BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-22
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:
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 ( 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 2021-11-16
Company: Experian Information Solutions Inc.
State: CO
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:
So I filed a complaint for the same issue, Complaint # XXXX months ago. It got fixed then, but has now happened again!!!! Your insane XXXX system is ruining my credit rating AGAIN!!!! When are you going to stop using XXXX to affect one 's credit score????? It's your XXXX software that is the problem since it seems to lose all of my accounts every few months which then decreases my credit score dramatically!!! Both XXXX and XXXX show my score as being over 800 but Experian has decreased my score to under Excellent AGAIN after deleting most of my accounts. THIS IS AN EXPERIAN XXXX PROBLEM THAT NEEDS TO BE SOLVED FOREVER OR NEEDS TO STOP MAKING PEOPLE USE IT TO CALCULATE THEIR FICO SCORES!!!!!!!!!!! PLEASE FIX MY ACCOUNT IMMEDIATELY TO SHOW MY ACCURATE FICO SCORE!!!!!!!!!!

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 2023-07-18
Company: Experian Information Solutions Inc.
State: SC
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 filed multiple disputes regarding my reports which they have claimed to have verified. there is a lot of inaccuracies, and inconsistencies on my report that is not metro 2 compliance. The following items on my report that was disputed : 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 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 2017-11-16
Company: Cottonwood Financial Ltd.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/XXXX I received a phone call from XXXX XXXX from XXXX XXXX XXXX XXXX regarding legal papers that would be sent to my home for my signature. She then proceeded to tell me that my XXXX XXXX XXXXXXXX would be affected because I defaulted on a payday loan. She also asked questions about my vehicle and whether or not I still owned it. 
I got the same phone call again on XX/XX/XXXX making the same threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Bread Financial Holdings, 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: Credit inquiries on your report that you don't recognize

Complaint:
I seen an inquire on my credit report and i did not request it. I requested removal on XX/XX/XXXX and was told it would be from company and it was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
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 XXXX XXXX notice that XXXX and XXXX  continue to report a fraudulent collection to my account. This is my third time going through this process and next time im taking full legal action. ( XXXX XXXX XXXX/XXXX  XXXX {$560.00} ) continues to report to XXXX and Experian ... Ive never in my life opened up an account with XXXX! This is continuing to affect my credit and has put me behind in purchasing the home that my family and I choose. If this account continues to report and not removed within the next 4 business days. I will be taking full legal action against XXXX and EXPERIAN. 

( XXXX XXXX XXXX/XXXX XXXX {$560.00} ) XXXX AND XXXX Continue to report this fraudulent Collections Account ( XXXX XXXX XXXX/XXXX XXXX {$560.00} The Fair Credit Reporting Act ( FCRA ) is the federal law that governs the national credit reporting agencies ( CRAs ) : XXXX, XXXX XXXX and Experian. It also governs creditors, collection agencies and other businesses that furnish information ( furnishers ) to the CRAs. The FCRA provides victims of identity theft with numerous rights. Consumers can bring legal claims against the CRAs and furnishers if they fail to comply with the FCRA. 
The most important right is the blocking of information on a credit report that resulted from identity theft. A CRA must block the reporting of any fraudulent information within four business days of receiving a dispute from a consumer that contains : Identification of the fraudulent information ; A copy of an identity theft report ( an identity theft report is an official, valid report filed by the consumer with a federal, state or local law enforcement agency including the post office ) ; A statement by the consumer that the information is not related to any transaction by the consumer ; and Appropriate proof of identity. 
The CRA must notify the furnisher of the information that it has blocked the information as fraudulent. The CRA will also notify the two other national CRAs that it has blocked the information. The consumer should receive a letter from the CRA stating that the information has been blocked. 
If the consumer sends the CRA the required materials and the CRA does not block the disputed information within four days, the consumer can bring a legal claim against the CRA.

