BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-04
Company: Experian Information Solutions 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:
TO DATE IS XX/XX/XXXX MY NAME IS XXXX, XXXX I AM FILING A COMPLAINT AGAINST EXPERIAN INFORMATION SOLUTIONS , INC. and XXXX XXXX, BOTH COMPANIES failed to follow reasonable procedures to assure maximum possible accuracy in the preparation of my consumer report consumer reports as defined in 15 U.S.C. 1681a ( d ), and consequently reported inaccurate information about me causing me irreparable harm. 
I XXXX, XXXX the Authorized Representative for XXXX XXXX has been unfairly treated due to the nature of improper credit reporting, and for the mistreatment of the credit reporting laws and compliance.These are multiple violations of the law and slander of my good name and character. REASONS : I NEVER GAVE ANY AUTHORIZED / PERMISSIBLE USE OF ANY OF MY PERSONAL INFORMATION. I refuse to be an implied surety/debtor. These are few of many violations done on my good name ; which breaks the law. These listed Violations are based on breach of fiduciary duties TILA, FCRA, GLBA, CFPA, THE Sherman Antitrust Act, FTC Act and RICO Act As a result, I was discriminated against and denied my right to extend credit. I also suffered emotionally as well as financial hardship. Therefore, your company is liable according to 15 USC 1681o This account dont belong on my consumer file and must be deleted immediately XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Consumer reports under 15 U.S.C . 1681a ( d ) include both credit file disclosures obtained directly by me from the consumer reporting agencies and consumer reports obtained by third parties as a factor in establishing my eligibility for credit. 
Experian negligent, willfully continued to report the inaccurate information even after dispute notices under the FCRA absent notices of dispute about the accuracy of this account and I have notified Experian of an error and requested a re-investigation which never happen. 
Despite various disputes I had submitted to Experian company willfully ignored all my attempts to correct the misleading information, that resulting in the denial of various loans. 
Which cause me irreparable harm, emotional and financial stress to me. 
Experian unreasonable policies and procedures routinely report inaccurate and materially misleading information about consumer file including this account with XXXX XXXX XXXX  that have been discharged from identity theft and has no permissible purpose. 
Rather than follow reasonable procedures to assure maximum possible accuracy, as required by the FCRA, Experian frequently reported information regarding debts based on information they know is incomplete or inaccurate. 

Remove this account from my file XXXX XXXXXXXX XXXX XXXXXXXX Date XXXX ( ( please see attachments ) )

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 2019-04-08
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Experian has posted a collection to my credit report from XXXX XXXX XXXX XXXX XXXX, a collector for XXXX XXXX in XXXX  XXXX, XXXX. They say I owe {$15000.00} from a lease. I had a lease with the company that ended in XX/XX/2014 when I transferred to XXXX XXXX. I asked the collector to send proof of the debt and they couldnt provide the evidence. I then contested the collection with Experian, twice, and each time they investigated it and said it was a legitimate debt. How can they do so if the collection company cant provide proof.

