BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Someone did fraudulent stuff to my account so they closed my account and I cant pay back my loan at all

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 2019-06-25
Company: EQUIFAX, 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:
Dear CFPB I would like to put a complaint on the credit agencies and XXXX XXXX XXXX. I also will put a complaint with the XXXX. I am questioning account numbers XXXX and XXXXwith XXXX Due to the fact I have sent several dispute letters to credit reporting agencies since this year XXXX and it comes back verified every single time. They are claiming that I owe { {$810.00} } to and ( {$1100.00} ) on my credit report. I have contacted XXXX to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. I have even submitted a complaint through CFPB and the collection agency have not responded yet. I have sent numerous letters to XXXX regarding an alleged debt ( s ) that I owe via certified mail. I have requested validation that this is my debt or account and they have failed to provide me with any contract that I signed with them or with any contract with the original creditor bearing my handwritten signature. They are reporting inaccurate information to all 3 credit reporting agencies, therefore damaging my credit beyond repair. I have given them an ample amount of time to validate and correct this matter and I have not gotten any response to my letters. I ask these accounts to be  removed from all three credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Several creditors were included in my bankruptcy these creditors are still being allowed to on all three bureaus report late payments on old debt. It has been 4 years since my bankruptcy and each of the three credit bureaus has denied me accuracy in reporting. This has resulted in me now having unstable and unreliable credit history. 

Further more I had an identity theft situation occur I provided proof of this to creditors directly as well as gave notice to all three bureaus. unfortunately they still have not resolved these inaccuracies. 

The dates and account creditors vary : XXXX 3 different accounts All three credit reports. Various balances. 
XXXX XX/XX/XXXX {$280.00} Possible Finance XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XX/XX/XXXX {$1700.00} I.C. XXXX XXXX XX/XX/XXXX {$6.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Never even explained why they placed on file. Just did and when I challenged it they removed the balance but left the account on my report. 
XXXX XXXX XXXX XXXX {$0.00} Various Inquires listed from dealerships Failing to notify me that they were running credit pulls and then allowing others to pull addition. Has left my inquire history unstable. My Credit is just all over the place due to horrible management by the 3 bureaus on validating these debts.

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 2018-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/XXXX I noticed a charge for {$19.00}, XXXX dollars and XXXX XXXX cents, on my credit card, posted on XX/XX/XXXX. It was from TransUnion.

In XX/XX/XXXX, I went to their website, www.transunion.com, to check my credit score. They propmpted me through some questionnaires, and they asked for my credit card number. I was under the impression that I may be charged a small fee for the credit check. However I was unknowingly roped into a costly credit monitoring service. TransUnion set their website up in such a way that you can not reasonably avoid monetary damages or deceptive practices.

I called TransUnion as soon as I noticed the charges on my bank statement. They refused to refund both charges, one from XX/XX/XXXX and another from XX/XX/XXXX. I fought with them on the phone for about 10 minutes, and was only able to get one charge refunded.

They use obvious deceptive practices, by using fine print well below an average scrolling point for most browsers and computer screens, it's even too low on mobile devices. The most important details were not listed in an up front and accessable way.

