BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: NC
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 XXXX XXXX XXXX my SSN is XXXX and my XXXX is XX/XX/1994. I reviewed my consumer reports and noticed that there was an inaccurate account ( XXXX ) on my credit report! 
I am a ( XXXX VETERAN ) have been experiencing depressions and Hardship I had a my personal information stolen I have a police report I will upload! I reviewed my consumers reports and notice that I had serval late payments on accounts that I was never late for. Also, there are fraudulent accounts on my consumer report! Consumer reporting agencies have assume a virtual roll and have a responsibility to report consume to the best of their ability with maximum accuracy. I have never been late for payment for any of these accounts and some of these accounts are fraudulent accounts Delete these accounts from my consumer report and Fraudulent addresses! 

XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC 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 XXXX XXXX XXXX XXXX XXXX XXXX I contacted Experian and asked for them to investigate & remove the inaccurate accounts from my consumer report that they are illegally reporting, and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof. 

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these accounts to be DELETED /BLOCKED from my consumer report, or payment history must be updated to on time as they should be as I was never 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 explanation
Consumer complaint received 2023-11-20
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX XXXX I paid the outstanding balance of {$240.00}. On XXXX XXXX an unexpected refund of {$1000.00} occurred, leaving my account at- {$980.00}. 

When I contacted customer service, they claimed that I closed the account ( which is not true ), but they refused to explain the reasons and falsely blamed me for the closure. Therefore, I went personally to the branch in XXXX, Florida. After speaking with the Manager at my XXXX agency, I was directed to an agent who vaguely stated, " it's the bank 's policy not to provide explanations, so your money will be refunded within 7 to 10 days. '' This action will impact my credit history, despite having no late payments for years ( as a closed account is a stain that remains on my record for 7 years ). I chose the card to improve my credit and strategically reduced its use to qualify for a more significant credit, such as a mortgage for my home. 

Was I penalized for having no debt? Was my account closed for aiming to maintain a XXXX XXXX XXXX' balance to qualify for a larger credit? Is a closure of {$1000.00} beneficial for a financial institution that could have gained a {$350000.00} home loan? Who is truly making the mistake? 

Regions Bank has been my preferred choice for years, and I have recommended their services to family and friends. This unexpected and unfortunate experience raises serious doubts about the integrity and customer service of the bank. 

I hope that the Regions Bank intervenes and mediates in this matter to ensure a fair and prompt resolution.

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 2018-08-12
Company: Financial Management Solutions, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received a letter on XX/XX/2016 from XXXX XXXX XXXX XXXX stating that I owe {$1300.00} for new carpet from an apartment that I had moved out of. At no point, was I ever given an opportunity to settle or dispute this amount prior to going into collections. I wrote a letter to XXXX  XXXX on XX/XX/2016 requesting a summary of charges for the damages or receipts and they could not produce. I have no proof that these charges are valid. Now this dept is entered as a collections on all 3 of my credit reports.

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 2023-03-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been a member of USAA for at least 10 years and have had a credit card through them for some time. The primary reason I have this credit card is to take advantage of their rewards and 0 % transfer deals they offer from time to time. Apparently they don't like this as they have caused me a few heart aches with their dirty little business XXXX. they like to pull from time to time. For example, I used the card and took advantage of a balance transfer deal they offered in XX/XX/22, then in XX/XX/22 I noticed there was a charge of {$100.00} posted to my account that I didn't make. I called their customer service line to dispute this charge. As you probably know, when you do these transfer deals the credit card company 's that offer them always have some conveluted/confusing system of applying payments especially when you charge things above and beyond the balance transfer- in other words when you do these dont charge anything until the balance of the balance transfer is paid off. The way I was treated when this dispute was brought up was telling, they gave me a run around didn't want to credit etc ... after much hassel I finally got the credit and all was good, but not without a lot of hassel from USAA. So, fast forward a few months and now these corporate XXXX  want me to provide information when I log into my account on line that was provided when I opened the account and I have not responded. They have now restricted my on-line capability pretty much nothing because of my not responding. I have never missed a payment nor gone over my credit limit or anything like that they are simply flexing their muscles to make my life miserable because I take full advantage of their rewards and balance transfer offers- they are nothing but corporate XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
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: Old information reappears or never goes away

Complaint:
I notified Experian Credit Bureau regarding my closed account as of XX/XX/XXXX with XXXX XXXX XXXX. I have requested from Experian as per the Fair Credit Act the statue of limitation of 7 years has expired and as of today 's date my closed account is going over XXXX years.I advised Experian the recent report sent to me for XX/XX/XXXX clearly noted that the closed account with XXXX XXXX XXXX will continue on record 'UNTIL ' XX/XX/XXXX. 

