BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-12
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:
In XXXX I open a credit card account with XXXX XXXX, account # XXXX I ended up being laid off from my job and could afford the payments anymore, I tried to keep up with them but could not, XXXX XXXX   ended up charging this account off, and sending it to collections which they were paid for because they sold my debt! I ended up paying the collection company for this account back in XXXX. I ended up paying before it went to collections. 

The problem is this account has been paid and closed since XXXX and yet, XXXX XXXX XXXX  is still reporting MONTHLY on my credit report XXXX, XXXX, XXXX XXXX, they are still reporting it as a charge off monthly and by LAW! They can not do that, and every month they are hurting my credit! This account should have stopped reporting back in XXXX when they were paid! 

Im not sure why XXXX XXXX XXXX is trying to ruin me and my credit, when I was able to open another account with them 2 years ago and I manage that account well no issues or payments ever being late. I have not had any late payments with any of my creditors since this and its hurting my credit it should not be reporting.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im having problems with XXXX XXXXXXXX credit card and the credit reporting companies reporting my balance and payment history. Im missing approximately XXXX missing payments that were made on time, they jus werent reported. So on my credit reports it reads no data in stead of saying paid. I also have my credit card statements which were provided to me by 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 2019-09-25
Company: Experian Information Solutions 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:
XXXX ; Experian and XXXX are reporting incorrectly a voluntary repossession on the XXXX account number XXXX. ( Please see page attached from our credit report. ) Shortly after purchasing the vehicle the independent inspection that we had done revealed that this vehicle failed to meet the standards as required under the law for safety and also this vehicle fell under the rules required for the Lemon Law. We returned the vehicle within the time allotted and were told that there would be no negative reporting on our credit report, but that turned out to not be true. I had documentation to prove the vehicle was not up to standards however, these documents were lost in a house fire. This was not a voluntary repossession or a repossession of any kind. The vehicle was defective. This incorrect reporting of a repossession is harming our credit score and this line item needs to be removed from our credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.

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 2020-09-15
Company: Experian Information Solutions Inc.
State: GA
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:
The credit reporting agency is reporting a bankruptcy that is not mine. I've been told that this inaccurate record was provided by XXXX. XXXX has investigated and advised that they were unable to verify the bankruptcy. There is no bankruptcy listed in my XXXX file, so when is the credit reporting agency reporting inaccurate information.

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 2023-11-21
Company: Experian Information Solutions Inc.
State: TX
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:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-09-05
Company: EQUIFAX, INC.
State: LA
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 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 2023-04-01
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Discover has a policy that when you make a payment on your credit card, even a minimum payment on the card, if you have a bucket of the balance at a 0 % promo interest rate, and another bucket of the balance at an interest rate being charged, the principal portion of your payment goes towards the bucket that is being charged a 0 % interest and not the bucket being charged interest. I talked to Discover about this about 3 weeks ago and they informed me that this is their policy which from my understanding of regulations, any principle portion of a credit card payment should go towards the balance being charged the higher rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: Convergent Resources, Inc.
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
OnXX/XX/XXXXXX/XX/2017. I requested a verification and proof of a collection that was place on my credit which I didnt know about. The collection agency did not provide enough proof that the collection is mine. I will upload a proof of what they send me.

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 2022-03-12
Company: EQUIFAX, INC.
State: MN
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 previously disputed with XXXX, XXXX  and equifax on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Changed home owners insurance companies for a better rate and was unaware I had to have wind insurance. When the bank asked for proof of insurance I sent in the proof and received a letter saying all was good I would not be charged for any insurance the mortgage company had gotten.. Then some time later I got a letter that said I had to have wind insurance. I contacted the insurance company to add the coverage from the beginning which was past already and they told me I could not change the policy I would have to cancel the present insurance and reapply with the wind which I did. I sent that to Wells Fargo and then got a letter saying I owed them {$210.00} or provide wind insurance coverage for the past time. I could not do it because the company would not let me and it was months after when they notified me. I never received insurance from Wells Fargo until I requested a copy of it which showed they obtained it in XX/XX/XXXX..I had already received a letter it was all good. I called multiple times over the weeks that it was one way one time and another. I explained to each and everyone what had happened. I got the same form letters until in XX/XX/XXXX I spoke to three different people who told me I would not be charged for it and of course they were all phone calls as that is the only way they do business by verifying who you are all required me to call them not any of it is documented on anything I have. I did get their names which I have included in the paperwork. I was going to put in a CFPB complaint months ago but they had told me it was taken care of. I have given them every opportunity to fix it and the right hand doesn't know what the left hand is doing and I get a different story every time. My present insurance charges around {$300.00} for a year for wind insurance and they charged {$210.00} for one month. The last representative XX/XX/XXXX told me they charge a lot because they have no idea of the property. That is totally untrue because they have every information about my property. If it had been reasonable I would have let them rip me off but this is ridiculous. I bet they make a fortune off people who won't take the time to fight it. I know I have spend much time on the phone and impatient with one person saying one thing and another totally saying the opposite is definitely frustrating. Please do not let these people rip me off.

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 2023-05-05
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:
There are a few accounts on my credit report that I've been having issues with, I've already tried disputing the information through the XXXX credit bureaus with no responses ; as well as the creditors directly, also with no responses! This is not following the law, they are required to respond to me and since the information is false and invalid anyways, I want it investigated thoroughly. The first time I disputed with the credit bureaus was on XX/XX/XXXX, then I followed up on XX/XX/XXXX. At that point, I sent a XXXX dispute to the bureaus on XX/XX/XXXX but this also included a dispute to the creditors. No one has responded to me, no one has provided " proof '' of these late payments. With XXXX XXXX this is an alternate mortgage company. My mortgage company originated elsewhere and I was given a forbearance due to XXXX, but apparently when the mortgage sold to XXXX, they didn't follow suit and put it in forbearance and started reporting late payments. I caught it too late but they refuse to correct the issue and say it's not in the notes and they won't do anything. This is not valid and the late payments are not valid either! For the XXXX XXXX XXXX XXXX XXXX account, there are XXXX late payments reporting, neither were valid either! XXXX of them, they admitted to their system being down due to XXXX and the autopay wasn't processing as it should've been. I was told it would be corrected and removed but it never has been. The other late payment was during the time of everything shutting down and the payment I submitted didn't get processed on the creditors end in time, then reporting me late. This is not my fault that it was late, they received it on time. I even have since opened XXXX new accounts with this company ; I believe this shows my loyalty to them as a customer and I want to continue to do business with them, but I would like to be treated fairly as well and have this rectified. For XXXX XXXX XXXX XXXX, I do not recall being late on this, I have requested documented proof of this but they've never provided it. If I was truly late I will accept it, but the records I keep do not reflect this, so if there is documented proof I was, then I want the company to provide this to me!

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 2023-10-04
Company: EQUIFAX, INC.
State: AL
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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX, AL XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00} ; XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX  XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry XXXX XXXX. XXXX, XXXX ; XXXX  XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: MI
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:
Three credit reporting agencies continue to post negative and late Payments Made by XXXX XXXX XXXX, Who has REFUSED to supply the proper documents the the DIFS as to why we did not receive the goods and services we prices but continue to charge us for them. Credit reporting agencies could care less, and are now part of the reason we are having a finical crisis from the banks fraud to the agencies continued reporting. They refuse to address the issue after several complaints have been made and Feed back provide. My husbands score has decreased nearly XXXX points from this banks fraud and being allowed to continue to report.

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 2019-09-25
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:
XXXX ; XXXX and Transunion are reporting incorrectly a voluntary repossession on the XXXX account number XXXX. ( Please see page attached from our credit report. ) Shortly after purchasing the vehicle the independent inspection that we had done revealed that this vehicle failed to meet the standards as required under the law for safety and also this vehicle fell under the rules required for the Lemon Law. We returned the vehicle within the time allotted and were told that there would be no negative reporting on our credit report, but that turned out to not be true. I had documentation to prove the vehicle was not up to standards however, these documents were lost in a house fire. This was not a voluntary repossession or a repossession of any kind. The vehicle was defective. This incorrect reporting of a repossession is harming our credit score and this line item needs to be removed from our credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.

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 2023-09-05
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting 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 168. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX, XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX. 
Account Number : XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: NJ
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 just want to complain since I could not figure out which experian credit report is to be answered. I received two Experian reports online. One came from XXXX ( XXXX ) and another was XXXX ( XXXX ). It looks that both of them want me to call them to delete the statement of military. However, they indicate different telephone numbers, I am not sure which one I should contact. Anyway, I wonder what kind of proof I will submit.

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 2023-06-15
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened this Apple Savings account by Goldman Sachs Bank USA. When I needed the money to fund my investment and tried to withdraw from the account, Goldman Sachs refused to allow the withdraw. At one point yesterday ( XX/XX/2023 ), the bank representative advised me to lower the amount of withdraw, but when I did, it was declined again. I now can not get the fund I needed for my investment. They are refusing to give me back the money I deposited into the savings account!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: Aargon Agency, Inc.
State: NV
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;HasFraudulentactivityandIncorrectinformation.AlsoXXXXhasdeniedmeaccesstocreditreportsinceXXXX!

Identitytheftandfreezeshavebeenexhaustedover9yearsnowyetmycreditreportscoreandfileisinaccessibletome,mycreditreportandscoreseverelyinaccurateincompleteinformationaswellasFraudulentactivityandaccountsarethereasonXXXXXXXXXXXXXXXXetcmeXXXXlockandillegallyhavelockedmeoutofmycreditreportfilesinceasearlyXXXX.

EachBureauforCreditScoreandReportshavemadenoevidenceofprotectionformeandIhavemultipleyearsofoutdatedandagedstudentloansasdebtandnothingelse.Yetfor10+yearsnow520-580atbestusassociatedwithmyidentityandUSAsocialsecuritynumber.I'moutragedBeyondCriticalconditionsinmylifeIrreversiblehardshipsonsetofunsalvageabledamagethataffectedmychildrenandI.PhysicallyXXXXemotionallydevastedfromlackofprofessionalismprotectionandtheXXXXprocessandprocedurespereachmajorbureautermsofserviceandprivacypolicyfacilitatingthis.Pleaseexcusemybrevityoftheprerequisiteforthisdiscussion.Collectivelycouldn'tcasefileasdisputesIhavetocontinuediscoveringdiscussionaboutthis.

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