BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-19
Company: Continental Finance Company, LLC
State: MN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made my payment as agreed. I seen on my credit report that the payment amount due per month was increased to {$94.00}, but I was not informed. I just looked at the payment due and even though I made a payment, they charged a late fee and an unknown fee again. This is now the 7th month in row they have done this type of practice. Not informing me of the change in payment amount is illegal in itself.

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 2023-05-03
Company: EQUIFAX, INC.
State: NC
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
Account XXXX : XXXX Please remove it from my credit report. 

9. there is some inaccurate information reporting. 
XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I did not get {$25.00} cash back offer promised by Wells Fargo XXXX XXXX, and have called them multiple times during the weeks of XX/XX/XXXX, and kept getting inconsistent even illogic answers.

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 2023-10-27
Company: World Acceptance Corporation
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
They are reporting this as a write off but I ever received a XXXX forum when I called to request form they advised theta now they sold the debt to spring oak capital on XX/XX/23 and that they can give me anything because its no longer theres but if it was was wrote off then how can they sell the debt if its wrote off I ask that this be removed off of my credit report completely for inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: EQUIFAX, INC.
State: PA
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 was pre-approved through XXXX and applied thinking this was XXXX. When I found out it wasn't I called before I even received the card and asked that it be closed. Instead they increased the limit and asked me to 'try it out. ' when it came I again called asking the card be closed and was told as long as I never used the card it would close on its own after two weeks. After two weeks I called and was told, and even received a confirmation email that the account was closed. Yet the company is claiming I made purchases on this card they they ensured me was closed and have been billing me ever since. Now my credit is damaged for missed payments to this bank that I am not responsible for. They fraudulently claim your account will close if no purchases are made but then charge an annual fee which they claim is a purchase. I have fought this with the credit bureaus and XXXX is the only one to take it off my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: PA
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 was pre-approved through Experian and applied thinking this was XXXX. When I found out it wasn't I called before I even received the card and asked that it be closed. Instead they increased the limit and asked me to 'try it out. ' when it came I again called asking the card be closed and was told as long as I never used the card it would close on its own after two weeks. After two weeks I called and was told, and even received a confirmation email that the account was closed. Yet the company is claiming I made purchases on this card they they ensured me was closed and have been billing me ever since. Now my credit is damaged for missed payments to this bank that I am not responsible for. They fraudulently claim your account will close if no purchases are made but then charge an annual fee which they claim is a purchase. I have fought this with the credit bureaus and XXXX is the only one to take it off my credit 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 2022-12-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian, XXXX, and XXXX are reporting late payments for account XXXX XXXX XXXX XXXX. I was never late on this account, and the information is inconsistent between the 3 credit bureaus. They were notified twice to validate that this account is reporting accurately on my credit report, but they have failed to do so. I will attach a copy of my credit report to show the inconsistencies between all 3 bureaus. I have tried to have this information corrected for over 2 months, that is why I am now reaching out to CFPB to help with this matter. I am under the impression that the credit bureaus are disregarding disputes because there is no reason that this wasn't handled in a reasonable amount of time. My credit report also has a statement confirming that they've opened the dispute, but I have received nothing to validate this late payment in which I know I was never late. Saying that it was verified by the creditor is unacceptable. This is my credit ; my livelihood and I have the right to see sufficient documentation proving this to be accurate. If I have to bring this to court and hire an attorney, I will be asking for {$2000.00} per violation. At this time, I am only asking for the late payments to be removed and the account to be updated to paid as agreed. If you can not show me your method of validation and how this meets FCRA requirements, then please remove the late payments. I will include the letter as well as the time stamp. Please conduct a proper investigation and update this 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 2022-01-22
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:
I mailed a dispute letter to the three credit reporting agencies ( XXXX, XXXX, Experian ) on XX/XX/2021. I asked the bureaus to delete XXXX accounts because of inaccurate information between the XXXX XXXX  Each bureau is reporting different dates for my date of first delinquency ( see attached dispute letter ). I received my dispute results back from each bureau stating that my disputed information came back verified ( see attached ) ; however I reviewed my XXXX credit reports after they verified and noticed the information did not change from my initial dispute reason with the different dates ( see attached credit reports ). I noticed that XXXX accounts was missing the notice of dispute from the accounts I was disputing. How is XXXX different dates from the same creditors to the bureaus accurate? How did the bureau verify false information? Why didnt the companies send the notice of dispute within 30 days? By law, they should delete inaccurate information within 30 days but yet the false reporting has continued to cause severe anguish and multiple failed opportunities to get approved for any type of credit. I need your assistance and ensure they delete unverified and inaccurate information from my credit report. 