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 2021-12-11
Company: TRUIST FINANCIAL CORPORATION
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
One of the many times my mortgage has sold it was sold the last time to TRUIST... It has been a nightmare ..payment jumped about 150 per month they said ( After a 90 minute wait on the phone ) that taxes and homeowners insurance had gone up... It didn't add up since insurance had only gone up 200 or so for the year total ... and tax assessment was the exact same as before. Since I had read that tax RATES would probably go up this year I let it alone ... Today I get a notice that the homeowners insurance will be cancelled since Truist has not paid the premium. Now Monday I can take off work pay the XXXX out of pocket ... and MAYBE get it back from Truist from the escrow or just let them keep it I suppose ... .Even if I do get it back it will be months.One wonders if Truist would give any of us XXXX interest free for a couple months. This would not be happening if mortgage companies were not allowed to sell and resell mortgages. It causes a ton of confusion but why would they care? The consumer spends the time trying to work it out.HOW is this not fraud??

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 2018-08-06
Company: Avant Credit Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Hello, I applied for a Loan with Avant Approx XX/XX/2018, it was for XXXX. Avant collected all of my Information, bank statements, Income Verification, Etc. I have used Avant previously with 2 different Loans totaling {$8700.00} and successfully paid back in less than a year on both loans, I have a 100 % excellent payback history with Avant. 

Avant Mis-Informed me about Reapplying & the affects to my Credit Report. 

My complaint is that after my loan application for {$10000.00} was denied, I called to Inquire, Avant Customer Service Reps told me that wait ( 30 )  days & apply again either by phone or log into my account & follow instructions on my account page, I did exactly what they told me to do BUT they MISLED me because when I logged into my account 30 days later, Avant sent me a text with another denial? I called inquiring about this text message of denial, The Customer Service Rep told me I applied for another loan too soon, I DID NOT apply again for another loan, all I did was Log into my account, NOW the CSR said I would have to wait another 30 days from XX/XX/XXXX. My Complaint is that Avant MISLED me to wait 30 days, Call Back or Log Into my Account 30 days after original application, I Followed their protocol & was MISLED again & denied to Apply within 30 days, which IMPACTS my credit score because I will now have another Hard Inquiry & I will possibly have a denial from another Loan Source

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: Square Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2021 there was a fraudulent transaction from my account issued to a XXXX in the amount of {$6000.00}. " XXXX '' was an ex-boyfriend who apparently had stolen my phone and sent the money to himself after turning off my notifications to my number and changing his cash tag to XXXX from XXXX. I immediately contacted cash app and inform them of the fraudulent transaction and they had me fill out the normal paperwork and said that in 10 days they would give me an answer after multiple times I'm trying to reach out to them through phone calls emails and chat messages I was able to get nothing resolved until far after the time to which they informed me that it was a non fraudulent transaction because said " XXXX '' and I had previous transactions. I also inform them that this XXXX had changed his name and had also deactivated his cash app account immediately after he did this. I tried to reach out to them again and explain to them that this was not an authorized transaction there had never been any transactions anywhere close to the amount that about that night the biggest transaction was {$600.00} that he paid to me for a broken TV and yet they still to no avail would do nothing about it and told me that their decision was final {$6000.00} is a lot of money to lose out on due to cash apps negligence and failure to protect me and my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: Experian Information Solutions 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 am a victim of identity theft and have been trying to get the credit bureaus to remove the following accounts that have to do with this theft. The following accounts are a result of identity theft : With XXXX : XXXX XXXX XXXX XXXX XXXX With XXXX XXXX XXXX XXXX XXXX XXXX With Experian XXXX XXXX XXXX XXXX XXXX I keep asking them to remove these items and block them due to the identity theft but they just give me a generic response making me wait 30 to 60 days and the theft remains.

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 2021-01-30
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
A REVIEW OF THE PROBLEM : I successfully set-up an account with Mazda Financial Services to auto-deduct monthly payments after purchasing my vehicle in XXXX, XXXX. However, since successfully setting-up the MFS account, I have been locked out of it. While I do not believe this is a nefarious attempt to keep a customer from accessing the MFS portal, I can not be certain, and as a consumer, believe I have the right to access my online account, should I desire to do so. I have talked at length twice with MFS representatives ( all very kind by the way and legitimately eager to help me ) on XX/XX/XXXX, and XX/XX/XXXX. However, no one has reached out since XXXX, and no additional options have been made available, other than those outlined below, which have all failed. 

