BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX, Used XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX Companies XX/XX/XXXX Experian XXXX XXXX XXXX  Companies XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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 2022-04-05
Company: SYNCHRONY FINANCIAL
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 information incorrect

Complaint:
I made a purchase from Amazon that did not work for me, I returned it XXXX  tracking number XXXX amazon received it and issued a refund. Synchrony/Amazon Bank falsely states that I owe them even though Amazon has credited my account two times chargeback XXXX & falsely reports me 30 days late and is double billing store card account ending in 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 monetary relief
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX is fraudulently reporting an account on my name that does not belong to me. When I previously contacted the company, I was advised that this credit was from my college that I was attending at the time, which I came to find out was not true! This company is reporting this account on my name with an incorrect address and contact information attached. I have never resided at this address. I also would like to see the contact information that this company has on this account, as well as the banking information that they claim to have received payments from. Nothing associated with this account belongs to me and I have also filed a police report with the XXXX Police Department regarding this as well! This account needs to be removed from my name and credit profile/reports immediately, as I am willing to acquire legal aid regarding this as well.

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 2022-08-18
Company: EQUIFAX, INC.
State: IN
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:
To whom it may concern, I'm filling this complaint because my Consumer Rights are violated. I have made this credit reporting company aware of the violations. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), and XXXX XXXX ( 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. 

Thanks in advance for your assistance in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: M&T BANK CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was not disclosed on the XXXX and XXXX Contract that I signed for purchase that this loan would be reported to any of the three credit reporting agencies, mainly XXXX, XXXX and XXXX XXXX. Furthermore, I am not aware of M & T 's practice on sharing my information with third parties. They have not disclosed what my rights are in that matter. I dispute any reporting of any loan commitments with M & T Bank since it was not disclosed beforehand and I did not have the opportunity to study its terms.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Experian Information Solutions 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 submitted a letter to the Experian and XXXX Credit Bureaus last XX/XX/2023 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX NA XXXX Balance : {$600.00}.

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 2023-09-30
Company: Bread Financial Holdings, Inc.
State: MA
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 saw a serious delinquency on my credit report without any communication from any banks. I looked into detail and found that it has been placed by Comenity Bank, saying that I made the last payment on this account in XXXX and my account is now delinquent. The actual status is : Statement XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No payment Required Statement XXXX XXXX XXXX XXXX XXXX XXXX ; No payment Required Statement XXXX XXXX XXXX XXXX XXXX XXXX ; No payment Required Statement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Present Balance XXXX My XXXX account was hacked and as a result the information related to many of my credit cards accounts and my bank accounts was stolen. I closed and most of my credit cards and bank accounts and opened new accounts with the same financial institutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). This card was on autopay through XXXX checking account that was also changed after this fraud. This card being a small infrequently used credit card, somehow the autopay was not updated. The company never tried to reach out to me and directly placed a serious delinquency in less than one week of due date, which is unethical and illegal. I am buying a house. This delinquency of {$37.00} minimum payment led to a fall of about XXXX points on my credit score. now I have significant problems in buying home because or irresponsible and illegal attitude of the company. 
I tried to reach out to company. They refused to get me in contact of the credit reporting person in the company. I tried to reach out to the CEO of the company on XXXX and sent him an inmail. But no response was received from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: W&A Intermediate Co., LLC
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I submitted a complaint on XXXX regarding Wakefield regarding a debt of {$15.00} owed to XXXX XXXX XXXX XXXX. My complaint number is XXXX. Wakefield called me three ( 3 ) times today from different phone numbers. The last phone call I receied today at approx. XXXX XXXX, I told the man ( who had a specific XXXX  accent ) in no uncertain terms to NEVER CALL MY NUMBER AGAIN and that I had turned Wakefield into the CFPB. I hung up on him. He said the call was in reference to debt collection. I told him I didn't owe Wakefield or XXXX any money, never heard of them, and never contact me again. This is over a debt of {$15.00}. I have no idea whatsoever who these people are or what a debt of {$15.00} is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Hello, I am struggling to keep up with my car loan, The amount I pay is XXXX The problem is that since XX/XX/2020 The president declared waived no payments for 3 months, I am not getting the same amount of my monthly income that I used to have. 
Since the pandemic hit the U.S I have then called Nissan Financial That we came to an agreement of paying {$260.00} As of now, since then In XXXX they have called me multiple times Saying that I have only done half payments and want full payments They don't understand there's hundreds of people now with evictions and Nissan has kept calling me about full payments twice in XXXX and XXXX. I can only afford to do the payments of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: AL
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 Account # 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

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 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 accounts listed below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I contacted XXXX, XXXX and TransUnion to reinvestigate the following accounts : 1. XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5700.00}, Partial Account Number : XXXX XXXX. XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3900.00}, Partial Account Number : XXXX. 
However, they stated everything was complete and accurate but that is not true as the open date, date of the last activity and much more are incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isnt reporting correctly.

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 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. 
Also, XXXX, XXXX and TransUnion are not even in compliance with Metro2 credit reporting. I have evidence to prove my case.

