BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-19
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:
I received a credit report notification from Experian. Upon downloading my report, I found a fraudulent personal loan on my account that was issued by XXXX XXXX for which I have no knowledge of. Upon calling XXXX and providing my name, they assured me that there is no personal loan under my name and that I should have Experian and XXXX contact them to remove the account from my credit report. I disputed this account with Experian and they said that this loan information came back as accurate with someone named XXXX XXXX ( under the impersonator address XXXX XXXX XXXX XXXX XXXX, CA XXXX ) opening a joint account at XXXX that has some association to my name I would like to file a police report of fraudulent activity and note that my identify may have been stolen and fraudulently used to issue a personal loan to someone who I do not know and have no association with

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 2022-09-22
Company: 1st Franklin Financial Corporation
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I started receiving calls from XXXX Franklin Financial located at XXXX XXXX XXXX, XXXX, SC XXXX on XX/XX/2022 stating that I cashed a check that was delivered to my old address at XXXX XXXX XXXX XXXX, SC XXXX. I have not lived at that address in over a year and it's even on my driver 's license and my current bills show my new address. I asked for a copy of the check and the signature did not match mine at all. When I asked what account was it deposited to, they couldn't tell me. I have now been served by the XXXX XXXX XXXX XXXX for a lawsuit against me made by Franklin Financial. I have been looking for a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: Experian Information Solutions Inc.
State: LA
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:
On XX/XX/2021 I sent letters to XXXX XXXX about wrong balnace reporting on my credit report. I have paid them in full and that should be reporting. unfortunetely its reporting that I owe {$340.00}. Thats inaccurate. I owe {$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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX sold the balance to XXXX XXXX I PAID the account in FULL to XXXX XXXX XXXX. XXXX XXXX XXXX " removed '' the derogatory information but somehow, XXXX XXXXXXXX XXXX XXXX XXXX XXXX is still reporting " NOT PAID / COLLECTIONS / CHARGED OFF '', as opposed to " PAID IN FULL ''. I've notified XXXX XXXX XXXX  " MULTIPLE '' times only to be told to call XXXX myself. XXXX XXXX XXXX did their job and completed the process. XXXX XXXX is non-responsive. I'll NEVER do business with them again. They are NOT a BEST PRACTICES/ BEST IN CLASS service. 

I would like XXXX XXXX XXXX XXXX XXXX XXXXXXXX to UPDATE and REMOVE derogatory information from all 3 credit bureaus.

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 2023-07-21
Company: EQUIFAX, INC.
State: NV
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:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit 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:
Capital One requires the complaint be done by phone, then says they do not keep the recording or transcripts of the call. Then they require it to be in writing, and then they deny that and require more information. It has been since XX/XX/XXXX and a few iterations. I am providing the same information and both companies are trying to say that a hotel room booked through XXXX is not fraud when I was not able to stay in the pet friendly room due to a large puddle of XXXX in the floor and an overwhelming odor of XXXX filing the small room. I requested they clean they room. They refused to clean the room, and refused a refund or proof of cancellation. 

I contacted both XXXX and Capital One the moment I left the hotel, because I needed help with getting access to those funds that day. I had to sleep in my new apartment floor ( tile ) on a yoga mat for two days. This hotel most certainly should not be paid and needs to be shut down for health code violations. 

Capital One and XXXX are not protecting consumers. Capital One is harassing their own customers to deny legitimate claims .. this is one of several this year they have utterly harassed me over when they had more than adequate evidence to support the fraud claim. I am told I must call to file a dispute. Then I am sent a letter I am told I do not have to fill out, and then sent a letter saying the dispute was denied because it was not filled out, and then the circle of crazy that is wasting time and making it harder and hard to keep up with goes round and round while the three corporations make money while the consumer get exactly ZERO VALUE!! They are saying that services not received due to a unsanitary conditions that pose a health hazard is not fraud. They say it is a dispute on a legitimate charge. REALLY??? 

NO! They are creating a triangle where the consumer gets screwed. So XXXX gets their cut, Capital One gets their interest, and the hotel that should be shutdown gets to make money they did not earn for unsanitary conditions!! That is exact what FDIC was created for .... NOT! 

Capital One Case # : XXXX... with XXXX for {$190.00} Capital One Case # XXXX .... XXXX XXXX XXXX {$40.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: NY
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my another request to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-12
Company: Consumer Portfolio Services, Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have been a customer of Consumer Portfolio Services for the last year. Unfortunately, in XXXX I started getting sick and found out I had XXXX. I was hospitalized on and off and the doctors have determined I am considered a " XXXX XXXX XXXX XXXX survivor. I've been XXXX XXXX times in the last few months, some lasting over a week. I fell behind on my payments and initially contacted CPS in XXXX after receiving emails saying they could help. I was made to feel like XXXX for needing help. I was told to borrow the money, I don't have anyone to borrow it from. Finally I was told they could extend my XXXX payment out to XX/XX/XXXX, but that my XXXX payment would be due XX/XX/XXXX and Id have to handle {$220.00} in late fees. Basically all they would do is move XXXX payment. I agreed to it because I was worried about losing my car and they gave me no other option. Unfortunately my return to work was delayed until XX/XX/XXXX due to my most recent XXXX. I did not be getting a paycheck until XX/XX/XXXX. I used livechat to see if I can do something about XXXXLate fees. And start with a clean slate. I was basically told that they'll send an email to upper management but they can't promise anything. CPS has been the ONLY company unwilling to assist during this rough time. My mortgage company, utilities, every other company understood my situation and was willing to work with me but CPS refuses to budge. All I'm asking for is the payments to be deferred to the end of my loan so I can start with a clean slate in XXXX. I've tried reporting to the XXXX and this company has not responded to them over a month later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I have made XXXX different Wire transfers to a bank account in XXXX : XX/XX/2021 {$3100.00} XX/XX/2021 {$7800.00} I have discovered XX/XX/2021 that the person I have sent the money to is a scammer and I have made a claim the same day to my bank Chase which they lost and had to make a new XXXX XX/XX/2021. I have spent XXXX hours in total over the phone with my bank to find out what's wrong and still did not get any reply. I could not go to work for 2 days trying to get information and help from my bank without a result. 

