BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-16
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:
XX/XX/20 EXPERIAN contacted XXXX XXXX XXXX ( # XXXX ) and stated I claimed fraudulent activity on the account. to date EXPERIAN has not provided any proof that this occurred but has communicated this FALSE information to XXXX AND XXXX. I have attempted to correct this Egregious for 3 years and due to EXPERIAN 's negligence it has affected my consumer report ( including XXXX & XXXX ) and my fico/vantage scores, I have lost financial opportunities, embarrasment and anxiety/mental health issues.

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 2018-11-18
Company: Experian Information Solutions Inc.
State: WI
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:
XXXX Details Account # XXXX A payment was sent but never received. I have had a perfect payment record and te company is reporting a payment having been late.

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 2021-11-29
Company: First Advantage LNS Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section XXXX23 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

XXXX XXXX XXXX XXXX Opened : XX/XX/2021 Balance Owed : {$7100.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-11
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
A loan request ( refinance ) was done XX/XX/2019. It was denied. 
Verbally, a representative took the complaint regarding the extra interest. Chase refused to refinance and never addressed that. Chase sent papers for " voluntarily surrendering '' the vehicle. Using Chases secure messaging a request was made asking that Chase " waive the defiency ''. This was also denied. When the vehicle was purchased I was told I could refinance in 6 months. That was not true.There were several misconceptions. 

During this time Chase phoned no less than 8 times, which would have been great had I known it was Chase. The calls were all toll free and I thought they were robotic calls trying to get money. Also, I did not know how to retrieve the voice mail. My wife got them all today Monday XX/XX/2019. When I became ill my wife stopped working to care for my needs. So the extra income we had was gone. A lower interest rate would have really helped during this difficult time. It is emotionally and financially draining. 

Late fees were applied more than I can remember. No matter if the payment was on the XXXX or XXXX day of the month, there was a late charge. That was never addressed. Verbally, Chase said " payment isn't late till the end of the month ''. That wasn't true. This was also a hail damaged vehicle. Because of my XXXX I couldn't see all the damage on the top of the care. 
Below is what I believe has happened with me ; Article by XXXX XXXX " The editorial page of the XXXX XXXX XXXX recently weighed in on an important but underappreciated aspect of the financial crisis : The systematic targeting of communities of XXXX for risky and unfair loans. As the XXXX put it : Pricing discrimination illegally charging minority customers more for loans and other services than similarly qualified XXXX are charged is a longstanding problem? '' After the fact of dealing with Chase, several articles have stated that higher interest rate loans are given because they know you will default because rates are too high to be paid back. Shame on Chase. 
Being an older person I thought I would be treated fairly and without partiality. That isn't true. 
We are doing the best we can under our circumstances. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My Comenity-XXXXXXXX XXXX XXXX credit card was charged from XX/XX/XXXX to XX/XX/XXXX for purchase of " XXXX XXXX XXXX XXXXXXXX XXXX. The first transaction was on XX/XX/XXXX in the amount of {$1.00} than 11 transactions on XX/XX/XXXX with each {$49.00}, five transactions of each {$49.00} on XX/XX/XXXX. One more {$1.00} transaction on XX/XX/XXXX, 6 transactions of each {$49.00} on XX/XX/XXXX, 6 more on XX/XX/XXXX each {$49.00} and 6 more on XX/XX/XXXX each {$49.00}. 

The total purchase was made in the amount of {$1700.00} without our knowledge. 
I've not used my this visa card after XX/XX/XXXX. This is not my primary credit card. 
I've filed complain to the Comenity credit card company and they've filed dispute in XX/XX/XXXX. 
Now, it is more than 90 days but not heard from the Comenity dispute department. 
However, I am receiving statement including interest every month which is damaging my credit report. 
Last week, I've wrote them letter to check status of my complaint. 
I will be greatly appreciate for any assistance. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: HW Holding, Inc
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After reviewing my credit profile on XX/XX/23 I identified a discrepancy with the account listed under HUNTER WARFIELD INC and validation was requested as this is an account that I did not recognize. The credit even threatened to sue me. I reviewed my credit report again on XX/XX/23 and the account continues to be reflected on my credit report and I have not received any correspondence from the creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed. After reviewing again on XX/XX/23 there have been no updates and the account is still reflecting on my report. I do not believe this account belongs to me nor do I believe that the creditor has authorization to access the account not authorization to attempt to collect in the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all the information is correct

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: eMoneyUSA Holdings, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
EMONEYUSA HOLDINGS LLC is reporting a balance due for an account/loan I never requested. I have no knowledge of this account and am requesting that they be investigated and the account be removed from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the Fair Credit Reporting act 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 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 non-monetary relief
Consumer complaint received 2018-11-18
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:
Requested for Experian to prove the validity of some accounts on my credit report due to identity theft with the irs they have refused to send verifiable proof such as a contract from these accounts everything is just verified XX/XX/2018 end of the investigation and wont reinvestigate and refuses to show me proof this debt belongs to me I need help. I have had some of the account removed from my XXXX  and XXXX that where unable to be verified but Experian wont look into this.

