BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-14
Company: Continental Finance Company, LLC
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Finance Institution : Continental Finance Card : XXXX  XXXX I have been attempting to have my undelivered credit card replaced for over 6 months without success. I called their customer service as instructed and they then directed me to the card replacement department. Here are the issues I experienced : - They did not send me a replacement card as they said they would. 
- When you call the card replacement services, they ask for your full card number which is not on your statement or online profile. 
- After several attempts calling their customer service to resolve the issue, they kept directing me to card replacement services. When you speak with card replacement services, they redirect you back to the lost/stolen department. 
- After asking me for my phone number to verify my account so they could send me a message showing they were sending me a new card, no message came through. So, the representative proceeded to tell me that I would have to talk to customer service because I didn't receive the " alleged message '' he sent. When I asked him which number he sent it to, he told me that he didn't have a phone number on my profile, and tried to redirect me to customer service. 
- When they originally said they were going to send me a new card, they charged me over {$100.00} for replacing the new card. 
- The company does not give you the option to cancel your card on their website. 
- When I spoke with the lost/stolen department and was not satisfied, I asked to speak with a manager. A woman gets on the phone and takes all of my information again and says that she would replace my card immediately. She stated that I was being transferred to card services. Music played in the background for 2 minutes before the phone just hung up. When I tried to log into my account after the phone hung up, it stated that I was blocked from accessing my account. 

This company is a total fraud that has been giving me the run-around for months. I would like for them to be investigated for fraudulent practices.

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 2023-08-17
Company: Experian Information Solutions Inc.
State: OH
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 currently have four fraudulent accounts appearing on my credit report. 

1. XXXX XXXX  XXXX {$160.00} 2. XXXX XXXX XXXX {$240.00} 3. XXXX XXXX {$190.00} 4. XXXX XXXX {$230.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
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:
The following creditors are reporting accounts that were opened fraudulently without my consent or knowledge. 

XXXX XXXX XXXX XXXX account # XXXX {$1900.00} opened on XX/XX/XXXX XXXX XXXX account # XXXX {$1400.00} opened on XX/XX/XXXX XXXX XXXX account # XXXX {$55000.00} opened on XX/XX/XXXX XXXX XXXX account # XXXX {$1700.00} opened on XX/XX/XXXX XXXX XXXX XXXX  Account # XXXX {$690.00} opened on XX/XX/XXXXXXXX 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 2018-03-10
Company: LUMINATE HOME LOANS, INC.
State: MN
Product: Credit reporting, credit repair services, 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:
On XX/XX/XXXX, I submitted an online application at AMEC mortgage giving permission to pull my credit for a loan. Two weeks later, AMEC pulled my dad 's credit to add him to the mortgage and accidentally pulled my credit a second time. Through several email exchanges, this is what they determined. 

The following are the emails from AMEC mortgage : XXXX we pulled your credit XX/XX/XXXX when we added your dad, XXXX pulled credit again because he did it on you and your dad. ( he really didnt need to pull yours again, but I think he forgot and pulled them as a joint account ). I have since called credit plus and they separated the 2 reports and the ones we will be using for your loan are the ones dated XX/XX/XXXX. We cant fix this but it doesnt make that much of a difference. I apologize for XXXX. 

Email from his assistant : Please dont dispute this, it will show up on as a dispute and it will affect the loan approval. Every file has a soft pull 10 days prior to closing and that is where the dispute will show up. In order to get the loan re-approved, you would need to remove the dispute. I would suggest you dispute after you close, but not before. 

Credit was pulled ( not arguing that ) but they say when it was pulled on XX/XX/XXXX and that it was a mistake. I was later told not to dispute it until after closing because it would hold up the loan process. So I waited. In the meantime, XXXX XXXX, the mortgage lender in charge here and I had a falling out due to terrible ethical practices that my realtor would love to be a witness to in court. It should be noted that XXXX owned a house on the same street that he was putting on the market shortly after my closing date. I wrote a bad review on XXXX and now XXXX XXXX is now retaliating against me by refusing to remove the accidental credit inquiry which has impacted my credit negatively. This is a hardship on my way of life and now I fear more retaliation since he has all of my personal information.. This has caused undue emotional stress and anxiety. 

I filed a dispute with the reporting company and XXXX XXXX refused to remove the mark and sent a condescending letter. I just want my credit fix that he ruined through terrible business practices.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
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:
THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED. 

I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES.

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 2023-08-17
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX accordance with the Fair Credit Reporting ACT XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX - XXXX account # XXXX, XXXX XXXX XXXX account # 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 an account without my written instructions ( 2 ) In accordance with the written instructions of the consumer whom it relates Did I give you written instructions to furnish this in my credit report?

Furthermore, The Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( 1 ) exclusion from a credit report state : ( 2 ) Exclusions. - except as provided in paragraph ( 3 ). The term consumer report " does not include - ( A ) Subject to section 1681s-3 of this title, any - ( i ) report containing information solely as a transaction, or experience.

Between the consumer and the person making the report.

Delete these above account from my consumer report, this agency is in violation of 15 USC 1681 According to U.S.C 1681n ( a ) ( 1 ) any damages sustained by the consumer as a result of failure or damages of less than {$100.00} and not more than XXXX. 

I want XXXX per violation, or the negative item immediately removed from my credit report. 

You did not get my written consent to create a credit report. 

Please send me a copy of my updated consumer report reflecting these changes. 



Violations : 15 USC 1681 ( a ) ( 4 ) rights to privacy.

15 USC 1681 ( b ) ( e ) false information.

15 USC 1681 ( b ) did not use way is fair and equitable to the consumer in reporting negative allegations without written permission 15 USC1681b ( a ) ( 2 ) need written permission.

15 USC 1692 ( f ) 15 USC 1681n

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 2019-08-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it may concern, We already filed a complaint for this loan however the response given was completely beating around the bush and the concern was never addressed. A loss mitigation submission was submitted for review to Select Portfolio Services on XX/XX/XXXX. On XX/XX/XXXX we were told the file had been denied due to excessive forbearance as well as the client exhausted all of her loss mitigation options as it was stated she used the maximum amount of modifications the investor allows. I have made several requests through the ombudsman for copies of the three modifications the lender claims she has received. These requests have been requested since XX/XX/XXXX and several calls have been made and each time we were told the modifications would be sent to us. As of now, a copy of the modifications the lender stated this client has had and as of XX/XX/XXXX I have only received 1 modification from XXXX. The issue I have with this is the terms of the XXXX modification do not match her current terms which would make any amounts due from XXXX moving forward incorrect and also would change the way the file should have been reviewed for loss mitigation. Also stating the client has had 3 or more modifications when the servicer can only produce one is dangerous because the investor is being misled to believe they have given three modifications. This client has a legitimate hardship and has the ability to make a modified payment. At this time I am requesting the following. A hold be placed on the sale date for XX/XX/XXXX. I am again requesting a copies and proof of all loan modifications the client has received since the loan was taken out. I am also requesting a new loss mitigation review be done based on the corrected numbers and balance as previously stated the number and terms from the modification that is on file does not match current terms.This client has owned her home since XXXX and wants to save her home along with her children who love their home. This client can afford a newly reinstated restructured mortgage. However they do not have the correct balance or terms for this loan as they claimed there are multiple mods and there are not and have yet to provide the proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
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 recently reviewed my consumer report and noticed an unauthorized collection account reported on my consumer profile. I have sent notices to the company requesting them to remove the reported account, while also informing them they do not have consent/ permissible purpose. They have totally disregarded my request and continue to violate my consumer 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 2019-06-24
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I enrolled my Lowe 's credit card ( issued by Synchrony Bank ) into Auto Pay on XX/XX/19. I had a payment due on XX/XX/19. My account was never deducted the auto pay amount and I was charged a fee. I checked the day of the due date and the website indicated that my auto pay was " on ''. When I called customer service, they indicated that it can take a cycle or two to have this feature activate. However, as I mentioned, the online portal indicated that this was actually " ON. '' I was reimbursed the late fee, but I feel that this is a deceptive practice by the bank. Their online account portal should accurately reflect the current state of auto pay to eliminate confusion.

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 2023-09-21
Company: Experian Information Solutions Inc.
State: TX
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:
My rights have been violated according to the law. Late payments are illegal. If my transactions are not on my consumer report how there be a late payment if the transactions are not included on my consumer report.

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 1681 A ( 2 ) A1 states ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer

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 2023-06-22
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: 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 XXXX XXXX XXXX XXXX is and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-06-02
Company: Nelson Cruz & Associates LLC
State: AK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX  I noticed my report showed a collection but I did not give written permission for 3rd parties to furnish this information on my credit report according to Consumer Law 15 USC 1692c 805 that I have a right to be notified in writing but not have a thing. Attached is the report on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
State: NY
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:
My name is 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. Please delete the accounts : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } { Credit Bureau : XXXX XXXX XXXX } { Credit Bureaus : ALL 3 } { XX/XX/2022 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XXXX } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX XXXX XXXX }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX XXXX XXXX ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXX k }

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 2022-05-14
Company: EQUIFAX, INC.
State: IL
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
So a few month 's ago, my wells fargo account was broken into and someone deposited a fake check, sent the money to 2 separate accounts then when the check bounced my account was overdrawn XXXX dollars, and I tried submitting multiple claims, got transfered multiple times and waited long periods, finally got the claim and they denied it a few days later. Cut to now and they closed my account and sent my balance to debt collectors and I'm still working on trying to get this issue resolved and the same problem happened where they kept transferring me and barely looked into my case. They keep saying I authorized it but it happened when I was asleep.

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 2020-04-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have a Citi premier credit card, suddenly i am not able to login to their online portal. since i don't receive any paper statements for my credit card transactions, it is really important to monitor my transactions online. I tried to reach customer service and called 3 times, each time i have to wait for an hour. 3rd time, after waiting for an hour, i am able to talk to customer service representative, but she directed my call to somebody, which i waited for another hour in the queue, nobody answered finally.

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