BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-23
Company: Experian Information Solutions Inc.
State: NC
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:
Please reverse the late payments reported on the following accounts : XXXX/XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2020-10-13
Company: SYNCHRONY FINANCIAL
State: SD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was not notified that my account was being closed by XXXX XXXX. I was only notified that there hsn credit card accounts were being transferred to synchrony.. After the transfer, the balance almost doubled and I never received a new card as the letter notify of transfer I dictated. I didn't find out the account had been closed until several months after it was transferred. Even though the balance owed is incorrect, I have tried sending payments and they have either been returned because they claim they don't have an account or someone has cashed the money orders ( which I am in the process of reporting as stolen ) and other credited the make believe account with the wrong balance that I'm starting to believe is probably not my account and could be something they made up or belongs to someone else.

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 2021-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Company is fraudulently reporting a debt that dose not belong to me. This company is in numerous of violations of my consumer rights. I've attached my affidavit below in this complaint listing all violations

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: AMERICAN HONDA FINANCE CORP
State: CA
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:
This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: EQUIFAX, INC.
State: AZ
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:
My name is XXXX XXXX and I have reviewed my credit report and there are some fraudulent accounts appearing on my credit report. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: U.S. BANCORP
State: CA
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:
This debt has been re-aged, which is a serious offense under FCRA 623. The original date of delinquency was in XXXX. However, not only is the original date of delinquency in a XX/XX/XXXX credit report showing a delinquency date of XX/XX/XXXX, the original date of delinquency was re-aged and updated to reflect XX/XX/XXXX. This has caused a serious strain on my credit, and all past disputes regarding this serious matter have not been taken seriously. I am one step away from now filing legal action for this offense unless this is immediately resolved. I am requesting that this entire tradeline be deleted from my XXXX credit report as it was illegally re-aged, thus holding down my XXXX score and incorrectly reflecting my creditworthiness and therefore hampering my efforts to receive 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 2021-02-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I reported to experian that my identity is being used to submit inquires for credit lines, loans and unsecured credit lines, this is continuously happening and affecting my credit. I have filed an official report with the Federal Trade Commission 's fraud department my claim number is XXXX. I would like all the 70+ inquires in the past two years to be removed 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 explanation
Consumer complaint received 2021-07-07
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have multiple credit cards via comenity bank. Today specifically I had issues with XXXX  and Victorias Secret. I knew my payment was due today, XX/XX/XXXX. Im out of town and forgot my date book but knew the payment was due by XXXX. I had someone get my password and logged in at XXXX to make the payments. I was unable to pay today. The only payment option was tomorrow-which is late. I get electronic statements and dont recall being informed of this time change. The reason I was aware of XXXX is because I logged in to make a payment before and was considered late even though I was paying on the due date. That time I sucked it up but this is ridiculous. My car loan, mortgage, major credit cards dont engage in this ridiculous practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-07
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 chime bank suddenly Closed both my checking and savings accounts. The checking with over XXXX and the savings with over XXXX. I was asked for documents proving my address, the funds deposited and even tax information which i promptly sent on XX/XX/XXXX and for almost 3 weeks everyday i sent it again and again and asked for updates. I continue to only get automated email responses and no one who answers will give me answers and i have gotten any refund check. In fact they sent an email saying they have closed my account and its no explanation and i have not gotten my funds back. I am a single mom. I can not pay my rent or buy my childs medicine which i have also explained.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Experian Information Solutions Inc.
State: WA
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:
On XX/XX/XXXX I sent a dispute Certified Mail # XXXX to Experian wherein I disputed XXXX Account # XXXX date of last activity, DOFD, Payment History On XX/XX/XXXX Experian received my dispute as recorded on the return receipt. 
On XX/XX/XXXX Experian sent correspondence stating the account in question WAS PREVIOUSLY INVESTIGATED. 
On XX/XX/XXXX, I proceeded to access my consumer report via Experians website and make copies of the information pertaining to XXXX Account # XXXX 15 U.S.C. 1681i ( a ) ( 1 ) ( a ) requires that each time a consumer reporting agency receives a dispute, it shall reinvestigate free of charge, record the current status of the disputed information or delete the item from the file within 30 days, beginning on the date the dispute was received unless the account is determined to be frivolous or irrelevant. While the correspondence that was sent by Experian on XX/XX/XXXX indicates the account was previously investigated, it does NOT however state whether the dispute was determined to be frivolous or irrelevant. 
It has been 70 days since Experian received my dispute and I have not received any other notices that my dispute was determined as being frivolous or irrelevant and yet the item still remains on my file with a last investigation date of XX/XX/XXXX. Based on the previous information, I am hereby demanding deletion of XX/XX/XXXX from my Experian file pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( a ). I will NOT accept another reinvestigation of the account ONLY deletion. 
Experian has 10 days from the tracked receipt of this letter to cure or else I will be forced to immediately proceed with litigation to recover damages caused by Experians willful and negligent noncompliance of the Fair Credit Reporting Act. If the account in question is removed from my files within the 10-day timeframe as previously stated, I will consider the matter to be closed and no further action will be taken. 

