BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: TN
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 have disputed inaccurate information on my credit report numerous times with XXXXThis goes all the way back to XX/XX/XXXX. XXXX XXXX XXXX XXXX. ( 2 ) XXXX accounts. XXXX XXXX XXXX and XXXX XXXXXXXX XXXX  are all still on my credit report and are reporting inaccurate information. They sent me a letter stating the accounts have been verified and updated. But how? If the information is not matching up. I would like to know how was the information verified and if it was indeed verified. These accounts need to be removed and deleted from my consumer report immediately due to XXXX have violated my rights. A consumer report has to be 100 % accurate across the board. Meaning with a 3 credit bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-09
Company: SYNCHRONY FINANCIAL
State: WA
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:
XX/XX/2018 XXXX XXXX, IL XXXX ( XXXX ) XXXX No open account, did not apply, did not allow information XX/XX/2018 XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX no open account, did not apply, did not allow information XX/XX/2018 Syncb/amazon XXXX, FL XXXX ( XXXX ) XXXX no open account, did not apply, did not allow information XX/XX/2018 XX/XX/2018 XX/XX/2018 XXXX XXXX, TX XXXX ( XXXX ) XXXX no open account, did not apply, did not allow information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-02
Company: Regional Management Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
ON XX/XX/2021 XXXX XXXX RAN MY CREDIT WITHOUT MY PERMISSION PLEASE REMOVE THIS INQUIRY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
While enlisted in the XXXX XXXX, I was aboard the XXXX XXXX XXXX from XXXX and went on XXXX and was not able to access my account to make a few payments on time. The highest delinquency period was 120 days. However, Ive been making my payments on time and maintaining a current status since.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
I have sent disputes to Lexis Nexis Consumer Center in regards to their report they have on me. I have inaccurate unverifiable items listed in my consumer disclosure/C.L.U.E. report. I first contact them on XX/XX/19 in regards to inaccurate addresses, phone numbers emails and incorrect name. I received a letter from them stating that everything was correct I sent them proof with my social security number, drivers license and proof of residence. The letter they sent back they had more inaccurate names and etc. I sent them a second letter on XX/XX/19 to correct and remove all incorrect data. I sent them another dispute letter on XX/XX/19 to dispute bankruptcies listed on my report. They sent back a letter stating they initiate the dispute on my behalf to XXXX XXXX and XXXX. I never asked them to do this I am disputing with Lexis Nexis and I have a security freeze on my account so why would they share information with the three credit bureaus. I NEVER ASKED THEM TO COMMUNICATE MY DISPUTE with the other credit bureaus. Lexis Nexis finally responded and said it was accurate. I sent them a method of verification letter on XX/XX/19. Lexis Nexis has failed to provide the requested information. Lexis Nexis has not responded within the required 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: CL Holdings LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
While checking my XXXX credit report I noticed a debt collection from Jefferson Capital Systems. While doing an investigation I also noticed that this collection company is not license to collect debt in the state of XXXX  and they are trying to collect on me, which is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
on XX/XX/19 i went to the company and paid my loan in cash and the rep also charged my bank account at the same time. i submitted a dispute with my bank and the company and they won't help me because i don't have the receipt. they have cameras but refuse to check the tapes. even if i had the receipt it would show i paid with the debit card because the transactions were done on the same day. this is the second time this has happened. the first time i got my money back but this time they won't give it to me. so I've paid XXXX on a XXXX dollar loan and they claim i still owe XXXX. I'm about to lose my car because i can't pay my car note.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: CITIBANK, N.A.
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Attempted to use XXXX XXXX Account to check for fraudulent activity and have been locked out of my on-line account. 

Spent XXXX hours on phone with XXXX different representatives. 

Resolution : Account on-line will remain locked from XX/XX/2023 until up to XXXX  months for the new cards to arrive. 

I can understand locking the purchasing status of the card in this situation but they will not allow me access to the on-line account. I am on Paperless Statements so I have no way to see what might be going on.

