BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: FL
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:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian XXXX XXXXXXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-01
Company: SYNCHRONY FINANCIAL
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, SYNCB/TJX CO add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-11-30
Company: Bridgecrest Acceptance Corporation
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
For the past few years that I've had this car there has been a precedent set by Bridgecrest for notifying of delinquencies. The few times I unfortunately got to the repossession stage I would receive an email telling me exactly what date I'd be up for repossession and there would be a banner on the web page when I logged in notifying of that same date. 
In XXXX I received such a notification and my car went up for repossession. My wife spoke with the reposession agent and told him that we were in the process of filing bankruptcy. He said he would take that information back to Bridgecrest. Two days later he was knocking on our door bright and early telling us that Bridgecrest advised him to pick up the car whether we were in bankruptcy or not. 
My wife called and spoke to an agent about the matter and gave the agent the last {$650.00} we had to our name. It meant we were going hungry but we needed the vehicle. The agent told my wife this would stop reposession and give us time to work something out. This was on XX/XX/XXXX. 
We started trying to gather money to get caught up and to pay for our bankruptcy filing. On XX/XX/XXXX, in the middle of the night, the day before XXXX, with ZERO warning, our car was reposessed. The agent pulled it so hard there are still marks on our driveway ( that we would like fixed ). There was no email with a reposession date, no banner on the website. None of the notifications that had been established over the life of the loan. Its as if because they knew we were filing bankruptcy they decided to just snatch it, and worry about it later. 
At this point we don't want the car back. We'll only be giving it back in bankruptcy anyway. What we do want is for Bridgecrest to keep the vehicle, remove it from my credit report, and not come after us for any deficiency. Bridgecrest was told numerous times about our bankruptcy filing and we will have no problem reporting them to the trustee for violation of the automatic stay that is in place. In lieu of reporting that and causing them legal and financial trouble, we simple want our business with Bridgecrest to be complete. We would like to go get our personal belongings from the vehicle and then would like something in writing from bridgecrest stating that the entire account will be removed from my credit report and the deficiency balance waived. We are prepared to take this to our trustee and as far as we can because what Bridgecrest did was wrong and they know it.

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 2023-05-29
Company: Experian Information Solutions Inc.
State: KY
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX : {$2900.00}

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 2019-09-27
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
on XX/XX/XXXX certified letter XXXX XXXX XXXX XXXX XXXX was mailed to XXXX on the address listed on the credit report. They were required by federal law to place a notice of dispute on my account within 30 days of my dispute, which was signed for on XX/XX/XXXX. They have violated the Fair Credit Reporting act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practice Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
There was an " automatic '' payment taken from my bank account. The credit card did not have a balance. I did not make the balance or sign up for automatic payments.I called JCPenny and they stated that i had signed up, which i never did. I asked them to look at the history, no purchases were made. Auto payment was cancelled a year ago when the credit card was paid off.

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 monetary relief
Consumer complaint received 2017-12-13
Company: Experian Information Solutions Inc.
State: NJ
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:
This account is not being reported on my Experian & XXXX credit reports and it 's affecting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX SYNCHRONY BANK CITGO XX/XX/XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX The above accounts were from id theft. I have sent the companies all of the verifying information the police report, the id theft affidavit, my verifying information. these companies have re-reported this information after they recieved the the police report and all other information, and spoke with them on the phone multiple times.