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 2019-06-25
Company: EQUIFAX, 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:
Dear CFPB I would like to put a complaint on the credit agencies and XXXX XXXX Bank. I also will put a complaint with the XXXX. I am questioning account number. Due to the fact I have sent several dispute letters to credit reporting agencies since this year XXXX and it comes back verified every single time. They are claiming that I owe { {$470.00} } to XXXX on my credit report. I have contacted first premier to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. I have even submitted a complaint through CFPB and the company has not replied. I have sent numerous letters to XXXX XXXX regarding an alleged debt that I owe via certified mail. I have requested validation that this is my debt or account and they have failed to provide me with any contract that I signed with them or with any contract with the original creditor bearing my handwritten signature. They are reporting inaccurate information to all 3 credit reporting agencies, therefore damaging my credit beyond repair. I have given them an ample amount of time to validate and correct this matter and I have not gotten any response to my letters. I ask these accounts to be removed from all three credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The creditor closed the account in XX/XX/XXXX for {$85.00} balance. They are still billing me the monthly payments and late fees since. Due now XXXX.. I opened up an account with XXXX, XXXX XXXX in XX/XX/XXXX to help rebuild my credit. I had a check that didn't clear in XX/XX/XXXX, and returned twice from my bank, in which XXXX XXXX closed my account. Balance then was {$85.00}. As of XX/XX/XXXX, I was charged an additional {$44.00} plus late fees, for not making the monthly payment. XX/XX/XXXX I was charged another {$44.00} plus late fees for not making the monthly payment, XX/XX/XXXX I was charged another {$44.00} plus late fees for not making the monthly payment. I'm being charged monthly payments on a closed account. Instead of just paying off the balance due. The balance is increasing. I only had a credit limit of {$200.00}, and when it was closed by them, the balance due was only {$85.00}. I'm very upset because at this rate, I will owe over {$700.00} on this account, and it's not open. I though that once an account is closed, all monthly charges stop. And, the {$85.00} balance that was due was all that I owed because the account was closed. XXXX XXXX is not doing that, they are incurring monthly charges on a closed account as if it was open. I feel this is illegal, and unethical. On XX/XX/XXXX, because my credit score is dropping I made a payment of {$150.00}, not because I was in agreement with the amount but because it's hurting my credit score every month. I need someone to resolve this immediately before this closed account balance reaches a XXXX dollars..

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 2020-10-09
Company: Experian Information Solutions Inc.
State: NJ
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 received 30 days late report on my Expirian credit bureau, the creditor XXXX   XXXX has recognized this mistake and issued letter explaining that there is no 30 days late on my account and sent that letter to all credit bureaus Expirian, XXXX  and XXXX XXXX, I have disputed this inaccurate report with all the credit bureaus stating my case of inaccurate information and providing original document i received from the creditor to confirm my statement. So far i received one respond from Expirian 4 weeks later stating that my account was 30 days late basically confirm the initial negative report, then i have disputed the negative outcome again uploading the original document from the creditor stating no late activities on my account, again 4 weeks later i received negative outcome from expirian and i still have the negative record on my credit. From XXXX  and XXXX  i never received any respond yet on this matter. I would appreciate very much if you can help me out with this issue because during the past 60 days number of creditors lowered my credit limits and my score dropped for more XXXX points also this effected my son 's credit score because he is also a cosigner on this lease with XXXX XXXX  his name is XXXX XXXX. 
Please help. 
Thank you 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 2018-11-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX The logo in the upper left corner of that webpage is EXPERIAN. 

That website reported a very brief online " credit report '' that was virtually nothing. The credit report had nothing on it. Being nothing except emptiness, they want to call it a " credit report ''. 

What was on it was weird variations of my name. My name is a first name and a last name. My own legal name was not the name on my credit report. I don't have other names that I use, whether social or legal or in another language. They had wrong last names and wrong first names, on my credit report. 

Experian has other people 's names on my credit report. Experian uses made-up variations of my name, on my credit report.

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 2021-07-07
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
THIS DEBT AMOUNT OF {$1200.00} IS INCORRECT, CREDIT LIMIT WAS {$700.00} AND WAS PAID, BUT THIS IS STILL SHOWING ON MY CREDIT REPORT CAUSING GREAT HARM TO MY CREDIT SCORE

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 2019-06-25
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:
Dear CFPB I would like to put a complaint on the credit agencies and XXXX XXXX XXXX. I also will put a complaint with the XXXX. I am questioning account number. Due to the fact I have sent several dispute letters to credit reporting agencies since this year XXXX and it comes back verified every single time. They are claiming that I owe { {$470.00} } to XXXX on my credit report. I have contacted first premier to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. I have even submitted a complaint through CFPB and the company has not replied. I have sent numerous letters to XXXX XXXX regarding an alleged debt that I owe via certified mail. I have requested validation that this is my debt or account and they have failed to provide me with any contract that I signed with them or with any contract with the original creditor bearing my handwritten signature. They are reporting inaccurate information to all 3 credit reporting agencies, therefore damaging my credit beyond repair. I have given them an ample amount of time to validate and correct this matter and I have not gotten any response to my letters. I ask these accounts to be removed from all three credit files.

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 2021-07-07
Company: EQUIFAX, 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:
On XX/XX/2021, I pulled my credit reports to check my scores. When I pulled my report I noticed fraudulent accounts and inquiries on my reports that I did NOT authorize or know anything about.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
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:
On XX/XX/XXXX, I asked all three credit bureaus to Verify the information that XXXX XXXX was reporting on my report, the account is almost 10 years old and should not be reporting anymore and they will not help me with this problem. I have contacted everyone and still no help. 