I mentioned in my correspondence that I would send my next communication to record my issue with both the CFPB and the FCC XX/XX/XXXX. They will receive a detailed letter, along with my call records and all issues as outlined in my first and second letters. While MFS has not ignored my issue, theres been no resolution and I feel that the problem has been underappreciated by MFS.

I have : Verified with MFS that my email address is correct in the Mazda Financial Services system ( sent email address ). 
Tested various browsers XXXX XXXX, XXXX, XXXX XXXX. 
Tried BOTH XXXX and XXXX XXXX  ( and all browsers, other than XXXX for XXXX XXXX to resubmit, then check email for verification codes. 
Contacted customer service twice each escalated to a higher level with no results. 
Followed instructions to login for NEW verification codes they expire for each new session. 
Checked for the verification email directly in XXXX XXXX with no results no email ever arrives. 
Checked ALL SPAM filters, plus email programs I use in personal mobile devices, and desktop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
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:
XXXX XXXX - ( XXXX ) XX/XX/XXXX XXXX XXXX - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX - ( XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - ( XXXX ) XX/XX/XXXX I am submitting a complaint on the inquiries XXXX have received from above. I have not authorized these companies to view my credit history. I am requesting to have the above credit inquiries removed from my credit report. I have not authorized these companies to view my credit history, and I believe that their presence on my report violates the Fair Credit Reporting Act.

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 2023-07-24
Company: EQUIFAX, INC.
State: CO
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 ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 


1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : 2022 Delete this account. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 16921 XXXX XXXX XXXX  Account Number : XXXX Delete this account. 


4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 


5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24
Company: REGIONS FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello my name is XXXX XXXX XXXX. I am a victim of identity theft and my personal information was compromised. Accounts was opened in my name without my consent. I also just recently filed bankruptcy and I included Regions bank with my filling. Attached are the legal documents

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 2019-12-14
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:
I recently noticed several accounts and inquiries on my report that I didnt authorize, after being denied credit for a car loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-15
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
There was Monthly Payment Agreement of {$460.00} with the alleged student loan servicer-Navients XXXX XXXX [ Employee ID XXXX ] per the Recorded Voice Conversation. 

There were/are multiple notifications " by the alleged student loan servicer-Navient for overpayment from my bank account ''. Yet the alleged student loan servicer-Navient continues to take this money automatically from my bank account and continues to record non-payment of Student Loan with late fees. 

The alleged student loan servicer-Navient also reporting Fraudulent Loan Balance of this private student loan to all Credit Reporting Agencies such as XXXX XXXX and  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
The account was closed by the guarantor and paid off in full but still reporting negatively.

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 2019-12-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this card never received statements or nothing there was a data breach and my info was compromised I was alerted by XXXX XXXX  and now I get this collection letter for XXXX credit which I never had! 
Also XXXX advise me their credit limits only go up to {$16000.00} so there is no way I should have a balance of double {$32000.00}? 

I dont understand how XXXX credit would let somebody go over double the credit limit and even the fraud specialist was surprise this account was not frozen

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: CL Holdings LLC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Collection agency XXXX XXXX XXXX has reported a debt on all three of my credit reports in the amount of {$460.00} on XXXX XXXX they also have reported both that its either open or closed. The original debt was purchased by XXXX XXXX, I have never had this cellular service ever. The are also other discrepancies on my credit reports which I am currently disputing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had medical insurance of through the state of which I provided the information to the company back in XXXX when the matter arose. In XXXX I was placed in collection for this debt with CMRE. I had spoken with them on several occasions even disputing this debt and requesting validation of the debt. I was never provided such information upon my request. Due to the matter being incorrect it was removed from my credit reports. However CMRE violated fair credit act by re-aging this debt and changing the amount in order to place this debt on my credit report again. The debt they are now claiming is XX/XX/XXXX of which I have had medical insurance over the last XXXX.

Company response to consumer: Closed with explanation