BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-09
Company: Experian Information Solutions Inc.
State: PR
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 fraudulent account appears on my credit that I do not recognize. The account is : 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 2022-12-29
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XX/XX/2022, I discovered that American Express had illegitimately charged a late fee of XXXX} on XX/XX/2022 - there was no notification of payment due or that a payment had not been scheduled. I promptly zeroed out the balance and spoke with American Express customer support, during which the Amex representative recognized the error of their ways and removed the late fee. Today, on XX/XX/2022, I discovered that American Express has also charged illegitimate interest, in the amount of XXXX caused by the aforementioned malfeasance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-02
Company: ALLY FINANCIAL 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:
This item is reporting late, yet it is closed and the balance is zero as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

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 2021-12-09
Company: EQUIFAX, INC.
State: PR
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 fraudulent account appears on my credit that I do not recognize. The account is : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 received an alert this morning saying that my credit was inquired. I signed in to the website to see that I had several requests on my report. I call in spoke with Rep she told me that its nothing that she could do that would come off in 2 years. I told her why do they say to call if they will not remove whats the purpose of having the app alert you if they can not help. 


the following inquiries I did not request. 
Transunion 1 ) XXXX  XXXX XX/XX/XXXX 2 ) XXXX XXXX  XX/XX/XXXX 3 ) XXXX XXXX  XX/XX/XXXX 4 ) XXXX XXXX  XX/XX/XXXX 5 ) XXXX XXXX  XX/XX/XXXX 6 ) XXXX  XX/XX/XXXX 7 ) XXXX XXXX XX/XX/XXXX 8 ) XXXX XXXX XX/XX/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 2022-01-13
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:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XX/XX/XXXX {$1100.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$440.00}, XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00}. Inquiries : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXE XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2019-03-13
Company: General Motors Financial Company, Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
To my knowledge, I was never late on my GM Financial auto lease with account number XXXX. But I realized that I was reported as being past due multiple times which is not true. I have had this lease since XX/XX/2015 with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I applied for a credit card with XXXX  and was approved. After the terms were delivered, I declined the account and DID NOT activate the card as allowed in writing under their questionable terms. They are not only reporting this as an active and open account but they are reporting an amount owed as well. I have previously disputed this item by wire and mail with the credit reporting agencies and Milestone fraudulently confirmed its accuracy by the same means. This item continues to be reported 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 2023-09-19
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: Their investigation did not fix an error on your report

Complaint:
Experian has filed to properly investigate my disputes for the following accounts that have been fraudulently opened. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX does not have any knowledge of an account under my name or my social security number as of XX/XX/2024, XXXX XXXX XXXX XXXX XXXX Ive submitted my police report, federal trade commission affidavit & multiple disputes asking for a proper investigation & the method of verification. FCRA states the burden for a proper investigation lies with Experian. This is my LAST request as I will be taking legal action after this.

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 2021-08-19
Company: Credit Plus Inc
State: NJ
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 have these items that are not mine and i want them to ber emoved from my credit report. 

XXXX  1. Identity Theft CREDIT PLUS Account Number : XX/XX/XXXX This is not mine. 

XXXX  1. Identity Theft CREDIT PLUS Account Number : XX/XX/XXXX This is not mine. 

2. Identity Theft CREDIT PLUS Account Number : XX/XX/XXXX This is not mine. 

3. Identity Theft CREDIT PLUS Account Number : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

XXXX  1. Identity Theft XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

2. Identity Theft CREDIT PLUS Account Number : XX/XX/XXXX This is not mine. 

3. Identity Theft CREDIT PLUS Account Number : XX/XX/XXXX This is not mine. 

4. Identity Theft CREDIT PLUS Account Number : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
In XXXX of 2017 I received an alert from my credit monitoring service that 27 late payments from Nelnet hit my credit report. All of those accounts now report as closed due to the fact that those accounts were consolidated. Since XXXX of 2017, I have struggled with Nelnet to correct this information because I would never have been notified of any problem with my accounts because nelnet had been sending information to the wrong email and mailing address. there was a mix up on their end. according to the rep I spoke with, the last rep I spoke with entered by personal information into their database incorrectly. Although I never received accurate reporting information regarding the accounts, Nelnet maintains that it can contact me anyway they choose. This is absolutely ludicrous considering that I have no idea who received my personal information because of their mistake. Nelnets response to this irresponsible reporting practice has been to keep these late payments on my credit reports, keeping me in financial ruin. 

account numbers as listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: KY
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX XXXX Balance : {$300.00} XXXX  XXXX  XXXX Balance : {$16000.00} XXXX  XXXX Balance : {$18000.00} XXXX  XXXX Balance : {$22000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$430.00}

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 2018-07-24
Company: EQUIFAX, 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:
On XX/XX/2018, I submitted a dispute to Equifax in regards to a collections account which is hindering me from purchasing my first home. I did not recall having an outstanding collections from a medical provider nor had I received any notices in the mail. I then sent a letter asking for Equifax to advise me of the names and addresses of the medical provider, the dates and types of services that were supposedly provided. I also asked Equifax to please provide me with the name of the person that provided the data and the manner in which the data was provided. 