I kindly request CFPB to investigate my complaint because Experian is not following the Fair Credit Act laws enacted by Congress. Respectfully, 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 explanation
Consumer complaint received 2023-09-15
Company: ALLY FINANCIAL INC.
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Ally bought XXXX and required me to make an account with Ally. I have tried about half a dozen times to create an account, but each time, it says I have no account wit Ally. I have called Ally about 8 times and each time they tell me someone is working on it and will call me back. I still have no access to monitor this card 's activity and I have no ability to create an account. They also have no way of contacting them besides a phone number.

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 2020-06-10
Company: CL Holdings LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2018 - payment in the amount of {$400.00} XX/XX/2018 - payment in the amount of {$200.00} XX/XX/2018 - payment in the amount of {$200.00} I have receipts for all payments ( or I can show bank statements ) and this should have settled the account. I later came to find out that my account was transferred to Jefferson Capital for the full amount of the debt. I have disputed the charges with XXXX  and XXXX to just be told that the debt is still valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Experian Information Solutions Inc.
State: CA
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:
MY name is XXXX XXXX XXXX, I live on XXXX XXXX XXXX XXXX., XXXX XXXX, XXXX XXXXXXXX, ca XXXX, I have one fraudulent account reporting on Experian, XXXX, XXXX, I never received the credit card from discover, account number is XXXX. 
I contacted XXXX on XX/XX/2015, and explained to them that I never applied for XXXX and never received the credit card, and asked them to remove it from my credit bureaus and I asked them to send me evidence that I used this card, but they refused to send me any documents to prove their merits.please contact the three credit company and block and delete this fraudulent account. This account was opened on XX/XX/2015, with fraudulent balance of {$2800.00}.

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 2023-03-08
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XXXX XXXX XXXX Wells Fargo Dealer Services illegally repossessed my XXXX XXXX XXXX. I suspected inaccurate Accounting practices in XXXX, and on XX/XX/XXXX, I reached out to the Corporate office via fax to manager XXXXXXXX XXXX  attention to highlight the following : - I raised an issue Wells Fargo was later fined billions of dollars for BEFORE it happened. 

- 12 car payments in XXXX were not applied to my account at all or promptly despite making all payments in Wells Fargo Branches. 

- Poor record keeping by WFDS was systemic ; for example, a statement dated XXXX XXXX XXXX incorrectly required me to pay on XX/XX/XXXX! Was the payment I remitted recorded as made in XXXX of XXXX, causing me to " miss '' the XXXX payment? 

- WFDS blocked me from contacting their call center after this incident. Wells Fargo continues to " gaslight '' me by saying XXXX XXXX " spreadsheet '' from XXXX is accurate despite my faxing concrete evidence and a Spreadsheet not being the official ledger.

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 2019-07-31
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts and credit inquiries listed on my XXXX XXXX, XXXX and Equifax credit report are all fraudulent accounts and credit inquiries, and are not my accounts or credit inquiries : XXXX XXXX XXXX, {$8000.00}, XXXX XXXX XXXX, {$430.00}, XXXX XXXX, XX/XX/XXXX, and XXXX XXXX, XX/XX/XXXX. I been receiving harassing, threatening and annoying phone calls of abusive and profane language, threats of legal action, arrest, jail, prison, harm, violence and death, from XXXX XXXX XXXX and XXXX XXXX XXXX Call Center Representatives and Debt Collectors, which is an egregious, illegal and a violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Caliber Home Loans, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Call today Cal XX/XX/2020 to Caliber Home Loans where I have the mortgage on my house to ask for help because of or Covid-19 my work is reduced by 50 % weekly hours. The response was that Caliber suspends at 3 months I pay them. After 3 months I have to pay the 3 months at once!! na truth 4 months is impossible! What help is that??? I think Caliber does not want to help its clients!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: ALLY FINANCIAL INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have multiple inquiries on my credit report that Ive never inquired. Ive been misrepresented by a dealership. The dealership pulled my credit numerous amount of times on different dates. I am dealing through identy theft and this issue made things worst. I am in process of XXXX XXXX  by given in proper information regarding my income on applications, pulling my credit on multiple occasions on different dates and finically hardship on loan.

