BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In my previous letters, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXXXXXX 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 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 2023-02-22
Company: Experian Information Solutions Inc.
State: FL
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 following accounts below have violated my Federally Protected Consumer Rights to Privacy and confidently, pursuant to 15USC 1681 section 602a which states that I have a right to privacy. They have violated my rights under The Financial Privacy Act of 1978 and credit denial in violation of 15USC 1681a ( k ). This entity also violated 15USC 1602 ( p ), violates 18USC894. Using my TRADENAME without express written consent in violation of O.C.G.A. 16-9-93.1 Names Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CORPORATIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX DEPT OF EDXXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX They have violated my rights and restraint of trade in violation of 15 USC 1 and 15 USC 2. Additionally it clearly states under 15 USC 1681 section 604a section2 that a consumer reporting agency can not furnish an account without my written consent. 15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report contain any of the following items of information. Any other adverse item of information other than records convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( a ) Duty of furnishers on information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 accurate.

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 2023-02-22
Company: Experian Information Solutions Inc.
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:
Date : XX/XX/2023 Failure to investigate Name : XXXX XXXX Current address : XXXX XXXX XXXX XXXX mi, XXXX SSN : XXXX Date of XXXX To : Dear Credit Bureau XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Your company Experian verified the below account. I looked at the FTC site, and they stated that you have to tell me how you verified this account. You have to tell me details and not a boiler point letter. Please tell me how. FAILURE TO INVESTIGATE, please re-investigate and DELETE ALL items lists below. 

( 1 ). Creditor : Account : XXXX XXXX # XXXX Reason : FAILURE TO INVESTIGATE ( 2 ). Creditor : Account : XXXX # XXXX Reason : FAILURE TO INVESTIGATE ( 3 ). Creditor : Account : XXXX # XXXX Reason : FAILURE TO INVESTIGATE ( 4 ). Creditor : Account : XXXX # XXXX Reason : FAILURE TO INVESTIGATE Please send me details on how this account was verified. 

Thanks!

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 2021-11-11
Company: Kovo
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I am in the process of fixing on my credit and there is the company by the name of KOVO stating that they can help you build your credit like a loan but they dont loan you anything they take money from your account. The process is 24 months well I had noticed that my credit wasnt updating I contacted them to close the account and refund me my money. They basically stated that they couldnt the funds they get from their clients is used for covering their operation cost. They will not refund me the money I have paid also they are stated to close the account they will forgive the loan, but they have not giving me a long its my money I want it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: CA
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, XXXXXXXX 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions 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 CALLED XXXX, XXXX AND EXPERIAN SO MANY TIMES I CANT COUNT. THEY HAVENT UPADTE MY ACCOUNT. AND ALSO THE XXXX  XXXX HASNT DONT THERE JOB TO UPDATE MY ACOUNT. THIS HAS CAUSE DAMAGE TO MY CREDIT SCORE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX I lost my Debit card. I last used my card at XXXX XXXX XXXX XXXX earlier that same day ( {$4.00} ). I realized I lost my card later that evening when I arrived home. I called customer service to order a new card. I then became aware of 3 unauthorized transactions that had been done while my card was lost. Those transactions actions were XXXX XXXX XXXX {$2000.00}, XXXX XXXX XXXX {$820.00} and XXXX {$86.00}. I was told I would have to wait a few days until the transactions " Posted '' to the account before I would be able to file a dispute. I filed a dispute on XXXX  Dispute # XXXX. On XXXX/XXXX/23 I was informed by the bank that my Dispute was denied. How could they investigate my dispute in less than 24 hours? I'm very hurt and offended. I'm XXXX XXXX XXXX and live on a fixed income. I have made several calls and attempts to rectify this situation. The bank still refuses to credit my account due to this fraud. will you please help me?

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 2022-12-16
Company: EQUIFAX, INC.
State: OH
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 been trying to dispute an address that I believe to be a part of litigation in identity theft from a breach in 2017. And according to this they are not taking the proper step under the XXXX to investigate, accurate information as well to withholding proof on how the information was obtained, re-adding previously deleted information, unwilling to verify an address, place on account through identity theft or fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: MD
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:
1.My name is spelled wrong 2.wrong date of birth 3.unknown address appeared on my file.

