BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-06
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: Information belongs to someone else

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX. INQUIRIES : XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX  | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX 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 2021-12-15
Company: Commonwealth Financial Systems, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OBTAIN XXXX XXXX IN MY NAME. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX XXXX OPENED : XX/XX/2021 XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/2021 XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/2021 XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
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 was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Credit Plus Inc
State: NY
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:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXX Inquiry : XX/XX/2021 XXXX XXXX Inquiry : XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: WLCC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I became aware of this debt on XX/XX/XXXX upon receiving my paycheck and discovering a garnishment for 15 % of my wages, I received no notice or communication from XXXX XXXX XXXX about this matter. On XX/XX/XXXX, I contacted the phone number provided to me by my employers payroll processing company XXXX, the phone number is for a collection agency called APEX, when I told them I had no knowledge of this debt, they referred me back to XXXX XXXX, I contacted XXXX XXXX 5 times, XXXX XXXX referred me back to APEX and APEX said that they don't have my contract and that I need to get that from XXXX XXXX, I again contacted XXXX XXXX and requested a copy of the contract, I received an email this morning from their finance department from someone named XXXX, stating the contract was attached, the contract was not attached. I again contacted XXXX XXXX 's finance department and was told that they could not discuss the matter with me and I needed to contact Apex, upon contacting APEX, I'm punted back to XXXX XXXX. I have emailed XXXX XXXX customer service and asked them to revoke what ever permission they claim to have against my wages to no avail. I need this to cease immediately, I have no knowledge or information about this debt and XXXX XXXX and Apex are playing games.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: Experian Information Solutions Inc.
State: CA
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: Problem with personal statement of dispute

Complaint:
My XXXX XXXX Account Was Paid Off But They Have Left The Wrong Information On My Credit Report For 11 Years The Account Should Be Removed It Is Too OldAnd A Medical Account That I Believed To Be Payed Off Has Also Been Left On My Report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
TransUnion is reporting inaccurate information on my credit file. I have disputed this several times with them over the last 2 years, however they are still reporting incorrect information. They are reporting the incorrect date on my credit file. The below account went delinquent on XXXX XXXX, XXXX and they are reporting the date of XXXX/XXXX/XXXX which is illegal. This account should have been deleted from my credit file. I have attached supporting documents that this account is incorrect and needs to be deleted from my file. 
Last Reported XXXX XXXX, XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Balance {$1200.00} High Balance {$1200.00} The XXXX account they are inaccurately reporting is XXXX. They are reporting the incorrect date on this account as well. I have attached supporting documents with the original bill from the creditor that this needs to be corrected on my credit file. TransUnion is reporting the date of XXXX/XXXX/XXXX when the correct date this account went delinquent is XXXX/XXXX/XXXX. Below is the account information ( also attached ). 
Collection Agency XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Balance {$390.00} High Balance {$190.00}

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 2021-12-15
Company: EQUIFAX, 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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
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: Account status incorrect

Complaint:
To whom this may concern XXXX is reporting that my students loans are late I 've never received any documents from the company I call them in XX/XX/XXXX and that 's when they sent the first bill but its showing on my credit report I 'm over 100 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
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 XXXX  Account 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 a account without my written instruction

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Experian Information Solutions Inc.
State: NY
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:
Since XX/XX/2018 I've been disputing a Unverified account that do not belong to me which is XXXX XXXX on my Credit Report with Experian, XXXX, and XXXX. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) the Credit Bureaus have on file of the account. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Despite more than three written requests, the unverified account ( XXXX XXXX ) still remain on my credit report in violation of Federal Law. Experian, XXXX, and XXXX  are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of there investigations, they stated in writing that they verified that these items are being reported correctly? But Who verified these accounts? Experian, XXXX, and XXXX have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore Experian, XXXX, and XXXX have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA you are required to. Experian, XXXX, and XXXX  failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
The merchant told me that the AMEX prepaid gift card declined and that the purchase did n't go through so I paid with a XXXX. When I went to use the AMEX prepaid gift card again, I found that the funds were drained. I checked the AMEX gift card website and the transaction that was supposedly declined is still showing up on the gift card transaction statement. I called the merchant to double check if the card went through and they continue to claim that it was declined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
I was linked to the Transunion website when I inquired about a free credit report. My understanding is that Vermont residents are entitled to XXXX free credit report per year. The only membership portal I saw when I linked to site was apparently for a 7 day trial for {$1.00}. It was not made clear that this was the incorrect portal for the free credit report. I was charged for membership services that I did not ask for. I contacted customer service and was told that their policies are very clear and that the charges are nonrefundable. During the call, I was offered a free month and a reduced price for " refreshing '' membership. I declined these offers and stated that I wanted the service cancelled immediately and requested to speak with a supervisor. I was told that the supervisor would not be able to help me, as they are bound by the same policies. The supervisor I spoke with told me that the only way to get the free report is through a separate website. He then said that he would refund one month of charges ( {$17.00} ). I am not satisfied with this outcome or the customer service I received. I feel that this company is aware of the confusion and does not want to rectify the issue as it benefits them financially and are operating in a predatory and dishonest fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Problem with personal statement of dispute

