BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-19
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: Information belongs to someone else

Complaint:
A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly remove the following items ASAP. Thank you. 
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 non-monetary relief
Consumer complaint received 2019-06-09
Company: WELLS FARGO & COMPANY
State: GA
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:
Date : XX/XX/2019 XXXX XXXX XXXX XXXX XXXX , XXXX Ga, XXXX Account number ending in XXXX Wells Fargo Claims Assistance Center Credit card Fraud Claims XXXX XXXX  XXXX XXXX, NC XXXX I am writing to dispute a fraudulent charge on my account in the amount of around {$1900.00} or so, from XXXX XXXX. I am a victim of identity theft, and did not make this charge/ I am requesting that the charges be removed, and that any finance and other charges related to the fraudulent amount be credit back to my account, as well, and that I receive an accurate statement. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
10 years ago, I had credit card debt amount of {$13000.00}. In order to pay for this loan I started my own business having mutual agreement with the partner business giving me the inventory with 0 % down and paying for the inventory as the item sells. However all of sudden the partner business demanded money for all the inventory within my business. So I had to give up all of the inventory to the partner business and close the business within 4 month. However the partner business demanded about {$12000.00} more even though I returned all the items back. I tried to renegotiate the terms with my previous partner and my credit card issuer, since it was very unfair for small business owner like myself, but they were going to file a lawsuit on me and I could n't afford a legal action so I backed out. With this I started working full time as a taxi driver in order to pay for {$12000.00} to my previous partner business and {$14000.00} ( due to interest ), however the credit card interest were too high I was n't able to pay for both debt and I had to file bankruptcy.

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 2017-12-16
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mother XXXX XXXX in XX/XX/XXXX, prior to that she was ill from one of those new pharmaceuticals. I did not have power of attorney to pay the mortgage, so it got behind. When I tried to make payments after she XXXX, they still had the mortgage in her name and SOCIAL SECURITY NUMBER, so I coul n't access the account to try and make payments. The company then foreclosed on XX/XX/XXXX. We have been issued an eviction notice, but we 're unsure of when that will be carried out. I have contacted legal aid to get a temporary restraining order on the eviction. The collection agency has been unwilling to help, and I have tried to refinance his loan through HARP. That is along process, though.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
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: Was not notified of investigation status or results

Complaint:
I sent CERTIFIED letters out over 60 days ago and have yet to receive a notification. As a consumer I feel like these people dont care and are taking advantage of me. Also, THIS IS ME THIS IS ME THIS IS ME!! DO NOT SEND ME A VAGUE STANDARD RESPONSE!!!

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 2020-09-17
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contacted equifax, and XXXX regarding fraudulent inquiries on my credit report I sent equifax and XXXX copies of my identity theft report But still the fraudulent information remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ
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:
Please INDICATE THIS NOT A DUPLICATE! I filled this complaint because my previous compliant was not properly handled, I sent a 30 day non response letter to you and the original creditors and haven't received a response well over 30 day I DEMAND YOU REMOVE THE ACCOUNT FROM MY REPORT OR I WILL BE PRESSING CHARGES!

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 2023-09-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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:
All inquiries are fraudulent as Ive not apply for anything in the past 3-4 years so all recent inquiries from any company is fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And more

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 2023-07-19
Company: Experian Information Solutions Inc.
State: PA
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-09-07
Company: Netspend Corporation
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
XX/XX/2023 {$21.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX my card was deactivated and not usable. I didn't go to XXXX. The paperwork shows obvious fraudulent activity yet NetSpend refuses to give me a refund. Also I have been blocked from XXXX XXXX for staging and I only made a deposit on or around the XXXX to XXXX so I could send money to my son XXXX. We've never had any royalties or other information to access whatever they're accusing me of. I've been denied refund for purchases on XXXX  that I didn't make. I spent {$5.00} for a new card and then I was blocked. Someone is always changing my information to my debit/credit cards. Email and phone numbers change so I can not access. My address gets changed without my permission. XXXX XXXX XXXX XXXX has never sent me a bill. My information changes without my permission. XXXX charged it for {$20.00} without me presenting the card once and both {$10.00} transactions I didn't get a product. I'm being targeted by everyone and no one has given me a reason. I'm be extorted. I'm being kept from my son for four years purposely. I was denied a {$40.00} XXXX ride to the airport and I had {$89.00} available on my XXXX XXXX credit card. I missed my flight to see my son. I lost @ {$260.00} for the ticket.

