BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX an collections account from XXXX XXXX XXXX for XXXX appeared on my credit report. I have disputed this account with Experian multiple times once on XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX every time it came back verified. How can it be verified when the information isnt accurate they have my first date of delinquency as XX/XX/XXXX but, the original creditor XXXX XXXX confirmed my first date of delinquency as XX/XX/XXXX. Even if you add 180 days from that date you still dont get XX/XX/XXXX witch means my rights were violated. So Im asking that the account be deleted three times the account came back verified but its inaccurate I never got any notice at all I had to go look and call for myself.

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 2018-02-12
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: Problem with personal statement of dispute

Complaint:
I have sent dozens of XXXX letters requesting inquiry removal off my account because most of them are not done by myself from years ago being a victim of identity theft, well instead of removing said items Experian adds a security freeze to my account instead, well I call in and ask why it was added and behold nobody knows why this was done, and it is only on my Experian report. Well, I send in more letters, and they respond back that they will not remove anything from my report, but my million dollar question is why I am seeing and personally know some people who made one phone call and didn't have to send in anything at all and got every single inquiry removed off their report with no issues, but instead of responding to my request they just add a security freeze to my account and then have no record of doing so and not wanting to budge either or follow suite with the removal of unauthorized inquires saying I have to contact each individual company, do you know how many stamps that is going to take?! I sat in a room with someone who made one single phone call to Experian and had 51 inquiries removed in less than 15 minutes and then I send it letters after letters and call after call and nothing, stamps are not cheap at all, and they are not wanting to cooperate at all, but will for others, this is absolutely not fair at all! Answers please?!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I

HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSU
MER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2023-04-25
Company: Experian Information Solutions 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:
Account info XXXX  XXXX XXXX Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Mortgage I spoke with the VP of Operations with XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX She informed me that the Late Payment would cease to be reported as I was in the hospital. XXXX XXXX told me payment history was updated with NO LATE PAYMENTS. 

XXXX  This is not my account Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Mortgage Late Payments XXXX Creditor Information XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX Phone # : XXXX XXXX XXXX XXXX PL XXXX XXXX XXXX, SC XXXX Phone # : XXXX This account is not my account. 

CREDIT COLL : NOT MY ACCOUNT : XXXX XXXX {$800.00} XX/XX/XXXX XXXX XXXX Experian Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX Account No. 
XXXX Balance details 0 % paid off Balance {$800.00} Balance updated XXXX XXXX, XXXX Original balance {$800.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$800.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Payment summary XXXX Original Creditor XXXX XXXX IN XXXX IN. 
Responsibility Individual Individual Condition Derogatory Derogatory Original Balance {$800.00} {$800.00} Balance {$800.00} {$800.00} Date Opened XX/XX/XXXX XX/XX/XXXX Date Reported XX/XX/XXXX XX/XX/XXXX Remarks Placed for collection I contacted XXXX XXXX and they told me that this account would be deleted. It is not my account. This is for insurance on a XXXX XXXX. I have never owned a 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 2022-02-09
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:
Experian allows XXXX XXXX / XXXX to illegally furnish/ report negatively impacting my credit score. Please see attached of XXXX XXXX admitting to charging a closed account. please see attach photo proof that the account was deleted previously.

