BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-26
Company: FAIR COLLECTIONS & OUTSOURCING, 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: Account information incorrect

Complaint:
I requested documentation from Fair Collections and Outsourcing regarding a debt that they are alleging that I owe and have placed on my credit. After careful examination of the documentation that they provided and the information that they are actually reporting to all 3 credit bureaus. I have found that they are reporting false and inaccurate information. The open date on the account is incorrect. They have listed the open date for the account as XXXX XXXX, 2012 yet they just added this to my credit report a few months ago. It is my understanding that no entity has the right to retain, report, transfer, sell utilize or else wise any outdated, untrue, inaccurate, physically unverifiable, fraudulent, misreported and or any non compliant allegations. I have documentation of all 3 reports with this inaccurate date being reported.

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 2022-03-30
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: Was not notified of investigation status or results

Complaint:
In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : XXXX XXXX XXXX  / XXXX / {$0.00}

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 2022-07-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XXXX/XXXX/XXXX I was rear ended pulling into work, my XXXX XXXX XXXX was totaled. I paid my first payment that morning before heading into work. My loan was paid off except for XXXX which I had rolled a XXXX XXXX XXXX over into this XXXX loan. I dont know how billing works but in XXXX I was credited XXXX to my payments. I called in XXXX and asked who made this deposit into my account, the man I spoke with said he didnt know that he thought it was the insurance company. Statements show my next payment was not due until XXXX/XXXX/XXXX in the amount of XXXX. Fast forward to XXXX XXXX and I get a phone call saying I am XXXX months behind and when I asked how they explained that the insurance department made a mistake. The XXXX that they applied was my warranty refund onto my payments and they had to fix it on XXXX XXXX when they caught the mistake they allocated it back to my warranty on the loan. So they said that makes me due for XXXX, XXXX, XXXX, XXXX, XXXX and now XXXX which is when I was told my first payment would originally be due. When I asked for a manager I got XXXX XXXX he said that he can not make any changes on his end but for me to ask the insurance department for a Payment Allocation to be done, he transferred me to the Insurance Department on Santanders end, I got XXXX the manager in the insurance department he stated that it was a mistake but nothing can be allocated anymore and I must make these payments as soon as possible. I asked how I am liable for a mistake they made and why cant my loan be extended then to fix their mistake. I was told nothing can be done and I must still come up with the money. On XXXX/XXXX/XXXX or XXXX/XXXX/XXXX I spoke with another XXXX named XXXX at XXXX, he saw my frustration and said he will escalate my case higher up because that seemed wrong to him as well. On XXXX/XXXX/XXXX at XXXX am XXXX XXXX from the XXXX office called to speak with me, he said they can get rid of all my late fees for me but they will not extend my loan and add the payments to the end of the loan, and they will not allocate the warranty payment back to the principal for me. My internet access was cut off on me and when I called the president office back they said that when a loan is changed from my main loan to this totaled loan that they get rid of internet access for us. Why then does my latest statement from them ask me to go online and update my number and update a work number. They are being very sneaky and not letting me have access to my statements. I have a statement from XXXX/XXXX/XXXX showing I am not due until XXXX XXXX and now a statement from XXXX XXXX showing I am delinquent and over XXXX days late now. I cant have this hurting my credit because of a mistake made by Santander.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-29
Company: Convergent Resources, 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:
The information shown says one name and my name is different from that. Me and my dad have the same name but I 'm the XXXX and that 's not what is shown.

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 2017-10-29
Company: Brock & Scott, PLLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Please be advised, Brock & Scott , PLLC has violated the Fair Debt Collection Practice Act, and as a result I have suffered tremendously. In the process of refinancing my home, an account from Brock & Scott , PLLC was presented to me as the reason for my refinancing loan being denied. Prior to XXXX 2017 I have never received correspondence from Brock & Scott , PLLC. Brock & Scott , PLLC claims that I owe {$11000.00}, in addition Brock & Scot, PLLC claims that there was a lien placed on my home due to a financial relationship I held with their client XXXX Bank. 
The first violation Brock & Scott , PLLC committed was failing to contact me providing initial correspondence of this debt. Brock & Scott , PLLC failed to notify me of this debt. Brock & Scott , PLLC did not offer me an opportunity to dispute, validate, or litigate in this matter. 

In addition this debt and account violated the statue of limitation, and all records associated with this debt which can impact financial matters should be dissolved. 

In addition Brock & Scott , PLLC is attempting to collect on a debt and fluctuating the amount of the debt by adding interest to the amount they claim I owe. 

Furthermore, any financial relationship I held with XXXX Bank, was discharged in bankruptcy prior to Brock & Scott , PLLC litigation in this matter. Brock & Scott , PLLC has caused me to suffer deeply for their negligence. I am currently in the process of trying to improve my home and other aspect of my life, yet Brock & Scott , PLLC has not only violated federal law, but they have cause pain, suffering, and financial difficulty due to their egregious actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
State: PA
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 was taking Advantage of due to malpractice, while several laws were being broken under the FCRA by your company. This has caused me financial injury, this has caused me defamation of character, I cant get a job, I couldnt close on a deal, that caused a financial impact. Under this crisis, you have hurt my ability to obtain credit.

