BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-28
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 have noticed there is an account for XXXX XXXX reporting on my credit profile that does not belong to me, I have sent dispute after dispute to both the creditor, and the credit bureaus ( Equifax Information Services ) and still nothing has been resolved, I recently sent a dispute to the bureau and the agency on XXXX XXXX and again on XXXX XXXX. I have sent numerous request to both the bureau and the creditor asking they provide me with court worthy documents this account belongs to me and I have not yet received those documents, the credit reporting agency ( Equifax Information Services ) has responded to each dispute the account has been " verified '' again no court worthy documents have been sent. This is negatively affecting my credit worthiness and I wish to have this remove from my credit profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: CarMax, Inc.
State: SC
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:
XXXX XXXX XXXX I had XXXX last year and I was out of work I called the customer service dept to see about the late payments reporting on my credit report from XX/XX/XXXX-XX/XX/XXXX. I spoke with someone and they stated that if I can pay the balance and keep up with current payments they will remove late payment from credit bureaus. Ive been fighting with this for months now. Same situation with Carmax Auto and they are showing late payments from XXXX, XXXX, XX/XX/XXXX. I already submitted letters to show that those late payments was undated and needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Beginning XX/XX/XXXX public record date collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain at minimum identifying information to be collected at more frequent intervals as follows .... Minimum reporting of :1 ) Name, 2 ) Address, and 3 ) SSN and minimum frequency of courthouse visits to obtain newly filed and updated. There is no way this inaccurate information could have been accurately verified because I spoke with representative from the alleged verifier ( XXXX XXXX ) and they have confirmed that it was not there on their report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
second time disputing this account this month because XXXX clearly doesn't know the law, this account is not even close to being accurate to the original creditors. debt collector account say I owe {$200.00} and the original creditor say I owe {$550.00} this my dozen time disputing this account, XXXX  & XXXX  BOTH REMOVED THIS ACCOUNT BECAUSE THEY SEE IT HAS A HUGE VIOLATION. Please view the highlighted areas Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/16 I traded in my XXXX XXXXr to XXXX  of XXXX XXXX for a brand new XXXX  They couldn't obtrain financing and pay off my trade till XXXX. They didn't notify me and I repeatedly contacted because I was also unable to obtain a legal plate within 30 days and could n't drive the financed car.

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 2017-07-02
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: Account information incorrect

Complaint:
I have disputed this account several time the same account is reported   XXXX   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 2022-09-23
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2022, consumer applied for an extension of credit via a credit application to acquire property for personal, family, and household use. Consumer completed this application with CARDINAL FINANCIAL COMPANY. On XX/XX/2022, CARDINAL denied consumer 's application for an extension of credit. The ECOA makes it clear that no creditor shall discriminate against any applicant with respect to any aspect of a credit transaction because the applicant has in good faith exercised any right under the CCPA. CARDINAL failed to send an adverse action letter to consumer within 30 days of receiving a completed application. On XX/XX/2022 Consumer sent CARDINAL a correspondence to remedy the discrimination and violation, but CARDINAL failed to accept my offer or counter my offer. In my correspondence, CARDINAL declined to compensate me for the discrimination and also failed to address the approval for the extension of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 2023-12-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute to your company after i found several inconsistencies and errors. The responsibility of the credit bureaus remains to verify information before posting. if inaccurate information is found it must be deleted immediately according to the FCRA. 
I did not request these accounts to be updated, I requested for them to be verified or deleted. this is my final attempt to resolve before contacting attorneys.

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 2023-12-13
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hello to who it may concern ; Hi well i was looking at my credit report and i find out incorrect information of me and the only information you should have on my credit report should be the following only. 

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX : XX/XX/1986 Any other information thats not accurate to what i just told you in this letter i want it removed as soon as possible and i mean it as soon as possible please and thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
At the end of XX/XX/2023 there was a promotion between XXXX rewards and XXXX XXXX  XXXX to reach XXXX  status with XXXX XXXX. I signed up and linked my XXXX account with my XXXX account during the sign up period before XX/XX/XXXX. 

I received confirmation from XXXX that I was enrolled in the promotion and it would start on XX/XX/2023 to stay XXXX XXXX  with XXXX to reach this XXXX  status before XX/XX/XXXX. 

I met the XXXX night requirement by the end of XX/XX/2023. On XX/XX/2023 i reached out to XXXX to see when my Globalist status would be available. 

I was giving a case # XXXX by XXXX as they would look into the problem. They told me XXXX will send XXXX the information that I was enrolled in the promotion so they could update my status. 

I would email XXXX and XXXX where each one was blaming the other for the problem not being resolved. XXXX would tell me I was enrolled in the promotion and it is up to XXXX to give me the XXXX  status. XXXX would tell me I was not enrolled in the promotion and would need to contact XXXX. 

This has been going on for 2 months with no resolution except XXXX telling me I was not enrolled in the program during the promotional period. Therefore, I would not be upgraded to the XXXX  status.

