/XXXX, because of all this inconsistent information on both of these accounts. I've disputed these two accounts over a dozen times since I first discovered them back in XX/XX/XXXX. One was finally removed in XX/XX/XXXX and then purchased by XXXX XXXX and put back onto my credit report in XX/XX/XXXX. All i've ever requested was for the last two negative accounts to be removed. If you look at my credit report I have over 12 credit cards for the past 3 years and not even one has ever been late ever these two accounts don't even match the consistency of all of my current accounts. I would never take out a payday loan product to buy anything ever because it is a recipe for disaster and its classic predatory lending targeting poor and desperate people and taking advantage of their situation for financial gain and there are easier ways like establishing credit ( which I have ) and making payments on an actual credit card ( which I do ). thank you for your time

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 2023-07-26
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 filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-29
Company: FIFTH THIRD FINANCIAL CORPORATION
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:
I mailed letters by certified mail to Fifth Third Bank. They are reporting that the account was included in bankruptcy. This information is NOT correct. The account was paid in full and never included in any bankruptcy. Instead of correcting this, they have placed a HARD inquiry on my credit report without my knowledge, consent or authorization. Which now it will take me months to get this fraudulent inquiry removed. They are damaging my credit with their fraudulent reporting. Because they are unable and unwilling to correct the account on my credit report I want it deleted because it is in violation of federal law. I want the hard inquiry deleted as it is in violation of federal law. They have 2 options here delete their slander from my credit report, or go to court and have a judge force them to remove their slander and pay me for damages, plus pay court and attorney fees.

Company response to consumer: Closed with explanation