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 2020-03-04
Company: EQUIFAX, 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:
Equifax has allowed XXXX XXXX XXXX continues to report false derogatory information to the credit bureau.. I have disputed this information several times with no resolution. Due to this inaccurate reporting, I have been denied a home and Jobs. I have provided XXXX and equifax with court documents from XXXX County Clerk of the circuit court to validate my claim.Equifax has never investigated my claim regarding XXXX and has allowed them to continues to harass and retaliate against me by adding negative remarks and extra fees every time a dispute is filed which cause my credit score to decrease monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: EQUIFAX, 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:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
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 am submitting this CFPB complaint to you today to follow up the previous CFPB complaint I submitted requesting that you remove the fraudulent accounts and information I found on my Credit File. I was a victim of Identity Theft anf the items I am disputing were the results of the crime. I did not authorized the disputed accounts neither did I allowed anyone to open such accounts on my behalf. Under the Fair Credit Reporting Act section 605b, I am requesting that you remove the following accounts and information off from my Credit File as soon as possible : 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have read enough to understand my consumer rights under the Federal Law, Fair Credit Reporting Act. By submitting this CFPB Complaint, I am hoping that you will comply with the law and completely delete the disputed accounts and information off from my Credit File as soon as possible.

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 2020-03-03
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Have tried numerous times to get credit reporting corrected with all 3 credit reporting companies no no avail from XXXX XXXX XXXX XXXX. 

Continuously reporting erroneous information and refusing to submit corrected information to credit bureaus. 

Due to problems with accurately reporting information that they created due to negligence on their part, selling off our loan in the middle of a government modification program and not reporting that and clearing our account and correctly reporting this. 

Requested by certified letter dated XX/XX/2019 and received by signed return receipt dated XX/XX/2019 for the following that we have NEVER received : 1 ) copy of original deed of trust 2 ) Original signed promissory note 3 ) all transferred documents from XXXX  XXXX XXXX that was sold XX/XX/2019. 

This company refuses to provide requested information and simply sends a form letter to keep the information on our credit report without providing proof of the investigation that was made. We have been told that we must hire legal council to supeona our records to view what XXXX XXXX XXXX sent to them.

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 2019-07-31
Company: Comerica
State: PA
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:
Card ending in XXXX I never requested or activated reported it lost a year ago my SSI benefits were pending on this card for XX/XX/19 I was sent new card week ago XXXX asked to have my benefits direct deposited on that card I was denied just got it two days they would not close that lost or send my benefits to my new card want me to wait get new card after XX/XX/19 phone be off no food no personal items the direct express refused to do a card transfer to my new card keep lying on phone to me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: SML Capital, Inc.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX  Agent XXXX XXXX. On closing day XXXX XXXX was not present, they had the closing paper ready for us to sign with my wrong last name and the notary XXXX XXXX from XXXX XXXX XXXX ask me to sign then she just cross my last name, I ask XXXX XXXX ( XXXX XXXX assistant ) to re-print then with the correct last name. I had provided my ID in 2 previous occasions and they make copies of it. This is so unprofessional not be ready with the proper documentation on signing day. Few days after signing XXXX XXXX called me to ask for my marriage certificate that the loan company ( XXXX ) requested this document last minute yeah right. XXXX XXXX ( XXXX XXXX ) promise us that the loan will be fund it in 3 days and it was I lie it took 7 days for us to get the money in our bank account. I really dont understand why XXXX XXXX doesnt look more into the job of their employees ( XXXX XXXX ) they try to get your business by lying to you and she is been in business for over 15 year I really dont understand how is this possible this company is the worst. We will never recommend we are also filing a complaint with the XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief