BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: IN
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:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
checking my file I've noticed a lot of invalid information on my transunion credit report. I am interested in disputing all of the following information to help clear my file.

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 2023-09-14
Company: EQUIFAX, 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account was closed for unspecified reasons.and I never received my deposit funds from my closed account.

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 2023-05-27
Company: VW Credit
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
In 2020, I consciously purchased an Audi XXXX and added an Audi Care plan to my contract. The salesperson clearly explained that Audi Care would prepay for my vehicle 's services, including oil changes and tune-ups. However, when I went to the Audi dealership for service, I was denied free service because the dealership had no record of me being charged for the Audi Care plan. Despite trying to use my Audi Care plan again, I faced the same issue and ended up paying for my services out of my own pocket. I then contacted Audi Customer Service for a refund but was told that my plan had expired. This is unacceptable, and I demand a full refund for the amount I was charged for Audi Care. I believe I was misled and taken advantage of, and I expect Audi to rectify this situation immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
8 to 10 collection accounts with inaccurate reported data. All medical accounts were there without my knowledge, assumed paid by insurance and or paid by me in full. Additionally, collection accounts for XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX are all accounts that were paid in full and no longer require payment due to fulfillment of the loans, lease agreements, and/or account balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27
Company: ENOVA INTERNATIONAL, INC.
State: WA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I took out this loan in around XXXX, going through a divorce. I made payments but they were charging 299 % interest, and it became difficult, I believe last payment was made in XXXX or XXXX. I moved to Washington in XXXX, and had given them my updated mailing address. Then the pandemic hit and I couldnt work, now after 6 years they sent me some paperwork from a company called XXXX XXXX XXXXXXXX and XXXX XXXX XXXX threatening to garnish my wages. I didnt think they could come after you after XXXX  years, and neither of those XXXX organizations look very legit in a XXXX search. They have given me XXXX  days to respond and its already been a week. I have a job now but I am still recovering from the pandemic, and cant afford this right now. Thank you for any assistance you can provide. ( Listing company as Cashnetusa, however XXXX XXXX XXXXXXXX and XXXX XXXX are on the court order which is also to XXXX  XXXX, no idea who that is. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
When downloading my first report ( Experian ), I tried to save, not print, the report, I timed out and had to log back in. Second, third and fourth attempts, without success, I called someone in the universe that connected me to a representative that said I had to subscribe to Experian in order to save, not print, my reports. Great! free sign up BUT only for Experian, not XXXX or XXXX. 

Fifth attempt, the portal said I already accessed the reports ( I did not ) and would have to wait 7 days and try again. 

Why? 

I don't understand 1-How do you reach a HUMAN to discuss the current issue? 2-Why can't I save, not print these 60+ pages of each report? 3. It was a miracle I found the CFPB site, by accident, to ask these questions and perhaps by filing a compliant, we can get change ......

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 2023-05-27
Company: MoneyLion Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
After months of issues with moneylion ( many of them resolved by submitting prior complaints either cfpb ), I paid off my moneylion loan. After over 30 days of moneylion not applying the payment, a rep for moneylion insisted the payment was lost in the mail and suggested that I would receive a negative credit mark if I didnt mail an additional payment ( although this delay in crediting a payment had accrued on each payment I had made prior, and moneylion continued to charge interest as they delayed crediting payments for more than 30 days ). Sure enough, after sending another payment, the original payoff suddenly appeared, resulting in an overpayment. 

Moneylion has not returned the overpayment nor have they returned overcharged interest despite hours of backnforth at my additional expense. 

Moneylion is now stating will provide no further updates nor have they returned the overpayment. It had now been around 90 days with no explanation or check.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was offered a credit card by CapitalOne/Bjs via mail, I applied and my applications was denied because the company said " Based on your application information, income is insufficient for amount of credit request '' But I didn't apply for a specific amount of credit. Also, my household annual income is more than XXXX XXXX/year, so I'm not sure what was the real reason for denying my application since my income would be sufficient for a regular credit card with a usual credit amount for a consumer like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: Experian Information Solutions Inc.
State: NV
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:
XXXX XXXX XXXX XX/XX/2021 hit my credit file on Experian 6 times I been OPT out of financial and credit offers and opt out of all promotion offers. I have previous files every year i mail a letter and file OPT OUT. It seems a scam by XXXX XXXX  XXXX that they would hit some one credit file 6 times on XX/XX/2021 with out there permission XXXX XXXX has all those address in different states

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Synchrony bank, the issuer of my sams club credit card, issues rewards points based on purchases. Sams club closed my local store and I have no way to redeem these points locally. As an alternative since I have no local store, Synchrony previously applied these rewards as a statement credit and has done this in other years. This year when I called to make this request they denied the request, saying the rules have changed. I believe that changing these rules without notifying me is unfair deceptive and abusive. I should have been provided an opportunity to cease use of this card in 2020 and not earn these points.

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 2022-11-15
Company: EQUIFAX, INC.
State: DC
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 accounts 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 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting 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:
I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to I provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-06
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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX APT XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} Medical XXXX Balance : {$210.00} 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 2020-08-03
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including 2 bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$2100.00}

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 2018-06-20
Company: EQUIFAX, 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:
This account was charged off due to my lack of handling credit. After this account was charged off I reached out to XXXX XXXX and I paid this account in full. The agreement I had with XXXX XXXX was that they would delete this from my report as long as I pay the balance in full. I have followed up with them numerous times to no avail. I am the reason my account was charged off and do not blame XXXX XXXX at all, however their tactic to get me to pay was fraudulent and not needed. I initiated contact with them to pay this debt as I wanted to right my wrong and was told they would remove their reporting from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: CO
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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Early Warning Services, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I submitted several financial accounts to EARLY WARNING SERVICES , LLC. Early Warning Services HAS INFORMED ME THAT some banks or financial institutions have answered my disputes REMOVING THEIR REPORTS. HOWEVER, EARLY WARNING SERVICES , LLC DOES NOT WANT TO PROVIDE ME THE RELEASE LETTERS. This morning XX/XX/2021, I made an appoinment with XXXX, who is an employee in that business for tomorrow XX/XX/XXXX at noon. This afternoon, XX/XX/2021, I was informed by phone that THERE IS ANY APPOINTMENT FOR TOMORROW, AND THAT I AM NOT ALLOW TO GO TO PICK MY LETTERS UP IN THAT BUSINESS. IN SHORT, EARLY WARNING SERVICES , LLC DOES NOT WANT TO PROVIDE ME THE RELEASE LETTERS FROM XXXX XXXX, XXXX XXXX, XXXX XXXX  ( TWO ACCOUNTS ), SO FAR. EARLY WARNING IS RETAINING ILLEGALLY THESE BANKS RELEASE LETTERS THAT HAVE BEEN SENT TO EARLY WARNING SERVICES SINCE ALMOST ONE MONTH AGO. I AM AFRAID EARLY WARNING IS PLANNING TO CONTINUE REPORTING THOSE ACCOUNTS ILLEGALLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
They sent me something on XX/XX/23 that showed XXXX as deleted. Then they sent me something again on the same date showing it was updated! Both were sent to the wrong address when they have current mailing address on file! They were given opportunities to correct it but never did, so remove it or be sued, I now have black & white proof of the continued intentional errors to show to a judge! 

XXXX was deleted and I want it to remain that way! They were unable to correct the info and that's why they had no choice but to delete it. Now on the same date they add it back on?????? I want it removed as it was in the first mailing I received that had to be forwarded by the XXXX XXXX to THE CORRECT ADDRESS! 

The next issue is they keep coming up with addresses that are no longer valid! I want those removed permanently too so they stop sending mail to the wrong address. CFPB has an accurate address on file but for some reason they began sending it to the wrong address. The form is marked up, pay attention and delete those outdated invalid addresses.

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 2022-07-21
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:
Upon checking my Credit Report, I noticed that there are accounts that are completely unknown to me. As I further researched my Credit Report, I realized that these accounts are fraudulently reporting on my Credit File. Right now, Im submitting this complaint today to inform the Credit Bureaus that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. XXXX XXXX XXXX, IN XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$170.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$63.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$74.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$60.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$110.00}. I have read that that under the 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.

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