BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-07
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX and i am filing this complaint against Experian XXXX and XXXX credit report agencies who failed to investigate a late payment that was reported by XXXX XXXX in XXXX, with the account # XXXX under the FCRA experian is required to verify all information received from creditor before that information is added to a consumer file. but experian failed to do so on my case since XXXX and never sent me in writing a prove of that late payment from XXXX and still continue to list that false late payment. this morning i check online on my credit report and i saw that same late payment listed, i already sent them a letter in the begining of XXXX to remove this information by certify mail but experian refused to remove it. i called and requested to speak to a manager and got hung up several time ehrn i said i will file a complaint against them with CFPB. Experian is using deceitful manner to run their business XXXX and XXXX did removed it after their received my letter. i called them to make sure it was deleted from my credit report and it was confirm by their representatives that it was done. at my biggest surprised they listed again because i told experian that representatives that XXXX  and XXXX removed that false information why they do not want to do the same. they are horrible companies that need to be closed down

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 2022-03-03
Company: ARVEST BANK GROUP, INC.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I contacted the Bank a couple of weeks ago in regards to some overdraft fees I had received. The first XXXX fee occured XX/XX/XXXX and the next occured on XX/XX/XXXX. During our conversation I asked if these could be refunded to the account, as I was in the middle of transitioning jobs and had mistakenly not accounted for all of the bills I had coming through. The agent I spoke with placed me on a brief hold and returned to say that I had already used my free refunds. I responded by saying that I have never had an overdraft fee for the life of this account, and asked how I could have already used a free refund? She essentially told me that a refund was not available for me. 

My complaint is this ; based on my conversation with the agent, I believe I was treated differently than other customers. As she indicated, they offer " free refunds '' to some customers, which begs the question, why am I not included in this group of customers? Is it because I live in a Low to moderate income neighborhood? Because I am not affluent?

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 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
As I reviewed my recent report, I have found a lot of erroneous information reporting on my TransUnion Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: ALLY FINANCIAL INC.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My complaint involves the business practices and Debt collection practices of Ally Financial. XX/XX/XXXX I was in a bad XXXX XXXX at work and was in the hospital with a XXXX XXXX and XXXX that required XXXX causing me to be out of work for a while. I notified Ally because I knew i was going to get behind on the {$970.00} that I paid on time for two years. So I called Ally Financial and spoke to a manager on a recored line and advised her of my situation and medical condition and I would be on XXXX for a while. The manager then told me yes you are a good customer and what would you like to do? I advised her that I did not know how I was going to pay the car not and would like to give it back, she was then like o.k. thats an option and we would take it back and you would have nothing due to us because we would sell it.I paid in excess of {$15000.00} dollars on a care that was worth only {$39000.00}. Now we we tricked into buying the car due to the XXXX that we purchased at XXXX XXXX in XXXX, Ga had about eight recalls and two of them were safety recalls, so with that being said they would not allow us to take our XXXX home and gave us trade options. So now that I no longer have the vehicle Ally Financial has taken the vehicle back voluntary, but before they had the car they called in excess of 6 to 8 times a week in a harassing nature. I had to send them letters and ask them to stop calling and they did not. After sending several letters and seeing this on my credit report as negative they continue to harass me by adding XXXX dollars to the balance that I do not owe because they sold the vehicle and want to still come after me although the aforementioned Agent told me they would not. I sent them letters and they ignored several times and the last one I sent on XX/XX/XXXX I received no response until XX/XX/XXXX which was past 30 days. Now they are saying they cant find the conversation or any letters I sent and I have all copies I find this as corporate bullying and misrepresentation.

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 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$960.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$390.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-11
Company: SYNCHRONY FINANCIAL
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX XXXX, XXXX, Georgia has recently changed the functionality of the website used for the TJ Maxx Rewards Visa Credit Card. This morning I went online to pay my bill and discovered that the redesign of the site has made it exceedingly difficult to pay the statement balance that is currently due. 

Instead of displaying the statement balance ; the minimum payment due ; the current balance ; and the available balance, the prominent information consists only of the the last three items ( plus available cash advance value ). The consumer should be able to easily discern, as it was up until now, what the actual statement balance due is, and not be misled into paying more than is technically due on the due date. 

Although XXXX XXXX XXXX design team may believe they improved the user experience by using bigger fonts and adding more negative space to the screen, they have in reality made important information less visible and retrievable only through the use of added clicks which are not so apparent to the average user. 

They need to use more average consumer focus groups when redesigning the tools on the website. I fear the average user will unnecessarily pay more than the balance due amount on the statement because the site now esentially buries that amount. Thank goodness I still get paper statements because even viewing the most recent paper statement was challenging.

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 2017-11-11
Company: EQUIFAX, INC.
State: PA
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:
WRONG PHONE NUMBERS I have only 2 numbers XXXX XXXX XXXX XXXX no other numbers or cell or home phone numbers in my name all these other number on file do n't belong to me and I want proof from the credit bureaus of such phone numbers in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Im not trying to provide a sob story but over the last past year I have been unable to gain housing due to this account. Today ( XX/XX/XXXX ) I talked to a Procollet Rep and I felt as if I was being bullied into making a payment. If I cant make a payment of {$890.00} on XX/XX/XXXX how can you expect me to make a payment of {$17000.00} on XX/XX/XXXX or XX/XX/XXXX? Overall Procollect today ( XX/XX/XXXX ) has basically refused to give me a payment arrangement therefore Procollect is refusing payment I wanted to make towards the account today. The Procollet Rep didnt try to provide and help or resources and basically didnt care, he just wanted a payment in full! 
I called Procollect on XX/XX/XXXX at XXXX regarding an outstanding account. I talked to XXXX XXXX and explained to him that on XX/XX/XXXX I was to pay a settlement offer ( {$890.00} ) which was, and courtesy offer they were offering for 30 days, that was half of my outstanding balance. What was explained to me that if the balance ( the settlement offer ) was not paid in full it would revert to the outstanding balance ( {$1700.00} ). However, due to illness ( XXXX ) I was unable to work, and I was calling to make a pay arrangement and make my first payment for the account. XXXX XXXX stated that he would cancel the XX/XX/XXXX payment because it would not go thru and then asked how would I like to pay the full payment of {$1700.00} today. I again stated to XXXX XXXX that, Im calling to make payment arrangements., XXXX XXXX replied, that Im refusing to pay. I asked XXXX XXXX how am I refusing to pay if Im calling to make payment arrangements? XXXX XXXX stated that I had no pay arrangement options and full payment is due now or by XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
My id was copied and used to take money from my bank, open cards in my name, license was also used to register someones car with out permission, and social security number was compromised ; and also used at the bank, phone was hacked as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
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: Information belongs to someone else

Complaint:
Hi, I am very depressed from the fact that I have fake accounts in my profile. 

Could you please investigate this situation and after you check please remove these items because they are not mine and obviously its error in reporting! Remove them ASAP Items are : XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: EQUIFAX, INC.
State: TX
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 called all 3 credit bureaus and was told to send in all my documents to sow that i had fraud committed against me.So i sent everything in and i still see the accounts on my credit I then call the documents in a 2nd time to make sure they have receive them I was told them and was going to have accounts remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03
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: Their investigation did not fix an error on your report

Complaint:
Car was deemed as a total loss and paid off by insurance and gap insurance

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 2017-11-11
Company: Experian Information Solutions Inc.
State: TX
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:
To Whom It May Concern : I have contacted Experian consumer dispute department and fraud department several times by phone, via email and through certified mail notifying them I am a victim of Identity Theft and that there are items on my report that were fraudulently opened and not belonging to me. I have sent the Experian Identity Theft Affidavits, Police Reports and Military records establishing my position in XXXX, XXXX at the time of these fraudulent accounts being opened as well. After submitting substantial information to prove these accounts are fraudulent, Experian continues to refuse to investigate and remove these account from my credit report. 

Each time, Experian has sent me a computed generated response that states : " IF THIS ACCOUNT WAS OPENED AS A RESULT OF IDENTITY THEFT, THE CREDIT GRANTOR MAY NOT KNOW HOW TO CONTACT YOU TO DISCUSS THIS MATTER, THE CREDIT GRANTOR REQUEST THAT YOU CONTACT THEM DIRECTLY. '' However, I have contacted the creditor grantor directly and the creditor grantor is stating that they never told Experian they request I contact them directly and this is a computer generated message by Experian. 

