BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Experian was to validate the information from my credit bureau report file. XXXX notified me to contact Experian at XXXX, with the following reference number : XXXX. 

I am trying to pass verification with XXXX, which requires Experian to validate my identity. 

The female representative stated that Experian was unable to verify my identity. When I disputed the accuracy of their information and requested an investigation, the female representative disconnected me. The call was presumably recorded, or should have been. 

Experian needs to make a bonafide attempt to verify the accuracy of any information it disseminates to other sources. This reporting of inaccurate information is unacceptable by any standard. Furthermore, their misreporting is preventing me from obtaining proper clearance with XXXX. 

The only acceptable remedy is for Experian to correct their information and validate my identity, which has been a matter of record for the past several decades.

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 2018-03-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account at Wells Fargo branch ( at the XXXX XXXX XXXX XXXX XXXX, CA XXXX ) with the offer code " XXXX '' which is a {$300.00} bonus offer for a opening a checking account. The Banker ( XXXX XXXX XXXX ) and the branch manager reviewed my Wells Fargo history relation and informed me that I am eligible to open the account with this promotion. 
Under the offer the account must receive a total direct deposit of {$1500.00} for 3 consecutive months. I met this requirement. 

The Banker and the branch manager informed me that I meet the Additionall requirements as follows : you can not be 1. A current owner on a Wells Fargo consumer checking account ( which I as not ). 
2. A Wells Fargo team member ( which I as not ). 

I met all of the requirements, and the {$300.00} bonus was needed to be deposited into my account on XX/XX/XXXX. 

Another requirement is that that you can only receive one consumer checking bonus in a 12 months period ( limit one bonus per customer ). 
I did received a promotional bonus on XX/XX/XXXX. The terms say " A recipient of a consumer checking bonus in the past 12 months. '' The bonus was supposed to be credited into my account on XX/XX/XXXX, which is more then 12 months from the previous one that I received on XX/XX/XXXX. 

The terms and conditions are very clear and they are not ambiguous. Based on the clear terms and conditions the Bank is legally required to pay me the {$300.00} bonus. 

Furthermore, the Banker and the Branch Manager, at the time of account opening, reviewed my profile and bank history with Wells Fargo, and they saw in the system that I received a bonus in the past, on XX/XX/XXXX. They read the terms and the condition and told me that I am eligibility for this offer. Therefore, they opened my account and applied the promo code " XXXX '' into the system. If this was not the case, they needed to informed me than and then that I am not eligible to this offer. Furthermore, they will not opened the account and applying the promo code into the system.

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 2020-08-24
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The dates are XX/XX/20 the amount is {$860.00} : This account is not mine. the actions I have taken is contacting the collection agency, contacted the credit bureau and mailed a letter to the collection agency. 

When contacting the collection agency I informed them that this account was not mine. I had never had an account with the merchant. The agency had an address that I had never resided, there were several things that did not match my personal information. As I requested for them to remove the information, they informed me before doing so they will have to report to the merchant. I then asked for any information they obtained in their investigation such as applications, contract agreements signature cards etc.. I was told someone will call me back. I included that I have a right under the FCRA to be privy of any information regarding any derogatory items on my credit report. I have yet to receive a call back from anyone pertaining to this matter. I also made it clear that I have a personal statement included on my report that cleaarly states, before granting credit to contact me under the FCRA

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 2020-08-24
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Credit Acceptance told me they were sending me a form to dispute the 90 day late on my credit report. I have not yet received that form. they reported me 90 days late in XXXX on my credit. This is ridiculous, how can I go from OK to 90 days late? they said I was in a Coronovirus Relief Program. This is not helping me as a consumer. I DEMAND HELP!

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 2018-10-11
Company: Mid-Atlantic Finance Co., Inc.
State: SC
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:
Mid Atlantic finance company in XXXX Florida keeps reporting negative information on my credit report for an old car loan that should already be off of my credit report. They keep changing the dates of when the account was actually closed so they can remain on my credit longer. It is a closed account they bought My loan from a buy here pay here back in XX/XX/XXXX. They repossessed the vehicle in XX/XX/XXXX. I never made one payment to them. They keep changing the closed date to different months in XX/XX/XXXX. They continue to wait until my score is up and then start back negatively reporting causing my score to drop over a XXXX points. I would like to have them removed from my credit. My XXXX XXXX account shows this has been reporting 7 years and 9 months on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 account below is not mines. i have disputed this more than 4 times over the past XXXX years. I have also file complaints with the State of Florida AG. 

COLLECTIONS XXXX XXXX XXXX Opened XX/XX/XXXX {$4000.00} Original creditor : XXXX XXXX XXXX XXXX These inquiries I didnt not authoirze. I can provide proof. I only asked dealer to go through one bank and they sent application to 8 banks. 