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 2023-02-25
Company: ALLY FINANCIAL INC.
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XXXX XX/XX/2022 I had an automatic payment scheduled for {$320.00} to come out to pay on the loan. The auto pay was coming out of a different account than what I had planned and I canceled it and paid it manually from a different account. The auto pay showed as returned for insufficient funds but the manual payment went through. The XXXX payment should have brought the account current but next month ( XXXX ) showed that the minimum payment due was now over {$500.00}. When I called to ask why they said that I had missed multiple payments and I needed to pay this amount. I talked to multiple agents and requested an inquiry be filed. They would agree but then I would hear nothing about the results. I then began to request to speak to a supervisor and would either be put on hold then hung up on, or told they would call me back. Never happened. Now due to late fees and interest my minimum payment due is over {$1000.00}.

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 2018-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was contacted by XXXX XXXX about a debit that I have been disputing for months. The original account # XXXX, a debit that is originally dated in XX/XX/XXXX, and I have no knowledge of, so I would like XXXX XXXX to properly verify the debit with my signature or delete this incorrect debt from my credit profile.

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 2020-09-17
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Please note that these folks at CBE Group XXXX may send you letters and call stating they are collecting a debt on behalf of DOD Department of Defense and then when pressed deny this and say it for  XXXX and then want to confirm you address. Watch out for these snakes scamming our military members. They tried to get me to pay by credit card to their XXXX XXXX in XXXX XXXX. Fraud is clearly what CBE Group they are about, shameful! FYI XXXX XXXX XXXX share tips about these sad persons gaining from the uninformed. I hope the CFPB shows some teeth to take these dishonest operator out of business. Just re-state there is no debt owed ; the DOD or XXXX will handle this with no 3rd party involvement! Please show some strength here to help others avoid this snake pit of dishonesty!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: MD
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 Fair Collections & Out # 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

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 2023-06-24
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 XXXX XXXX Acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 2 A. States I have the right to privacy.

15 U.S.C 1681 Section 604A section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a account under an open end 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 2018-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have dispute the bankruptcy reporting with TransUnion several times to no avail. I did not file bankruptcy   and the reporting is not mine. I have reached out to the courts to help me to get this matter resolved. The courts stated in writing that they do not provide information to any credit reporting agencies. So, is TransUnion considered a furnisher? This is not my bankruptcy and TransUnion has failed to plea their case to who is provided them with this false information. 

Please help me to get this matter resolved.

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 2020-02-26
Company: EQUIFAX, INC.
State: AR
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 reached out about some accounts on my credit that are not mine. Please remove XXXX/XXXX   from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: Genesis FS Card Services, Inc.
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. If this type of information can not be equipped, make sure to erase the item in question immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: U.S. BANCORP
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Fell behind on payments due to wife 's family illnesses. Called bank to work to get back on track and arranged a payment schedule to catch up. Made the payments and actually paid {$5000.00} which was {$4000.00} more than I was behind. I was never told by bank representative that the card would forever be closed when sorting out a payment schedule. In fact, I believe the representative stated that once I get back on schedule and card is out of collections I should call and ask to have the APR reduced to the prior APR.

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 2020-06-03
Company: CCS Financial Services, Inc.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ACCOUNT # XXXX. Now you should be able to find the account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting inquiries as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable inquiries below : XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
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: Their investigation did not fix an error on your report

Complaint:
EXPERIAN HAS REFUSED TO DELETE A COLLECTION ON MY REPORT THATS BEEN IN THERE FILE OVER 27 YEARS. FEDERAL LAW THIS COLLECTION TO BE DELETED AFTER 10 YEARS. 

THE COLLLECTION ACCOUNT THATS BEING REPORTED IS : XXXX/XXXX ACCT # XXXX SINCE 1991

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: VW Credit
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:
Great day, I purchased a car from XXXX XXXX in XX/XX/XXXX. The car was having a safety issue that the dealership ( XXXX XXXX XXXX ) along with Audi 's support team could not fix. With help from NJs Lemon Law Team through New Jersey division of consumer affairs. A final attempt of repair was made in XX/XX/XXXX. The problem still persisted. A repurchase offer was made in XX/XX/XXXX by XXXX XXXX a Senior Specialist Customer Resolution & Retention with Volkswagen group of America ( which owns Audi ), and the closing coordinator was XXXX XXXX An agreement was made in XX/XX/XXXX, and the account was placed in a protective status through XXXX. I made a XXXX XXXX payment, but XXXX XXXX requested a check from Audi because the account was placed in a protective status. The car was returned on XX/XX/XXXX because of the defects and all monthly payments and upfront costs at the time of the sale were refunded ( except for XXXX XXXX payment ). The account was closed once paid off by the Volkswagen retention team. But it placed two monthly payments that were in a protective status as 30 days late. This information is false and doesnt follow the Fair credit reporting act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: IN
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:
I provided them the name of the account and I highlighted the incorrect information on there.

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