BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: TX
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX reported on my credit report that I owe {$190.00} dollars which is not correct. I don't owe them anything. I have disputed it and requested proof of the amount I owed according to credit act but the results were negative. I tried to dispute again and experian won't let me do it online. They asked that I call a phone number. I did call that phone number and I was never able to get in touch with a live person to dispute and request that the company provide the proof of the charges. The automatic system was asking question that have no relation to the problem I need to dispute. I tried couple times. I called XXXX XXXX  and requested proof but they want me just to pay. At the end just get this fixed and I told them I don't agree with the charges but I will pay if you delete from my credit report since it is wrong. They refused to delete and refused to provide accurate information proving I owe a balance. I need this problem handled please. 

My name is XXXX XXXX Thanks,

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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Transunion is reporting a bankruptcy on my credit profile. Transunion stated that the bankruptcy was verified through the XXXX XXXX XXXX XXXX XXXX.I contacted the clerk of courts and they informed me that they do not share information with credit reporting agencies. This is false information and Transunion has yet to delete the bankruptcy from my credit profile.

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 2020-12-15
Company: Shellpoint Partners, LLC
State: KS
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 XX/XX/2020 I was on my mortgage company website and thought i was being billed a late fee but when i called then a rep told me after a escrow analysis my mortgage was going to increase in XX/XX/2020. I informed the rep I could not afford to pay a higher mortgage so the rep offered an extension on my mortgage, he said I could continue paying the original amount of {$1500.00} for 3 more months instead of {$1600.00} as long as I called monthly and processed payments by phone. Later that month I discovered an error that I made, my payment was not honored but I immediately paid once I realized there was an error. Multiple reps promised fee adjustments and also confirmed my payment extension that the first rep promised. By XX/XX/2020 I got a letter stating there was a problem so I called and was told my account was past due. I offered to pay any past-due amount needed so that my credit wouldn't be impacted so that rep told me to pay {$35.00} and assured me that everything else was already taken care of. She said the XXXX was for the XXXX payment being past due and NSF and said all other fees were already removed. She also mentioned for the first time that i was not eligible for the extension that was promised to me in XXXX and told me that going forward I should pay {$1600.00}. I've asked multiple reps to have the negative report removed from my credit file since Shellpoint rep gave me wrong info that lead to full payment not paid which ultimately considered me past due. Shellpoint doesn't seem to agree with fixing my credit file. Today, XX/XX/XXXX I got an automated call that hung up on me, I called back and a rep told me I need to pay additional fees despite I have not been late or had any declined checks since the XXXX time in XXXX. Shellpoint is taking advantage of me, they can't explain why I'm still getting billed more fees and won't accept responsibility for giving me wrong info. I've tried to give them several opportunities to keep this right but they ignore me. I would've just paid the {$1600.00} to avoid this terrible situation and try ro refinance later but now my credit score has dropped very low because a rep at Shellpoint gave me wrong info, this is not fair. I feel like they are picking on me and mistreating me.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: GA
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:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-09-28
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased 2 dress from XXXX ON XXXX XXXX WITH MY CITI BANK CREDIT CARD when i received the merchandise on XX/XX/2019 the merchandise was late and the quality was not what was showed online with the picture as the same. I called XXXX and mention to them to send me a label to send the merchandise right back to them which i did on XX/XX/2019 and was received back to them in the same packaged XXXX sent it to me. I then was told XXXX which is a 3rd party came into the transaction and mention they were not going to released my refund back to me Surprised 1 after they have the merchandise back at XXXX and now citi bank are backing them! i nevrer was told or metioned a third party was involved in the transaction up front also me being a victim of identity theft with XXXX 5 years ago was shocked! i then demande that CITI cards returned that {$67.00} back to my credit card becaused it went on back and forth for over a month now. I ACCUSED CITI, XXXX, XXXX OF TRYING TO STEAL MY HARD EARNED MONEY ALSO CALLED THE DISPUTE DEPT AND CHATTED WITH THEM ON LINE GOING ON A MONTH NOW! XXXX HAVE THE MERCHANDISE BACK AND ALL THREE HAVE REFUSED TO GIVE ME MY REFUND! Dispute # 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 2023-03-13
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:
It has come to my attention that XXXX, Experian and XXXX are reporting my tranactions and experiences to the consumer report. According to FCRA 15 US Code 1681a2a1 these are exclusions.

