BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-10
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:
To whom it may concern, I the consumer sent EXPERIAN a dispute letter ( a copy of the letter and my consumer report will be submitted with this complaint ) on XX/XX/2022 demanding deletions of multiple accounts that were furnished on my consumer report. I NEVER gave EXPERIAN any written consent to report anything on my consumer report. This violates 15 USC 1681b ( a ) ( c ) ( 2 ). This is identity theft. 

I have disputed this with EXPERIAN 7x through the CFPB portal to delete these alleged debts owed. Due to this identity theft committed by EXPERIAN and furnishing this information on a consumer report I suffered from their abuse. As a consumer I suffered from XXXX  and XXXX because I was unable to obtain employment and credit causing financial strain nor have I been able to obtain insurance or housing. My family and I suffered from the abuse caused by EXPERIAN. My family and I have been violated and this abuse is a violation according to 15USC 1692d. EXPERIAN knowingly and willfully obtained my consumer information and used it to furnish consumer reports. This is a violation according to 15 USC 1681q and is a fine under title 18, United States Code,.

As a consumer my right to privacy was also violated by furnishing consumer reports to from identity theft of my consumer information. Which violates 15 USC 1681 ( 4 ).

These false and misleading practices used to obtain my consumer information from XXXX XXXX and various other sources violates 15 USC 1692e ( 10 ) Sincerely 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 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts do not belong to me. I've contacted the bureaus in reference to inaccurate information and they didn't respond and didn't address anything. Please see attached FTC 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 non-monetary relief
Consumer complaint received 2019-02-07
Company: Risecredit, LLC
State: UT
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:
A fraudulent account/loan was opened in my name by a fraudster with the company called " XXXX ''. The loan is now being reported 30 days late. I contacted the company XXXX, and they said they would email me documents to support the fraud claim, but they never sent the email. When I asked where the proceeds to the loan were sent, they said XXXX Bank, which I never have heard of. This is a fraudulent account, and it needs to be removed from my credit report now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX DBA XXXX XXXX XXXX has been calling me since around XX/XX/XXXX for debt that they allege i owe. I have asked them multiple times to stop calling me as i am not sure what they are referring to. However i am of poor health and the constant calls have been worsening my health as they bring unnecessary stress which further worsens my health. I finally sent the company a cease and desist letter through certified mail to the company and it was received on XX/XX/XXXX by XXXX XXXX. Since than i have received another collection call dated on XX/XX/XXXX from phone number XXXX. I informed the representative of my letter and hung up however i am worried that they will disregard this letter if they are not given some sort of penalty for violating the law and continuing to contact me. any assistance is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: GREAT LAKES
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I attended XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. I currently owe {$56000.00} in loans. I am just beyond upset and frustrated that I am paying back a loan which charges $ XXXX/day in interest to a company that took over my loan from XXXX XXXX. XXXX XXXX went bankrupt in XX/XX/XXXX and unknowing at the time I now know that their financial issues were an issue way before I graduated. I do not feel that it is my responsibility to continue to pay for this loan, the company my loan is with they should be forgiven. The interest I am paying alone with this loan will have me in debt with this for my lifetime and that is just not fair seeing as how the school closed and went bankrupt. I am a single mom and was a single mom when I attended XXXX XXXX. To have to owe {$56000.00} to a school that no longer exists is just mind boggling. I know I am not the first to complain about this and I may be a little late with my complaint but financially this is going to be such a burden on me and I just want for this issue to be looked into a little further.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: EQUIFAX, INC.
State: FL
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 checked my report and noticed an account from XXXX XXXX for XXXX still remaining that i paid and was promised it would be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Credit Supreme LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
XX/XX/2021 - This company Credit Supreme LLC guaranteed results within 30 days and did not deliver. I gave them 3 months to assist and they did not. They have no right to place a bill in collections on my credit report, we had a month-to-month agreement and I canceled. I did not sign a long-term agreement. I was not impressed with customer service, they never answered my questions but instead told me not to worry and danced around the question. Truthfully, if this collection is not removed, I will take further action. Because this was placed on my credit file, it has prevented me from buying a home, which I am in the middle of. This is ridiculous. Who are they? How dare they? This company is terrible, and they should not even be in business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: WELLS FARGO & COMPANY
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:
Wrong person