The below accounts were fraudulently opened. They are INACURATE on my  credit report and I have disputed these accounts with the credit grantor prior to contacting Experian and your office. I want these FRAUDULENT accounts removed from my credit report. 

XXXX XXXX Partial Account Number XXXX {$2100.00} OPENED XX/XX/XXXX XXXX XXXX Partial Account Number XXXX {$660.00} OPENED XX/XX/XXXX XXXX XXXX Partial Account Number XXXX OPENED XX/XX/XXXX ADDRESSES : Address Identification # : XXXX XXXX CONSUMER DISPUTE : This is not my address and I have never physically lived or worked at this address. 

Address Identification # : XXXX CONSUMER DISPUTE : This is not my address and I have never physically lived or worked at this address. 

Thank you.

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 2017-11-11
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I sent a multiple inquiries removal letters to Equifax via Certified fax and USPS after viewing my credit report I notice that I had multiple and didnt private inquiries from XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, screening Reports, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, EXXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX  several of these are duplicates. I also attempted to contact them via phone and filed disputes regarding unrecognized XXXX plus Hard Inquiries and some are duplicates on my credit file and ive asked to have these deleted considering they are affecting my credit ratings. I asked how can I have these processed with having a credit freeze and fraud alert on my Equifax credit file with no clear explanation. On XX/XX/XXXX Equifax completes the re-investigation stating that the unknown Inquiries are factual. Ive asked them to please send proof of the factual information they stated they received as on today XX/XX/XXXX I havent received the information I received a copy of my credit report again. I verified my name and addresses which are listed incorrectly and I have disputed this multiple times as well which is the reason Ive have a freeze and fraud alert. Please see the attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
yes I contacted portifolio recovery by phone and fax requested proof that they validate this false dept with XXXX XXXX they stated they would they never did

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
Recognize a few inquiries on my TransUnion Recognize a few inquiries on my TransUnion XXXX and XXXX report that I have not authorized. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TRANSUNUON INQURIES XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: WELLS FARGO & COMPANY
State: UT
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 have worked very hard to never have a late payment towards my creditors. Upon refinancing my home, I made arrangements to pay off my XXXX card. The payment was due on XXXX title company cut check to XXXX on XX/XX/25 and it was sent immediately. By the time XXXX processed the check it registered as past due 30 days. I have had perfect payment history with ALL of my creditors up until this entry

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 2017-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I applied for a capital one secured credit card a.d was approved. I did n't have enough money at the moment of approval so I was unable to follow through. Hours later I apply for a credit line again for I had enough to open the line. I was denied this time around and was given a mark on my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: CL Holdings LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
When I was XXXX ( roughly XXXX years ago ) I opened a {$500.00} limit credit card with XXXX XXXX. I did not close out the account. The debt was sold to a debt acquisition company and sold again to a similar company ( Jefferson Capital Systems LLC ). This company waited until XXXX to enter the judgment against me and used " gutter service '' tactics so I had no idea I was being sued and I had no idea that court date was taking place and I was unable to represent myself. When the judgment was entered in XXXX of XXXX the debt had increased from the original {$500.00} amount credited to {$4500.00}. Jefferson Capital Systems LLC then waited until XXXX of XXXX to begin garnishing my wages. In the four years that passed ( XXXX ) the debt sky rocketed to an unrecognizable amount of {$10000.00}. Yes, a {$500.00} limit credit card turned into a {$10000.00} debt that continues to grow because it still collects interest. I am a single father that works 40+ hours a week and I am XXXX XXXX to try and move vertically in my company to create a better life for my child. I 've already paid over {$7000.00} via garnishment and I still have over {$6000.00} more to pay. This is obnoxious and unreasonable and unfair practices. I have been trying to defend myself but all my motions have been denied. My latest motion cited the federal trade commission to see copies of the original credit agreement and the documents I need to confirm the principal amount and confirm the debt amount was denied. Is there anything I can do to seek justice or will I continue to have the life sucked out of me for a debt that has been paid off 10 fold already?

Company response to consumer: Closed with explanation