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 2020-09-21
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:
Hello. I disputed with XXXX XXXX at the end of XXXX about a false bankruptcy on my credit. They have since had it deleted. They have sent manual disputes and I disputed with the credit bureau as well. They keep coming back as verified when XXXX XXXX has clearly removed it from the report. They are refusing to delete this incorrect information even though I have provided valid proof. Also the addresses listed on the furnisher does not give out this information to credit bureau nor do I even live in any of those locations to have filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: B&B Funding, LLC
State: AL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My current mortgage company XXXX XXXX  company sold a ten10 year old debt which was a second mortgage I stopped paying in XXXX. The debt was transfered to First American National LLC. To me they pass themselves off as a mortgage servicing company, but they are really a collection agency. They are currently in the process of foreclosing on the house we live in. My first mortgage is current. I contacted my mortgage company concerning First American National LLC about the foreclosure, but the people I talked to on the phone could not pull up any information with the account number that I was giving them. I don't know the process of course and I am concerned. 
There's more concerning the mortgage, my first and secon. In XXXX of XXXX my wife and I went to the table to to purchase the home we currently live in. Five months later I a new first and second mortgage was taken out for even higher amounts in our names with our signatures that we did not sign for. What I realize is that we have been paying on this mortgage for years that we did not sign for. My question is, how was the original mortgage that me and my wife signed for be paid off with in five months for and even higher amount? I need answers to these questions because I have'nt been able to get legal help over these many years concerning this matter. Now I'm faced with First American National LLC trying to foreclose on a debt that in reality me and my wife never signed up for. I just can't understand how a collection agency can pass themslves off as a loan servicer and XXXX XXXX  my current mortgage company say it in a letter stating that they are. IS THIS TRUE?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Citibank and XXXX ( the loan servicer ) overcharged for amounts that were not disclosed on the closing documents and refuses to refund. 

I closed a no-cashout refinance on XX/XX/2019. Citibank required cash to close for the impound accounts ( this was disclosed ). In addition, they " streamlined '' the impound account balance from the previous loan into the new loan which was NOT disclosed. This resulted in double charging me for the impound accounts ( approx. {$3800.00} overcharged ) and was not disclosed on the closing documents. 

I have contacted Citi and XXXX 10-20 times over the past 3 months for a refund, and they refuse to send the money.

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 monetary relief
Consumer complaint received 2022-08-11
Company: Chime Financial Inc
State: ND
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX - sent {$200.00} ACH from XXXX to Chime but used the wrong account number XXXX XXXX - Both companies sending me back and forth to eachother not willing to help me. XXXX is at least trying to help me. XXXX needs a trace ID ( or has it now and needs chime to reverse it or find out what happened ) to find the ACH and dispute, Chime unwilling to help at all and is breaking financial regulations and is completely unprofessional. They have insurance for this stuff clearly and don't even want to help their customers. My money is in someone elses account and somehow went through. Either they resolve this soon or I contact a lawyer and go for my money and also my time spent dealing with this garbage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I've disputed account on multiple occasions. Amount is not correct. Account was charged off and closed. I did not sign a contract with Calvary Portfolio. I do not owe Calvary. I did not take out anything with Calvary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-19
Company: Experian Information Solutions Inc.
State: VA
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 asked for debt validation on my credit report from Experian. I have requested this many times over the last 5 months and every time it comes back with " verified '' however Experian never sends me proof of this verified account. I would like this account verified or removed from my report, I would like them to send the proof that they legally have to showing HOW they verified this account, something showing where I have a contract with this debt and a signature or something showing it belonging to me. The account in question on my report is XXXX XXXX. I have sent certified letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all requesting that I have proof of this debt and every time without proof they have verified it.

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 2023-03-20
Company: Opportunity Financial, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
This bank is charging 159.56 % interest. The math on the site is not correct. They are ripping off people with there funny math. You can not see the funny math they are doing on the attached form but in the dashboard the math is all incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions 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:
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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and 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 2019-03-30
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I have been trying to dispute an item on my credit. I have logged in 5 times but every time I try it acts as if it did not receive my information but I have done it 5 times and filled every box in. When I push file dispute it reroutes me back to this same page but makes it blank again. I feel as though they don't actually dispute items its a scam or something, for me to put all my personal information in and then come back to the site different times different days, something doesn't make sense. Now im scared for my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: Bread Financial Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Your response to my inquiry further demonstrates the incompetencies of your company. There was an investigation done over a year ago and your company has failed to provide me with the details of how the determination was made. I requested a re investigation this year and again, your company has failed to provide me with how this claim was processed. This is my last and final attempt to resolve this manner prior to litigation. Your company has failed to properly investigate the fraud claim which is quite evident from your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: MD
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:
This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 2023-05-29
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 2020-09-21
Company: ENCORE CAPITAL GROUP INC.
State: NJ
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 paid my collection with Midland Funding long ago and they still have not removed this XXXX XXXX account. This is not the first problem I have with them, last time they tried to charge me again after paying them!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
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: Their investigation did not fix an error on your report

Complaint:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 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