BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
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:
( XXXX XXXX - Account # XXXX ) I am writing this letter in regards to the account referenced above that is being listed on my credit report by EXPERIAN. This account has not been properly verified and as you know failureto comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. 

For obvious reasons, I am maintaining very detailed records of all my correspondence with you in preparation to file a complaint with the Attorney Generals office and the Consumer Financial Protection Bureau if you continue to list this item on my credit report. I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the account can not be verified, you are obligated by law to remove the item and if you do verify this item please provide the complete name of the person who verified this information, telephone number, the date you spoke, all documentation provided to you, and the method of verification as well. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. 

According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. I demand that this account be removed off of my credit profile immediately. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.

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 2022-09-11
Company: EQUIFAX, INC.
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
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:
All of those accponts are not belong to me. am requesting to remove as soon as possible.In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as  resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.

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 2023-03-15
Company: Bread Financial Holdings, 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:
On XX/XX/2021, I paid the total balance due on my credit card bringing my account to XXXX. For some reason, the company charged me interest on account of {$1.00} on XX/XX/2021. From that point to now, they started charging me late fees bringing the amount due to {$47.00}. This was never reflected on my on-line account as anything being owed. I was still thinking the account was paid in full, until I received a call from a Comenity Bank representative on behalf of XXXX  stating I had an outstanding balance and that my account was past due. I immediately paid the outstanding amount, even though I didn't agree with it. She then gave me a credit of the late fees. She also stated that no statement was ever generated or sent to me indicating that an amount was due. She said that she would submit a request to have this removed as it seemingly was a system error on their part. This is still reflecting on my credit report as a late fee and I would like this removed completely because how was I supposed to know anything was due if it was not reflecting on my on-line account nor did I ever receive a statement from the company informing me that something was due? I was also told they would send me a letter stating the gave me a credit of the late fee and also a letter stating my account reflects a XXXX balance, which I have yet to receive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-08
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( XXXX ) ( A ) and 611  ( a ) ( XXXX ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$15000.00}

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I took out a mortgage in XX/XX/XXXX with Wells Fargo. I paid my payment every month for years, then I was unemployed but still made my payments within the month due, due on 1st but I paid it as soon as I got my unemployment check. Then fees started, it was {$8.00} late fee monthly then a charge that just said other charges - I called that ended up being " oh we had to send someone out to take pictures & make sure you were living there '' but it was a large charge several times. 
Then in XXXX I was working but hospitalized for a fractured hip, needed XXXX & ended up going on early retirement through Social Security at XXXX. I knew this was going to be a major problem with them from my numerous phone calls in the past. I explained I would not be able to make the due date because I would receive my check on the 4th Wednesday of each month, I asked to have the due date changed or put all the payment as an additional end of loan payment with the extra charges. Their only response has always been - " we can't do that but you could have the option of paying an additional payment & the charges in a 4 month plan and still make a payment " I tried several times to resolve this to NO end. 
I don't have any extra money. I did receive a small check a few years ago when Wells Fargo had to pay out claims on mortgage fraud with " the other charges '' but didn't come close to cover my charges. Now my bill shows " no '' extra charges but only shows late fees of {$930.00} - MY PAYMENT IS ONLY {$240.00} A MONTH!! That is almost 4 months of mortgage payments. 
I'm sure by now, you know I can't stand Wells Fargo & their greed. I know several others that feel the same way about them through their own experiences like mine. They need to be more concerned about their customers I pay my bills they just won't work with me. 
Thank 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 2022-09-11
Company: EQUIFAX, INC.
State: WA
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 am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is governed by 15.USC.1681 And they violated rights numerous times. I demand the accounts listed below be removed because, According to 15.USC.1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been trying to get inaccurate and untrue information off my credit report since XX/XX/2021. I have sent in letters dated XXXX, XXXX, XXXX, and XX/XX/2021 and the only one that has removed my information is XXXX. I have received no replies from anyone else. This is a violation of the FCRA. They have had more than 45 days to remove.

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 2019-12-02
Company: Conn's, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Conns keeps calling my family members and illegally disclosing details of my debt. They also frequently call 10-12 times a day at all hours on the same day the bill is due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Bank of America Credit Card website changed their sit payment options. As a consequence, I submitted a payment on XX/XX/2021. This resulted in late fees and interest being assessed to my card unjustly. 
I have submitted a help desk ticket with their IT department. However, the agents said that there is no way to apply the payment to XX/XX/XXXX, and since it was not paid on time, they can not waive the fees. Even though I was able to recreate the issue with the website multiple times, they said there is no way to credit the interest or late fees. 
It should be noted that there were {$720.00} in CREDITS the month of XXXX, so the {$1100.00} was in addition to these payments already made. I was actually paying a month ahead of schedule! 
I should not be held accountable to their inept website 's inability to apply payments properly. 
Operators were XXXX XXXX and supervisor XXXX XXXX ID 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 monetary relief
Consumer complaint received 2022-05-21
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:
On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX  XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$4900.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$710.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$880.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$260.00} ), Onemain ( Opened XXXX. XXXX, XXXX, Highest Balance {$1600.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2021-04-10
Company: Exeter Finance Corp.
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:
This account is no longer mine. This is a notice pursuant to FDCPA 15 USC 1692g stating your claim is disputed and validation is requested. FDCPA Section 807 ( 8 ) states if you can not validate this debt you must request that all credit reporting agencies delete the entry IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: BARCLAYS BANK DELAWARE
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 information incorrect

Complaint:
My complaint is against Barclays bank. What happen here is that Barclays bank is reporting a 30-day late payment this happen in XXXX 2019. The 30-day late payment is for annual fee which I was not aware I had to pay. On XXXX statement it said that I have a past due of {$40.00} because of an annual fee. First Barclays bank was supposed to be making auto payments regarding my account ( XXXX ). Second, I have a {$30000.00} credit limit with Barclays which I dont even use so that means it was not a money issue but a bank error. Third it is an annual fee which I was not even aware I was paying. I was aware of this incident because I was informed by my mortgage company telling me that I was no longer approved for a $ XXXX home loan, which is to close next week. Otherwise I will lose my {$15000.00} deposit for the property.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. 
Kindly remove these fraudulent items : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX AUTO XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These items are inaccurate and fraudulent XXXX Im seeking Litigation. Please delete them at once.

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 2021-10-28
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
They gave false information to my bank will be getting sued if need to. They have my credit blocked as if ion have any credit against the law need this fixed immediately. Have called them several times get hung up on tired. Will be suing if this not fixed in 3 days been waiting 7 months

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: Netspend Corporation
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Enroll in saving program of Netspend full-out direct deposit form was email receipt of deposit tried to check balance and have receipt of no balance negative XXXX on receipt but bot deposit available balance shows up in account XXXX routing XXXX XXXX XXXX XXXX expiration date XXXX CVS XXXX registered with XXXX card ending XXXX XXXX. XXXX balance FDIC insurance company

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 2022-09-11
Company: Experian Information Solutions Inc.
State: PA
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 was never late on this account. This account is reporting inaccurate information which is highly damaging me as a consumer. I NEVER LATE PAYING ON THIS ACCOUNT! This is incorrect reporting!

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 2021-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have a BK reporting on my credit report that does not belong to me, I am a victim of ID theft and have sent several letters to Transunion regarding this along with my police report and they 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 explanation
Consumer complaint received 2022-01-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have reached out to XXXX and requesting information such as, my consumer file in which I have yet to receive a response. 
XXXX is in violation of my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
I pulled my XXXX credit report and found SYNBAMERICAN EAGLE had pulled my credit without authorization on XX/XX/2019. I sent them a letter to remove the unauthorized inquiry and they have not responded so I am filing a complaint.

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 2022-09-11
Company: CITIBANK, N.A.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On or around XX/XX/2022, I received my XXXX credit report and noticed they are inaccurately reporting Citibank an current open line of credit with excellent payment history as an account in dispute. I have never contacted XXXX or Citibank and disputed Citibank line of credit. In addition, XXXXCitibank refused to report any payment history for this account or current balance left this information blank effecting my debt to credit ratio, effectively impacting the credit score. I believe this reporting error is intention and designed to lower credit scores of Americans of XXXX descent. I want the CFPB to investigate this deceptive business practice and find out how many Americans of XXXX descent are being impacted by this deceptive reporting practice and hold Citibank/XXXX accountable XXXX I also want the CFPB to enact and enforce laws to protect consumer from this type of abusive reporting practice designed to lower American of XXXX descent credit scores.

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