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 2019-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have a credit card that I rarely used at the time, but now no longer use at all. It had a XXXX   balance last time I checked it. There was a fraudulent charge from XXXX on XX/XX/2018 for {$110.00}. On XX/XX/18 I realized that my credit score on XXXX XXXX had been impacted, so I looked into the situation. I noticed the fraudulent charge and then promptly disputed the transaction with XXXX XXXX. They refunded the amount and the late fees on XX/XX/2018 and considered the dispute closed. I reached out to them again to let them know that the reported late fees were still affecting my credit reporting. I reached out to XXXX, TransUnion and XXXX  to report the issue and raised a dispute with all three bureaus. One bureau has the late payment still under dispute and the other two have reported it as resolved with no error found. My credit score dropped from around XXXX to around XXXX on the other two reporting agencies. Disputing a reported item will cause it to be excluded from a score, so my other score is still around XXXX. This is now a huge problem because my husband and I are trying to buy a house and his score is around XXXX. The lenders are giving us rates 0.375-0.5 % higher just because of this unresolved issue on my credit report. I am now not sure which way to go about this now. XXXX XXXX has been no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On the date of XX/XX/20 I was scammed of exactly {$1300.00} and I immediately called my bank Wells Fargo. I called the claim assistance center and the first banker who talked to me assured me that my funds would be resolved within 10 business days. I had confidence in my bank that they would return my money because of the reassurance that the banker reinforced with me. I then received three letters after from the bank. The last letter stated that they closed the claim and that they would not take further action to resolve my funds. I then called the bank to talk about my case to a banker after discovering of my result of the case and they said that they would not help me whatsoever.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act this creditor Capital One has violated my rights on ALL THREE ( 3 ) of my accounts with them.

Under 15 USC 1681 section 602 - section ( 4 ) - States I have the right to privacy 15 USC 1681 section 604a - section 2 also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666b - States a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2020-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/XXXX as XXXX XXXX of a XXXX XXXX I was reach out by text message by a unknown customer who requested service I received a cashier check for the amount of {$1900.00} the amount exceeded my charge for service. 
customer explain via text message why the amount of why was too much when my charges were only {$150.00}, he wanted me to paid a moving company he contracted I deposit the check on my app as always without no concern a day after the money reflected in my balance, up to this moment I had no issues. customer reach out to me and ask to deposit the balance XXXX to mover to this email XXXX with the name of XXXX to a XXXX account. On XX/XX/XXXX I sent the money since the amount reflected in my bank of America XXXX account, two days later I checked my balance and for my surprise bank of America deducted my balance tremendously in  shocked I call them right away to check what was going on, they couldn't explain right away, went to a nearest bank with the original check cashier check, they still couldn't tell me, only thing they were able to say was contact the person who sent you the check of course I did, person was also shocked and say will go to his bank. couple days later I get in the mail the deposit letter from the bank that the check is altered/fictitious. they were openimg an investigation but they weren't helping to get my money back even I provided them with the information XXXX XXXX XXXX address phone number XXXX XXXX XXXX XXXX NJ XXXX PHONE ( XXXX ) XXXX THEY STILL DID NOT DO ANYTHING. On XX/XX/XXXX I get a letter from bank of America stating they were closing the claim. I even made a police report DC # XXXX how can they not be able to help me, I been a loyal customer for over 10 years. and all I got was we cant do nothing cant help you

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 2023-06-07
Company: American Credit Acceptance, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I checked the loan application along with the contract and the original loan amount and fees do not match. I reached out to the dealership, but they are no longer in existence. I reached out to their parent company and they no longer have the records. ( They were supposed to keep them for 5 years. XXXX would make 5 years. ) I asked in a previous complaint for a notarized account ledger, but was denied, which is a violation of TILA. That was regarding payments. This complaint is for the overall agreement- which makes this a new complaint. I have attached pictures of the contract and finance application that ACA- the assignee, of which was not the original seller- who bought the accountant, which makes them liable, for fraudulent accounting. 

The complaint is fraudulent financial practices. The contract and the application amount are different for how much the cash value is and how much was truly owed. There was an undocumented up charge to in cash value and how much was owed, and was told that {$1000.00} cash downpayment was mandatory. 

In this matter, I would like to see the notarized accounting ledger, and for this issue to be resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: BARCLAYS BANK DELAWARE
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had purchased an item in may couple months ago. I did not receive the item. I have been trying to fight this for months. I have email proof with the merchant which they knew i didnt. I think the package got lost. They could not even locate it. My credit card company has been so unhelpful. Barclaycard services. I dont think i should pay for something i DID NOT receive. Please help. They are scammers

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 2023-06-07
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/, we received our final account statement from XXXX XXXX XXXX in the amount of {$1500.00}. We disputed some of the charges and it was reduced down to about {$600.00}. We disputed again and they again adjusted the balance to {$500.00}. I still sent in a dispute that the charges were not correct. They were charging us for a carpet cleaning that should have only been {$65.00} and they charged us for holes in a wall and there were no holes in the wall. The even sent pictures where there were no holes in the walls. The comparison report that they sent from move in to move out did not match the charges that were being charged. I tried numerous times and the least few days they stopped responding to email all together. I tried to communicate with the property manager XXXX XXXX, the regional manager XXXX XXXX and the regional vice president XXXX XXXX. I had even sent emails to their corporate office in Tennessee to XXXX XXXX, XXXX XXXX, XXXX XXXX and no response at all from them. The only amount that we should owe is {$9.00}. I have all email correspondence and the letters that were sent. The charge for {$380.00} needs to be removed as we patched all holes which is what we have always done while living in XXXX brand Apartments and the carpet charge should only have been {$65.00} according to the lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: CAINE & WEINER COMPANY, INC.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has an account reporting negatively on my credit report. There is no proof of an original document or signature between Caine & Weiner and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: GVA Holdings, LLC
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2019, I took out 2 payday loans, one from Bright Lending and one from Green Trust. I have taken payday loans before and did not fully look over the agreements, thinking this one would be similar to ones I'd gotten before. I was dead wrong. The interest rates are criminally high at 674.96 % APR and 674. 99 % APR for each respectively. Also, these two different companies are both located on the same reservation XXXX XXXX XXXX XXXX XXXX, MT XXXX XXXX, so I'm pretty sure this is a scam for tribal payday loans. Basically, I got very sick recently with my XXXX XXXX XXXX and needed money. Looking back now, I don't know how they approved me because I already had out two previous outstanding/unpaid loans. This is over my state 's ( Oklahoma ) limit for the number of loans you can have out. So I don't think they verify anyone 's ability to pay : they're just trying to trap people in long-term, insanely high-interest loans. I'd like to see first if all of this is even legal before I try contacting them to sort anything out. 

Thanks for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Resurgent Capital Services L.P.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
When I did my taxes in XXXX for the Year XXXX I found Credit Card opened that I did not. I contacted the Credit Cred Companies to dispute the Card and verified that I did not have anything to do with the Card being open. For months I called and disputed the Card over and over. I even disputed the Card on XXXX. All I head back is that the dispute was found I was accountable for the Card. This has been going on for years now and need them to be removed from my Credit Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-16
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I got laid off last XX/XX/XXXX, I was not delinquent with Sallie Mae at that time. After I got laid off, with no unemployment monies, I got sick and almost died, I was in the ICU for a week. I gradually got my health back and found employment in XX/XX/XXXX but was terminated in XX/XX/XXXX due to something that was not in my control. I am currently not working, getting a little unemployment, just enough to pay my car payment and car insurance. I know this does not excuse me from my debt. I have been trying to work with Sallie Mae since XX/XX/XXXX. I had set up a auto-deduct payment, but that is when I got terminated and had to cancel my auto-deduct. They have been very hard to work with since. We spoke with their loan people about the ability to pay and my payment before I got laid off in XX/XX/XXXX was under {$200.00}, now it is over {$300.00}. I told them I could not pay that nor could my mother, cosigner of the loan. When I spoke with a Sallie Mae rep XX/XX/XXXX, she hung up on me when I told her I was making around {$400.00} every 2 weeks on unemployment and could pay nothing that day. I have spoken with a rep since the beginning of XX/XX/XXXX and she stated she could take a {$100.00} but that my payments would then be over {$300.00} and again I stated I was not working and that there was no money. She was sorry she couldn't defer/forebear. A XXXX XXXX (? ) has been calling and leaving threatening messages and stating that I have not contacted Sallie Mae when in fact you can see that I have. We have written 4 letters to them asking for forbearance/deferment and asking for something in writing and yet they continue to call and put nothing in writing for us. I would like for them to either put my account in forbearance/deferment or lower my payment to where it was before so that I can make the payment.

Company response to consumer: Closed with explanation