BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-22
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: Information belongs to someone else

Complaint:
Hello Per my conversation with Experian, they will be removing all inquiries that are fraudulent and related to identify theft, I have identified all the inquiries that are to be removed and has been speaking to their id theft customer service and they told me those will be removed unfortunately that's not the case and I'm a force to see help to get this resolve on top of the identity theft damage already done. 

Have also filed a FTC Report. 

Reference to the following info Case : XXXX - Fraud Resolution Please remove all the below noted Inquiries as those are fraudulent XXXX/XXXX  Department And Variety Stores - non specific Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX XXXX  XXXX AUTO FIN Auto Financing Companies Inquiry date : XX/XX/XXXX THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX LBS XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX FED XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX Financing Companies Inquiry date : XX/XX/XXXX XXXX  XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Dealers, Used Inquiry date : XX/XX/XXXX XXXX BANK XXXX XXXX XXXX Banks - non specific Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Unions Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX XXXX Department And XXXX XXXX - non specific Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX XXXX/XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX XXXX Specialty Clothing Store Inquiry date : XX/XX/XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX All the above aren't mine and I never applied for those, please note a fraud alert is already in place on my account for 7 years due to identity theft. 

Thank 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 2022-12-09
Company: EQUIFAX, INC.
State: NJ
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance mortgage with XXXX XXXX ( XXXX of XXXX ) on XXXX, XX/XX/XXXX. At the time, they immediately charged my account for an appraisal. It was {$550.00}. XXXX XX/XX/XXXX, I sent an email to XXXX XXXX requesting that he cancel the appraisal as well as the loan application. Apparently the appraisal was not cancelled as I received a phone call on XX/XX/XXXX from the appraiser stating that he was at my house. I explained that the appraisal should have been cancelled by XXXX XXXX. The appraisal was not done. I have requested a refund on three occasions from XXXX XXXX and have not received any communications from them. Please see emails below. XXXX stated that she is not the right person to contact however, she had forwarded my email to the correct person. I would like a refund of {$550.00}. 

XXXX XXXX XXXX, Are you the right person to ask about the refund for the appraisal that did not take place? 

On XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX wrote : Good Afternoon XXXX, could you please tell me when my funds that you collected for an appraisal will be returned to me? Thank you On XXXX  XX/XX/2021, XXXX XXXX XXXX XXXX XXXX wrote : Good Morning XXXX, I have devised to go a different route. I asked XXXX to cancel my appraisal ; could you please have the {$550.00} fee refunded. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Experian is a fraud company and advertising falsely that you can see your credit information on the credit check total. However, I have same day reports from Experian and credit check total and it's not the same. I've paid for months for this fraud service and now I see it's a total scam.

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 2023-01-13
Company: Exeter Finance Corp.
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:
The only time a consumer reporting agency may furnish a consumer report are under the following circumstances and no other : ( o ) In accordance with the written instructions of the consumer to whom it relates. 
I Did NOT give you written instructions to furnish this on my credit report!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Experian Information Solutions Inc.
State: PA
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon XXXX 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 explanation
Consumer complaint received 2020-07-22
Company: Experian Information Solutions Inc.
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:
Hello I tried several times to have my loan with XXXX resolved after they unfairly repo my vehicle on XX/XX/XXXX, fortunately, recent my Attorney general from the state of California announced that a settlement has been reached and XXXX has agreed to remove all negative information from my credit report and completely paid off any amount of money that was owed to them, I tried to speak to someone at XXXX but they have not answer nor return my call. 

Please see the below as a reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  https : XXXX California Attorney General XXXX XXXX today, along with a coalition of 33 other attorneys general XXXX announced a multistate settlement with XXXX XXXX XXXX XXXX ( XXXX  ) that includes over {$550.00} XXXX in nationwide relief for XXXX XXXX California consumers will receive over {$99.00} XXXX of that amount. 

As part of the settlement, XXXX will provide over {$99.00} XXXX in relief to thousands of California consumers who XXXX approved for its abusive high-cost loans. Consumers with the lowest quality loans who had defaulted as of XX/XX/XXXX, and have not had their cars repossessed, will be allowed to keep their car and have any deficiency balance on the loan ( up to a total value of {$45.00} XXXX in deficiency waivers nationwide ) waived. XXXX will also waive the deficiency balances for certain defaulted consumers across the country, with approximately {$430.00} XXXX in immediate forgiveness of loans still owned by XXXX, and additional deficiency waivers of loans that XXXX no longer owns but is required to attempt to buyback.

