BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-13
Company: Experian Information Solutions Inc.
State: MS
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:
Please be advised this is my second attempt to file a complaint. The first complaint experian didn't even read and just put up a standard templete telling me contact them directly and dispute with them. PLEASE BE ADVISED I HAVE DISPUTED DIRECTLY ATTACHED YOU WILL FIND THE LETTERS SENT DIRECTLY TO THEM. FURTHERMORE, I did provide copy of license social security card and copy of a bill. This response has to be illegal by them not even reading my response and just putting anything done to close this case. I demand justice my rights are being violated they should not be allowed to operate this way. I have provided experian copies showing them proof this bureaus collection should not be on my credit. I have contacted the vendor directly and themselves can not validate the collection. I have sent Experian proof of these letters that the vendor can not validate the collection, their response was that vendor came them my name address and social security so it must be true. This way of doing business is illegal they did not obtain any proof other that the vendor giving them my name address and social security. I asked for proof copy of a signed contract and neither experian or the vendor can provide a contract signed by me. Therefore, I am demanding the Experian remove this inaccurate and verifiable collection off my credit. I value my credit and Experian is allowing anyone without verifying to list what ever they want, this is totally illegal and violating rights. I hope this time Experian will take the time to read this complaint and instead of a standard templete telling me to dispute directly. This is illegal I thought this site was for me to file and complaint and actually have it investigated with a proper response from the corportation. We can not allow corporation to do what they want and not follow the proper procedure. Why even have this site to complaint if they can get away without even reading your complaint. I demand justice and have my complaint actually reviewed. I demand this collection bureaus to deleted.

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 2020-07-13
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
They included in my my monthly statement legal fees of {$24.00} and property inspection of {$30.00} without telling me and what gives them the right to charge me for something that I did not agree to pay and what right do they have to add charges to my monthly statement

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2023-04-30
Company: Kriya Capital, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX XXXX XXXX XXXX opened a collection account for my phone bill. However the issue I have now is that they just added the same collection onto my account again on XX/XX/2023. Not only is it the wrong amount this time but are they even allowed to do this again???

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

1. XXXX XXXX Account Number : XXXX Bal : {$4900.00} 2. XXXX XXXX XXXX Account Number : XXXX Bal : {$300.00}

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 non-monetary relief
Consumer complaint received 2018-03-10
Company: EQUIFAX, INC.
State: CA
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:
Never came to terms, Have no debt with this lender what so ever, Had i known the terms submitted by the lender, i Would have never Submitted a Credit application. 

XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXX XXXXXXXX, MN XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXX XXXX XXXXXXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX from XX/XX/XXXX Institution Information XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I had been using XXXX for purchases and as a seller for many years. I have a bank account connected with the company, where deductions for purchases and deposits for sales occur automatically. 
When I was making a purchase, ( XXXX, 2017 ) an ad for XXXX XXXX came up. It offered free delivery. I decided to click on the ad to see if the service would be beneficial. I made a {$13.00} purchase. I never received the item. Instead, I received an email that said there was no safe place to leave the package. This was a blatant lie. # 1 I was home all day. # 2 I lived in the country, had a secure porch, and # 3 before I had XXXX XXXX, XXXX delivered literally dozens of packages to my porch. I canceled the service. 
I assumed I would be charged and refunded to my normal bank account. I did n't give it another thought. 
Recently, I was contacted by " XXXX XXXX, '' telling me that I had an outstanding debt and that fees and late charges were being applied. I told them I never heard of them. 
I never applied for an account with that bank and never signed anything indicating I wanted a new credit card. I also told them I never received a card in the mail. They said they would mail one. I told them I would rather they cancel whatever this account was and leave me alone. The harassing calls continue, and now I receiving paper bills in the mail. I never received a bill for the XXXX purchase ( which I never received ). 
They refuse to leave me alone.

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 2023-07-12
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
The car was reported stolen then ended up being found but it can not be driven its totaledI ended up calling my insurance but come to find out I didnt have full coverage but I had the GAP insurance with the bank.I have contacted them about it but they did not resolve the problem at all I still have the remaining balance of XXXX dollars with no vehicle. I was paying gap insurance with the loan but I guess that doesnt matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
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: Information belongs to someone else

Complaint:
Requested Transunion to remove fraudulent information according to 15 U.S code 1681b and under 15 U.S code 1681i. The said company Transunion also violated my federally protected rights under 15 U.S 1692 which they did 14 times and also informed me in a letter from XXXX XXXX on behalf of Transunion that they committed Aggravated Identity theft 18 us code 1028A. IN order to verify a debt according to the law they need a signed contract from both parties and keep in mind that a statement isn't a invoice, which wouldn't be available to Transunion as they aren't authorized to speak on my behalf never have been and never will be. Transunion is using deceptive and fraudulent techniques alongside these companies to manipulate consumers scores which can't be explained under the FCRA because it is fraud. As a consumer federally protected under the Fair Credit Reporting Act ( FCRA ) by law these of these inaccurate, unauthorized, unverifiable, and questionable items on my consumer report must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also I have already involved and sent this letter to the Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX/XX/XX/XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX XXXX XXXXcc Inquiry from XX/XX/XXXX XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXXl Inquiry from XX/XX/XXXX XX/XX/XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXXXX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquiry from XX/XX/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 2023-05-12
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: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX 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 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 2023-05-12
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: Their investigation did not fix an error on your report

Complaint:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX 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 2020-07-13
Company: Experian Information Solutions Inc.
State: RI
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:
To whom it may concern, In XX/XX/XXXX, I was notified by Experian of a credit score increase to XXXX. My payments are exceptional and due to the pandemic, I ensured that I paid all of my credit cards off, just in case. In XXXX, I was notified by one of my credit card companies that they were raising my credit limit and switching me from a secured to an unsecured credit card with a XXXX dollar credit limit. I assumed that such a congratulatory event would cause an increase in my credit score.  Unfortunately, they dropped it to XXXX for no reason. I assume because I was not using my credit cards at the time. I sent an inquiry and they reflected an increase in the limit on my credit card, but the score remained. 
I pay my credit cards off, whenever I use them and I don't use them unless it is needed. I find it strange that consumers are penalized for not using credit frivolously with the reporting agencies attempting to goad us into " boosting '' scores by adding utility bills. I think it's a scam and it should be investigated. I'm attempting to recover my score, after filing bankruptcy in XXXX. I have been exceptional in my payments but regardless, I am remaining in a subprime lending zone, when my behavior doesn't warrant such a position. Please investigate this, as it is unfair.

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 2023-04-30
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
This collection company has put a collection debt on my credit report for {$2600.00} that I do not owe and I have never received any documentation. I am requesting that this company be notified and the debt be removed from my credit report. This is a fraud report and this company did not follow the Fair Debt Collection Practices Act. The account that is being reported on my credit report is below : One of your accounts has been reported as a major derogatory item on your credit. 
Reported By : XXXX XXXX XXXXXXXX XXXX  Creditor Contact : XXXX XXXX XXXX XXXX XXXX, UT XXXX Account Type : Other collection agencies Balance Amount : {$2600.00} In Collections : Yes Payment Status : XXXX XXXX XXXX ( Collections ) Status 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 2022-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2019-06-20
Company: WELLS FARGO & COMPANY
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Hello, I am one of the customers defrauded through the Wells Fargo consumer protection insurance ( CPI ) program. 
I received a letter in XX/XX/2019 explaining that they had placed the CPI insurance on my vehicle unnecessarily and I was due a refund of {$6200.00}. In addition to the refund it states in the letter that they will repair other damage resulting from the CPI. I have contacted Wells Fargo who insisted the check was on the way and to cash it ASAP. I explained I had received the check but wanted to be sure my loan and bankruptcy was cleared from my credit report. They said to dispute the issue with the credit reporting agency. 
I filed a dispute with XXXX. They confirmed the identity and details of the loan were true, nothing changed. Same thing with the bankruptcy. The loan has not been listed as paid, the negative marks are still there. The bankruptcy is still there. I dont know how to have this cleared and Wells Fargo, as we all know, is wrought with deceit. If I cash the check I will forfeit any possibility of having the damage done to my credit repaired. The affects of the CPI program on my loan, and in turn, my life were devastating. I lost everything trying to keep up with these payments that were forever in arrears. Having to file bankruptcy and ruin my credit to get my vehicle back after being wrongly repossessed. It was pure XXXX for 3+years. Now that it has come to light how devious they are and are obligated to right their wrongs, I want and deserve some justice.

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 2023-07-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account { XXXX } XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: MI
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:
EXPERIAN is an elaborate mechanism that has used criminal acts to violate my privacy. EXPERIAN has committed identity theft and broken the laws put in place through sharing my federally protected information as a consumer with third parties, including XXXX, XXXX and XXXX 'S, without my prior consent. EXPERIAN assumed a grave responsibility in their role as a consumer reporting agency, and has failed in their obligation to report accurate information that is fair and equitable to myself as a consumer. I am a creditworthy person with excellent reputation. I have lost my faith in the banking system and refuse to extend my credit when EXPERIAN continues to furnish information of fraudulent credit utilization, credit scores, and balances that do not exist. 

I have attached my credit cards for identification purposes.

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