BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-26
Company: Experian Information Solutions Inc.
State: AR
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:
I've filed several disputes about my name with Experian, my name is listed as XXXX XXXX XXXX or XXXX XXXX, and I've stated several times that l don't have or ever had a middle name or middle initial, they also have my name as XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, I've sent them my driver 's license, military id, they still refuse to delete the names with the middle initials

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 2023-11-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

XXXX XX/XX/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 XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. 
The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2023 XXXX XXXX XXXX XXXX  XXXX Balance : {$1800.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Chime is the absolute worst as they have denied my claims at the last minute of issuance of provisional credit multiple times even though they have plenty of evidence to charge back the merchant. This is over $ XXXX and they do not care one bit. I am at a total loss and this fake bank needs to be out of business as they have the worst service and are a fraudulent organization

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: In progress
Consumer complaint received 2023-09-04
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt Buyer : NCB MANAGEMENT SERVICE Balance : {$8300.00} Date Opened : XX/XX/2018 Account type : Debt Buyer I do not have a contract with NCB MANAGEMENT SERVICE, They did not provide me with the original contact as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, my online banking, debit card, and checking account were compromised. I spoke to Wells Fargo in XX/XX/XXXX and was told that my online banking, debit card and checking account would be frozen. On XX/XX/XXXX, a fraudulent transfer of {$1900.00} was made from my credit card ending in XXXX to my checking account. {$700.00} of this money was fraudulently withdrawn from my checking account. Once I was made aware of this fraudulent transfer and withdrawal, I contacted Wells Fargo to file another claim for my credit card. My claim was denied by credit card claims because they stated since the {$700.00} was withdrawn from my checking account, I would have to file a claim with the checking department. I was transferred to the checking department and spoke with XXXX who stated I would need to speak with the debit card department and assured me that I would be transferred to the correct department. I then spoke with XXXX who was extremely rude and stated that she needed to double check something. When asked what she needed to check, she falsely stated that she could not tell me what she was checking for my own privacy. I asked to speak to a supervisor and after placing me on hold for 5 minutes, she stated that a supervisor would not be able to speak to me. XXXX then stated that she would have to transfer me to credit card claims. I reiterated that I had already spoken to credit card claims who transferred me to checking who then transferred me to debit card claims. I asked XXXX how the funds were withdraw from the account in an attempt to clarify why I was transferred to debit cards and she refused to answer my question. XXXX then went silent on the call and would not speak and I subsequently hung up after not hearing from her for several minutes. I would like assistance with recovering these funds without getting bounced around as I have been.

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 2018-03-12
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
We have tried to contact Experian numerous times to cancel. They claim that you can cancel at any time and when you call in the wait time is 2-4 hours. In the meantime, we keep getting charged XXXX for both me and my wife! Help us please!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-09-03
Company: Sensible Auto Lending, LLC
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Sensible Auto Lending Accont had been sold. In which I didnt sign contract with new lender. 
XXXX XXXX XXXX took me to court in which I was awarded judgement. 

I sent court order to credit bureaus and requested deletion of account from reports. Instead my request was not honored and is going against consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
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:
My request for the correction and removal of the inaccurate information about my accounts has been diligently neglected by the 3 Credit Bureaus. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, they have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below is the account that still reporting on my account : XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$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 2022-09-26
Company: Debt Recovery Solutions, LLC
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not mine I was not in the state of XXXX  XXXX XX/XX/XXXX. I was in XXXXI have no knowledge of this. Also I have no job, since XX/XX/XXXX. So how could I get a pay day loan. For XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have called this customer service line at least 10 times. I have been trying to use this ( {$50.00} USD ) gift card for a year, and it will not work. It is declined every time. 
I have called multiple numbers, been told the card would start working if I waited 24 hours, now the menus have changed and I can't even get an agent, it just hangs up on me. I asked to have them send me a check and they refused. This company is an outright scam ( amexgiftcard.com ) and they are basically stealing money by making the cards impossible to use.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-30
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$22000.00} XXXX XXXX  XXXX XXXX XXXX : {$22000.00} XXXX XXXX XXXXE XXXX Balance : 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 2023-11-29
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I filed a FTC Report because I found fraudulant items on my credit report, nobody has yet to help me get them removed.