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 2019-11-09
Company: Experian Information Solutions Inc.
State: NY
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:
My problem started off by getting incorrect information about my new Business Line of Credit. I was supposed to receive 1.99 % APR promotion for the first year as I was told by one of the bankers I was dealing with, but then when I was waiting to get the credit available to me, other representatives in XXXX XXXX XXXX XXXX Lending have told me different things about whether or not I qualify. No one really seemed to know what was going on and it was getting incredibly frustrating, and shown their sign of inadequate training, knowledge, and incompetency. I raised this issue to XXXX XXXX, Senior Vice President and Division Lending XXXX at XXXX XXXX, and he promised to look into it. We exchanged emails back and forth about status updates as this process was taking extremely long, I asked him if I may have extended credit on my BLOC as a courtesy and he said he can move XXXX of available credit from my XXXX XXXX credit card to my Business Line of Credit, and he did. During this process the person who was responsible for moving the available credit from my credit card to BLOC ran my credit report without my authorisation. When I confronted XXXX about this, he denied it. He said I may have applied for another XXXX XXXX product. I said that's impossible, and senseless given the circumstances of what we were dealing with. I asked to have this investigated or removed ASAP and notification of when this will be removed and when he did send me the notice, I have yet till this day see that inquiry come off. The bank failed to fulfill their obligation to remove an inquiry in my credit report in error as they disclosed to me in writing. I have made executive complaints about the way they have been handling this and have not heard back from anyone as of yet. This has been an incredible incompetent bank and has proven to me they are not capable of handling simple tasks. When I tried to deal with this issue with Experian, they disregarded the correspondence letter I had sent them from XXXX XXXX, as I was advised to send it to them to expedite this matter, this has failed to be effective, and thusly, Experian did not pursue any action whatsoever.

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 2022-08-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
I received 4 cashiers checks from XXXX XXXX XXXX XXXX XXXX which is affiliated with XXXXXXXX XXXX XXXX all 4 checks are dated XX/XX/XXXX 3 for the amount of {$10000.00} and one for the amount of {$1500.00}, I went to deposit the checks at Wells Fargo at the the teller window they said there will be a hold placed on my checks because the accounts can not be found, but there is a number on the check with an authorization number that my bank Wells Fargo has to call and verify the check for the check to to be released, I called the bank issuing the cashiers check XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and they told me the the checks cleared on XX/XX/XXXX, Wells Fargo will not call or take action to call the number on the check to verify the check to release the hold on my money, granted this is money I received is from the irs through XXXX XXXX, I need Wells Fargo to take action to call the number on the check to verify the checks to take the holds off my checks and they repeatedly keep telling me this is not how they verify checks but the bank issuing the cashiers check told me Wells Fargo HAS TO CALL THE NUMBER ON THE CHECK to verify the check and release the hold on my money, please I need help badly all Wells Fargo is telling me to do is wait until XX/XX/XXXX thats when the checks should be cleared but they are still stating that the account can not be found when all they have to do is call the number on the front of the check to verify and release my funds. The bank issuing the cashiers check told me my money is there on that account waiting for wells fargo to verify the check with them and my bank is not doing anything but telling me to wait until the XXXX and hopefully the funds will go through when all they have to do is verify the check by calling the number on the front of the check and give them them the authorization number that is printed on the check to have them verify that the funds so they can release 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 2023-06-26
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax comes with excuse of sending my credit report in which I wrote them and filed complaints. 

Equifax has wrong information I was told when looking to get a new car of names and address and phone numbers not correct by Equifax. 

I have also reported this to the US Attorney and wrote to DOJ of the run around with Equifax I have also contacted with XXXX XXXX firm in regards of taking legal action on Equifax excuses of sending my free credit report and Equifax created phone numbers address and phone numbers and various other information not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: CITIBANK, N.A.
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I DETECTED FRAUD ACTIVITY IN MY CITI CARD AND COMPLAIN WITH CITI AND PUSH TO DESACTIVE CARD INMEDIATLY AND THEY SEND ME OTHER BUT THIS I NEVER ACTIVATED AND THE FRAUD ACTIVITY KEEP GOING AND I REPORT IT AND SAID TO THEM THAT WAS THEY'RE RESPONSABILITY AND NOW THEY SEND REPORT ABOUT A CHARGE AT ATM!!! HOW!!! I HAVE'NT ANY CITI CARD ACTIVE SO I HAVE MY RIGTH THAT CITI IS WHO IS THE FRAUD EXECUTOR OF THIS ACTIVITY BECAUSE IF THEY NOT THE ATM HAS CAMERAS SO WACH OUT IT CITI TO ME IS EXTREME SUSPICIUS IN ATTITUDE AND VERY VERY VERY SUSPICIUS FOR DO NOTHING TO STOP FRAUD ACTIVITY..