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 2023-01-17
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:
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 FDCPA 80 . False misleading information FDCPA 8012 furnishing deceptive forms must correct late payments under CARES Forbes act. 
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 2023-08-12
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting Act XXXX  : accounts,XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy / 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-01-18
Company: Experian Information Solutions Inc.
State: MS
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A : States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

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 2023-12-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2022-09-12
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance with Amerisave on XX/XX/22. I talked to XXXX XXXX and told I'd like to get a HELOC loan so I could do some work on my house. He was pushing a refinance with a XXXX loan lowering my % rate from 7.75 % to 5.25 %. I wanted {$25000.00}. loan. In the process he wanted me to bump my home insurance to {$70000.00}. which would cost me another {$650.00}. to get it to that amount. Which I don't have. I got a bill from home insurance to pay {$650.00} to be paid by XX/XX/22 and he changed the lienholder to Amerisave but I haven't had an appraisal or approved for the loan! So I called insurance company and told them to put it back the way it was and remove them as lienholder. I also sent XXXX two cease and desits emails. This would have cost way more than I can afford being XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: WELLS FARGO & COMPANY
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: Their investigation did not fix an error on your report

Complaint:
The response of the company indicated that the account was closed. The account was closed the money in the account was issued back to consumer then a month later the bank decided that there is {$190.00} dollars outstanding balance. the question is when the account was closed and the check was issued to the consumer if there is an outstanding balance it would have been taken care of. and if the bank account is closed then it should have not have any activity for the account was closed by the consumer. Did the bank personal stole the money and then put it on a closed account? lets face it we know you are thieves and we know your practices. Hey logic use logic. a closed account can't have activities! closed account that issued the balance to the consumer without counting the funds claimed is bank error that the bank needs to know they are the preditoter. WELLS FARGO proved themselves to be thieves. They pay their tellers {$10.00} dollars in hour and those tellers seek public assistance and that is steeling for the bank is profitable to pay their tellers. but the executive gets paid $ XXXX plus while the tellers are getting public assistance those behavior of unethical practices have empowered the XXXX to act in such a savage way! and where we are now the time of the truth we the people are not going to allow any form of abuse to any of us! Wells FARGO we will expose your unethical behavior You stole the {$190.00} dollars because your hungry staff can't even eat! and now you are sticking it to the citizens we will not stop and I will keep posting it until the public is aware of your unethical behavior and whoever supports 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 2023-12-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
on XX/XX/2023, an unauthorized hard inquiry was made by XXXX XXXX XXXX on my Consumer credit report. I first called the contact number associated with XXXX XXXX XXXX who told me that it was not in fact them, but another company under them and gave me another contact number. When calling the second company, the phone was answered by someone who didn't and wouldn't introduce themselves properly for me to know if I was even calling the right business. Demanded to know my name and that someone would call me back. I was then called by agent XXXX who insisted that he had no control over removing the hard inquiry when in fact, Experian told me as the creditor they do have control. After, I called Experian back to dispute the fraudulent activity, I was told the inquiry would be removed within XXXX hours. Not even XXXX hours and Experian has closed the dispute without fair resolution, with the unjust inquiry remaining on my report. In addition, I did not give Experian permission to furnish this information on to my report. This is a violation of the Credit Reporting Act section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I do not know who ERC is. They have attempted to damage my reputation as a creditor and consumer by providing false and invalid information on my consumer report to coerce me into paying something they have not validated. I do not have a relationship with this company. I have sent them a cease and desist and ask them to validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
OnXX/XX/XXXX I received a call from XXXX wanting to verify that I applied for their credit card to which I stated I did NOT. When I checked my online reports, I noticed that someone tried to take out credit cards using my info with both XXXX and XXXX XXXX XXXX. I do n't know the date for XXXX but XXXX was XX/XX/XXXX. I called XXXX XXXX XXXX and told them I did NOT apply for credit ( they denied a credit card to the person who fraudulently requested it using my info ). I also called the XXXX reporting agencies and explained everything to them and told them to please remove these inquiries from my files as I did NOT request credit from any place. They said they would take care of it but it is still listed. A hard inquiry is taking my credit score down a few points. I also told the agencies that I will not be getting any new credit cards and to put a freeze on my accounts so that no one else can request credit. Please help in removing the hard inquiries off my file ; thx.

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 2023-12-13
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I opened a XXXX XXXX  credit card and then COVID hit. I had no money and was unable to make my payments due to the world wide pandemic. This account was supposed to go into a state of pause until we were able to go back to work and the world came back online. I kept in touch with them because we couldn't get unemployment and we were unable to even feed out family, let alone make the payments. 
This account was supposed to go on hold until the end of XXXX. XX/XX/XXXX, I called to start making my payments again and they told me the account had been sold to a collection agency. I didn't understand - I thought we had an agreement to not hit my credit report negatively and the account was supposed to be on hold. they couldn't give me any more information than that and I was unable to make a payment. 
I later found out that they transferred to XXXX XXXX XXXX with a TON of fees that were not supposed to be there. I never got a bill. I thought we had an agreed arrangement. I had never had a late with them and I did my due diligence to call and put the account on hold until COVID was over. I understand that I owe some money to finish my loan with them, but it is not what is reporting at {$2000.00}. I believe I owe closer to XXXX XXXXXXXX {$1000.00} but nobody can tell me anything. 
I am not saying that I wont pay this but this is not my fault and I cant be blamed for w pandemic that ruined my income and be penalized this way. I would like records of what was done and I would like to only pay what I owed initially as this is what is fair.

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