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 2022-09-26
Company: SANTANDER HOLDINGS USA, 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: Account information incorrect

Complaint:
Information is incorrect and not accurate at all. I was incarcerated thru this process and would like to be updated and deleted please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage Corporation has purchased my 15 year FHA mortgage with in the last year. I received notice in XXXX that my mandatory flood insurance was going to expire on XX/XX/22 and the mortgage company had not paid the renewal from my escrow account. I contacted Freedom Mortgage through their message center online on XX/XX/22 and XX/XX/22. They replied on XX/XX/22 saying that they were preparing the escrow account for payment of renewal. I got a letter on XX/XX/22 saying that they will not accept my flood policy because it was private flood insurance. I called on XX/XX/22 to try and resolve this issue and let them know that it is unacceptable to give only one day notice. Also that they should not have bought a mortgage that they did not accept the terms that were agreed upon when I got the mortgage. The coverage i had was about {$1100.00} a year. Equal coverage that they accept was over {$5000.00} a year. I had to get the absolute least amount of coverage with the highest deductible allowed to be able to afford it. My deductible went from {$2500.00} to {$10000.00}. I asked customer service, the insurance department, and the mortgage department to please Email me all of the documents they have on my file and explain how this was legal. I have not gotten a response.

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 2023-09-28
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In XXXX of 2023, after reviewing my credit report due to identity theft with a fraudulent XXXX XXXX XXXX account, I discovered a XXXX XXXX credit card under my name with an outstanding balance of over {$3000.00}. I called XXXX XXXX to request information about the account and they gave me no information. I started a fraud investigation with XXXX  XXXX and they closed the account. I also added a fraud alert to my credit report and filed a police report. XXXX XXXXXXXX denied the fraudulent account investigation and reported my bill as past due. They would not give me any information as to why they denied the investigation. I disputed the results, and later received a form letter stating they denied the account was fraudulent again. XXXX XXXX then sent me a bill for a past due balance but has not previously sent me any other bills or statements. I will not pay a bill if I do not know what the charges are for and they refuse to send me a statement. I called and they would give me no more information. I started a dispute via Experian. This account is fraudulent, I did not apply for or authorize the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm disappointed by your claims & am rejecting on the basis that you lack any material fact to support your claim... Please DISPUTE THESE ACCOUNTS! Or I will be seeking a legal remedy from you. Frustration, distress, annoyance, and outright anger. These emotions stem from the painstakingly slow response and the repeated denial of my identity theft claim by your bureau. Let 's be clear ; this situation is nothing short of a nightmare. I've been grappling with unauthorized accounts and transactions, and the toll it has taken on my financial well-being and peace of mind is immeasurable. The emotional rollercoaster I've endured is beyond distressing. I expect a written acknowledgment of this dispute letter and a clear commitment to investigate my identity theft claim promptly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX. Please delete these accounts immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: ALLY FINANCIAL INC.
State: PA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with fees or penalties

Complaint:
I had a 5 year CD at Ally Bank that matured on XX/XX/XXXX. I did not want or agree to have this CD renewed. Ally Bank automatically renewed this CD for another 5 years through XXXX so they have locked up my money instead of transferring it to my savings account. Ally Bank wants to charge me a {$150.00} fee to get my money from the CD maturity transferred to my savings account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Today I saw a bunch of emails saying that my credit lowered and a card opened in my name from capitol one. I did not open the card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i sent transunion a letter disputing the accuracy and completeness of the accounts and they has failed to validate the inaccurate information on my credit report. I am requesting deletion of the inaccurate and incomplete accounts from my credit report within 14 days of them receiving my complaint. They has cause me stress and loss of work because i keep getting denied for things that reporting on my credit. i have attach a copy of the letter below for your reference. 
XXXX XXXX XXXX has 2 different balances and missing data making it inaccurate on both credit bureau- Transunion and XXXX- please delete 15 usc 1681e ( b )

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 2023-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Capital one is still committing scams against me, and is in effect intentionally ruining my credit score.

A few months ago, with zero warning, notice, zero phone calls, zero emails, zero communication, they cancelled all three of my credit cards with them which I had kept in good standing for years, and then claimed it was simply a business decision and nothing to do with my credit worthiness. 

Except they didnt close it to late fees and interest, theyve intentionally kept the cards ACTIVE on their end, just not usable on my end. Im still paying for these cards as though they are ACTIVE CARDS. Therefore, they report such things as over the credit limit knocking more points off my score- I HAVE NO CREDIT LIMIT. YOU TOOK IT AWAY. At this point It he abundantly clear you are just trying to get more and more money out of me someone who had been a good and loyal customer for YEARS, while destroying my credit- which was very very good until this happened! You are evil people and I am requesting you CLOSE MY CARDS AND STOP MAKING MY LIFE XXXX. I am also taking steps to move my checking account away from capital one and I will never ever do business with you awful people again. CLOSE THE ACCOUNTS.

Company response to consumer: Closed with explanation