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 2022-07-08
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX XXXX. I am writing this complaint myself, there is no third party involved. After reviewing my most recent credit report from EXPERIAN I noticed fraudulent and unauthorized inquiries on my report. I have filed an FTC report and sent EXPERIAN a handwritten notice ( tracking # XXXX XXXX XXXX XXXX XXXX ) with instruction to delete the inquiries within 4 days, pursuant to 15 USC 1681c-2. I am also requesting a full record of how the collection account from XXXX XXXX was validated and verified. EXPERIAN must prove to me that they are in full compliance with the FCRA and FDCPA, as I'm aware that credit reporting is voluntary and not mandatory, I do not recall giving XXXX XXXX written permission to report private potentially negative information to a third party, nor did EXPERIAN receive such consent from me. It is against federal law to report alleged debt when the account has not been properly verified and validated with original documentary evidence. EXPERIAN must provide me with such documentary evidence or remove the XXXX XXXX account immediately.

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 2023-11-23
Company: Experian Information Solutions Inc.
State: OH
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:
I submitted documents to Experian stating that my accounts were compromised and used by someone pretending to be me and asked for the compromised accounts to be blocked I sent in a handwriting letter describing the facts police report and FTC reports staying which accounts were compromised and asked for the accounts to be blocked. Experian emailed me a a list of frivolous potential reasons why the accounts weren't blocked when in fact the list of reasons were totally bogus. Experian instead disputed the accounts as identity theft and now I have tons of useless mail stating that the accounts were opened by me because my address phone social was used at the time and in my FTC reports police report and handwritten letter definitely all state that my accounts were compromised I never said anything about most of my accounts being open fraudulently the ones that were though I stated in my FTC reports. XXXX XXXX  is in clear violation of consumer rights by not blocking the requested compromised accounts that I asked to be blocked. Iam a victim of identity theft and Experian is not following protocol when it comes to compromised accounts. It took me a while together all my documents and send to Experian XXXX and XXXX and all three credit bureaus denied my documents and disputed my compromised accounts the way they wanted to.

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 2020-12-16
Company: Tribal Lending Enterprise, Inc.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
XX/XX/2020, I received multiple emails thanking me for applying for loans. Later that night, I also received notices from credit bureaus that XXXXXXXX XXXX XXXX had accessed my credit files. Due to the Thanksgiving holiday, I could not contact anybody until XX/XX/2020 and i went to a local XXXXXXXX XXXX XXXX branch. They said YES, someone had applied for credit through them and they ran my credit. They acknowledged that their XXXX AZ branch was the one who did it. They gave me a phone number of their corporate office to dispute this XXXX. I called and they emailed me an affidavit to refute the inquiry. They said that they would get with all credit bureaus to remove the inquiry. On XX/XX/2020 I received an email from Mountain Summit Financial stating that my first loan payment was due ( account xxxxxx ). I called MSF up and they said I needed to email my complaint to XXXX and they would get back to me at their leisure. A loan for {$1000.00} was taken out in my name, using my SSN, MY Address, but not the banks that I use. I did not authorize the Credit pull, nor did I apply for any loan.

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 2023-04-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I posted a check of {$5800.00} to a XXXXXXXX XXXX in XXXX. I advised then it was en route. 

XX/XX/XXXX Check # XXXX was posted XX/XX/XXXX Check # XXXX showed on our account XX/XX/XXXX I contacted XXXX XXXX, who advised that the check had not been received. I told them that the said check had indeed been cashed. XXXXXXXX XXXX checked but came back to say nothing had been received. 

On checking our account we see that the check was not endorsed on the reverse side and immediately contacted Chase Fraud Dept. We made a Declaration of Unauthorized Endorsement as requested by Chase. Since then we have made many phone calls and a visit to our local Chase but to no avail.

I learned from Chase the the bank where the check was deposited was XXXX XXXX XXXXXXXX On XX/XX/XXXX we received a letter from Chase saying that the depositing bank is responsible for repayment but had not responded to the Chase claim. Chase now say if they do not hear within 90 days of our clam submission they will close the our claim and the funds will not be recovered. This can not be correct - Chase know the bank where check was deposited and XXXX XXXX XXXXXXXX must know who cashed the check. It all seems very straightforward.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I made a payment in XX/XX/XXXX in the amount of {$2800.00}. This lump sum payment was applied by Ally to cover my car payment until XX/XX/XXXX. I also applied for their covid relief deferred payment program after I was furloughed from my job. As a result, the due date for my next car payment was extended to XX/XX/XXXX. 

