BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: OK
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:
My Experian score for auto loans is below 500 and there is no reason for it to be so low since 2013 I've had 4 auto loans that were financed over XXXX and all 4 have been paid in full as agreed with only one late payment ... no repossessions or defaults... so I'm having a hard time figuring out why when a finance company checks my Experian report that there seeing that I'm a risky barrower ... i have attached all the auto loans in my file... you can clearly see that i have a perfect barrowing record with auto loans thank you for any help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
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:
XXXX XXXX is reporting on my credit in which I never had an account my identity was stolen and this account don't belong to me I'm requesting to have this item removed, also the XXXX XXXX account was deleted and removed from my credit report due to fraud and now it's reporting back on my Equifax please remove those fraudulent accounts from my credit report I also sent both companies a copy of my police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-28
Company: WELLS FARGO & COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was sent three legitimate XXXX transfers for rent/bills to my Wells Fargo checking account on XX/XX/XXXX for {$200.00}, on XX/XX/XXXX for {$15.00}, and on XX/XX/XXXX for {$310.00} by my ex-boyfriend. On XX/XX/XXXX I found myself locked out of my Wells Fargo App and the Wells Fargo Website. Upon contacting them, customer service vaguely transferred me to their Fraud department where I was asked if I could account for the reason for the three transfers. I stated they were probably from my ex-boyfriend, as I could not access my accounts at that time to look at the said transfers she rattled off since I was still locked out of account access, to pay bills such as rent. She asked what his name might be and I confirmed. She then proceeded to tell me that my extra-boyfriend has claimed that these legitimate XXXX transfers made two and three months prior were reported as fraudulent by my ex boyfriend to his bank, XXXX XXXX. I said that they were clearly legitimate, looking at prior history of him sending me money, would demonstrate that. She took me that it would be investigated by Wells Fargo and they would go back and forth with XXXX  XXXX regarding the matter, making it seem that my bank would protect Me from a man who had already tried to steal {$200.00} from my Wells Fargo Checking account just two weeks earlier, causing me to open a new checking account to try to ensure my funds would be safe. The next day, XX/XX/XXXX, I would up to see that {$520.00} was missing from my Wells Fargo Checking account. They revised the XXXX transfers and released the funds back to XXXX XXXX to give back to my ex boyfriend. He is running a scam and Wells Fargo assisted him in doing so. I have plenty of evidence which demonstrates that the mere act of reporting these legitimate XXXX transfers as fraud two and three months after the fact is indeed an act of fraud committed against me and Wells Fargo is refusing to return my {$520.00} they took from me. I am looking to get help. This isnt right and one of their condescending managers essentially hung the phone up on me the other day.

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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
I noticed in XX/XX/2023 that there was an insurance account and a mobile account in collections on my credit report that have impacted my score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX Account # XXXX Account Name : XXXXXXXX XXXX  Account # XXXX, Account Name : XXXXXXXX XXXX Account # XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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 Reporting Act, this creditor Experian, and XXXX has violated my rights Under 15 UCC 1681 section 602 states that I have the right to privacy. 15 USC 1681-section 604a- section 2 states that a consumer reporting agency can not furnish an account without my written instructions. under 15 USC-1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2017-07-05
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, I checked my 3 credit reports and saw a bad remark that is on my report and is NOT mine. It says {$1100.00} XXXX XXXX XXXX. XXXX XXXX. Never had I ever signed up for XXXX XXXX  and I have 0 negative remarks on my credit. So far this has showed up on my XXXX and experian report and I demand they remove it. This is damaging my credit report! This just showed on my report this month and I have NO idea why this is on my credit reports.

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 2022-09-13
Company: Experian Information Solutions Inc.
State: MI
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 disputed a collection account on my credit report, the credit bureau verified and updated the account. Which brings me to ask, How did the credit bureaus verify my collection account as 100 % Accurate? They never did a fair investigation according to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2022-04-21
Company: ENOVA INTERNATIONAL, 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:
This loan/ credit card was taken out due to identity theft. It does not belong to me, I have never applied for or received a loan/credit card from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: Uber Technologies Inc.
State: MO
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:
XX/XX/19 - I made an online purchase to place credit on an Uber card for {$48.00} XX/XX/19 - Additional charges started appearing on my charge card ( {$48.00} + {$24.00} + {$24.00} + {$24.00} = {$77.00} ) XX/XX/19 - I attempted contact Uber. Received a recording that saidn I needed to go to their online service ( XXXX ). I sent an e-mail ( XX/XX/19 @ XXXX XXXX ) requesting assistance to resolve the above matter. 
XX/XX/19 - Additional charges started appearing on my charge card ( {$24.00} + {$24.00} = {$49.00} ). I called my bank, had my charge card cancelled and requested they investigate the fraudulent charges. 
XX/XX/19 - no response from Uber. No phone numbers to contact them. Totally unacceptable for a business in the US to have no means of contact with the public to resolve such matters. No excuse for them not to return a requested call for this type of problem -- it's as if they don't care about the {$120.00} fradulently charged to my credit card.