I look forward to an amicable solution to this matter.

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 2021-06-23
Company: EQUIFAX, INC.
State: TN
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:
Identity theft has happened to me. These charges mentioned in the Identity theft report were not supposed to be in my report. I did not make them. Under 15 USC 1681c-2, I meet all of the conditions for blocking and removing information from my consumer report. I reserve the right to file a lawsuits against you for violation my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: EQUIFAX, INC.
State: NM
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, Equifax and XXXX  are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I submitted a previous complaint about Wells Fargo and the processes they went through with my loan as well as the XXXX XXXX dealership, the incorrect information was placed on my initial application. Instead of correcting the information with Wells Fargo the dealership opened a completely different loan on XX/XX/XXXX XXXX weeks after the initial loan was set up. Wells Fargo checked my credit for a second time after I reached out to them and explained the situation they advised it would be corrected, they did not correct the credit check situation for me as of todays date. I have reached out to them multiple times they have still not corrected the situation. Wells Fargo also returned a check I sent to them to refinance the car on XX/XX/XXXX is when they receive and cash it, after telling me they would just place the check on the correct loan and that there was nothing for me to worry about, taking possession of the loan back even though they were no longer the lien holders on XX/XX/XXXX. Wells Fargo reached out to me to request information to speak to my credit union in regards to the mistake asking them to correct it and redo the loan. I spoke with my bank and authorized them to reopen a loan for them again paying the same amount that we initially paid {$19000.00} because that was all that was owed to Wells Fargo. Wells Fargo told my credit union the pay off was in the amount of {$19000.00} charging me almost {$200.00} additional charges in interest when I had already paid and accumulated interest with my credit union. The higher amount also caused my monthly payments to increase luckily I have a good enough relationship with my credit union that they did not check my credit union especially with this being the 3rd time they had to rewrite this loan. I reached out to Wells Fargo in regards to this matter again on XX/XX/XXXX and they advised someone in the escalation department would be getting in touch with me no one has gotten in touch with me in regards to this matter as of todays date. My credit has continued to go down because of not only the credit checks but also the opening and closing of all these accounts and no matter how many times I reach all they ever say is its taken care of or someone will get back to you. I have been dealing with this situation for almost 3 months and it is still not resolved. This is my second complaint I have had to file the first one I did was before the payment of the loan issue. I talked to other past clients of wells fargo and they told me they had also had issues with Wells Fargo when it comes to loans.

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 2019-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 applied for credit with XXXX XXXX on XX/XX/XXXX, I was denied, which was fine. I later saw on all 3 of my credit reports that my credit was checked by XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was told by an account supervisor at XXXX XXXX that they seem to be duplicates and I should call all 3 credit bureaus and have them remove it over the phone. They all will not remove these inquiries that I did not make, I only made the XX/XX/XXXX inquiry. I keep getting the run around from all 3 bureaus saying they can't remove them and to contact the creditor. When I contact XXXX XXXX, they say the credit bureaus have to remove them since they were duplicates not made by me. This is causing me a lot of distress and hurting my credit 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 explanation
Consumer complaint received 2018-11-14
Company: Experian Information Solutions Inc.
State: IL
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 submitted a valid police report to Experian, and XXXX since XXXX of 2018. Experian and XXXX  advised me my police report was not valid, that is not true. My report is a valid police report, from the XXXX Police Department, and this report can be verified. I live in a local town, I went back to the police department and was advised no one contacted the police department to verify if this report was valid or not. However, it is a valid report. 

My life has been a complete nightmare, for I have been denied credit, turned down employment, and unable to provide adequate shelter for me and my XXXX sons.

I am a victim of identity theft, from a data breach, enclosed is a copy of the Class Action Settlement that I am a valid member and have been provided free credit  monitoring services. 

There are several fraudulent accounts that has reported on my credit bureau I have fought with these credit agencies for over four months to remove this information. I have provided the credit agencies letters, from the many companies advising me that I am not liable for the accounts and they would remove it. But for some reason these credit bureaus refuse to 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 non-monetary relief
Consumer complaint received 2018-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity was stolen in 2012. One of the address 's is listed as mine on the credit report along with three phone numbers and a spelling of my name that I don't recognize. I would like the address, name, and phone numbers removed from the report. Criminal charges where filed they where found to be guilty and are serving out sentence.

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 2018-06-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Previous Complaint # XXXX was responded by Portfolio Recovery to CFPB on XX/XX/XXXX TODAY I RECEIVED ANOTHER COLLECTION FROM THEM THESE CRIMINAL SOBS. JAIL THEM ALL. I DEMANADED A CEASE AND DESIST OF ALL COMMUNICATIONS, HERE WAS THEIR LYING CRIMINAL JAIL THEM RESPONSE : XXXX STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response In response to your complaint, XXXX XXXX XXXX, XXXX  ( " PRA '' ) verified the PRA account ending in XXXX. PRA received and honored your request to cease all calls and other collection communications regarding the PRA account ending in XXXX. We believe that no further steps in response to your complaint or follow-up actions are required at this time. PRA purchased the XXXX , XXXX . ( " XXXX '' ) XXXX account ending in XXXX together with the right to receive payment of the balance due on the account on or about XX/XX/XXXX. Business records provided to PRA by XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, by XXXX XXXX XXXX whose social security number ends in XXXX and that a balance of {$840.00} was due on the account at the time of PRA 's purchase. PRA sent its initial notification letter to you on or about XX/XX/XXXX. XXXX has no record of a response or a dispute being received in relation to its initial notification letter. Prior to receipt of this complaint, PRA had no record of receiving a written request to cease communications with you regarding the PRA account ending in XXXX. PRA has honored your request to cease all calls and other collection communications regarding this account. In response to your complaint, PRA has sent a letter on or about XX/XX/XXXX, containing validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: Experian Information Solutions Inc.
State: NY
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 had 2 accounts with XXXX which reported as closed by consumer suddenly Experian changed it to close by the grantor. When you look on the same day Experian report from yesterday one shows closed by grantor while the other does not show that statement. ABSURD!

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 2020-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX {$220.00} XXXX/XXXX XXXX {$3700.00} XXXX XXXX XXXX {$32000.00} XXXX XXXX {$2300.00} XXXX   XXXX {$1200.00} XXXX XXXX XXXX XXXX {$910.00}

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 2020-06-30
Company: Exeter Finance Corp.
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: Account status incorrect

Complaint:
My car was stolen in XXXX of XXXX and was deemed total lost by XXXX who then paid off majority of the balanced owed on the account my Gap insurance company then reached out to Exeter on multiple occasions requesting them to send the documents needed ( payment history, contract ) in order for them to send the final payment to pay off the loan. Exeter employees repeatedly failed to send the information requested resulting in an extension of the account not being paid off. Exeter has since marked 1 late payment on my report for the month of XX/XX/XXXX. Upon finding this out I disputed the late payment directly through the credit bureau XX/XX/XXXX and they then came back and mark TWO late payments on for XXXX and XX/XX/XXXX. As of XX/XX/XXXX XXXX sent Exeter {$13000.00} which would have covered any pass due balances. Had Exeter employees sent my gap insurance company the information they requested on XX/XX/XXXX this account would have too been fufilled in FULL. Due to the negligence of Exeter 's employees I am being held at fault when I was promised no late payments would be reported to my account. I hav esince called Exeter multiple time requesting they do the right thing and update the account in which they fail to do so. The late payments for XXXX and XX/XX/XXXX need to be removed as the account was satisfied in full and there would have been no late payments had Exeter done there job.

Company response to consumer: Closed with explanation