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 2019-06-28
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:
My credit file show a credit card for first premier that I am Aware of or have

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 2019-06-28
Company: WELLS FARGO & COMPANY
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XXXX of 2018, Wells Fargo sold my loan to XXXX XXXX XXXX. When they sold my loan, they increased my mortgage maturation date to XXXX from XXXX - which was the original maturation date. I called Wells Fargo, they said they no longer had my files and could not change anything regarding the file. I called XXXX XXXX XXXX they could confirm that the maturation date had been changed however they say they can't address anything regarding my file before it came to them.

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 2020-12-18
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:
I am bringing this complaint forward as I have contacted this credit bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. 
The accounts are listed here below : 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 2021-11-08
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2016, I updated my mailing address ( which was previously a po box ) to my current residence/mailing address. At that time, I opted out of online statements and contacted Barclay to update my address so I could continue receiving my credit card statements timely at my current mailing address. Unbeknownst to me, my address was not updated correctly by the customer service representative who assisted me which resulted in one missed payments ( two dings on my credit report 1-30 day and 1-60 day ) before I was able to correct the issue and bring the balance currently. Please note that my account was paid timely and in good standing with XXXX missed payments before Barclay 's made this error and has remained in good standing to date. Barclay refuses to remove the late payments despite it being their fault that the account was not updated with the correct address upon my request, despite various disputes over the years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: AMERICAN EXPRESS COMPANY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This is my third report towards AMEX. When my account was first opened in XXXX, 2016, I was uninformed that the card was a pay in full at the end of each month. This unintentional error caused my account to be closed. I immediately attempted to resolve the debt and made a payment arrangement. When the payment arrangement was handled, I called back to update the arrangement and pay a payment sooner. After this payment was made, another unauthorized payment was made. This unauthorized payment resulted in 8 months of XXXX and XXXX as I attempted to collect my money back. I made 2 CFPB complaints. The first was resolved stating that AMEX refunded my money. They never did even though I was told on three separate occasions via telephone that a check was being sent. The second CFPB complaint finally resolved the issue. I was issued a refund check 7 months after the initial unauthorized payment. I paid my account in full and now I need to have my credit report fixed to show that no late payments were made, as AMEX refused to help during the time they held my money without authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
State: IL
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 1.XXXX XXXX XXXX Acct # XXXX -has violated my rights 2. XXXX XXXX acct # XXXX -has violated my rights 3.XXXX XXXX XXXX acct # XXXX -has violated my rights 4.XXXX XXXX XXXX act # 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 consent.

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 2021-05-12
Company: AMERICAN HONDA FINANCE CORP
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:
Credirt report is reporting inacurate information on my credit report. It is reporting a Honda  XXXX Finance Account both late and charge off. 
The account was closed and has a XXXX balance. 
Complaints sent regarding this to Experian. 
XX/XX/XXXX letter sent XXXX complaint XX/XX/XXXX XXXX complaint XX/XX/XXXX complaint case XXXX Fax sent to XXXX XX/XX/XXXX XXXX has refused to cooperate and fix the error I need this to be delete and updated from my file for failure to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 send Transunion several letters requesting they make justifiable corrections or removals of unverified or invalid allegations of account information to meet federal reporting standards of completeness of the current reporting status, timeliness, truth, accuracy and compliance else wise of every single one even each any and or of the aspects of alleged account information documentary to be proven mine do to future enhance your adequate and mandated compliance to proper and fair reporting. After reviewing my credit report I found a number of items on the report inaccurate and they have failed to correct it. I send about several letters the last one was send certified tracking number XXXX. They have failed to send me copies of the documents that they have in their file as of this date that was used to verify the accuracy of the following late payment that is currently being reported on my credit report with the XXXX. I Also Reporting inaccurate addresses that I currently DO NOT reside at in which I called several months ago requesting for them to remove from my credit report in which they are still reporting the following that needs to be removed XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. As well as a couple of employers XXXX XXXX and XXXX XXXX XXXX. Also a few inquiries that I did not authorize. XXXX. XXXX XXXX XXXX/XXXX/XXXX. XXXX. XXXX XXXX. I contacted the original creditor as suggested and have disputed these items but transunion is still reporting these unproven to be authorized alleged inquiries.

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 2022-03-30
Company: Experian Information Solutions Inc.
State: SC
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:
Fraudulent activity on my Experian consumer 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 2022-03-30
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Contacted American Express at XXXX. 

Reprenestive stated that the card was no longer valid and the funds have been turned over to the state and were told to check there was nothing they can do. 

Here 's the deal, it is a gift card where did they send the funds since there is no information given as to the address when purchased? 

I checked my state, nothing, and no way to check a gift card for unclaimed funds if there is no name or address. 

There is nothing on the card itself that explains that you have to use the card right away or that they will discharge the funds even though the card has an expiration date of XX/XX/24. 

THIS IS A SCAM.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: FIRST NATIONAL BANK OF OMAHA
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have an exceptional payment history with all my accounts. XXXX, I am using a lot of my credit in order to survive due to Covid-19. 

Suddenly and without warning First National Bank of Omaha closed my account, causing my credit score to drop by over 30 points as due to this I am at 121 % of my credit usage. 

This will now cause a cascading effect and I am sure other banks will close my accounts. 

During this time of the pandemic people use their credit cards as a lifeline to buy food and pay utilities. When a card closes your account like this, in times like these it can cause hunger, evictions and bankruptcies.

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 2021-05-12
Company: EQUIFAX, 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:
ive tried to deal with the credit bureaus on these matters in several occasions there is fraudulent info on my report and im going to sue due to no other recourse

Company response to consumer: Closed with explanation