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 2023-04-13
Company: EQUIFAX, INC.
State: TX
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 had reached Equifax bureau, XXXX and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV FUNDING is claiming that I owe them {$960.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Sent in documentation to show proof of a balance I know is owed to the original creditor XXXX XXXX. National Credit System first failed to verify the debt within 30 days from the date of the original letter was issued to the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. that was provided then National Credit System failed to verify the debt again with 15 days from the date of the original addressed to National Credit System. National Credit System keeps saying the debt has been verified ; however, after further investigation, it was determined that XXXX XXXX  is no longer managed by XXXX XXXX, they are no longer in possession of my previous apartment file, and are unable to properly determine what amount is owed due to being brought out by a brand new company and hiring a new team of property management. Due to this matter the collection company National Credit System is trying to force me to pay on a debt that is falsely owed after I sent in verified documentation and is failing to do the right thing under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am inquiring about the settlement claim that I was not included in. I had a savings and checking account with Wells Fargo bank for many years and have not received any compensation for the settlement claim- I tried to contact Wells with no help with this matter. Please help THANK 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 2023-01-04
Company: R&R Professional Recovery, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
i have disputed this and transunion deleted it i have the documents but XXXX has yet to take it off of my report which the law states that medical bills under {$500.00} shouldnt even be put on your credit report the company is R & R Professsional Recover the amount they have listed is {$120.00} i would like this deleted off of my report because it shouldnt even be there

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citibank notified me in XXXX that they would no longer renew my Citibank XXXX XXXX card that would expire in XX/XX/XXXX. Called to see if they would reconsider and they told me they would request to reopen the account. Called today XX/XX/XXXX to see the status of the situation and they said they would not reopen the account. I requested a refund of the annual fee of {$450.00} that was paid in XXXX to cover the annual fee through XX/XX/XXXX and they said they would not issue a refund. The account was in good standing and they chose to close it and refuse to refund a fee that was paid. I paid for a service and benefits that I will not have because they chose not to renew my account. This is not right. Ive been a Citi gold and then priority client for almost 20 years and thats how they chose to treat me.

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 2018-12-18
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The collection agency representative could not get me on the phone so he/she proceeded to speak with my wife about my debt/account. My wife is not an authorized user on my account or authorized to speak to anyone on my behalf. This has happened twice. They tried to get her to authorize a payment arrangement on the account. She told them they should not be speaking to her and asked that they call me instead. They insisted that the laws allow them to speak to her in my absence. 

The most recent call was XX/XX/2018 and the one prior was about 2-3 weeks ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-04
Company: CAPITAL ONE FINANCIAL 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: Reporting company used your report improperly

Complaint:
Hello, my name is XXXX XXXX XXXX, and I had retail installment agreement with Capital One Auto Finance. I called and mailed Capital One several letters and correspondence of my financial hardship during this Covid-19 health crisis and recission that has impacted the entire world. In the year of 2021 due to extreme medical prognosis and contracting XXXX, I became seriously behind on my obligations. Although I made a mistake by falling behind, before contracting XXXX I also maintained a stellar record, by making all payments on time. I understand the importance of that and dont want to damage my relationship with Capital One Auto Finance . I am currently in the process of purchasing a home for my family, but I am finding out it is extremely difficult to obtain an affordable interest rate because of the negative impact this late payment has caused on my credit worthiness, Im requesting an Accommodation under the Cares Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The phone company XXXX had agreed to close the account due to a family member that was over the line that passed. The account was closed and I was contacted by a debt collector. I then resolved the debt with them and another debt collector got hold of the XXXX bill and now I have XXXX of the same debts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
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: Reporting company used your report improperly

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 non-monetary relief
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-07-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Early XX/XX/2020 I submitted disputes along with my attorneys via USPS mail. XX/XX/2020 I get an email from Equifax that they are investigating. Now I've already tried a week prior to access my credit reports via Equifax which is impossible. The email ask me to click on a link to opt-in to receiving notifications via email. When I click the link, fill in my info I constantly get a confirmation failure. Then I set up an account, can't log in. Even after changing the password several times ( you can only input so many different times ) every time they send the link to my email to change. After changing, I still can't log in, then it locked me from logging in asked me to call XXXX. On XX/XX/2020 I called verified my self ultimate times, the representative is incompetent as well, ask me to change the password again, then it locks me out. She then says there is a problem with their system. Yea right and that I needed to call back in an hour. I asked for a supervisor and she did everything to keep me from talking to an supervisor, until I demanded. Then I thought, often these issues with communication occur with a break down in culture and understanding. When the supervisor came to the line, I asked him what country were they in and he refused to answer. Actually stated that they were not allowed to say so. I again explained the frustration with their system and how no one seems to understand what's going on or how to get us access. While waiting for the supervisor I started google searches and found many people complaining of the exact same issues. Many on XXXX. When a company has such personal information of ours, the constant threat of identity theft and then they offer us incompetent representatives from other countries does not give us the most trust with the company. I am not comfortable with this at all. I asked to speak to an american supervisor. Equifax has issues that are not experienced by the other consumer bureau agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Experian Information Solutions 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'm filling this report because, I check my credit and notice so many fraudulent Activity on my credit it seem like whoever stolen my Identity was out of control. they was running my credit with so many different major Companies. I would like to put a fraud alert on my Credit. these Accounts that's on this report I did not authorize these Accounts needs to be off my credit. 
thank 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 non-monetary relief