BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-10
Company: Experian Information Solutions Inc.
State: NC
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I tried cancelling my Experian Credit Monitoring account. There is no way to cancel online. I tried calling and the # 's either did n't work, or they transferred me and left me on hold for a long time. Is this a joke?

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 2022-10-11
Company: EQUIFAX, INC.
State: MI
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 received a copy of my credit report from XXXX XXXX dated XX/XX/2022 after I applied for a business credit card. The info posted by XXXX XXXX XXXX for account # XXXX IS INACCURATE AND NOT VALID. 

After multiple requests, XXXX XXXX XXXX has failed to provide documentation of any agreement between them and I, that gives them right to continue to bill me after I told them I no longer want their services. I never had a contract with XXXX XXXX XXXX and never signed up to be their customer. I was customer of XXXX XXXX and after my contract with them was up, I was on a month-to-month basis payment without contract. XXXX  XXXX was bought out by XXXX XXXX XXXX at some point and they increased their prices. I made contact with them and told them that I no longer want their services, as they increased the price from what I was previously paying and did not want to replace the defective equipment that was given to me by the previous company with a lifetime warranty replacement. XXXX XXXX XXXX is not owed any money, they continued billing me eventhough I told them I do not want their services, until I sent back their bill back with " RETURN TO SENDER - RECIPIENT NO LONGER AT THIS ADDRESS '' on the envelope.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: Experian Information Solutions Inc.
State: TX
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 have disputed these fraudulent charges recently and of the 2, One was removed but they are clearly made in the same store by the same person but only one was used. I am disputing the other charges as well. On XX/XX/16 The amount was {$790.00} with 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 2017-08-10
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Over the past several months i have been disputing this account and they keep saying that it is verified through the credit bureaus. I 've sent letters directly to the Creditor and the bureaus and the only thing i 've recieved back from the company is a bill from a doctors office that does not belong to me and a address that i 've never lived at before.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I was alerted that a bank account was opened in my name at Bank of America through an email. I currently have credit cards with Bank of America. When I called Bank of America to report that I never applied to open an account, the first person I talked to said I had to talk to a different department, but she couldn't transfer me. Her name was XXXX out of XXXX XXXX She gave me a different number to call. The next person I talked to said that because the account was opened today, she can't close it today, so it would take up to XXXX business days to close. I then said what am I supposed to do for 10 days? Clearly someone has stolen my information- there is a lot they can do in XXXX business days. She then told me that she couldn't help me further, and I needed to talk to the fraud department. She then transferred me to the fraud department. The woman there told me that because there had been no transactions yet, there is nothing she could do and I needed to talk to the checking department. I have gotten nothing but the run around from Bank of America. 

Additionally, it is baffling to me that in this day in age where I have to be texted pin numbers any time I breathe while banking with Bank of America that they would not have had something like that before they approved a new application under my name. I literally have no idea what steps I need to take now because bank of America refuses to help me when someone fraudulently opened an account in my name.

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 2020-05-21
Company: Experian Information Solutions Inc.
State: MA
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: Problem getting your free annual credit report

Complaint:
Using the official https : XXXX, I have now TWO YEARS running, been able to download my credit report from XXXX  and XXXX, but Experian 's website is defective and repeatedly gives the un-helpful " A condition exists that prevents Experian from being able to accept your request at this time ... .blah ... blah '' and says contact them by US Mail instead . Not happening. 

Please force Experian to fix this defect for all US Consumers.  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 2020-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
XXXX  and Transunion monitor my credit. At the start of 2020 my credit score was XXXX. Over the year it has steadily dropped down to XXXX. Why? I called XXXX and they want me to pay {$15.00} to receive a detailed review. I am not paying XXXX  anything. I am trying to buy property so this issue is imperative now. There's an issue of {$290.00} decrease in credit for which I have no knowledge. I opened two credit cards this year and after THEIR mistakes, I closed both accounts. Apparently closing a credit penalizes the consumer. WHY? My money, my choice, no penalty should be involved especially when no reason for cancelling the account is due to credit company errors. There is NO REASON my score should be steadily dropping. I have no outstanding loans, my house is paid in full and I have NO BALANCE DUE on the one credit card I have, although XXXX has me listed as having two credit cards, and have no idea what they're talking about. I do not like nor want any credit cards because I refuse to pay interest, but keep one open for emergencies, just applied for one and was DENIED. Where do these credit bureau obtain their information and WHY? It seems these bureaus are XXXX and the consumer is left in XXXX on their word. It also appears there is no where to dispute them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
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 information incorrect