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 2023-03-19
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am not liable for this debt as it was paid by a XXXX XXXX with the state of Texas with Pandemic relief funds. The energy company said that I was on a program and that my lights wouldnt get cut off as long as I agreed to the continued charges. It was later I found out that they were not honoring the Program and I had the find assistance elsewhere. Which paid the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This has to be the 4th time I had disputed these same accounts with the 3 major credit bureaus all to no prevail. Every time the 3 quick uninvestigated response was accounts been verified. And now my response to that is what Method Of Verification did you use, inwhom was the deciding factor, what day, month, hour did you process these claims. What form of verification did you use, who made the calls, fax, etc., and inwhom did you speak with, what if any physical documentation do you have, I'm also requesting physical documentation as of my rights as a consumer in accordance with the FCRA laws. Here are the 3 accounts inwhich I'm seeking the Method Of Verification for .. # 1 XXXX XXXX XXXX XXXX {$3400.00}, # 2 XXXX XXXX XXXX {$110.00}, # 3 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened BMO relationship checking account on XX/XX/2023 and got confirmation letter the same day. But as of XX/XX/2023, I still can not access online bank : BMO online bank website says it can not find my records. Even though I deposited {$25.00} as inital depost and {$2500.00} direct deposit from my employer, and I have received phiscal checks and debit card. 

I have called BMO customer service more than 3 times, none of them are able to resolve my issues, and saying they can not find my records neither. 

Now, since BMO customer service can not find my records, they are unable to help me or close my 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 2022-08-17
Company: Remex, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
1. Received free annual credit report on XX/XX/XXXX. ( XXXX, XXXX XXXX XXXX ) 2. Saw medical debt being reported by " Remex , Inc. '' for the total sum on {$510.00}. 
3. Debt is not mine nor have I ever resided at company reported address attached to Remex , Inc reported debt. 
4. Sent Remex XXXX Inc. Certified Debt Validation letter on XX/XX/XXXX. 
5. Asked company to ( a ) provide documentation baring my signature ( b ) original documents with dates of services rendered and ( c ) ALL information they obtained to verify that this debt was indeed belonging to me. 
5. Remex , Inc responded with their company typed transcripts of supposed services received and dates. They failed to provide any of the requested information in the original debt validation letter. 
6. Sent Remex, Inc Certified Failure to validate letter on XX/XX/XXXX. 
7. In Failure to validate letter I outlined how Remex, Inc were violating several of my consumer rights according to the FDCPA & FCRA. 
8. Filing a CFPB complaint. I would like invalid debt immediately removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$14000.00}

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 2023-04-20
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: Account status incorrect

Complaint:
I have an XXXX account showing that they keep sending other collection companies to collect as well as them. I explained since 2020 that my ex husband fraudulently opened this account under my name and was to be responsible for it and or removed from my credit report. They will not remove and continue to send collection notices in XXXX  names and other companies- the other company was already removed but affirm keeps popping up. 

I also have several credit cards that show lates when they were closed and opened with different account numbers due to lost card XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX THESE ACCOUNTS WERE PAID AND OR NEVER LATE. They were closed but forgotten during the pandemic and remained opened with annual fee or interest accruing when I closed. I asked for the recorded messages to prove my case but was never given any Information. 

My XXXX XXXX  account was discussed due to the pandemic and a letter was given and corresponded with multiple representatives as I asked for loan to be worked with over time and allowing the payments to be added on the end or reduced until I was well and able to fully work. 

The only creditor that stood by their word was XXXX XXXX. 

Ive been trying to rebuild since my divorce and the pandemic and the creditors are from another country, so not listen to requests or provide proof of recorded discussions or signed paperwork. 

I am also unable to find out why my checking account record is showing negative when accounts were closed and paid with proof when I was going through my nasty XXXX XXXX XXXX XXXX  divorce. I did provide the settlement. Agreement for the accounts he was responsible for but was overlooked and didnt care. 

I am rebuilding and trying to buy a house and start a business and its necessary for my credit report to be accurate and not have a low/ poor score due to companies not reporting correctly. 

Please help review all- XXXX XXXX XXXX XXXX and Experian. If you view my entire history you will see my history. 

Thanks 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 2022-08-17
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence, I want this to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
For over 9 months now i have been calling between the credit bureaus and GM financial to have my GM financial account reporting to the credit bureaus. GM financial has repeatedly told me it would be taken care of. Repeatedly i have had to inquire as to why it is not reporting still. Repeatedly i am told that one single.person in GM Financial deals with this. This is a person i can never be connected to. Supervisors at GM have been supposedly emailed repeatedly. I have left numerous voice messages. Three days in a row for eg i called the number i was given, 25 x, no answer except a vm. I have tried extensively to correct my credit and this issue has prevented me from getting a few health assisting loans i have greatly needed. I have flatly been informed if my auto loan was reporting i would have excellent credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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.

The letters are stated with items and issues.

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 non-monetary relief