After waiting almost one month, I received a reply from Equifax which just stated " verified and account belongs to you ''. It was devoid of any of the requested information that I asked to be provided to me. As of XX/XX/2018, I'm still trying to have this information deleted to no avail. I have not been able to be qualified for a home loan and I believe that's it unfair to damage a persons report. I have provided my initial request to Equifax and their response. I'm seeking help. 
Thank you for taking time to read this email.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: CITIBANK, N.A.
State: NM
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:
I opened a XXXX charge account with Citibank in late XXXX. My XXXX statement showed that I had a {$1200.00} charge. They said that the charge had started out with Citi and had then been transferred to the XXXX  XXXX XXXX. Citi claimed that I had authorized the transfer when I opened my Citi account. 
I did no such thing. Besides, I had closed my XXXX  XXXX XXXX account. 
When I said I hadn't authorized the charge. Citi transferred the {$1200.00} charge back to them from the XXXX  XXXX XXXX. Citi still says I owe it to them, although they still won't say for what. 
I started this dispute with Citi in late XXXX. They turned it down on XX/XX/XXXX. Then I got sick, and wasn't able to pursue it. I sent them a letter yesterday, XXXX XXXX, 2020. This was my second letter. I never got an answer to the first one. 
I never charged anything worth {$1200.00} on my Citi card -- nothing. They have never told me what the charge is supposed to be for. They never proved that I had authorized a transfer of the charge to XXXX  XXXX XXXX, because I never did. Citi pulled this {$1200.00} charge out of thin air and won't discuss it with me.

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 2023-11-02
Company: Alliant Capital Management LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Alliant Capital Mangement LLC has been calling after being told to stop verbally. Not only have they been calling me but they are calling my employer and harassing family members by calling them numerous times using different phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage for refinancing of my home was conducted without involving an Attorney. If a real estate attorney had been used the bank would have discovered that there was an existing mortgage on the same property. As a result of not obtaining an attorney the loan was not paid off. The first mortgage holder is in the process of filing a fore closure. I have attempted to do everything possible to prevent this from happening.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2023 I wrote a check for estimated taxes to the GA Department of Revenue in the amount of {$1600.00}. In XXXX of XXXX I discovered that the check was never applied to the payment account with the Department of Revenue and I uncovered that the check written had been stolen from the US Mail and had been signed over to a person named XXXX XXXX with my forged signature below. A XXXX XXXX XXXXXXXX branch honored this forgery and cashed the check to this person. My bank, Region Bank, debited my account and paid the funds. 
I have filed multiple claims with Regions Bank beginning in XX/XX/2023 and on XX/XX/2023 I was informed that Regions would not be able to refund the stolen amount unless the Department of Revenue files case with them. The Department of Revenue will not be able to do this nor should they need to do this.

The fraud and theft happened to me and my account NOT the Department of Revenue.

All past checks written to the Department of Revenue are clearly marked with a stamp indicating the funds are deposited by the Department of Revenue.

This is a clear case of someone fraudulently signing over a check not made out to them and a bank honoring it and deducting funds from my account.

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 2022-07-25
Company: EQUIFAX, 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 Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I call Wells Fargo and reported an illegal electronic ATM transferred money.. they said they would investigation. Someone stole my phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed an complaint with there fraud department due to an incident where the was an overdraft on my checking and savings accounts. The bank never notified me, I went into the branch the next XXXX  and spoke with someone over the phone and they took my information but blame me for the overdraft. This incident took place around XXXX or XXXX of 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 2021-05-04
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
There are XXXX accounts on my credit report that are not mine I have not applied signed or used these accounts they are showing up on all three of my bureaus I have disputed these since XX/XX/XXXX but I have not heard anything back or seen a dispute opened I need these off my credit report asap!!! 


Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account INQUIRIES Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

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 2023-11-02
Company: Credit Card Receivables Fund Incorporated
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debt collection agency sent a 1099C to the IRS. When attempting to contact said agency to request " proof of debt. '' They informed me that the " Statute Of Limitations in North Carolina '' has passed, and they could not provide any proof of debt. Now, I owe the IRS taxes on cancellation of debt, in which I have NO PROOF of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Mr. Cooper Group 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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation