BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I Sent my letter off on XX/XX/2022. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

XXXX XXXX XXXX - {$10000.00} XXXX XXXX XXXX - {$16000.00} XXXX XXXX XXXX XXXX - {$490.00} XXXX XXXX XXXX - {$280.00}

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 2022-12-27
Company: Experian Information Solutions Inc.
State: AR
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 would like to state that Experian is in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave Experian written consent to report anything on my consumer report. No consent is identity theft. I would like to state pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing Experian these inaccuracies to be furnished on my consumer report, it may cause me to lose confidence in the banking system. If Experian wants to continue to do business with me, they should delete these inaccuracies off my consumer report immediately. 

" see attachment ''

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 2019-02-04
Company: Experian Information Solutions Inc.
State: MN
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: Billing dispute for services

Complaint:
In XX/XX/2018 I tried to obtain my annual free credit report from the Experian website. To get my report, I was forced to pay {$1.00} and enter my credit card number. Recently, while preparing for 2018 taxes, I noticed that my XXXX card was being charged {$21.00} for an Experian Credit Report each month since XXXX. I tried to call the Experian number listed on my statement and could not get thru to an agent to discuss this issue. I then contacted XXXX to dispute the charges. They contacted Experian who told XXXX that I was being charged because I had checked a box which initially charged {$1.00}, but then resulted in an ongoing monthly membership fee of {$21.00} if not cancelled in 30 days. This is a completely deceptive business practice. 
I tried calling four different Experian Customer Service numbers ( XXXX, XXXX, XXXX and XXXX ) but could not get thru to an agent or cancel the service with any of them this is also a very unethical practice. 
Finally I dialed a number and selected an option to report Minor Credit Reporting fraud, and got through to an agent ( XXXX from the XXXX XXXX ) who was ultimately able to cancel the monthly charge, but refused to refund the {$130.00} that I have spent on this 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 2019-07-06
Company: Aqua Finance, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On or about XX/XX/2019, I submitted a boat application to XXXX XXXX XXXX XXXX for a " XXXX XXXX  XXXX XXXX XXXX XXXX '' XXXX XXXX XXXX ( Standard Package ) for one primary applicant. 

On XX/XX/2019, I received a call from XXXX of XXXX XXXX stating that my application had been approved by Aqua Finance for about {$27000.00}. The advertised base price of the boat I wanted was {$25000.00}. However, after visiting several XXXX XXXX/XXXX XXXX XXXX, the same boat listed was for significantly more than my approved loan amount. 

I, subsequently contacted XXXX of XXXX XXXX and asked for a reconsideration of my loan for {$34000.00} because I couldn't find a boat for the original amount of {$27000.00}. I was told in order to qualify for a higher amount that my wife had to be included to my application with her income being verified. I declined to add my wife to the application. And that I like to retain my initial loan approval. I never submitted a separate loan application with my wife included. 

The next day I was told by XXXX ( XXXX XXXX ) that Aqua Finance had rescinded my initial loan approval because I had not provided proof of income. How can this be? I had already provided all requested information initially and I WAS ALREADY APPROVED! 

On XX/XX/2019, I contacted Aqua Finance to find out the reason for my initial loan approval had been rescinded. I spoke with XXXX and was later transferred to speak with XXXX. The only information they would provide was that my applications had been denied for lack of income verification. I then asked what was the income thresholds for a {$27000.00} loan? They didn't known the answer or they refused to tell me. 

How could you rescind a loan that has already been approved and in effect for about a month and then later claim that income was not sufficient or had not been provided? What changed since the initial approval until now? The only change was when I refused to apply for a joint account with my wife for a higher loan amount. 

Regulation B, the implementing regulation for the Equal Credit Opportunity Act. Section 202.7 ( d ) External Link of Regulation B generally provides that a creditor shall not require the signature of an applicant 's spouse who is not a joint applicant on any credit instrument if the applicant qualifies on his or her own. 