Complaint:
My XXXX XXXX Account Was Paid Off But They Have Left The Wrong Information On My Credit Report For 11 Years The Account Should Be Removed It Is Too OldAnd A Medical Account That I Believed To Be Payed Off Has Also Been Left On My Report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filling this complaint because Experian has ignored my request to provide me with their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section XXXX ( XXXX ) ( a ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. 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 explanation
Consumer complaint received 2023-01-19
Company: R & B Corporation of Virginia
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My wife handled all of our bill paying up until she died last XX/XX/XXXX. Recently I was told by a woman I had hired to help me with legal services that she was going to serve my work with wage garnishment papers. I asked her from who, about what? Why would my wages be being garnished. She refused to tell me so I looked up my court record and my credit history on XXXX XXXX. Apparently since XXXX several credit companes and companies who bought debt from credit cards have been taking me to court over credit cards in my name. I was not aware of any credit cards in my name. I have not taken any out. Clearly my wife XXXX XXXX, or my daughter XXXX XXXX, mustve taken these cards out in my name, ran them up and hid the statements from me. My wife always got the mail, I never even had the mail key til she died. Now I am getting stuff from companies and I dont even understand what it all is. All I know is that I did not sign up for any credit cards. So all of them were taken out by someone in my name. The companies I found on my court record that have apparently gone to court over this debt are : XXXX XXXX XXXX ( bought debt from XXXX ), XXXX XXXX XXXX XXXX XXXXXXXX XXXX  and XXXX XXXX XXXX. My credit report says these companies I also have debt with despite me not taking out cards or loans with them : XXXX, XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX. Please investigate these fraudulent accounts and see who actually took them out in my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: EQUIFAX, 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:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I WAS A CUSTOMER OFF WELL FARGO BANK A BOUT 10- 7 YEARS A GO THEY OPEN CHECKING ACCOUNT FOR ME I HAD A FEW OVER DRAFT THEY CLOSED I DID PAY UP THE OVER FEE NOW SOME ONE USED MY INFO.TO OPEN A NEW ACCOUNT I TRY TO LET THEM NO ITS NOT ME BUT THEIR IS NO ONE TO TALK TO NOW I HAVE PROBLEM OPEN IN A NEW 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 2020-04-18
Company: CarMax, Inc.
State: KY
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:
Carmax Auto Finance has added a comment to my credit reports as well as my niece 's new account on her credit reports " Stating Customer affected by Natural Disaster '' This is false and misleading information to any other creditor as neither I nor my niece have asked for any type of deferment of payment or any assistance at all. Actually, on my account, I only have a small balance left and do not even have another payment due for 5 months as I am paid in advance. On my nieces brand new account her first payment is not even due until next month. It seems like Carmax has added this remark to their account holders which could negatively impact the consumer with other creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: Franklin Collection Service, Inc.
State: ID
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Franklin Collection Services has been reporting on my credit reports for several years now. I have received some letters from them while back with some references to garnishing my wages and seize my bank account knowing that I get social security. I tole them before they cant take my bank account. Also they are collecting from XX/XX/XXXX or XX/XX/XXXX for {$450.00} for a accunt for XXXX which another company has been collecting as the same time. XXXX owes me money ( and XXXX of other consumers ) for fraudulenty adding false charges on their statements. There is a class action suit. I disputed tis Franklin Collection Services with credit bureaus and it keeps coming back as reported correctly. That s wrong. XXXX told me to contact Franklin but they are not responding. Also I am an official ID Theft Victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: Pinnacle Credit Services, LLC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Only received an 2015 IRS Form XXXX from Pinnacle Credit Services , LLC for XXXX for {$670.00}, ( Line XXXX ) date of debt discharged XXXX/XXXX/2015. This is the first and only correspondence. 
The XXXX was addressed to " XXXX ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I had disputed a charge on my account for {$380.00} due to faulty repair work on my Fridge. The initial charge was XXXX XXXX, 2015 and I disputed it on XXXX XXXX, 2015 and Bank of America credited it back to my account. However, the company sent them a copy of the receipt and Bank of America charged it back to my account. 

The complaint was not that it was not authorized, the complaint was they did n't repair the appliance and would not honor the guarantee. I have since bought a new fridge and want my money back to pay at least for part of the new XXXX!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
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 XXXX Account XXXX XXXX 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 a account without my written instruction

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