Inquiry details XXXX XXXX I Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Finance XXXX XXXX I Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX XXXX from XX/XX/XXXX Finance XXXX  XXXX Inquiry from XX/XX/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 2020-08-24
Company: EQUIFAX, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX   XXXX {$550.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$150.00} XXXX XXXXXXXX XXXX {$1400.00} XXXX XXXX {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Experian Information Solutions Inc.
State: CT
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:
I have submitted disputes to you and I didn't get a response within 30 days and you are required by law to do so. Please investigate my disputes, please. Thank 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 non-monetary relief
Consumer complaint received 2021-04-05
Company: EQUIFAX, INC.
State: SC
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:
This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following account and remove late payment on it. You are reported totally different or missing information on my XXXX XXXX XXXX account. I attached copies of my annual credit reports so you can find wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
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:
I sent XXXX XXXX XXXX a certified letter dated for XX/XX/18. My credit report has an account listed owing {$290.00}. XXXX removed this error with no issues, but XXXX and Experian have not. I disputed this account several times because I did not open it. My social security number was placed on XXXX by an unnamed individual seeking revenge against me. There were several accounts open without my permission. I completed an identity theft report and forwarded it to XXXX XXXX, along with my driver 's license and social security card. They have refused to remove this error, even after receiving documentation. I am concerned that they will continue to ruin my credit with the continue reporting of fraudulent information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05
Company: Experian Information Solutions Inc.
State: SC
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:
This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following account and remove late payment on it. You are reported totally different or missing information on my XXXX XXXX XXXX account. I attached copies of my annual credit reports so you can find wrong information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Rosebud Economic Development Corporation
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX I emailed a letter to my quick wallet to revoke ach authorization and also a do not call me at my employer 's. Due to COVID19 my hours have been reduced and my ability to pay has been affected. My quick wallet has since called my job twice and is threatening to continue calling if I dont make a payment. My employer has expressed these calls are not acceptable and I have received two warnings. I have tried to explain my situation and as soon as I am working fulltime I can start making payments again.

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 2020-05-12
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2020, I took out an auto loan with Ally Bank XXXX, XXXX XXXX. XXXX XXXX, XXXX, MN XXXX. Ally did a credit check which lowered my credit score. However, I have made 3 payments, all on time, yet as of today, Ally has not reported my on time payments to any of the three major credit bureaus. I truly believe, if I had failed not to make my payments on time, Ally would have promptly reported this negative information to the credit bureaus. For example, my XXXX payment is not due until XXXX, 2020, yet I made my payment on XX/XX/2020. In an effort to resolve this matter, I called Ally on XX/XX/XXXX, and emailed my complaint to them on XX/XX/2020. They have failed to respond. I called them back today and I received no answer as to why my account has not been reported. 
I am in the process of trying to qualify for a much needed mortgage for my family during these very trying times. Therefore, I am requesting CFPB help in forcing Ally Bank to do the right thing and immediately report my account to the three major credit bureaus. Their accurate reporting would help raise my credit score which could provide me a lower mortgage rate, which in turn will provide some much needed financial relief to my family.

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 2018-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I called the credit Bureaus to report unauthorized inquires on my credit file, and I was told to contact the companies directly it was nothing they could do on XXXX. I spoke with all the companies listed below and was told I had to contact the Bureaus for the unauthorized inquires on my credit file. These are fraudulent and need to be removed as soon as possible. The fraudulent accounts are listed below ... 

XXXX XXXX XXXX ran in inquires listed below : A total of 5 times on different days without authorization. 
XXXX XXXX XXXX : Inquiry dates : XXXX, XXXX, XXXX " claimed they didn't run my credit '' after I spoke with them on XXXX. 
XXXX XXXX : Inquiry dates : XXXX, XXXX " claimed they didn't run my credit '' after I spoke with them on XXXX XXXX XXXX XXXX ran the inquiries listed below without authorization, a total of 8 times. I went to the dealership XXXX and requested to speak with the manager XXXX and informed him I didn't authorize these inquires : XXXXXXXX XXXX   inquiry date : XXXX XXXX XXXX : XXXX XXXX XXXX   inquiry date : XXXX XXXX XXXX XXXX XXXX inquiry date : XXXX XXXX XXXX XXXX inquiry date : XXXX XXXX/XXXX XXXX   inquiry date : XXXX XXXX XXXX XXXX inquiry date : XXXX XXXX XXXX XXXX : inquiry date : XXXX These companies all been contacted individually by phone and I was told to contact the credit Bureaus after I explained to the companies that I had already spoken the each credit Bureaus and the Bureaus had to me contact each company because they couldn't do anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  error on report The loan has been paid off

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have disputed the late payments XXXX, XXXX, XXXX & XXXX on this XXXX XXXX XXXX for months. XXXX and XXXXn have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX   on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
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 is missing that should be on the report

Complaint:
I understand how important it is to make timely payments However, I missed payments in XXXX and XXXX of 2017 that went 30 and 60 days late with XXXX XXXX, XXXX, XXXX  and XXXX  XXXX XXXX. On XX/XX/2017 I was in XXXX XXXX XXXX having a XXXX XXXX  in which I was only suppose to be in the hospital for 5-7 days.Due to complications i spent XXXX and XXXX in the XXXX  and was not released from the hospital until XX/XX/2017. During this time I was unable to attend to my finances. Prior to this date I had not had a late payment with these companies nor have I since. I will attach a letter from my doctor.

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 2020-08-24
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX  XXXX {$1200.00} XXXXXXXX XXXX XXXXXXXX {$140.00} XXXX   XXXX {$760.00} XXXX XXXX XXXX {$190.00}

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 2020-05-12
Company: EQUIFAX, INC.
State: OK
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$650.00} XXXX  XXXX XXXX {$94.00} XXXX XXXX {$4000.00} XXXX XXXX XXXX {$95.00} XXXX XXXX XXXX {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Bank of America edd prepaid cards closed my account on XX/XX/XXXX for reason unknown. when trying to find out why this happening i learn why I found that it the hands of fraud. I have had no luck in contacting them to learn the reason why. they just reuse to answer there phones. As for fraud i have done no such things. Yes I spent a lot money but it all been for relaunching my business and they unfair closed my account due to this is my assumption. as of now they took away my only way of surviving without ever one time talking to me about what going. I didn't do anything I m very upset. this is unfair. I have little over XXXX $ lift in there and 2 more week of unemployment benefits XXXX $ i can no longer clam that been award to me by the state and gov. i need help they won't tell me anything

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