I believe that I have been discriminated against based on the above citation ( marital status ), because I refused to reapply for an already approved loan with my wife. Thereby changing my initial one person application to a joint application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: CITIBANK, N.A.
State: NV
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 with product or service terms changing

Complaint:
Ever Since I paid off my personal loan, there seem to be like an unauthorized personal load after,, why would i want to open up another loan when i just paid it off. Once this loan has been open up again there seems to be so many issues, you guys are constantly billing me to pay it off this loan that wasn't made by me and also there numerous of unauthorized withdraw transaction and now my account is blocked and on hold and i can't even close it down. I want to close this account and take my money to go to a different bank because all you guys want me to do is to go broke. every pay check i get it go straight to you guys and i feel like you guys just want to take my money. I'm tired of this situation and i want my life back!!

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 2023-01-22
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
See complaint XXXX previously filed on XXXX ( PenFed Credit Union XXXX XXXX it was closed but not resolved. I have sent a followup letter to respond to PenFed 's letter claiming it is being resolved. They are resolving by lieing to us and harrassment. It needs to stop. PenFed has continually lied to us and now trying to bully us into paying for their mistake. The letter details how their version of what happen is not supported. They say a double reverse was made, one by the merchant and one by PenFed. To this day the merchant is calling us to check on us to see if we have any issues using their software which would disputer PenFeds claim that the merchant reversed their charge. PenFed outside credit department and inside billing department twice told us it was PenFed 's mistake and it would be reversed, they are liars and request the disputed amount be exsponged ; an apology, our account balance refunded, PenFed investigated for customer abuse and illegal activities.

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 2021-03-31
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: Account status incorrect

Complaint:
Closed and paid XXXX auto loan account is reporting late payments that are not actual. I would like the late payments removed or the entire trade line deleted from my credit reports with all 3 bureau 's

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
There was unusual purchase in XXXX XXXX that I didn't make that kept showing up on my account I called like XXXX times an it continued to happened still hasn't been solved just refunds but my account somehow is still being charged ....

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 2019-07-06
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft the information which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. Equifax deleted the account and then placed it back on ). Equifax has failed to remove block and deleted information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the 605b, 609, 611 ( a ) ( 5 ) ( B ) and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-01
Company: Experian Information Solutions Inc.
State: AL
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:
Over 60 days ago on XX/XX/2020 I sent in a dispute letter concerning the fraudulent accounts that is being reported on my credit report. Still to this day I have not received any notification, email or letter in the mail stating that they have disputed those accounts.

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 2019-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
On XX/XX/XXXX I sent a dispute to Transunion due to 8 items on my credit report being shown with a current status of " 120 days past due ''. Now since these accounts were paid in full and have a XXXX  balance they can not also be past due and a violation of my rights. Furthermore due to these student loans being discharged due to being XXXX and XXXX XXXX they should have been removed as I am not responsible for these accounts. On XXXX XXXX I received a response stating the items were updated or remains. On XXXX XXXX I mailed a request to Transunion asserting my rights under the FCRA section 611 for a method of verification and from FCRA 611 ( a ) ( 7 ) for a description of the procedure used by Transunion in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ). To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Today I received new " dispute results '' from Transunion dated XX/XX/XXXXjust stating the items remain or were updated so the actual request was ignored and they just opened a new dispute instead of providing the information under FCRA 611. Since Transunion did not comply with this request within the time frame allotted they need to delete the disputed accounts.

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 2019-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Transunion is reporting 2 accounts with 2 late payments each and this information is incorrect. I have tried disputing it directly with them, to no avail.