4.Credit report shows unknown inquiries 5.credit report shows wrong addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Bread Financial Holdings, 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: Account information incorrect

Complaint:
In XXXX of XXXX I had a late payment on a XXXXXXXX XXXX XXXX XXXX because I was sick with XXXX I contacted the company because a late payment was put on to my credit report the company said that they would do a Goodwill adjustment and that they would adjust the late payment in their system as well as with the credit bureaus so that it would not hurt my credit since then they sent me a letter saying that they would do so but they did not to this date they have not I have contacted them several times and each time I got the news saying that they had already corrected it in their system and they had already sent the information to the credit bureaus after contacting the credit bureau several time and putting in disputes they kept coming back saying that the company was still reporting the payment as late after contacting the company yet several times again kept getting the same story that it was the credit bureaus that were lying and had not corrected the file as of this morning I find out that XXXX 's did not do what they said they would do in the letter and are not willing to after all this time I have been a customer of their since XXXX and have never missed a payment they had agreed to this and now they're going back on what they agreed to I have a letter stating such and after contacting them yet again this morning I got a very rude supervisor who pretty much yelled at me and raised his voice and told me they had no plans on doing anything and that he spoke for the whole company Comenity Bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am starting a new complaint. This is the same complaint I filed a few days ago. Im including the number here. 

XXXX Please check the file for background information. Trans Union still has not fix the problem. I still can not login to my TransUnion account and they are still not recognizing my last name and Social Security number. Then I went to the website this morning to try to login again and now Im being barred from the website. Anyhow, TransUnion claims that they fixed the problem, but they have not fixed it at all and I need to unlock my TransUnion or unfreeze it for this loan, and they still have not unfrozen it, or giving me access to my 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 non-monetary relief
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: MO
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 sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after the XXXX XXXX XXXX. Ive already included this in my previous Complaint & I am including it again. 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 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 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 explanation
Consumer complaint received 2023-07-26
Company: ACIMA CREDIT, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Unexpected or other fees

Complaint:
XX/XX/XXXX was when I made the first payment, that is, the financing. I did it with my cousin 's wife 's card because mine had been lost and had not yet arrived ( it was with my cousin 's knowledge ). Then, the weekly payments were made correctly, being these : XX/XX/XXXX, XXXX and XXXX, until reaching the month of XX/XX/XXXX. The payments from XX/XX/XXXX to XX/XX/XXXX, were invalid. 

On the XXXX, XXXX and XXXX of XXXX, the payments were made from my cousin 's wife 's account without me having any knowledge of it. I realized, when I didn't see the payments registered in my account. I immediately called and found out that they were using the wrong account. They were supposed to give it back but never did. On XX/XX/XXXX, my account was fully paid off. 

It happens that my cousin 's wife called her bank 5 days later to get her money back, without letting me know because we had agreed that I would make those payments, but Acima didn't let me know either.. 

I called realizing that my account was still open with an exaggerated sum approximately around {$1300.00} plus dollars. The only thing they told me was that I had to pay it because the XXXX-month term had already expired. 

My last call with them was this Wednesday the XXXX of XXXX, around XXXX. in the morning, which was the same answer. They have not wanted to make a fair payment agreement with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-08
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:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.

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 2022-12-16
Company: EQUIFAX, INC.
State: AZ
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 ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XX/XX/2022 Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy. 

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. 

I have attached my driver 's license and utility bill showing proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm sending you 2 different documents from 2 different companies an i have no idea who they are or the item/s there trying to collect money for when i don't anyone for anything an as far as that goes i haven't used my maiden last name since i got remarried so yeah i don't know these XXXX 's XXXX on top of that i DONT have the money to pay them back I'm NOT rich an I'm NOT making that money any XXXX way!!!!????

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I entered into a modification of my mortgage in XX/XX/2022 and sent in the first payment of the loan to Carrington Mortgage Services. The next month after it was recorded and second payment received they reported to the credit bureaus that I was in foreclosure and delinquent. The damage to my credit report was irreparable. They continued reporting this way for 2 more months. They are sending collection notices and trying to get me to agree to a short sale by email to avoid foreclosure when they receive and process my monthly payments. They are also submitting work orders to subcontractors to change my locks and trespass on my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: WELLS FARGO & COMPANY
State: NC
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:
Fraud Complaint File # XXXX XXXX XXXX to Well Fargo XXXX XXXX XXXX Thu, XX/XX/XXXX, XXXX XXXX to XXXX, XXXX XXXX : XXXX XXXX XXXX Fraud XX/XX/2023 - Initial fraud with cash advance to checking account. 
Credit Card XXXX Online cash advance {$500.00} - # XXXX Online cash advance {$500.00} - # XXXX Interest Charge {$5.00} These transactions were not authorized or initiated by me. 
No one has access to my credit card. 

XX/XX/2023 - Cash advance deposited into checking account and the following listed occurred. 

Checking Acount XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$250.00} REF # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$250.00} REF # XXXX XXXX XXXX XXXX XXXX {$500.00} REF # XXXX These transactions were not authorized or initiated by me. 
No one has access to my checking account. 
I have no knowledge of the above noted people. 
I always use the 2 step verification system for account access! 

Only XXXX XXXX is listed on my XXXX account list. There are no other recipients listed. 
I did not receive email transaction confirmations of the above noted transactions. 
Account ... XXXX is a new account transferred from ... XXXX on XX/XX/2023 due to fraud. Old account classified in Lost/Stolen status. 

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