BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: AR
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:
On XXXX XXXX I sent Experian and dispute regarding inaccurate accounts reporting on my consumer file. As of XXXX XXXX I have not received any correspondence regarding my dispute and Experian now has violated 15 USC 1681i ( a ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required 611 - 15 U.S.C. 1681i ( a ) 59 ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX Account # : XXXX The credit bureaus are in violation of the law. I showed them multiple times on how they are violating the Fair Crdit Reporting Act According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus don't have written permission.

According to 15 USC 1681 I have a right to privacy.

According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notice, that specific information is inaccurate; and ( ii ) the information is in fact inaccurate.

They have committed countless violations and has blatantly shown total disregard for the law.

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 2023-11-04
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:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2022-05-27
Company: Experian Information Solutions 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:
n accordance with the Fair Credit Reporting act 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

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 2022-05-27
Company: CITIBANK, N.A.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
President - i opened a citibank checking and savings accounts they closed both. i still get account alerts to email address XXXX. they said they cant stop them. by law. pta do this now. signed president of the usa XXXX XXXX XX/XX/2022 XXXX est.

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 2023-08-02
Company: Experian Information Solutions Inc.
State: VA
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 company is in violation of federal law reporting accounts that do not belong to me and that were opened fraudulently I have filed a police report sent in the copies of that report and a identity theft report copy company is to violation accounts include XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX  these accounts are fraud and I will be taking legal action against this company for violating my rights

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 2022-02-17
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-20
Company: SYNCHRONY FINANCIAL
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company is XXXX XXXX XXXX ( XXXX ). 
I have repeatedly asked them to : 1 ) stop calling me until they provided me with proof of ownership of the debt 2 ) provide me with a document trail ( legal trail ) that they do indeed own the debt and are legally entitled to collect it ( date acquired/how acquired/verifiable proof, not just a comment in a phone call ) 3 ) provide a list of payments made since they acquired the debt 4 ) provide a document trail of other third-party companies ( law firms/private collection agencies ) that they have used to collect payment from me and provide full payment statements from those companies 5 ) complete statement of all payments made and any additional charges that were added on to debt 6 ) stop calling me repeatedly throughout the day 7 ) stop leaving empty voicemails or to leave voicemails 8 ) stop claiming that I am refusing to resolve the debt that they allegedly claim I owe to them 9 ) prove that they are not trying to collect on a statue barred debt XXXX XXXX XXXX claim in their phone calls that I am 'refusing to satisfactorily settle the debt in during ( the ) phone call ... '. This is a statement that THEY repeatedly make in the few calls I have had with them. I repeatedly deny during these calls that this is an accurate statement made by me. It is a statement that THEY are making and then claiming that I have said. 
I have not told them that I would not work with them to settle the debt, only that I want legal, verifiable proof that they are legally entitled to collect. 
They have not bothered to send me the documentation. They call from various numbers up to five times or more a day, daily. They have now called me on Sunday at XXXX ( XX/XX/XXXX, XXXX ) which is in violation of legally allowed calling hours : " It is legal for debt collection agencies to call you ... and between XXXX XXXX and XXXX XXXX ( your local time ) on Sundays. '' XXXX has sent one document that looked like someone typed it up on a computer, scrawled out some illegible signature with illegible date. Then photocopied it and mailed it. No court stamps or other identifiable, track-able information on the photocopy that could provide legal traceable verifiable proof. No court that I can contact, no cause number, nothing. 
I feel they are harassing me and trying to bully and intimidate me into making a verbal agreement with them over the phone before they fulfill my legitimate request for legal verifiable documents from them. I believe that the statement they make that I am 'refusing ' the debt is an attempt on their part to coerce me, bully me, intimidate me and indirectly cause me to feel threatened and an attempt to try to take additional illegal actions against 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 2022-12-02
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: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Big City Finance, LLLP
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I'm paying XXXX every 2 weeks, and XXXX is all that is going to principle. XXXX  fees of XXXX out of the XXXX i pay bi-weekly is insane. I did not know it would be like this. I borrowed XXXX, and they are taking money every time i get paid to total XXXX. XXXX  fees account for 93 % of my payment. That is completely outrageous and should be illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: EQUIFAX, INC.
State: MI
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 currently have a payment agreement with district courts in Michigan of {$40.00} a month with XXXX XXXX. They are reporting incorrectly that I have missed a payment and my balance has increase {$75.00} dollars and has listed this account as a collection account in the remarks when it is PAID AS AGREED. They have been paid each month as our agreement yet continues reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On or about XX/XX/2023, I made a purchase from XXXX XXXX in the amount of {$590.00} to be split into three payments of {$190.00} each onto my bank debit card. XXXX XXXX explained that I was purchasing a marketing system and I was thrilled about my purchase until XX/XX/XXXX when I was contacted by phone and text by one of his staff members, XXXX because he said that what I purchased would not guarantee my success. At that point, I felt as though I been scammed and was very discouraged and then I received a phone call from another member from his team and his name was XXXX XXXX. I explained to him that I did not want to continue with the program due to XXXX 's comments and I shared with him that I was extremely disappointed. XXXX said that XXXX made a mistake but I obviously did not believe him and I never utilized anything of the web information that was emailed to me because I felt as though I had been scammed and I told XXXX that I wanted to cancel and he kept telling me that he was going to send me some special package that I never received and I told him that I just wanted to cancel and he never responded after that again. XXXX XXXX charged my debit card twice in the amount of {$190.00} on XX/XX/XXXX and again on XX/XX/XXXX and Bank of America only provided provisional credit for the first charge because they are saying that this a fraudulent claim and doesn't fall under Regulation E. I spoke with them to file the original claim for both charges on XX/XX/2023 and they told me that there wasn't a specific time frame that they were required to follow for the claim process. I asked them what government entity regulated the bank regarding the handling of these types of claims and they said that they did not know and was not very helpful at all. They said that I was not entitled to a provisional credit for the second debit for the charge on XX/XX/XXXX because it didnt fall under Regulation E. I have been a bank customer for over 28 years and they have always treated so very poorly and I am going to take my business elsewhere very soon because I am tired of this treatment.

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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: ALLY FINANCIAL INC.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Due to some uncontrollable circumstances, I had some late payments with this company. This was a very unfortunate time in my life. I have always been a loyal customer. Even after this debt, I paid off the account. the account shows on my credit report and it is paid, however I would like for Ally to remove this completely from my credit report as a 1 time courtesy for a loyal customer who paid his debt.

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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 non-monetary relief
Consumer complaint received 2016-09-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Wells Fargo opened an on-line " platinum card '' without my knowledge and without my authorization, consent or signature. I never received this card, and there is a {$5000.00} line of credit associated with the account. I can see it in my on-line account. This was done around the time that my home mortgage was being processed which is also owned by Wells Fargo. Looking back, it appears Wells Fargo issued me an unauthorized line of credit, adjusting my debt to credit ratio. This affected my credit score, which affects the APR I pay to the Wells Fargo mortgage. As a result I am now paying additional interest to Wells Fargo, through my mortgage at a cost of thousands of dollars over my 30 year mortgage. Also, this affects any other loan amounts I finance because of the unauthorized adjustment they made to my credit score, such as vehicles, appliances and home improvements. I have worked very hard to manage my credit score, and that they fraudulently adjusted it is very very frustrating. 
Additionally, around this same time, they cancelled a savings account I had with them since 1992 which was in excess of several XXXX dollars. Again, they adjusted my credit history, by cancelling an account that had a clean history in excess of 20 years. I went into their office to complain, and they offered to open a new account, but the history would be lost. They stated that " they have lawyers, and that they will win and I would lose if I try to resist what was happening ''. XXXX things that have never happened before, both happened as I was attempting to purchase a home. Beyond incompetence, this appears to be malicious fraud. I would appreciate assistance, as I am a hard working individual, and they are a large entity willing to use their " lawyers to beat me '' if I resist their tactics.

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