In XX/XX/XXXX, Ally placed a fee on my account for {$16.00}. On my online account, it says this payment was due on XX/XX/XXXX. After it wasn't paid, a {$15.00} late payment was added. I have contacted Ally 3 times since XXXX to have this corrected and removed. Each time, I was told that this error would be corrected. 

This incorrect missed payment of {$16.00} was reported and lowered my credit score. I paid my car payment up until XX/XX/XXXX. None of the representatives can explain why this {$16.00} payment was added to my account in XXXX and it is still showing on my account as a past due payment. My next car payment is due on 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 monetary relief
Consumer complaint received 2023-11-24
Company: Experian Information Solutions Inc.
State: TN
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: Investigation took more than 30 days

Complaint:
I'm very aware XXXX, XXXX, and Experian, are Committing fraud against me, fraud is anything that deals with my social security number when I didn't receive any benefit from it, consumer law states that if a company take more Then 30 days to handle a complaint it must be removed form credit report. 15 U.S Code 1681A2AI I'm also a victim of identity theft so in fact these reporting agency of violating the Fair Credit Reporting Act by reporting these fradulelet account that was open in my name XXXX  ACCOUNT # XXXX Date Opened : XX/XX/XXXX  Balance : {$8000.00} XXXX ACCOUNT # XXXX Date Opened : XX/XX/XXXX  Balance : {$2100.00} XXXX XXXX {$2000.00} {$1300.00} XX/XX/XXXX  {$1300.00} XXXX XXXX XXXX {$380.00} {$1000.00} XXXX  XXXX {$1100.00} {$380.00} XXXX XXXX XXXX XXXX {$4300.00} THESE ACCOUNTS NEED BE REMOVED NOT UPDATED AFTER YOUR FRAUDLETE INVESTIGATIONS, Securities Fraud is being taken place I will pursue suing if these account are not removed.

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 2023-01-15
Company: Experian Information Solutions Inc.
State: CA
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, account # XXXXXXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A status, 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.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I have a account that all ways seem to be in overdraft when I get direct deposit for XXXX for me and my son and everytime I took out my money for rent and bills sill had money in the account just so it doesn't go in to over draft The account would take the rest of the money for what ever reason then it was over draft the account and charge me then the money that was in there was deposit back in the account and still be in overdraft for the fees then charges still account on the overdraft account again so the bank then closed my account for to many days in overdraft so I don't know what happened but when I got my purse and everything stolen some one took all the money that I had in the account and replace the card but the damage was already done the bank could help me it was over draft for the fees and everything stolen from my account so it was just so far until I received an letter from the bank by the time I received payment from XXXX till the account got paid by XXXX the bank shuts down the account now I have to pay for the fees and everything stolen from that time till now it put me out of my Apt cause I couldn't pay cause of the bank account and still have not received any money back from the bank or anything else I been homeless since then and it's been over a year since then

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 2023-02-19
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
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 received a letter dated XX/XX/XXXX, from Bloomingdales that my account had been closed due to delinquencies. I called immediately and a charge of {$82.00} was 90 days past due. I never received the 3 bills as they were sent to an address from 4 years ago, but this letter was sent to my correct and current address. I immediately paid the bill and Bloomingdales took off the interest charges. They reported me to the credit bureaus and my impeccable credit of XXXX dropped to XXXX onXXXX with XXXX. I have written the ceo twice with no response and customer service says they have responded correctly. Why did they drop the interest, find my correct address after 3 months but blame me and ruin my credit? I have been a customer since 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 2020-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have sent an RFI to XXXX on XX/XX/2020 to which I got only a partial response. I did get a payment history which seemed confusing and I had sent a second letter to XXXX on XX/XX/2020 questioning some of the charges which seem to be questionable and don't add up. I will attach the letter I sent to XXXX along with the payment history which I am questioning. So far I got no response and the continued reporting of erroneous data is detrimental to me. 

Other issues of reporting are as follows : The full 7 year payment history is not listed High balance of {$250.00} is not accurate Date of first delinquency is not listed

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