1. XXXX XXXX shows 2 late payments - I have never paid this account late.

2. XXXX XXXX XXXX shows 2 late payments - I have never paid this account late.

These accounts need to be update and late payments 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 explanation
Consumer complaint received 2020-11-04
Company: ONLINE Information Services, Inc.
State: OH
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:
The following accounts listed below are fraudulent accounts and doesn't belong to me. 
They are in violation of FDCPA 805/806/809 and the accounts need to be deleted from my credit report : XXXX XXXX XXXX # XXXX ONLINE INFORMATION SERVICES # XXXX XX/XX/XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: AMERICAN EXPRESS COMPANY
State: OH
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:
Im trying to buy a new truck and the place where im getting the truck told me that I owe American Express a large sum of money which is incorrect. I called American Express they said they are showing the same thing but I do not have a balance on the card. I dont know how long this has been going on but its affected my credit alot. They told me that they would fix the problem but still haven't Im beyond mad because I probably wont be able to get the loan for the truck because of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Portfolio Recovery Association In accordance to the fair credit reporting Act XXXX has violated my rights. 15 USC Section 602 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 15 USC Section 604a In accordance with the written instructions of the consumer to whom it relates. 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. This has to do with XXXX selling my account to collection company who is not the company I have account with.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I wrote Experian because after talking with a mortgage person he said there were problems with my credit report so he had me go to a web site and get my reports. He told me where to find a simple form letter on line and to write the credit bureaus with my questions. Experian sent me a letter saying my letter was suspicions and they refuse to help me. 
I believe since I am a XXXX they are discriminating against me. I am educated and know my rights. I have read what they are.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
U.S. BANK STILL CONSTANTLY SHOWING DISHONEST STATEMENT TO US AND OUR ACCOUNT TRANSACTIION. DATE PRINTED OUT STATEMENT XX/XX/2019 BY XXXX. DEEMED TO BE HOLD ON TRANSACTIONS FOR MONTHS JUST TO DEDUCTED MONEY ILLICITLY SOMEHOW FROM OUR ACCOUNT PERHAPS. 
CHARGING FOR ATM PRINT-OUT IS RIDICULOUS & RIDICULE, WE WERE TOLD, THAT NO CHARGED OF ANY KIND WITH OUR ACCOUNT. BUT, TODAY XX/XX/2019 CHARGED A {$1.00} DOLLAR FOR A PRINT OUT AT U.S. BANK INSIDE XXXX XXXX. SOME OF THE WORKERS INSIDE STORE U.S. BANK DEEM TO BE CROOKED EMPLOYEES. MAJOR CONCERNS.

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 2021-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently purchased a house and i noticed a car loan from XXXX  on my credit report without my knowledge. I have never did any business with this company. I am asking that this account be removed from my credit report please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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: Problem with personal statement of dispute

Complaint:
The following accounts below are listed as a Charge Off on credit reports. 

XXXX - closed XX/XX/XXXX - {$2700.00} XXXX - closed XX/XX/XXXX - {$1000.00} XXXX XXXX - closed XX/XX/XXXX - {$530.00} XXXX XXXXXXXX - closed XX/XX/XXXX - {$1700.00} XXXX  XXXX - closed XX/XX/XXXX - {$460.00} XXXX  XXXX - closed XX/XX/XXXX - {$1700.00} XXXX XXXX - closed XX/XX/XXXX - {$3300.00} XXXX XXXX - closed XX/XX/XXXX - {$690.00} XXXX XXXX - closed XX/XX/XXXX - {$230.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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: Problem with personal statement of dispute

Complaint:
The following accounts below are listed as a Charge Off on credit reports. 

XXXX - closed XX/XX/XXXX - {$2700.00} XXXX - closed XX/XX/XXXX - {$1000.00} XXXX XXXX - closed XX/XX/XXXX - {$530.00} XXXX XXXX - closed XX/XX/XXXX - {$1700.00} XXXX  XXXX - closed XX/XX/XXXX - {$460.00} XXXX  XXXX - closed XX/XX/XXXX - {$1700.00} XXXX XXXX - closed XX/XX/XXXX - {$3300.00} XXXX XXXX  - closed XX/XX/XXXX - {$690.00} XXXX XXXX - closed XX/XX/XXXX - {$230.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I've been with Wells Fargo since XXXX  every since I started with him I've had issues they overcharged me for everything and the fees are outrageous or something needs to be done about this 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