Company response to consumer: Untimely response
Consumer complaint received 2022-12-09
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022, I received an email from CITI that " Your Citi account ( XXXX ) will automatically close within 60 days ''. It writes " We periodically review customer accounts and assess account activity. Based on a recent review of your Citi ( R ) Accelerate Savings account, we found that you have violated the terms of your account per the client manual. '' I contacted them on XX/XX/2022, regarding this issue, but they didn't tell me which term I violated. And I was told to wait 30-60 days to get my money back and if I hope to get my money back earlier, I need to visit a local branch. But the closest CITI branch is over XXXX miles away. It is almost impossible. I save more than {$140000.00} in the CITI account and I urgently need my money. There is no way to get my money back earlier!! 

I have two complaints. First, please provide the exact term that I violate. Second, I have the right to take my money back as soon as possible.

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 2022-09-13
Company: FIRST NATIONAL BANK OF OMAHA
State: NV
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 not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, FNB OMAHA XXXX XXXX Opened XX/XX/2017 Balance {$3500.00}

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 2022-08-08
Company: EQUIFAX, 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'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: MO
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 am writing to formally complain about the numerous unsuccessful attempts to remove charge-off accounts from my credit file. Despite multiple efforts to rectify this matter, the unresolved charge-off entries continue to negatively impact my credit report, hindering my ability to obtain credit and financial opportunities. 

I have made persistent efforts to address and rectify these issues by submitting disputes, providing supporting documentation, and communicating with your representatives. Unfortunately, these attempts have not resulted in the removal or correction of the charge-off accounts, and they persist on my credit report. 

The prolonged presence of these charge-offs has had a detrimental impact on my creditworthiness, making it challenging to secure favorable interest rates, obtain credit, and negatively influencing my overall financial standing. 

I request a thorough and immediate investigation into the matter to rectify the inaccuracies on my credit report. I expect a detailed response within the exact timeframe acknowledging the receipt of this complaint and outlining the steps that will be taken to address and correct the charge-off accounts. 

If the necessary actions are not taken promptly, I may be forced to escalate my complaint to regulatory authorities and seek legal counsel to protect my rights. I am asking for your assistance to remove these charge off accounts in my credit file : XXXX XXXX Balance : {$8700.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX XXXX Balance : {$250.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove 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 2023-02-27
Company: Experian Information Solutions Inc.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2019-04-24
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
caliber home loans XXXX - Loan was originated as an FHA and on XX/XX/XXXX, as of XX/XX/XXXX I had paid the balance down to less than the 78 % as required by the FHA to remove PMI. I sent a letter ( enclosed ) to Caliber to have the PMI removed and they send back that is was. My payment went down the {$320.00} as you can see from the screen shots. On XX/XX/XXXX an additional {$940.00} was taken out as an FHA payment and even though I have been promised several times that either documentation of some kind will be send to me explaining why this was taken out or that the funds would be refunded nothing has happened. I have been promised several call backs from " senior associates '' that could explain what had happened but have yet to hear back. 

What makes this even worse is now the loan is being sold to XXXX XXXX services as of XX/XX/XXXX, and my concern is that they did this to keep from having to explain or deal with me on the missing ~ {$950.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 disputed a collections account from XXXX XXXX with Transunion on XXXX XXXX 2017 because I have never received any correspondence from this company, the account just appeared on my credit report. The dispute still shows open as of today. 3 weeks ago the account was deleted from my credit report only to be added again 1 week later. I have still not received anything in writing from this creditor.

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: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Please remove fraud alert from all XXXX credit bureaus ( XXXX, Experian, & XXXX ) account in order to obtain funding for homebuying shopping.

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: IL
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:
Experian, XXXX, and XXXX continue to report inaccurate information on the account known has XXXX  XXXX XXXX. The account is charged off which means it is now a cancelled debt which per the IRS is considered a certificate if indebtedness which income can not be reported. 

The reporting agencies are reporting several inaccuracies. 

Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX High Credit : {$520.00} {$0.00} {$350.00} Credit Limit : {$350.00} {$350.00} {$0.00} Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Purchased by another lender Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. 
Sold to : XXXX XXXX XXXX Account transferred or sold Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Experian and XXXX are reporting late payments from XXXX XXXX XX/XX/XXXX and Experian reports a late payment for XX/XX/XXXX. 

Experian is reporting a collection for XX/XX/XXXX XXXX is not reporting late payments are collection. 

None of this account information matches therefore this account has not been properly reported or verified.

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