Complaint:
I am filing a complaint in order to escalate the dispute process. I am disputing a repossession as reported by XXXX XXXX XXXX XXXX, account # XXXX, opened XX/XX/XXXX, balance reported {$5300.00}, original loan balance {$17000.00}. The reason I am disputing this is because the data furnisher was grossly non-compliant with California statutes : Notice of Seizure Cal. Bus. & Prof. Code 7507.10, Inventory of Personal Effects Cal. Bus. & Prof. Code 7507.9, Notice Before the Sale Cal. Civ. Code 2983.2, Reinstating the Loan Cal. Civ. Code 2983.2. 2983.3, Redeeming the Vehicle Cal. Civ. Code 2983.2, Furthermore, I wrote XXXX XXXX XXXX XXXX directly on XX/XX/XXXX to demand that copies of the above notices be mailed to my home address within 14 days. They did not comply, I have received no such correspondence. This leads me to believe these notices never existed, along with the fact that I never received them. I also wrote Experian and XXXX directly, return receipt mail, to notify them that since XXXX XXXX was in gross non-compliance with the California statutes above, that they should update my credit reports for accuracy. They have failed to do so. This complaint is to address XXXX XXXX 's data furnishing negligence and willful misconduct. I am hoping that directly disputing XXXX XXXX 's data furnishing practices will be sufficient to resolve this matter.

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 2018-02-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX Experian placed a formerly disputed fraudulent account on my report that has many times in the past been disputed as fraud not to exclude that the fraudulent account is over 10 years old. 

I immediately disputed the account as fraud and noted that it is an account that has many times over been disputed as fraud and more than 10 years old, and that clearly the current collection agency,  XXXX XXXX XXXX, bought it from another. 

Today XX/XX/XXXX, I receive an email from Experian that there was a change in my credit score. Experian dropped my credit score 63! points for an account that has been proven to be fraud, more than ten years old and has been repeatedly removed from my credit reports because it is fraud and more than 10 years old. And now today the same fraudulent account is on my Experian credit report twice!! It was first placed on my credit report on XX/XX/XXXX and again by the same company on XX/XX/XXXX So one day after I disputed the account as fraud and over 10 years old and before any investigation was even begun Experian penalized me with a 63 point credit score decrease and allowed them to place the same identical fraudulent account on my credit report that I had just disputed two days earlier These repeated errors by Experian, XXXX and XXXX  are cause for investigation into the companies themselves.

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 2021-08-11
Company: WELLS FARGO & COMPANY
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
Wells Fargo has been impossible to deal with. They do not return calls ans failed to resolve the time sensitive issue. Weeks have passed. We are unclear why they associated with poa with a XXXX account that was not requested. The poa was supposed to be associated with the line of credit. Also, I inquired about an overdraft question. I have received no response. XXXX has not reached out to me with a resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: CORELOGIC INC
State: IL
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:
Back in XX/XX/2018 I went to finance my first car. I went to a dealership and authorized them to run a couple credit lender inquiries in the local area. I had no prior credit, and used a co signer to help get me accepted for a loan on a vehicle. 
While on XXXX XXXX I noticed there are 9 hard credit inquiries that I had no idea even took place. I would like them removed prior to the two years  from my credit report so my score will be better. In the end, I chose one lender which is not even listed on the inquiries below. My biggest concern is minimizing the amounts showing as it was for one automobile loan, and the dealership ran that many without my knowledge. 

Inquiry details ... 

Credco Inquiry from XX/XX/2018 Misc. 