Uploaded documents include 53 pages : Pages 1-2 : Dispute letter Pages 3-25 : XXXX credit reports highlighting inaccuracies Pages 26-29 : USPS tracking and receipt Pages 30-53 : XXXX credit reports showing no change and missing notice of disputes

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 2022-11-12
Company: WAKEFIELD & ASSOCIATES, 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: Was not notified of investigation status or results

Complaint:
I need your help as an elderly person on exempt income who has been played on so many levels and being ignored when I send letters to all these collection agencies, credit reporting agencies and lawyers over 6 months now back in XXXX and XX/XX/2022 of the alleged debts. There has been ZERO responses but harrassment from collections agencies that only caused me stressors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a credit card from CitiBank in the mail on XX/XX/22 but I did not apply for it. It is listed as XXXX XXXX but my name is XXXX XXXX. I called customer service immediately but their automated system does not have a way to connect to anyone. I end up just putting in the account number of the card that was issued and canceled it. I also asked for an email receipt of the cancellation but I did not get it. I don't know if any charges occurred or not but I never activated the card so I am hoping not.

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 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The unverified items indicated below continue reporting on my credit report despiteseveral written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you donot validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-24
Company: EQUIFAX, INC.
State: CO
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:
I recently closed and paid in full an account with XXXX XXXX  XXXX. There should be XXXX balance listed on the account. I have filed multiple disputes with all XXXX credit bureaus and also contacted XXXX XXXX. They gave me an attached letter stating that the account is paid in full and with a XXXX balance. They have repeatedly failed to report the correct information to the credit bureaus and all XXXX credit bureaus have failed to do a proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: Opportunity Financial, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2021, my XXXX bank account was hacked. The scammers accessed several accounts and reversed payments from different merchants I paid in full. One of the payments that reversed was for a company called OPPloans. On XX/XX/XXXX, I called XXXX to change the {$390.00} reversal claim because it was fraudulent. XX/XX/2021, I contacted an Oppsloans representative named XXXX XXXX in the customer complaints department. Because I was charged for two loans, I called the bank to stop paying for the other loan I was waiting to clear through Visa. Five Months passed, I continued to check my bank and my Opploans account to see if it had been credited in any of the two versions. I filed a complaint with the consumer protection bureau against XXXX in XXXX. XXXX investigated my complaint and revealed that Opploans had been credited the money over 45 days ago, but my Opploans account remained the same. I am a long-time customer of OPPloans, and I feel mistreated. I wonder if they treat other customers in similar situations the same way. The way I am being treated is unethical and immoral.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: EQUIFAX, INC.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple Equifax Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: CAVALRY INVESTMENTS, LLC
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/2023 I went to civil court for a furniture payment for damaged furniture that I was not able to pay for. It was dismissed immediately and it is still being reported as collections. Calvary Portfolio I Spv never even showed up in court! The continue to report negatively it needs to be reported as zero and reported honestly. It is fraud and I need help please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-29
Company: U.S. BANCORP
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XX/XX/XXXX, an illegally anonymous individual at US Bank falsfied claims about a single {$330.00} check normally endorsed and deposited, processed 1x per the customer who provided copies of both sides of the check, and involved a business protected by the debt collections laws as a strategy the bank staff are not familiar with, who were served with a Cease and Desist almost the same day, and went on for {$15000.00} in damage infliction with mail fraud, wire fraud, accounting fraud, bank fraud, blocking the use of their names, sending anonymous letters from other states US Bank offices with return addresses in IL, and moving on to falsified claims about US mail addresses for another 5 months after this was shut down on CFPB, as persons continuing to claim that they can resurrect their not nuisance filing at this level of malevolent damage infliction meeting IL criteria for XXXX by the bank employee ( s ) personally, demanding their victims " live in the poverty '' like a XXXX. The bank sent out completely different false claims to every mediator, and openly conducted this dispute they refused to drop formally even via CFPB when they did for the criminal purpose of stalking the victim and inflicting severe egregious damage infliction while hiding names and sending junk from out of state calculating they can get away with it. It is necessary to forcibly expose them and shut them down now 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
Consumer complaint received 2022-01-22
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Please look into these fraudulent accounts on my report it has been months and these accounts have not been validated on my credit this has really cause a problem for me to get my house and car I have medical bills that are disclosing my medical history thats a hippa violation and I have not received any information as to how these accounts have been validated on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: MD
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.

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 explanation
Consumer complaint received 2016-10-29
Company: U.S. BANCORP
State: IL
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Fraud or scam

Complaint:
The gift card that I purchased has had fraudulent charges placed on it and I have lost nearly all of the value on the {$200.00} prepaid U.S. Bank MasterCard gift card that I purchased from Office Depot. I did not make the purchases and I still have possession of the card so I 'm not sure how these charges were even made.

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