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 2018-05-16
Company: Cedars Business Services, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was not in the hospital at the time claimed by the collector, please show written proof that was me, a copy of any state or government issued ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: Bread Financial Holdings, Inc.
State: OR
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:
On XXXX XXXX XXXX XXXX opened a unauthorized credit card in my name with XXXX after saying they needed to run a credit report ) There are 2 charges totaling {$6600.00} I've made over 20 attempts of contacting them.They initially said they could not find me in their system after giving them my SS # they confirmed the 2 charges and transferred me to the fraud dept upon  connecting with them i was told they could not find me in their system with my SS # once again and this scenario has been repeated by them every day since.I have the receipts for the 2 transactions totaling the {$6600.00} thru the culprit company XXXX XXXX which obviously works in conjunction with this company XXXX. I have not received the card nor statement from them i the mail to date.I have since learned they opened another credit card with another company XXXX XXXX XXXX Comenity Capital Bank with the same 2 charges so that grand total is {$13000.00} The later company has been working with me and froze the account. XXXX has been contacted several times fron the XXXX today was the first i heard back from them saying there going to do there own investigations before clearing the matter of the full $ XXXX will appreciate anything you can do to help in this Matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: Self Financial Inc.
State: GA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Lead Bank or self bank issued cds of which I had paid of approximately XXXX of these cds with this bank in the past but after paying off this cd they said they required Identification to verify that it was really me government requirement, so I complied I sent the ID and the ss card but the problem came with my bank accounts every time I downloaded these accounts they would not accept the formate I loaded them on so I had my administrative assistant do it on several formates then I called the bank and had them try and assist me which was never successful so then they gave me a email address to send it to, I thought this was successful this was what we were told at- the time. I had sucessfullly completed and payed these cds off in the past and feel like this is excessive they do not require this ID to take funds out of my account, THANK YOU FOR ASSISTING ME IN THIS MATTER, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They call me ( rarely ) but when they do, I tell them to stop calling, but they keep calling. They called me this evening ( around XXXX XXXX  ) and I told them again to stop calling. They hung up on me. What do they not understand? Doesn't help blocking them as they use a different number every time they call!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-30
Company: General Motors Financial Company, Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I received an IRS notice XXXX for Tax Year XXXX, dated XX/XX/XXXX, that I have violated my Installment Agreement for Tax Years XXXX - XXXX, and will be charged {$210.00} for each year as penalty and terminate the Agreement. It originates from the XXXX for the amount of {$9900.00}, dated XX/XX/XXXX, provided by General Motor 's Financial/AmeriCredit Financial Services , INC, ( Same Company with two different identities ), for account # XXXX. I am complaining about all the inconsistencies beginning with the initial contract with the Financed amount of {$27000.00} on XX/XX/XXXX, the balance amount of {$28000.00} on XX/XX/XXXX, the balance amount of {$26000.00} on XX/XX/XXXX, and then the unpaid amount of {$29000.00} on XX/XX/XXXX upon being sold for {$16000.00}. I submitted a Dispute to XXXX  about the Charge Off amount, and did not received a response from either XXXX  or GM Financial. The only document I received was my copy of the XXXX for the amount of {$9900.00}, with box 6 reflecting Code G, for cancel debt, but I believe they needed to use Code C, Expired Statute of Limitation of Debt in State of Texas, due to the time frame submitted, on XX/XX/XXXX, five days to the expiration of debt. I feel the amount is not correct and done in haste. Documents provided through attachments. The numbers don't configure and to weight the outcome of the 1099-C to affect my IRS Account, would cost me dearly if the amount was not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Chase bank is harrasing me about a transaction that was a result of identity theft. The person who accessed my account made a XXXX transaction of {$500.00}. I called the bank immediately when I noticed the transaction on my bank account and they told me that they would refund me the {$500.00} and also they told me to close the account due to the IDENTIFY THEFT. However, they called me today saying there is a negative balance on the account. This account is closed as requested per the bank. I would like Chase bank to cease and desist all communication methods. Lastly, I also want you to remove the negative balance from the account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: AFNI INC.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX has received the police report from the XXXX XXXX police department XXXX is the report number. I am not responsible for this debt. XXXX XXXX  removed the debt but continues to keep selling this debt to third part debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: General Motors Financial Company, 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:
There are two hard credit inquiries from GM financial in XX/XX/2022 for the same loan. XXXX there be just one?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XXXX XXXX. XXXX XXXX. XXXX XXXX, at Wells Fargo, is a part of the problem the world is the way it is. 

Well Fargo has an internal policy, that lines up with XXXX XXXX app to purposefully delay the posting to an account to create fees on both sides as they point to one another as the cause. 

I personally don't care to dig through red tampon tape as my business partners bleed me. Like XXXX. 

So, When I called to fix it, they gave me a breakdown of my transactions. As if that's not why I'm calling. 

Then, XXXXXXXX XXXX XXXX became hostile. Screaming and yelling, but she is the Consumer Advocate? How? 

Regardless, Wells Fargo explicitly allowed me to enroll on overdraft protection, only to ake sure I overdraft and have to use the protections " offered. '' Its a ponzi scheme, set in timetables of due dates on wires and funds, and most of the time they target people they know wont fight them on the fee. I'm not that person. 

WF protection program entitled me to up to the date news on my disputes as well as, what I understood in the terms, a good faith promise to investigate a dispute within the wheelhouse of the program. 

Today, XXXX refused to take my fee dispute against XXXX. Initially, she offered to transfer me to claims, then she said she didn't have anyone, then she said she could look into it, then she said what I was looking for, then proceeded to deny ever offering me a chance to speak with claims. It was a runaround. I just got off their recorded line maybe 10 minutes ago. 

Additionally, with regards to the XXXX claim, worth XXXX. The protection program states it will keep you updated on disputes throughout the process. When I submitted the XXXX dispute, on the same day, I submitted an Audible dispute with the exact same claims and underlying basis for the claim. 

Unclear Terms and Conditions. 
I did not sign up for this, based on those terms, I understood x, but they only mentioned y. 

This line of reasoning entitled me to XXXX bucks back from XXXX. 
But from XXXX, it lost out on the same day? Exact same baseline facts? Exact same underlying issues. Except XXXX is up and coming and they don't want to risk it. 