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 2021-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
U.S bankruptcy Court ( XX/XX/XXXX ) ref XXXX and XX/XX/XXXX ( ref XXXX ), XX/XX/XXXX ( refXXXX ) I have tried to dispute using a letter and I have called several times about these bankruptcies on my credit report, and no response these bankruptcies were taken off my XXXX  credit report. but they still exist on my TransUnion

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 2017-11-16
Company: Bread Financial Holdings, Inc.
State: NV
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/XXXX - requested & reviewed XXXX credit report utilizing XXXX XXXX XXXX XXXX On review, disputed entry regarding credit card account issued by Comenity Bank XXXX. I have never heard of, had phone conversation or other correspondence with this bank. 

XX/XX/XXXX - message from XXXX with link to review results which shows the bank has verified the account is active - dispute rejected. 

XXXX - received welcome letter & credit card from Comenity Bank for an account to be used at 'XXXX ' store. Again, I have no knowledge of, have never purchased from, or any other interaction with Comenity Bank, or XXXX. ( Please note this card was received more than 3 months after the credit report shows that it was opened ) XXXX - went on Comenity Website to request account be closed, and all reference to the account to be removed from my credit report. To date, there has been no reply from Comenity Bank. 

To date, and to my knowledge, there has been no financial transactions, or liability. This appears to be a scam marketing campaign. I have not held a store credit card since I closed a XXXX card more than 25 years ago. I hold a combination of more than 5 XXXX, XXXX, and XXXX cards each with a minimum limit of {$15000.00}. Why would I want a card for XXXX with a limit of {$750.00}? 

I want the reference to be removed from my credit report. The bank & XXXX should be given a strong warning, and or financial penalty regarding this type of marketing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-10
Company: EQUIFAX, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Today XX/XX/2019 I received an email that my dispute process was complete and was provided a link to access the results. 

Equifax 's procedures to access the dispute result are so onerous and faulty that it constitutes a refusal on Equifax part to provide information to me as required by law. 

Further, if one attempts to use the Help Chat feature, it is on during business hours until one submits a request ; then suddenly, it is off. 

I repeated the requested steps three times at least to access my information without success and Equifax refuses to provide a call number to help. 

Equifax is denying me reasonable access.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Note : I already filled this out but used an incorrect email address. 
On or about XX/XX/19 my coworker and I unknowingly ended up with eachother 's Wells Fargo Debit cards. We believe we picked up eachothers cards after splitting a bill at a restaurant. On XX/XX/19 my coworker tried with withdrawal funds with what he thought was his debit card but the pin didn't work. He went inside the bank, to a teller to withdrawal cash. The teller asked for ID, but didn't look at it and see that the ID and debit card did not match. The teller pulled up my account, revealed my account balances in checking and savings and asked which account he wanted to pull from and proceeded to give him {$200.00} out of my checking account. Coworker then went to a banker to get a new card and then realized that he had my card when the banker asked for ID and realized they didn't match. My coworker told the banker that it was his friends card. The banker let my coworker leave with my card and {$200.00} from my account without any verification that we were in fact " friends. '' My coworker has since revealed to employees of our company including my boss how much money I have in the bank and have called me asking for loans. I am VERY uncomfortable that my coworkers are aware of my finances. This is without a doubt a violation of my financial privacy. The teller and banker were wreakless and careless with my personal financial information. My account showed the {$200.00} withdrawal and credit, those transactions have since disappeared from my on-line account. The {$200.00} was ultimately taken from my coworkers account. If it weren't for the fact that my coworker had my card, not a stranger/thief my account could have been wiped out completely at the hands of a careless Wells Fargo teller. My financial information spread throughout my company within minutes. I don't think it's a joke nor funny at all.

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 2023-03-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not all opened by me. This has been hurting me as I am in the process of buying a home for my family. please remove these fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Flagstar Bank, N.A.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I know you don't know me from a hole in the wall but I am in desperate need of some help after reading your article, I figured you may be able to help. 

I live in XXXX, MA and I have an FHA mortgage with Flagstar Bank. My husband and both lost work due to the pandemic and welcomed a baby boy in XXXX of 2020 who was in the NICU for several weeks. 

I filed the loss mitigation application and was approved. As of XX/XX/XXXX, we have been out of the forbearance plan and followed the instructions to put the lump sum at the end of the loan. We are both back working and can afford the monthly payment. I submitted a 4 month payment as a sign of good faith in XXXX ( {$20000.00} ) and paid XXXX 's mortgage which is {$4000.00} but I paid {$4200.00} to show I can pay more if needed. 

I was originally denied the first loss mitigation and appealed it with all my documents of my son 's birth, his hospital records, loss of income from myself and my husband and the documents showing we are both working, pay stubs, ect. 

As of today I called and was told the appeal had been denied and that the loan will go into foreclosure. They couldn't give me a timeframe but told me I had no other options unless I could come up with the past due amount of {$80000.00}. I am 7 months pregnant with a toddler and can not lose my home. I have nowhere to turn. The state of MA has a program called RAFT that I've applied for but is only XXXX. I don't know what to do. How can they do this? I'm sure there are many people in my situation and I don't know what to do. 

Please 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 2021-06-30
Company: EQUIFAX, INC.
State: OR
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:
XXXX XXXX XXXX This account was settled and paid on XX/XX/2021 however they are still reporting the balance of {$74000.00} on my credit report. It has been more than 60 days now. The balance needs to report as XXXX or have the account deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX  and Transunion are reporting incorrectly a collection for XXXX XXXX XXXX XXXX, partial account number XXXX. This collection apparently occurred when I had moved from XXXX to XXXX. I called XXXX XXXX XXXX XXXX to close this account because I paid my final bill. I have the receipt for the final bill. I recently checked my credit report and I have a collection with XXXX XXXX XXXX XXXX reporting with all three credit bureaus. I contacted customer service at XXXX to see why they would send me to collections when I paid the final bill and the manger on duty could not verify my address, date of birth, social security number or forwarding address that I provided for the XXXX XXXX XXXX XXXX account for XXXX. The manager stated to me that even though they could not verify any of my information, the collection would stay on my credit report for the next seven years. 

I previously filed a Consumer Financial Protection Bureau ( CFPB ) complaint against XXXX XXXX XXXX XXXX, however I was informed that utility companies are not regulated by this Bureau. Therefore, I am filing this complaint with all three credit bureaus for incorrectly reporting this on my credit report. This reporting is harming my credit score. to have these items removed from 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 2019-03-11
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
About 2 1/2 years ago I purchased a truck from XXXX 's XXXX XXXX located on XXXX  XXXX XXXX XXXX, N.Y. The price was {$14000.00} I gave them {$3000.00} down and financed the balance through Credit Acceptance, XXXX XXXX XXXX XXXX XXXX, XXXX, Mi. XXXX. I was told by XXXX 's XXXX XXXX  that in order for me to get financed I had to put an extended warranty on the vehicle, I explained that the vehicle would be used at times for commercial purposes. They told me " don't put any lettering on the vehicle. '' I canceled the extended warranty because it did not cover the truck if it was used for commercial purposes. I was told that the cost and finance charges for the warranty would come off the back end of the loan. After further reading the paperwork I realized XXXX 's XXXX XXXX had arbitrarily raised the price to {$17000.00} without telling me and after I paid them the down payment of {$3000.00}. When I confronted them I was told that Credit Acceptance told them to raise the price, all this without ever telling me they were raising the price. So I called Credit Acceptance and complained about the bait and switch, they denied ever telling XXXX 's XXXX XXXX to do that. I told them I wanted this corrected and was told their legal dept would contact me. The Legal Dept never contacted me but when I got behind in my payment Credit Acceptance had the truck repossessed without warning and by that I mean I had to agree to let XXXX 's XXXX XXXX put a device on the truck that would beep 3 times as a warning that a payment was due. The contract stated that this warning would be every time I started the truck for three days and if payment was not received then the device would not let me start the truck. I did not receive any warning as per the agreement in the contract. After the truck was repossessed I was never given any information about what it sold for at auction, as required by law, or that the {$3000.00} added to the truck by XXXX 's XXXX XXXX or the credit for the canceled extended warranty was ever credited to me. When I called Credit Acceptance about all of this complaint I was told just give us {$5000.00} and we will call it even. I want this removed from my credit report and shown as paid.

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