BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-11
Company: Experian Information Solutions 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-27
Company: Bread Financial Holdings, Inc.
State: NC
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 had a hard credit inquiry from comenity capital sephora on XXXX that I did not request or authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11
Company: Shellpoint Partners, LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
From XX/XX/XXXX to XX/XX/XXXX, Shellpoint Mortgage Servicing fraudulently charged me for lenders Placed insurance. I always was insured and provided all documentation when prompted. 

They failed to receive and properly note my account. I talked with agents to no avail. Then they continued to charge me without any notice they were surreptitiously deducting funds from my escrow account, In addition, This company has poor communication ability, their message app fails to work every time a message is sent I never get it. 

They have setup their system to fail the customer, and reaching them is very difficult. 

Shellpoint has structured their company to avoid helping me, its customer and hide how they are illegally stealing my money from my escrow accounts,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I spoke with Lexus financial regarding my car payment which is XXXX I told the rep after being in the hospital I only have XXXX to pay would that be ok as I was XXXX short she said thats fine I asked her would it still be considered a late payment she said no just get the XXXX in as soon as you can this was on a XX/XX/2023 I called back Monday XXXX  and the account rep told me the account is reported 30 days late on my credit because of the XXXX thats was delinquent but in speaking with the representative they offered me a deferment on the account and said I should have been offered one previously and they proceeded to tell me it would be XXXX to process it which does not go to the payment its just a fee for processing the deferment however the phone hung up in the process of making the payment I called back to see if it was processed or needed to be done again I went through 2 more representatives which one of them put me on hold and hung up I spoke with one lady saying it would be {$170.00} and not XXXX I was really confused because I already got a confirmation of a payment via email for the {$200.00} I told her that then she proceeds to say your in the wrong department I really dont know let me transfer you? Which was really confusing she also told me I could get a deferment again However my complaint is had I known I could get another deferment I would have used the XXXX and some change on that not pay Half the car note and still get a 30 day late and still pay XXXX for a deferment which could have eventually just went towards the lease payment due to me being on medical leave my checks just came in late was I being ripped off I feel as if Lexus financial kind of scammed me with this one And the representative told me it wasnt going to be late credit reporting because I paid more than half on it and was just due for XXXX which when I called back that was untrue and the last lady I spoke with was very rude and she didnt even want to explain things clearly without breathing hard and being rude I spoke with Lexus financial for 3 hours on Monday with everyone giving me a different story how is this possible

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: AMERICAN EXPRESS COMPANY
State: CT
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: Other problem getting your report or credit score

Complaint:
XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX The company named XXXX  XXXX XXXX XXXX, Deleted 25 account from my XXXX  Credit report. My credit score was an XXXX on XX/XX/XXXX, and because I have no account showing on my XXXX   Credit report my credit score dropped to a XXXX. I called XXXX  the company on XX/XX/XXXX I spoke to a rep who said that I dont have any accounts reported or listed on my XXXX  credit report, and that this is per the Creditor. 
I asked the rep how do I go from having 25 accounts listed on my XXXX  report 3 months ago and now having zero accounts not listed on the credit report. I explain to her that the 25 accounts are still active and that they should be showing on my XXXX  report. The rep said that I need to reach out to each creditor to let them know that my accounts are not being report to XXXX. This should be the job of XXXX  to investigate and not take decisions that will hurt the consumers credit. 
My wife, and I have been saving money to buy a house, and we are getting ready to apply for a Mortgage. The company XXXX  XXXX XXXX XXXX has wrongfully manipulated by credit history in a careless way. I am asking for the Consumer Financial Protection Bureau to investigate XXXX  XXXX XXXX XXXX negligent wrongful handling of my credit history. I this report I will provide all the creditors that were deleted my XXXX  credit report, and I will attach the XXXX   creditor reports showing zero information for my credit. 
It takes a long time to establish credit and to establish a good score. I want for XXXX  XXXX XXXX XXXX to re-instate all my 25 accounts, FIX MY CREDIT SCORE, and to show accountability for the errors and problems that they have caused. 
XXXX  Account XXXX - XXXX  DELETE ACCOUNT XXXX XXXX XXXX - XXXX  DELETE ACCOUNT XXXX XXXX XXXX - XXXX  DELETE ACCOUNT XXXX XXXX - XXXX  DELETE ACCOUNT XXXX XXXX XXXX - XXXX   DELETE ACCOUNT XXXX XXXX XXXX - XXXX  DELETE ACCOUNT US DEPT. OF EDUCATION XXXX - XXXX  DELETE ACCOUNT XXXX  XXXX XXXX XXXX credit card - XXXX XXXX  DELETE ACCOUNT XXXX  XXXX XXXX XXXX XXXX  XXXX - XXXX   DELETE ACCOUNT XXXX XXXX  XXXX XXXX - XXXX  DELETE ACCOUNT XXXX XXXX XXXX XXXX - XXXX  XXXX ACCOUNT American Express XXXX - XXXX  DELETE ACCOUNT XXXX XXXX XXXX - XXXX  DELETE ACCOUNT XXXX- XXXX  XXXX XXXX  DELETE ACCOUNT XXXX XXXX XXXX XXXX   DELETE ACCOUNT XXXX - XXXX - XXXX  DELETE ACCOUNT XXXX XXXX XXXX  XXXX XXXX  DELETE ACCOUNT XXXX XXXX  XXXX XXXX XXXX   DELETE ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX  DELETE ACCOUNT XXXX XXXX  - XXXX - XXXX  DELETE ACCOUNT XXXX XXXX XXXX XXXX   XXXX XXXX  DELETE ACCOUNT XXXX  XXXX  DELETE ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX  DELETE ACCOUNT WELLS XXXX EFS XXXX - XXXX  DELETE ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX  DELETE ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 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 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 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 2023-02-03
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED 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 explanation
Consumer complaint received 2018-08-20
Company: DISCOVER BANK
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:
On XX/XX/XXXX, I purchased a laptop computer from XXXX with my Discover card. The brand name is XXXX. The computer did not boot up - it was defective, showing a blue screen and error message. We called XXXX and they were supposed to send a CD that could correct the problem. It was never received. I decided I needed to return the computer and obtain a refund. 