Regardless, you notice the problem with the fact set? I'm only mentioned as the person doing th eleg work to make the protection program, protect me? 

They refused to investigate Refused to update Did not exercise good faith Have inconsistent XXXX or Timetables are weighted towards overdraft Case in point, WF and XXXX are in bed together and consumers are paying for the hotel room.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Informative is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.

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 2019-08-20
Company: Experian Information Solutions 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:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX XXXX;XXXX,XXXX;XXXX XXXX and 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 2019-10-31
Company: First Investors Servicing Corporation, Atlanta, GA Branch
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: Investigation took more than 30 days

Complaint:
My account with XXXX XXXX XXXX XXXX was recently report falsely 30 days late for the month of XXXX even though at the time I was in the process of filling an extension which was granted and I was told they would not report a 30 day late. At that time I wanted to be better safe then sorry so I asked for a letter and the representative I spoke with told me not to worry and I have his word that they will not report a 30 day late. 

I believed that representative but found out a month later that they did in fact report to all 3 credit bureaus a 30 day late. I was able to find out this information through XXXX XXXX. 

I then called several times and I was told the only person that can help me is an individual named XXXX XXXX who is a manger of the entire credit department. When I spoke to he it was as if I was speaking to a robot as she did not listen, spoke over me, proceeded to tell me she could not help me and told me they can not give charity out. 

Needless to say I was very upset and asked to speak to her manager at which point she hung up on me. I then called back several times at which point I was told her manager 's name is XXXX XXXX XXXX who would only communicate to me through email even though I repeatedly called him with no response. He did respond saying that he could not help me and they have helped me in the past and I was luck that I received that and was very cold and rude through his emails. 

Please help me on this matter as I am very unhappy and I still have not resolved this issue and nobody is calling me to resolve.

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 2023-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Account sold or transferred to another company

Complaint:
On XX/XX/XXXX I made a payment of {$8900.00} to Comenity Bank .On XX/XX/XXXX Comenity bank Switched credit card companies To XXXX XXXX.Our balance on XXXX XXXX was {$8900.00}. Now Comenity bank says they can not find where we paid {$8900.00} and XXXX XXXX say 's we still owe this money and turned our credit card use off and they say we do not have any more credit left because our credit limit was $ XXXX.Our Bank Statement shows they took the {$8900.00} out of our account. 

Phone # on my Bank Statement is XXXX for comenity. 
XXXX XXXX phone # on back of my card is XXXX Phone # on Comenity XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 explanation
Consumer complaint received 2019-04-08
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
In XX/XX/XXXX, I was required to open a checking account at First Citizens Bank ( FCB ) as part of the creation of a personal line of credit. Both accounts were set-up for online access and I had no material issues with the accounts or FCB for years. In mid- to late-XX/XX/XXXX, my online access no longer worked so I attempted to reset the password. After several attempts ( required calling customer service as opposed to automated system ), the reset process worked only temporarily. Eventually, the account was closed in late XX/XX/XXXX by the bank due to inactivity after the checking account balance was used to payoff the line of credit earlier that year. I made requests for the checking account statements, which primarily reflect interest income payments, but FCB is charging {$7.00} per monthly statement. That seems to be excessive for what should still be available online and are one page statements at most.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
I paid my XXXX 's credit card on XXXX XXXX through Bank of America, the total amount is $ XXXXDuring XXXX, I check my checking account and found this transaction, the description writes : XXXX XXXX . So I went to branch and ask them to check what was the transaction. They told me it was a ATM withdraw, means someone took money from XXXX XXXX  ATM. I then reported Fraud transaction. And on XXXX 's sent me a mail to say they have error on my bill and then put {$500.00} credit back to my bill.Then I understood, XXXX 's and XXXX XXXX are the samXXXX thing. So I told Bank of America, everything was clear and the transaction had no problem and they closed my claim. but later XXXX 'S put the credit back to my bill and asked me to pay for it. I contacted XXXX 's and told them I already paid the credit during XXXX, and fax them the documents from my Bank of america account, all that documents showed I paid and this fund never came back to my account. they rejected my claim every time and insist to say this amount of money already returned to my bank. 
I contacted Bank of America, I told them the situation and asked them : 1 ) return the money to my account, then I will pay XXXX 's again. or 2 ) find out my money! their response is they didn't get the money back from XXXX XXXX and maybe it was hold in VISA CREDIT CARD CO.I asked them to find out my money, cause I am their customer. They said they can't help with that. 
I would like to find out where is my money, and try to fix the problem. and I'm very disappointed at the irresponsibility of Bank of America

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