BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-10
Company: Experian Information Solutions 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:
Experian, XXXX XXXX  XXXX XXXX are not responding to my requests to investigate, verify and remove accounts from my credit reports that do not belong to 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 2019-11-11
Company: CARS Acquisition, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I financed a XXXX XXXX XXXX from a buy here pay here dealership called XXXX XXXX in XXXX, FL on XX/XX/2019 for {$4900.00}. Since buying the car I have had nothing but trouble from it. The driver side seat belt didn't work, it needed a tune up, there was a scrubbing noise coming from the undercarriage. I took the car to Georgia and it broke down on me several times including the tires blowing out on me twice. I finally got the car back down to XXXX and called them to come get the car and they did on XX/XX/19 I am filling this complaint because I want the financing company, Car financial services to close out and delete the account from all three of my credit reports. This situation has caused me great undue stress and hardship and I want it resolved. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I previously sent a complaint with wrong information. I stated my chapter XXXX bankruptcy was discharged, actually it was Chapter XXXX that I filed and it was confirmed on XX/XX/2018. The discharge paperwork was sent through XXXX XXXX Circuit Court. I was informed that my credit profile would be updated. I'm XXXX, low income and needed to file.

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 2021-11-03
Company: Experian Information Solutions Inc.
State: DC
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:
Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit ''. Notice, congress said ANY card. My SSN Card is the credit card that was used to originate every consumer credit transaction on my consumer report. Every credit transaction involving the consumer was originated by the consumer using their social security card. Pursuant to 18 USC 8, all debts are the obligation of the United States due to the fact that the United States has been bankrupt since 1933 according to House Joint Resolution 192.

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 2015-11-01
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
I entered my identification inormation in, I did not recognize or remember most of the correct answers. The website then told me I ca n't get my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
State: FL
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 legal name is XXXX XXXX . I believe my personal information was hacked/stolen and need to remove an alias on my credit reports from Experian and XXXX. The alias is written as XXXX XXXX XXXX. I have never been known by this name in any way, shape, or form. I request that the name be removed from both credit reports on the mentioned bureaus.

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 2018-03-10
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ONXX/XX/XXXX, DIVERSIFIED CONSULTANT INC RESPONDED TO YOUR DEPT ( CFPB. ) ON CASE # XXXX THAT THEY SENT A DELETION ORDER TO THE CREDIT REPORTING AGENCYS, THERE LETTER WAS DATED XX/XX/XXXX TO YOUR DEPT. 
AS OF XX/XX/XXXX XXXX IS STILL REPORTING THIS COLLECTION WHICH IS DAMAGING MY CREDIT. I ASK THE CONSUMER FINANCIAL PROTECTION BUREAU TO HAVE XXXX XXXX XXXX,  TO IMMEIDIATLY REMOVE THIS COLLECTION AS THERE LETTER OF XX/XX/XXXX TO YOUR DEPARTMENT STATED. 
I REQUEST THAT DIVERSIFIED CONSULTANT INC,  PROVIDE A COPY OF THE DELETION LETTER THEY STATE WAS SENT TO THE CREDIT REPORTING AGENCYS TO ME FOR RECORD FILLING. 

THE REFFERENCE ACCOUNT THAT NEEDS TO BE DELETED IS XXXX XXXX XXXX. BALANCE {$3700.00}. 

THANK YOU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-03
Company: JPMORGAN CHASE & CO.
State: NY
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 have received a letter from Credit Card Chase who reported due to delinquencies, bankrupcy or late payments the have reduced my line of credit from XXXX to XXXX. I had recently paid the credit card off and started to use this card again and have had no payments over 60 days delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/2019 I contacted USAA Banking via telephone. I have been a member of USAA for over 19 years. ( Membership number XXXX ) During this telephone call I completed an Application to secure Auto Financing to purchase a XXXX XXXX XXXX XXXX The application process was very easy and I supplied all the information that was requested. Several hours later I was at the XXXX Dealership with the General Manager finalizing the transaction and called USAA Banking back to verify the Interest Rate and was told my rate would be 4.28 percent on borrowing {>= $1,000,000}. During this same call the USAA Representative was even nice enough to verify the monthly loan payments in terms of how much of a down payment I was going to make on the purchase. The following Tuesday XX/XX/2019 I recontacted USAA to find out the status of my loan and was told that I was approved but the interest rate would now be 4.74 percent. There was NO immediate explanation given until I escalated my complaint to a manger who informed me that because my credit score was ONLY XXXX the interest rate was raised. I deem this to be deceptive business practices and blatantly just fraud. USAA Has refused to speak with the USAA Representative who quoted me 4.28 percent so as to verify that I was told my loan Rate was 4.28 percent. 
XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX Last reported XXXX XXXX, 2023 {$8100.00} Open balance XXXX XXXX Original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: EQUIFAX, INC.
State: MD
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:
Hello, I'm contacting you about the hard inquiries that have been running on me. 

1. I have a hard inquiry by comcase on XX/XX/XXXX and XX/XX/XXXX, one day after the other. How is that possible? There should be maximum one. 

2. XXXX XXXX XXXX has done a hard inquiry on me when they told me that it will be soft inquiry on XX/XX/XXXX 3. A hard inquiry from XXXX XXXX XXXX XXXX XXXX without remembering asking for my permission. Dated, XX/XX/XXXX All the above was using Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: EQUIFAX, INC.
State: FL
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 unbeleivable how do these people learn how to scam and steal people identity to open fraudulent Accounts I did not Authorized these account. this is fraud please shut down these Accounts also I would like to put a fraud alert on my files thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
By advice of an assistant attorney general of Virginia I am submitting my complaint for predatory lending. Net credit made it unclear upon agreement the payment amount was biweekly and that the interest rate surpasses the usury cap of 12 % for the XXXX of Virginia. I am currently a complainant in a case against the XXXX of Virginia Vs. XXXX XXXX  which is being actioned in XXXX XXXX circuit court. This complaint is that XXXX XXXX has no legal authority to bind Virginia citizens to usury caps above 12 % when they do not have a license to operate in the XXXX of Virginia even with a binding arbitration agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
on XX/XX/2021 XX/XX/2021 and XX/XX/2021 I mailed dispute letters to Equifax, XXXX  and XXXX  to remove accounts listed below for inaccurate information its been more than 30 days and they still haven't replied to me that violates my fair credit rights. especially section 609. Under the law, if the credit reporting agency fails to respond in 30 days, they must remove the account from report. Again they are violating my rights under the Fair Credit Reporting Act. can you please make them delete these items from my report for violating my rights please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Discover card is put on my credit that I owe them {$300.00} when the credit card was a secured credit card the {$300.00} I paid to begin with what is offset the XXXX Anythink plus the interest to what I owe them you can't put interest on a credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: EQUIFAX, INC.
State: TX
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:
Equifax, if the mortgage account with XXXX dba XXXX XXXX # XXXX is not corrected to OPEN, then the next correspondence will be from my attorney. 
I have dispute this 4 times now. See attached Equifax dispute results. nothing was corrected. And yes, I have disputed with  XXXX, but I am not allowed to actually speak to anyone in their credit reporting deptso my dispute is going nowhere. 

**See my attached mortgage payment receipts for XXXX, XXXX, and XX/XX/2020. I pay this account every month! It is OPEN. And there have been no late payments past 30 days, ever. 

*I also disputed this again online XXXX, and provided all these documents again online as well. 

Please correct my Equifax credit report to show mortgage account with XXXX dba XXXX XXXX # XXXX as OPEN, not Closed. And on-time payments through XX/XX/2020. 

*I have provided PROOF that this account is Open & current on payments multiple times, not Closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/2018 we asked for a balance transfer for {$1200.00} from credit card XXXX to credit card XXXX. The transfer was done to the credit card ending on XXXX, but the card ending on XXXX hasn't been paid until today. 