XXXX XXXX Inquiry from XX/XX/2018 Automotive XXXX Inquiry from XX/XX/2018 Finance XXXX Inquiry from XX/XX/2018 Finance XXXX XXXX Inquiry from XX/XX/2018 Bank XXXX XXXX Inquiry from XX/XX/2018 Bank XXXX XXXX Inquiry from XX/XX/2018 Credit Union XXXX Inquiry from XX/XX/2018 Finance

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 2021-04-26
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX, personal XX/XX/XXXX XXXX XXXX {$51000.00} {$51000.00} XXXX {$16000.00} XX/XX/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 2018-02-03
Company: EQUIFAX, INC.
State: FL
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:
Hello, i have more than 30 hard inquiries that i dont recognize and it is hurting my credit and interest rates ... becuase it i could not have a better offer from credit card companies and im paying high interest rates. I cant lease a vehicle or buy a house with moderate interest rate. 

I would like your help. 

Thanks very much XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I went to return both my instore and online purchases today and was not helped as expected. I ordered a watch a couple of weeks ago and paid XXXX. I also received XXXX in kohls cash for buying the watch. I turned around and bought items online and realized the XXXX spent did not get 30 % off. I talked to someone at the corporate office who said because I used Kohls cash no discount applied and did tell me if I want to return all item I could but to get full refund I need to wait for my online order to be delivered return it so I would get kohls cash back then return the ring and I would get full refunds as I was going to cancel my account and wanted full refunds. Today I go and manager XXXX argued me so bad customers scolded him and told him he should take care of me. All I wanted was my full refund on the ring I returned it and was given the refund of XXXX and told spend the kohls cash of XXXX to get the difference back I advised I want to buy nothing more and XXXX at the corporate office original said he should be able to void the cash and give me full refund but when he asked her how o do it she changed and said no refund would be given. Kohls is supposed to have hassle free returns and now I'm out XXXX in real money I plan not to use this Kohls cash. I want my full refund. Please HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: WELLS FARGO & COMPANY
State: NE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I did a loan with Wells Fargo in XXXX for a vehicle. Loan was paid off in XXXX or XXXX. I went to treasurer office this week to get a duplicate title to sell the vehicle and found out that I couldn't get it as Wells Fargo never released the lien on the vehicle. Now I am being shuffled all over Wells Fargo and its auto attendants trying to get this resolved. WF is telling me I don't exist in their system and I would need to send a copy of my drivers license and social security number to a blind fax number!!! I don't know where this number goes or who has access to the info, and was told there is no one that will answer the phone at that number. How do I know who/where my information is going to? I have a checking account, savings account, and credit card with WF, but they tell me they can not pull up my information that way? What the heck?? Got number to WF consumer loan executive offices and escalated to a manager. She can not find my information either. All I want is to have the lien released so I can get a duplicate title!! ..Why am I having to do all the work on this when Wells Fargo has once again XXXX up?

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 2019-03-13
Company: CITIBANK, N.A.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I have had a citi|best buy credit card since XXXX. I would occasionally make purchases because of the attractive 0 % for 6 or 12 month option. In XXXX I received a credit to my account for approximately {$400.00} and when I called was told that this was a refund due to an issue with some form of debt protection service. I have been a XXXX  XXXX my entire adult life so my initial ( nave ) thought was that it mistakenly got put onto my account & that they recognized the error and corrected it. Today XX/XX/XXXX I was checking my balance and found that my balance had not decreased in the correct amount. After reviewing, I found that there was a consistent charge that has been applied for the last 5 months labeled " credit life insurance fee ''. 5 months is all that I can review, I have no idea how long this fee has actually been effecting my account. I have NEVER opted in for any add on 's such as credit life insurance, or payment protection of any kind. What Citi is doing Is pure FRAUD. Consumers need to beware this company will go to any extent to make dime. I contacted citi and they said that " they cancelled the coverage & will review my account for a refund '' They told me that I will either see the credit to my account or receive a mailer in 30 days. After researching online it appears that this is there typical response, I have not read one situation where they refunded the fraudulent fee 's. It is completely asinine that this company is still allowed to operate this is a complete 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 2019-06-01
Company: HYUNDAI CAPITAL AMERICA
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: Was not notified of investigation status or results

Complaint:
ON MY CREDIT REPORT THERE ARE FEW FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. THESE ACCOUNTS DON'T BELONG TO ME. THESE ACCOUNTS WERE OPENED WITHOUT MY CONSENT.

Company response to consumer: Closed with explanation