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 2022-08-10
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2018-04-11
Company: Kinum, Inc., Indianapolis, IN Branch
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hi, I received a collection letter from a company called Kinum, and the collection letter does not give an explanation or date of service. The amount owed does not add up, and the collection letter looks like fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: SQUARETWO FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I disputed XXXX XXXX XXXX account ref # XXXX last XX/XX/2018. More than 30 days have passed and still the account is still on my credit report and found several other violations of both FDCPA and FCRA. I have attached a separate document showing what I have found on my credit report, proves that no proper investigation was conducted Violations such as reporting inaccurate/incorrect dates, misleading/incorrect information, reaging etc. They were given more than 30 days to fix the issue and nothing have been done. This is my last resort before I get a legal counsel involve.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-02
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I signed up for this Gold Delta Skymiles card in XX/XX/2018. It offered XXXX miles after spending {$3000.00} and a {$50.00} statement credit after my first Delta purchase. I didn't receive the bonus miles or that statement credit because American Express said I had held the card before. The terms of the offer never mentioned that I would be ineligible for the offer because I had the card before.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2020, I opened an AMEX XXXX XXXX XXXX  credit card because they gave me an offer which included {$300.00} welcome bonus by XXXX XXXX. After I finished the shopping amount which they required me by using this card, they refused to give me this bonus, the reason is I had another welcome bonus before by a different AMEX credit card. 

I am very confused. This is my first time to have an AMEX XXXX XXXX XXXX credit card and did not get any welcome bonus from their same type of credit card. Once I asked their customer service agent, who named XXXX XXXX worker no : XXXX likely ) told me I would get this bonus, but actually not. At last, when I asked their customer service again, they told me I am not qualified to get this bonus. 

I think they treat me unfair, because they promised me the {$300.00} welcome bonus while sending me the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
I found two hard inquires on my credit reports opened XX/XX/2021 that I did not apply for, Capital One Bank  USA/ XXXX XXXX. I think someone stole my information and attempted to open accounts in my name. I have contacted both Capital one and XXXX they can not find the inquires and no one will answer at XXXX XXXXXX/XX/XXXX XXXXXXXX  is sending me a letter with the information to call the company but I did not open any new accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have been trying to reach out to XXXX to close my checking and savings accounts for more than a week now via phone and email, but I just can not get a hold of anyone in their customer service. My initial contact was on XX/XX/2021 and I've been trying to follow up every day since. 

I have successfully withdrawn the entire balance from both accounts and they're now at {$0.00}, so there should be no issues closing either account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Identity Fraud occurred when mail was stolen from a business mailbox in XX/XX/2021. On XX/XX/2021, I was alerted by a detective that a suspect was taken into custody with a counterfeit California Driver 's license in my name, address, and DOB. On her person was {$3500.00} cash and $ XXXX.Cashier 's check and withdrawal slip from my personal checking account. In addition, there was a debit card for XXXX, and a form with my own personal information. On XX/XX/XXXX, I placed freezes and security alerts on TransUnion, XXXX, and XXXX, and disputed the many inquiries that has been recently made on my credit profiles. The suspects were released after two weeks. On XX/XX/XXXX, a MailDump in the City of XXXX XXXX turned up a new account opened at XXXX in XXXX XXXX in my name. Again, I investigated into my credit bureau accounts, and found that there had been more inquiries into TransUnion and XXXX. On XX/XX/XXXX, the suspects gained access into Transunion and XXXX and unfroze my accounts. There were apartment rental applications, retail credit cards, and attempted automobile purchases through XXXX and XXXX XXXX XXXX. I called XXXX, and found that the email on file was updated by the thieves to bypass any communication to me directly. The credit report from TransUnion on XX/XX/XXXX compared to the summary dated XX/XX/XXXX, showed another telephone number added to my profile. I was able to unfreeze my own XXXX account simply by using the automated system that inputs the information that was stolen by the identity thieves. There was no password on PIN required. These credit bureaus claim to protect the consumer, but it is a false security. Using personal information that was compromised, Criminals gained access to exactly the information that should have been protected the most.

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 2018-08-02
Company: NCB Management Services Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
NCB Management Services Inc appeared on my credit report this this past year as a collection stating that I owed {$3600.00}. The original creditor was XXXX ( which I think may be a payday lender ). The loan was for around {$3500.00} in which I paid every 2 weeks a large sum with very high interest rates ( 3-400 % disguised as FEES ). I paid approximately 1/2 the loan off and when I asked to re-borrow the extra debt was added to my balance but I never received the the extra funds. So I stopped payment. When I saw this collection on my credit report I called XXXX XXXX XXXX  XXXX was told they were only the financier and then I called XXXX but both said they have nothing to do with the loan. So I called NCB and asked for a compromise and we agreed to {$1200.00} payment and deleted from credit report. But they would not send me a letter stating this and I have found debt collectors to lie. So I filed with the XXXX  offering to pay {$500.00} and removal from credit reports, but this has not solved the problem either. How did the balance get to {$3600.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I went to purchase a vehicle. I spoke to a sales person in regards to said purchase and he stated once we found the vehicle which we were looking for he would run my credit. Well he stated and agreed that my credit would not be pulled until we found the car. We never found the car that day ( XXXX XXXX,2017 ) yet on the following day my credit was pulled by his sales manager as he  was n't present with the sales counselor of record when we spoke about finding the car and applying for a loan. I spoke to the sales manager he apologized for it as he stated he was unaware and that he would write a letter illustrating this mistake and contact his boss so the inquiry would be removed. The inquiry is still reflecting on my credit report and has not been removed.

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 2021-09-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been told and have had my XXXX XXXX XXXX account accordingly notated, that XXXX did not report student loans delinquent to credit at 30 days, instead, they reported delinquencies at 60 days. This policy was due to their issues not being able to properly track student loan delinquencies and updates to payments in a timely manner. That being said, XXXX, out of the blue reported me two x 30 days and 1 x 60 just recently this year. I spoke to multiple representatives about this and was advised that XXXX could arbitrarily change their reporting policies at their discretion, but in order to assist me, would escalate the matter. It has been about a month now, and XXXX has not resolved any issues and now I have multiple late reportings on my credit where now XXXX is the only account I have this type of derogatory reporting issue. I have record of having made my payment for the past 6 months or so and will attach it. This company has become very difficult to work with since COVID happened and I believe that this is an attempt for XXXX to disproportionately preclude people from refinancing their loans out of XXXX by giving them this unwarranted and illegal black mark on their credit.

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 2019-02-07
Company: Accelerated Financial Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I RECEIVED TWO LETTERS in the mail from Accelerated Financial Solutions in regards to debt they claim I owe XXXX XXXX. Account numbers are XXXX AND XXXX. I contacted the collector and was promised that after each debt was settled, they would both be deleted from my report. 
I offered to pay {$650.00} XXXX and {$700.00} for XXXX. They verbally accepted the offer via phone and I am waiting for them to remit a written agreement stating the debt will be deleted via postal mail.

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 2020-05-07
Company: Collection Bureau of America Ltd.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Originally filed a complaint ( XXXX ) against Collection Bureau of America regarding this account not being mine and that they need to cease reporting to my credit. I have filed a credit dispute indirectly through the XXXX  and also directly via email. Collection Bureau of America responded to the original complaint advising this is not my account and they were going to delete the trade line. This has not happened and they are still reporting to my credit. They are impacting my credit score and are causing me issues well trying to refinance stuff for lower payments and APRs. This is disappointing that this company has been notified multiple times through multiple different channels that this not my account and yet they have failed to delete this my credit which is a violation of the law. Also they have admitted this is not my account and yet they continue to report. My name is not XXXX XXXX and I don't live at XXXX XXXX XXXX in XXXX.

Company response to consumer: Closed with explanation