The problem is that now I have two balances open, please help us solve this problem, I have contacted the XXXX XXXX that issued the card ending XXXX, they always give me a different answer. I contacted them on XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX, they said that it could take 6-8 weeks for them to pay the other credit card ( XXXX ), the problem is that interest is accruing since then. 

I hope you can help us with this problem. 
Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/21 my HR department reported to me a false unemployment claim has been filed using my credentials. I reported the fraud and was told to freeze all my credit reports. It worked find for XXXX  and XXXX. However, for 4 days now I have not been able to reach Equifax, despite repeated attempts to login, I kept being referred to their Customer Care phone number ( XXXX ) and others. During my last attempt, instead of waiting until they hung up, I opted to have them call me back. After several business hours I was never called back. Needless to say, I'm very concerned and find this unacceptable behavior and service from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: Caliber Home Loans, Inc.
State: MO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I had XXXX soon after I started having complications. I was off work for 2 months. During this time my XX/XX/XXXX company called to inform me that they were going to be fighting me on my claim. So knowing that I wasn't going to get paid I called my mortgage company in XX/XX/XXXX they informed me they have programs to help me. I told them I would keep them updated. I was able to make my XX/XX/XXXX payment. XX/XX/XXXX came still no money from my XXXX company and now all my bills are piling up and my medical bills are way more then I can handle. I called my mortgage company for help. I applied for a hardship turned in everything they asked for. As of yesterday XX/XX/XXXX I still hadn't heard from them so I called they informed me that they denied my hardship. I asked them why they said because they didn't think with me being off work for 2 months due to my medical condition with no pay is a hardship. I'm a single mother of XXXX daughter 's my income is all we have. Please help me I don't want to lose our home. I'm only 1 month behind and they won't work with me. I've called HUD but they can't help because I don't have a FHA loan the hope program just did was had me call a counseling program. My XXXX company still won't give me any info and now it's going on 4 months. If I could just get my XXXX   money then I wouldn't be in this situation. Please help me. Your my last chance. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a credit card, which I am paying every month if it is missing. This company sent me a letter saying that they can not renew my card because they closed my account and they told me that they will continue to charge me interest. I told him that this can not be done, because if they were the ones who canceled my account, they can not continue charging me the interest that the balance owes in the same amount, so that I can finish paying that 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 2018-09-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
This issue appears to be recurring in the last 6-8 months. I have had bill pay with Wells Fargo for several years. With their service I post date of transaction and then a drop down menu for date to be paid which I generally post and release 2-3 days prior due date. Within my own credit card with Wells Fargo I have been in the past able to post on the same day as due date without any interest charge. 
The last month they withdrew from my payment of {$1400.00} post date XX/XX/XXXX for withdraw XX/XX/XXXX with a due date of XX/XX/XXXX. 
This month statement I'm charged for a interest fee of {$22.00}. We have conversed through email and now they have taken payment out on XX/XX/XXXX of {$1400.00}. Now being displayed as 20 days late of payment. 
I am trying to build my credit and not sure of the recourse that I should take but this is not tolerable switching a payment out of my bill pay and posting that I am now 20 days late. I have paid in full for this to day XX/XX/XXXX with due date XX/XX/XXXX showing the it will not be delivered until XX/XX/XXXX. 

Pleas 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 monetary relief
Consumer complaint received 2018-09-27
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:
requested a copy of credit report b/c of ftc violation have not received one more than 30 days

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 2020-11-24
Company: ERC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection agency is reporting {$840.00} to my credit report. They verified the account to the credit bureau when I sent a dispute to the credit reporting agencies. I proceeded to sending the collection agency a letter asking for the signed documents for that debt. That was in XX/XX/2020. I have not received as response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: EQUIFAX, 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:
requested a copy of credit report b/c of ftc violation have not received one more than 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I decided to close my wellsfargo since Im having a hard time to deposit a check using my mobile up. And dont want to use it anymore

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