I contacted XXXX from which the computer the purchased. Amazingly they reported they had no history of the transaction. ( A few months later they were able to locate the purchase. ) I contacted Discover. They agreed to look into it and gave me a temporary credit in the amount of the purchase ( {$1000.00} ). It posted on XX/XX/XXXX. 

I have contacted Discover by phone and utilized their email dispute service. I have uploaded information indicating that I returned the computer to XXXX on XX/XX/XXXX. 

I uploaded a letter from XXXX indicating a credit was issued to my Discover card on XX/XX/XXXX, XXXX says their investigation is complete and I owe the money. This is absurd and certainly not in keeping with Visa or Mastercard 's  practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-13
Company: EQUIFAX, INC.
State: NC
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$4400.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: EQUIFAX, 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: Account status incorrect

Complaint:
THERE ARE NEGATIVE REPORTING LISTINGS ON MY CREDIT REPORT FROM A COUPLE OF ACCOUNTS THAT SAYING I'VE BEEN LATE ON MY PAYMENTS. BASED ON MY RECOLLECTION, I HAVE NEVER BEEN LATE ON THESE ACCOUNTS. THE ERRONEOUS STATUS OF THE CREDIT REPORTING AGENCIES IS UNACCEPTABLE AND IS PREVENTING ME FROM OBTAINING NECESSARY FINANCING. THE ACCOUNTS ARE : XXXXXXXX XXXX   XXXX # XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: TRUIST FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a XXXXXXXX check  sent to me by a supporter and friend in early XXXX. After XXXX  weeks, the check still had not been cashed, but the bank would not give me back the check to take to another financial institution. They said they could hold it for 90 days and there was nothing I could do about it. Nothing. It has now been far beyond the 90 days and no check and no deposit. No word at all from them.

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 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 FURTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, NC XXXX ; XXXX A XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$330.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$17.00} ; XXXX XXXX  XXXX Balance : {$160.00} ; 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 2023-07-07
Company: WELLS FARGO & COMPANY
State: MI
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:
Wells Fargo did a credit check with out my permission for credit. The hard inquiry took XXXX points from my credit and took my credit score down to XXXX on XXXX XXXX XXXX XXXXXXXX

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 2022-11-08
Company: Experian Information Solutions Inc.
State: CA
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Chime Financial Inc
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In the 2nd time in less then a month Chimes network has gone down leaving me and countless others without access to our money. The first time it happened I was getting groceries and had to put them all back. This time I couldn't make it to work because I was low on gas and couldn't put any in because my card wouldn't work costing me a full days wages. When someone puts their money in a bank they should be able to trust that they can access that money whenever they need it. The fact that Chime 's network went down once is bad enough but for it to happen twice within the span of a month is just unacceptable. Something needs to be done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: CORELOGIC 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:
Dear Sir/Madam, I hope this message finds you well. I am writing to kindly request your assistance in removing some information from my account. According to the law, medical bills under {$500.00} are supposed to be removed and it is a violation of my rights under 15 US code 1681 and 15 US code 1681b to have this information present.

Additionally, I would appreciate it if you could suppress any negative information and update the report accordingly. I understand that it is illegal to place a charge off on a report and send a 1099-C to the debtor.

Furthermore, I have noticed that the reporting across the bureaus is not accurate, and I kindly request that the information be removed immediately. I have attached the relevant report for your reference. 

Finally, I would like to raise a concern regarding the difficulty in accessing my online account. I believe it is unfair to have to pay to see my own data, and I would appreciate if the Consumer Financial Protection Bureau could investigate this matter. 

I would greatly appreciate it if you could attend to this matter as soon as possible. Thank you for your time and assistance. 

Best regards, XXXX XXXX XXXX Account Information : Original Creditor : XXXX XXXX XXXX XXXX Details : {$480.00} ( 0 % paid off, balance updated on XX/XX/XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Collection Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department ( status updated in XX/XX/XXXX ) Contact Information : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone Number : ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: WELLS FARGO & COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Routing Number : XXXX Account Number : XXXX Username : XXXX I have been unable to close my checking account with Wells Fargo. Wells Fargo here assumes all liability for any fees associated with the checking 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 non-monetary relief
Consumer complaint received 2018-08-20
Company: Diversified Consultants, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I looked at my XXXX credit report this weekend and saw credit score had dropped and also had added a Bill with diviserfied consultant XXXX for XXXX. I have never applied for credit or services with company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
Company: Experian Information Solutions 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:
XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2022-01-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Bureaus are reporting inaccurate information on WELLS FARGO CARD SER. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

WELLS FARGO CARD SER XXXX Balance {$1100.00}

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