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 2023-04-06
Company: Experian Information Solutions Inc.
State: NY
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
The following unauthorized inquiries are being reported on my credit reports : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2019-05-28
Company: Reimer, Arnovitz, Chernek &Jeffrey Co., LPA
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2014 a judgement was made against me in the XXXX County Court of Common Pleas. The Collection Agency involved is Reimer Law Company, working on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The amount stated in the original Order was for {$23000.00} and is currently stated on a wage garnishment Order as being {$26000.00}. I felt it was strange that a wage garnishment would take effect five years after it went through a court system. I looked into XXXX XXXX XXXX XXXX XXXX XXXX and found that the CFPB had proposed it's own Consent Judgement against XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Currently, my wages are being garnished at 25 % and with the garnishment being decided three years prior to the CFPBs own opinion, I would like for the matter to be looked into by an outside source.

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 2019-10-09
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:
Hello I'm reaching back out to you guys because there are still items on my credit that is not mine and on top of that its two more items since then that is not mine. XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. Can someone please help me with getting this off my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-21
Company: EQUIFAX, INC.
State: NC
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 requesting the removal of these bankruptcies ( below ) on my Equifax credit report due to their failure to provide me with verifiable proof required for their company to post the accounts. Listed below is evidence that it does not exist and therefore is proof that they can not properly verify the accuracy of any of the disputed account. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they were required to promptly delete all information which can not be verified., Equifax has violated the Fair Credit Reporting Act ( FCRA ). Furthermore, I disputed this inaccurate information on XX/XX/2018 and XX/XX/2018. I also contacted the bankruptcy court via mail and they stated they do not correspond with credit bureaus and never verified this information with Equifax, which documentation of said information by the Court is attached. Due to the inaccurate information on this bankruptcy and I asked Equifax to follow suit in which they did not and continue to report this unverified inaccurate information on my credit report. Attached are documents supporting my aforementioned claims against Equifax and its imprecisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to hardship from the pandemic, i had to go on foreberance on my mortgage. 
My loan servicer, Mr Cooper and i are in the process of loan modification, rolling the unpaid balance to the back of the loan they said. But at this point, they are asking me to pay {$2600.00} per month and i can only afford {$1500.00} to {$2000.00} per month and i know they can do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have Attached some documents and a letter. showing that global client services took my money and saying that they used it for some other reason im not aware of, that I did Not authorize. They where supposed to pay off my debt and they didnt pay any of my debt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-23
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am asking for the following account to be deleted on my Credit report ; These accounts listed below do not belong to me, I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX   XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX   XXXX XXXX  XXXX DEPTEDXXXX XXXX XXXX  XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I mailed letters to Experian, XXXX, and XXXX on XX/XX/2023 requesting that they all remove late payments and student loan accounts from my consumer credit report as this information is listed in violation of the following consumer credit protection laws : 15 USC 1681 Section 602 which states that I have the right to privacy 15 USC 1681 Section 604 A Section 2 which states a consumer reporting agency can not furnish an account without my written consent. *15 USC 1681a - Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1666B A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose. In addition, I requested proof of how information regarding the listed bankruptcy was furnished, and have not received a response from any of the bureaus. The listed information is in direct violation of my consumer protection rights as I have never authorized them to list this information, on my credit reports, and was informed that this information was never supplied to any consumer reporting agencies.

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 2019-06-11
Company: JPMORGAN CHASE & CO.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I attempted to purchase baseball tickets from an ad on XXXX. I called the person who I was transacting with to get a sense of them and to insure it was a real phone number. The person seemed fine, and suggested we use XXXX and the XXXX app. I paid him {$70.00} through the XXXX transfer action on my Chase phone app, and he never sent over the tickets and stopped responding to texts/calls. I then reported the incident to the XXXX Police fraud unit, and called Chase. Chase said that there was no reimbursement option because XXXX is a third-party partner, and that they are not responsible for fraud.

Company response to consumer: Closed with explanation