XXXX XXXX XXXX XXXX Account # XXXX Opened 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 2021-10-18
Company: SYNCHRONY FINANCIAL
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This just proves that XXXX Credit Bureau lacks proper record keeping. Now, this account is reporting to be 60 days late, yet it is closed and the balance is XXXX. Lets correct this immediately. The Bureau is required to verify for themselves but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of PAID. I tried contacting XXXX Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the late payment was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureau. There was definitely an error on their part. Remove this account 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 2018-03-17
Company: Riverwalk Financial Corporation
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received an alert from my credit report from that a new account was opened in my name but I've never heard of XXXX XXXX XXXX. They came up on.y credit report and I want to dispute and find out who and what this company is and why they are reporting to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: KEYCORP
State: WA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I believe on XX/XX/2020, I attempted to use my Unemployment Insurance Debit Card ( that I've been in possession of since XXXX ), to purchase grocery items, but for some strange reason, it would not accept my PIN ( that I'd been using for a while now ), and Locked me out of the account due to Excessive PIN Attempts. The only contact method to reach the Financial Institution is via telephone. Since XX/XX/2020, I've spent hours on hold, including attempts to call during the XXXX timeslots to see if contact is improved, but no contact. I do realize that current conditions pose a tremendous problems with this customer service type of an issue, but this Debit Card is the only financial resource that my family and I have. I've suffered some Septic issues and the County is threatening to place a Lien on our property unless we resolve the issue. Some of the funds that's currently available the Debit account was earmarked to help resolve the septic issue. My family and I are terrified by the inability of accessing these funds for our survival! Until I can gain access to this account and reset the PIN, each of my weekly unemployment benefits will continue to accrue on this Debit account without my access. Again, I do realize how busy some companies are, in this field, but my concern is how do my family and I survive without having access to this financial resource? I simply need help to regain access to what's mine, but have been unable to speak with any live person for assistance, including the fact that the bank 's Chat service is unavailable!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: ADP, LLC
State: WV
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
ADP XXXX CARD On XX/XX/2019 I noticed ( 2 ) two charges that were pending on my account. Both were {$200.00}. A total of {$400.00} was charged without my card and without my permission. I contacted the card service and made them aware of the charges while they were pending. I was told these charges needed to clear before any action could be taken. I phoned back after the two charges cleared and was again told I had to wait 10 days before filing a complaint. I waited the 10 days and filed the complaint. 
Still nothing has happened and the charges still stand. The card was stolen, used for {$400.00} without my permission.

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 2021-07-07
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a federally protected consumer and you have violated my consumer protection laws by stating I owe you a debt and sending my personal information to the consumer reporting agencies. 
Pursuant to 18 USC 8 After 1933, the government agreed to assume ALL liabilities that arise under transactions using your credit card ( social security card ).

Pursuant to 15 USC 1602 ( i ) Congress defines a credit card as ANY card, plate, coupon, book or other credit device existing for the purpose of obtaining money, property, labor, services on credit. 
When I entered into the consumer credit transaction with you, I extendedly credit using my credit card XXXX social ). Everything was supposed to come out of my OPEN END CREDIT PLAN which is coming from my social security account. 
Pursuant to 15 USC 1692e Congress states that a debt collector may not use any false, deceptive, or misleading representation or means in connection with he collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation.

( 2 ) the false representation of ( A ) the character amount, or legal status of any debt All the letters. and statements that you have sent me has been in a positive amount. How do I owe something that is positive? Its in a positive amount because it has already been paid by the United States pursuant to 18 USC 8. Thats false representation of the character amount or legal status of any debt.

I have been violated as a federally protected consumer and I demand that you XX/XX/XXXXout the balance and remove the account from all consumer reporting agencies IMMEDIATELY!! If you do comply I will hold you civily and criminaly liable for non compliance.

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 2022-06-26
Company: Experian Information Solutions Inc.
State: SC
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 Act, XXXXXXXX XXXX XXXXXXXX account number XXXX, XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX account number XXXX, XXXX Bank account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number 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 states a consumer reporting agency can not furnish an account without my written instructions.

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