BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
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: Information belongs to someone else

Complaint:
I have sent in multiple disputes to remove this inaccurate information off my credit report. Every time I send a dispute to Experian I get no response and they refuse to investigate. This account with XXXX XXXX XXXX Account Number : XXXX is not an accurate account. I have had the same XXXX account for years and have never changed accounts. The previous collection company this account was sold to was removed off my credit report for being inaccurate and then this account was sold to XXXXXXXX XXXX XXXXXXXX. This issue has caused me a great deal of stress and XXXX  because its stopping me from purchasing my first home and get what I need in order to provide for my family.

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 2023-02-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Establishing Stop Payments and Paid the fees for Stopped Payments, only to have the Bank not stop the payments, causing my account to show negative balances for almost a complete month sometimes. When addressing the issue with the Wells Fargo bank, I am continually patronized and the dispute ignored... sometimes a claim is filed... sometimes a temporary credit is issued then the same temporary credit is reversed without notice weeks later. I have also been told to use small claims court. I have always given proof of Merchant errors, as well as Wells Fargo Errors. Wells Fargo has collected funds from the merchant and from me at the same time during the same disputed transaction. I HAVE PROOF. This is currently happening, and on several occasions in the past. The correction is not recognizable in the transaction history of my accounts, but all of a sudden my balance is more or less than expected, and I do have emails to show the errors, though my accounts do not show them. The amounts vary from {$0.00} - {$1000.00}.

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 2022-10-03
Company: EQUIFAX, 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:
Please promptly remove the phone number XXXX as they are not deliverable to me by the XXXX XXXX XXXX XXXX and they are not reportable as per the FCRA, since they are inaccurate Therefore, they must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any of the following items on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here are the following items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXXXXXX XXXX  XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$830.00} ; XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} ; XXXX XXXXXXXX Balance : {$460.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$830.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$380.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$390.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXXXX/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 2021-05-21
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
On XX/XX/XXXX we returned the car at the local dealership. They told us to just leave the keys at the front desk and they would send the release of liability. This took about a week to get after several back and forth communications but we did get it. At this point we thought everything was done. 

About a week or two after that we received a letter dated XX/XX/XXXX. This letter stated that we owed {$2100.00}. 

I called in late XXXX or early XXXX, I don't recall the exact date. After calling the number they explained that they do an inspection after we drop off the vehicle and found that there was damage to the car, we were missing a charging cable, and there were additional fees. 

In good faith I paid the {$400.00} " Turn in fee '' as supposedly it was in the contract. I also paid the {$.00} " unpaid lease payments '' as it minimal and not worth disputing. 

I was told if I disputed any of the charges I have to mail in a letter explaining my issues. I chose to do this certified and sent the letter on XX/XX/XXXX. The letter was received XX/XX/XXXX, XXXX XXXX. 

I disputed the {$250.00} in damages as I have pictures from the day of turn in at the dealership showing no damage. I also disputed the charging cable as they didn't even inspect the compartment under the trunk floor where we kept it, this was in the pictures from there inspection. I have no way to prove that I had it in the car at drop off since they accepted the vehicle as is and the charging cable can be easily removed, lost or, stolen. 

While waiting for a response Kia financial called my wife, threatening again to damage our credit even though we have no response based on the dispute letter. Since the only options for dispute they gave us we followed quickly, we have no recourse. 

Because we value our credit, we have now sent in a replacement charging cable. This was sent on XX/XX/XXXX and was " Delivery attempted - no access to delivery location '' on XX/XX/XXXX. This cost us {$44.00} for shipping and is valued at {$1500.00} per Kia Finance. 

We still have not heard back regarding our dispute letter. The electronic version of this letter is included as a word attachment to this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX Validate Account XXXX XXXX Account Number : XXXX Please remove it from 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 non-monetary relief
Consumer complaint received 2020-04-19
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I DID NOT CHARGE ON MY CREDIT CARD.I 'M DISPUTING THE WHOLE BALANCE {$3100.00}

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 2019-08-20
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have called the company and asked when the bills are sent out, they state they send them down “to get mailed out” on the XX/XX/XXXX and the bill is due on the XX/XX/XXXXthe following month. This doesnt pass through my mail station u till the XX/XX/XXXX or XX/XX/XXXX. Mind you they know it takes “7-14” days for it to be delivered to a clients house. They say they allow 24 days for the payment cycle, yet in reality i only have about from  the XX/XX/XXXX to the XX/XX/XXXX of the following month which is roughly a total of 17 days. I put the payment in the say i put the mailbox in the mailbox on the XX/XX/XXXX and they dont receive it before the XX/XX/XXXX they are claiming it as a late and charging me $XXXX plus interest. According to the credit card act i have looked up on line they must give you a minimum of 21 days to pay the bill. All my mail gets scanned at the local post office before it reaches my door so i have at least 2 pictures to prove that the bill doesnt reach my house until those dates and it seams like they are aware of this and it may be happening to other

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 2020-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 submitted a dispute to all 3 credit bureaus ( XXXX, TransUnion and XXXX  ) on XX/XX/2020 via USPS certified mail. Per Federal Law ( Fair Credit Report Act ) the credit reporting agencies are required to complete a full re-investigation within 30-45 days. Unfortunately, as of today I still have not received any responses from XXXX  or TransUnion credit agencies. I did receive a response from XXXX  but they did not resolve all of my issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX I was notified that a collection had been placed on my file which already has a Fraud alert. Police report and Notarized affidavit on file. I immediately contacted experian and filed a fraud dispute because of the information already present in their records. On XX/XX/2021 a Sunday. I received an automated message that my dispute had been validated by the company. I submitted a 2nd dispute and on Monday I contacted Experian for further information. I was given the run around. I was told that I didn't have the accurate information. No one wanted to tell me what I needed. 7 calls later and over 5 hours on the phone I still had no resolve ... I was told another police report and affidavit from the FTC was needed. I provided that on XX/XX/XXXX, and again on XX/XX/XXXX. Today, I spoke to someone and now I am being told that they want a Government issued ID along with my SS card. I have several issues with this. According to the dept. of justice I am not obligated to provide that information, In addition, Why would i provide that to the credit agency that will then share the information with the creditor that already stated " any information obtained with be used for the purpose of collecting a debt '' I do not owe a debt to XXXX XXXX XXXX. Experian has not attempted to resolve this amicably and seems to be working on the behalf of the collection agency and not a a fair and just party in this situation, This account has been disputed multiple times and and they also alter the statement that I wish to have on my credit file. My statement should indicate that I have disputed as FRAUD and not that I disagree with their findings. If they truly were investigating they would know that this is not my account and I did not authorize anyone to use my information for gain and to destroy my 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 explanation
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # 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 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 2021-04-29
Company: United Consumer Finance, Inc.
State: MA
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:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-10
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: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or Creditors customer service representative.

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 2022-07-14
Company: Viking Client Services
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I'm disputing unjustified inflated rental charges imposed by XXXX Car Rental following vandalism of rental vehicle. I booked/reserved XXXX rXXXX  XXXX XXXX XXXX XXXX XXXX contracted rate of {$510.00} to attend a funeral in XXXX XXXX XXXX Vehicle was picked up at XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX for rental period XXXX. When not in use, vehicle was parked at curb in a residential neighborhood ( relative residence ). On XX/XX/XXXX ( approx. XXXX XXXX. ) I discovered vehicle had been vandalized when I attempted to move vehicle. Driver 's door lock was drilled out and something was jammed in the ignition not allowing me to insert key. Vehicle was not drivable. I immediately contacted XXXX Customer Service to report vandalism, was transferred to XXXX and XXXX and filed an incident report. Was informed vehicle would be towed to XXXX, that I needed to provide access to vehicle for towing company and XXXX would be contacting me. I was also guaranteed transport to the airport to catch my noon flight. Transport was never provided. Had to contact XXXX ride-share at my expense. Towing company contacted me at XXXX p.m. ( when I landed in XXXX ) to advise they were on site and towing damaged vehicle to XXXX XXXX XXXX as directed by Dispatch. I also filed a claim with XXXX XXXX XXXX as I have a premium rental car protection policy. Since this incident, XXXX has attempted to charge and collect unjustified charges for what they allege are XXXX additional rental days the vehicle was in my possession until I returned it to XXXX. This is untrue. The towing company XXXX XXXX XXXX XXXX XXXX ) has verified that the vehicle was returned to XXXX on XX/XX/XXXX the date rental was due. The towing company stated that once XXXX XXXX is notified and an incident ID is issued, the rental agreement is considered CLOSED. XXXX has turned me over to a collection agency, Viking Client Services LLC who are attempting to collect {$2100.00} for the rental ( {$510.00} rental fee plus {$1600.00} alleged additional days ). As documented on XXXX XXXX Rental Agreement, the correct/contracted amount of the rental amount is {$510.00}, which I am willing to pay without dispute. However, Viking agents are ignoring the facts and refusing to accept this amount and want to settle the debt for {$1000.00}, which is unjustified. I have done due diligence by complying with returning the vehicle as directed. I've spent numerous hours of frustration and stress attempting to communicate with XXXX Customer Service, and Viking without success. XXXX has also placed me on a " Do Not Rent '' list. XXXX XXXX XXXX has also tried to advocate on my behalf. I am a XXXX on a fixed income and wish to end this harrowing experience as soon as possible. I have documentation to substantiate my claim.

Company response to consumer: Closed with explanation