BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-20
Company: Experian Information Solutions Inc.
State: MD
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 not a duplicate complaint. I filed a complaint in regards to my XXXX XXXX XXXX XXXX ending # XXXX not a Home Depot account handled by XXXX. To date my complaint in regards To the XXXX XXXX XXXX XXXX ending # XXXX, has not been acknowledged by all parties. 

On or around XX/XX/2022, I filed a complaint with the CFPB against, XXXX, XXXX and Experian, XXXX for refusing to report my XXXX XXXX XXXX card ending account # XXXX. In my complaint I did not say XXXX XXXX credit card handled by XXXX I specifically wrote in my complaint that XXXX is refusing on report XXXX XXXX XXXX card ending account # XXXX. 

Instead of XXXX properly investigating the right account and acknowledging the core competences of my actual complaint file with CFPB in regards to my XXXX XXXX XXXX card, XXXX used another delay and fraudulent tactic by responding to CFPB with a different account with full knowledge this was the wrong in account in question further delaying reporting of a line of credit and history in good standing effectively lowering the credit scores of Americans of XXXX descent. 


On or round XX/XX/2022, I received my XXXX, Experian and XXXX credit report and noticed they are inaccurately reporting my XXXX XXXX XXXX card ending account # XXXX current open line of credit with excellent payment history as an account in dispute without payment history I have never contacted XXXX or the three credit bureaus and disputed XXXX XXXX XXXX card ending account # XXXX line of credit. In addition, XXXX 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 practices and hold XXXX accountable. 

I want CFPB to investigate XXXX fraudulent responses CFPB consumer complaint and how using other wrong account information to respond to consumer complaint to deflect their deceptive business practices on the right account held by 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 explanation
Consumer complaint received 2021-06-09
Company: Experian Information Solutions Inc.
State: TN
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 disputed this issue on several occasions now and it is impossible to get fixed. 

Summary of Experian 's efforts below. 

XXXX, XXXX Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

The problem is Experian is not doing their due diligence. XXXX should have never been reported to by XXXX, therefore XXXX is not relevant nor should have any input. If you want to get to the bottom of the issue, Experian needs to contact the company that reported to XXXX erroneously. XXXX originally tried to collecting a debt that did not exist and then reported to XXXX. When I contacted XXXX they admitted it was not accurate and to cease collections and fix issue. XXXX is a completely bogus collection, because it only exist because of a XXXX error and not anything to do with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-26
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a binding contract with mercantile adjustment BU in writing to place a trade line on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/XXXX 30 DAY DEMAND XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: LDF Holdings, LLC
State: MT
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I needed money for license plates and tires so a first i tried to borrow {$1500.00} but cpouldnt affor {$300.00} a month payments so i went with borrowing {$500.00} with an interest rate of 243 % i later found that you cant loan over 36 % in Montana. Also that payday loans are illegal here. The man on the other of the phone said it was 7 %. I have tried to call with no answers. 
This was msupposed to be a monthly loan or i would have noticed XXXX payments instead of XXXX in the installment page online. 
they made no mention of payday loan but the AG office said that is what i have gotten into. 
I needed the money and they took advantage of that and totally decieved me through the whole process. 
am taking steps with the AG here in Montana

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Conn 's Credit is engaged in illegal practices to collect on an alleged debt. I sent them a debt validation letter over two weeks ago and have received no response. I entered into a consumer credit transaction with Conn 's Credit which included a finance charge. The finance charge is defined under 15 USC 1605 ( a ) of the Truth in Lending Act as the the sum of all charges in a consumer credit transaction. Conn 's credit is in violations my rights as a federally protected consumer. Furthermore, they keep attempting to collect on a debt which I do not owe and which was paid for by my open-end credit plan ( SSN ) pursuant to 15 USC 1602 ( j ). As a federally protected consumer I can and enforce for monetary damages if Conn 's Credit doesn't take all the action stipulated below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
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: Account status incorrect

Complaint:
I have made on time payments since XXXX. My credit report says I have a severely delinquent account. After two years of disputes I received a letter from XXXXXXXX XXXX XXXXXXXX XXXX stating they did not report a delinquency in XXXX after I filed a 4th dispute in XX/XX/XXXX. My Experian report is still showing delinquency on a closed account on XX/XX/XXXX, XX/XX/XXXX and again in XX/XX/XXXX and XX/XX/XXXX when I filed disputes. None of those should be on my report. This has made it so I cant qualify for a house or car loan because their report flags my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ).

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. Also my current address is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, But bureau reported that I have many addresses like XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, 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 2023-04-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Someone is trying to open accounts and credit cards in my name and trying to get loans under my name from bank accounts including XXXX, wells Fargo.

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 2022-01-23
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Hello, I have submitted two pervious complaints about the unethical practices of Citi. I opened an account with Citi and they would not give me access to my account and continued to flag my account for fraud because I didn't have what they considered to be the right phone number. 

I don't live near a Citi bank so I ended up flying to XXXX  specifically to deal with Citi and unlock the account. I went into a branch near XXXX, gave my ID and passport to the manager and sat for an hour while he unlocked my account. He apologized a lot for the inconvenience and was super helpful. I should have closed then and there but the manager was so helpful and assured that was a unique incident. He even updated my phone to a new number on my account. 

I left and went back to my home away from a Citi bank and within days my account was blocked and I could not do anything because they said my phone number wasn't correct again. So I used my checks to withdraw all the account 's funds and sent an email to the bank manager in XXXX as well as called the Citi hotline numerous times, but again, they would not close my account because they said they couldn't verify my identity because of my phone number. 

Then, they have continued to send me emails saying I owe THEM fees because I didn't close the account and the balance was 0. Recently, they sent a message saying they closed my account and I owe them XXXX $ or they will send to collections. 

How is this possible? They wouldn't let me close the account over the phone or online, I don't live near a branch and the only option they provide is to fly to a close branch and do it in person. They already locked me out of my funds for over 5 months and forced me to make a trip to a city with their branch because of their obsolete protocols, then they won't let me close and try and charge fees??? 

I am extremely happy they closed my account as I want nothing to do with this awful bank and I have already opened accounts with other more reliable firms, but charging fees for not closing my account sooner when they blocked me from closing my account sounds like it should be illegal.

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 2023-05-22
Company: Experian Information Solutions 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:
15 U.S.Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

t has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATARC om Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENER to subsection ( c ) any consumer reporting agency may furnish a consumer report unc following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCT consumer to whom it relates. INEVER gave any consumer reporting agency WRITTEN CO NT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 explanation
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: GA
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:
Experian and XXXX clearly have no respect for the laws. Per my previous dispute Experian claims the account for XXXX XXXX XXXX came back verified. How can this account be accurate if the balance is still incorrect. I demand that Experian and XXXX update the correct balance for this account or remove the account from my consumer report due to the account balance being incorrect. I have attached a copy of both of my credit reports which proves a reinvestigation was not done.

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 2019-05-02
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 and XXXX are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see pages 45 and 46 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Ally Financial has fabricated a response to justify their failure to release my title after I paid the loan in full, following an unlawful repossession.

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 2022-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Yesterday, XX/XX/2022, Capital One assessed a " Returned Online ACH Payment '' in the amount of {$400.00} to my XXXX credit card with them. This was due to me attempting to pay off my entire balance of {$4900.00} on XX/XX/2022 via Capital One 's mobile app on my phone. The payment source I had selected was my XXXX bank account, which was negative at the time due to recently miscalculating my available balance when making payments, and getting hit with multiple {$34.00} insufficient funds fees from XXXX as a result. 

I attempted the payment because I felt overburdened with debt, and I was in a very emotional state because that day was the day I finally decided my dog had fought long and hard enough, and it was my duty as an owner to put him out of his misery. I have proof in the form of a receipt from XXXX XXXX XXXX in XXXX, California that I euthanized my XXXX dog late in the night on XX/XX/XXXX, going into the morning of the XXXX. 

I knew that if I had managed my finances better, and worked harder, I could have made my dog 's last 6 months much more comfortable via specialty treatment and therapeutics, and perhaps even prolonged his life by a few years by having a surgical intervention for his collapsing XXXX. I was frustrated and my judgement was impaired due to the situation I was facing financially and emotionally in regards to my dog. 

I made a bad decision trying to process that payment that I knew my bank account wasn't good for, but it was a momentarily lapse in judgement, and I honestly didn't even expect the payment to go through. Now the payment has been returned, and Capital One is trying to abuse me with a {$400.00} charge that I'm not in a situation to pay. 

I have made all of my payments for all of my credit cards for almost three years straight now, and I don't know if what Capital One is doing here is even legal, but I know it doesn't feel right. They already charge me exorbitant interest around 25 % APR, meaning my roughly {$5000.00} debt with them is worth around {$1200.00} in annualized profits. Adding another {$400.00} to that for a simple mistake is absolutely ludicrous. 

At this point I'm doing everything I can to tread water financially, and I really need an advocate rather than more of my time wasted talking to customer service where I'm sure they will say there's nothing they can do about the charge. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-06-08
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
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:
Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, XXXX XXXX XXXX XXXX used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. XXXX XXXX XXXX XXXX reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.

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