I made an appointment today with a Chase banker. He called the claim department and they told him the claim they did was rejected by the receiver 's bank and there's nothing they can do because it's a wire transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX XXXX and Discover have filed a law suite against me in XX/XX/2019 at XXXX XXXX XXXX Superior Courts | XXXX Courthouse | Contract and they have been XXXX, harassing, intimidating, threatening, and assaulting my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am in the process of purchasing a second home and the loan from my current home is showing late payments and inaccurate information regarding a bankruptcy that i had in XXXX, it shows Bankruptcy was in XXXX. There has never been late payments for this mortgage and XXXX XXXX XXXX wants me to fill out reaffirmation paperwork which is not allowed in the state of Arizona. Since this loan was not reaffirmed after the bankruptcy it is not even supposed to show up on my credit reports. XXXX and XXXX do not show this but experian is showing this inaccurate information. I have spoke with experian and they have filed a dispute for me, but XXXX XXXX XXXX keeps wanting me to hire a lawyer to reopen my bankruptcy to fill out reaffirmation paperwork but my lawyer says that is not possible. XXXX XXXX XXXX states that I have made all my payments and on time but seen to be dragging their feet in correcting the matter. I have been on a 3 way call with them and experian but no resolve to the situation. Time is of the essence since I will lose the house and my earnest money on XXXX XXXX if this is not removed from my credit report with experian.

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 2018-08-06
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: Account status incorrect

Complaint:
XX/XX/2013 we traded in the vehicle financed by XXXX for another vehicle through XXXX XXXX XXXX. Our credit report is stating that we were late in XX/XX/XXXX, XX/XX/XXXX and XX/XX/2013. It further states that this account was charged off when in fact it was paid in full. I spoke with XXXX in detail and wrote a letter the dispute department to them stating all of this and providing them with a copy of our Retail Installment Sale Contract dated XX/XX/2013. XXXX claimed they didn't get paid until XX/XX/2013 from XXXX XXXX XXXX and therefore what they have reported to the credit bureaus ( s ) stand.

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 2021-09-13
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC
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 belongs to someone else

Complaint:
reinvestigate please. 
It has been brought to my attention that XXXX XXXX has listed NON-SUFFICIENT FUNDS on my ChexSystems file. To my knowledge, I have never had Checking Account with XXXX XXXX. I am therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. To my knowledge, I have never had negative listing with XXXX XXXX. I am therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation from XXXX XXXX including copies of any documentation associated with this negative listing which bears my signature. In the absence of such documentation, I request that this negative listing be permanently removed from my ChexSystems report.

This Notice is to confirm that your claim is disputed under 15 USC 1692 et seq. Please verify under oath that this claim is valid, free from any claims and defenses including but not limited to : any breach of agreement, failure of consideration or material alterations, and that the original lender provided value. Further, that the alleged account was transferred in good faith and by the consent of all parties involved.

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 2021-11-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My car was repossessed and capital one auto told me if I paid XXXX cash when I got the car put that they would forgive the remaining balance and the car would be paid off and loan would be final. I did just that and now they are still charging me for the rest of the loan. I called and the manager said even if they told me that that no conversation would be worth XXXX. I wouldn't have paid XXXX if I would have known they weren't going to forgive the remaining balance so now the car will be up for repo again bc I haven't paid any payments since paying the XXXX. This happened in XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: NC
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 am XXXX XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXXXXXX Balance : {$590.00} XXXXXXXX XXXX  XXXX Balance XXXX {$8100.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance XXXX {$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 non-monetary relief
Consumer complaint received 2015-08-22
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Collection Consultants have reported XXXX medical collections on my credit report that should not have been reported for several reasons. 1- I have insurance and the medical bills were 100 % covered by my medical insurance. Any bill that would have not been paid XXXX 100 % I did not agree with and I would have disputed. 2- I was never notified that they were attempting to collect a debt. Collection Consultants made NO EFFORT at all to reach me and validate these XXXX minor medical collections. I have lived at the same address for several years and have received no correspondence from them at all nor any verbal communication. As they never validated this debt they do not legally own the debt and to not have a right to report something they do not own. I have had the same phone # for 15 years. This is in violation of both FCRA and the Fair Debt Collection Practices Act. 3- they NY Attorney General has settled with the reporting agencies regarding medical collection accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit 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:
Was offered {$200.00} credit after spending {$500.00} in 3 months which I did plus other benefits. Refused to pay offered benefits. On XX/XX/2023, I wrote after sending several previous letters. Company still refused to pay the card benefits.

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 2017-12-29
Company: Federal Pacific Credit Company, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Their license is expired in XXXX XXXX XXXX, Utah and they 're not licensed in the State of Florida. 

License Type : Consumer Collection Agency Status : Expired Status Effective Date : XXXX/XXXX/XXXX Original Date of License : XXXX/XXXX/XXXX License Number : XXXX License Expiration Date : XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-07-19
Company: Experian Information Solutions Inc.
State: LA
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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief