BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-16
Company: EQUIFAX, INC.
State: PA
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:
I am making this complaint on be half of my self an no other. I sent XXXX XXXX a cease and desist got notice that they received it XX/XX/22. I never received noticed that I could dispute this debt. XXXX XXXX is ruining my reputation and damaging my character.XXXX XXXX shared this alleged obligation with the consumer reporting agencies. I sent this company a cease and desist and they are still communicating with me through transunion. Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Due to this inaccuracy my reputation and character is being effected. Due to this inaccurate report I am unable to get a job. Now I can't obtain credit due to these companies tarnishing my reputation. I recently just got out of the hospital due to constant XXXX  XXXX. My doctor prescribed me XXXX to deal with my XXXX. This person ( debt Collector ) infringed upon my right to privacy by having a conversation with a 3rd party about me while I wasn't aware. 15 USC 1681a ( 4 ) .The consumer reporting agency is sharing erroneous info without first consulting with me the consumer. They have no proof that this transaction took place. If so send me the contract that took place between me and XXXX XXXX stating we are doing business. They are impartial because they allowed information to be reported while only hearing one side of the story. 15 USC 1681 ( a ) ( b ) the consumer reporting agencies did not meet the needs of commerce because this was not fair or equitable.15 USC 1681a ( d ) ( 2 ) exclusions from a consumer report transaction between a consumer and person making the report. This is identity theft.XXXX XXXX stole my identity and shared my private information with these CRA 's. XXXX is now CIVILLY LIABLE or willful noncompliance pursuant to 15 USC 1681n ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Klarna AB
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
KLARNA XXXX " buy in 4 installments '' plan no longer allows me or other consumers to use our accounts as KLARNA is doing a soft pull on our XXXX credit reports. 

I have never given KLARNA access to my XXXX report. I do not recall them asking for my permission. 

I was in a merchant that KLARNA uses and they were unable to complete my purchase although I had {$590.00} in available credit. I contacted KLARNA on XX/XX/2022 at approximately XXXX EST and was told by a representative that KLARNA decided to " try something new for future purchases ''. 

I feel this is unfair, illegal and very biased. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
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:
I Recognized fraud inquiries on my account, and would like them removed. I have filed complaint with XXXX and have recieved FTC report. The following inquiries are from XXXX, and Transunion. 

XXXX : XXXX 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 XXXXXXXX XXXX XXXX - XX/XX/XXXX Transunion : XXXX - XX/XX/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

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 2016-05-06
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian Information Solutions failed to block fraudulent information being reported on my Credit Report dispite my police report and fraud affidavit previously sent to them as well as the creditors. The accounts are as follows, Experian Report # XXXX 1 ) XXXX Bankruptcy Court 2 ) 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 2016-06-13
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
A mortgage lender erroneously reported late payments on XXXX account for over 16 months. Once the issue was resolved and I received the mortgage lender letter stating they were at fault and were going to take steps to rectify the misreporting, I contacted the credit reporting companies to verify it was resolved, and XXXX of them still had incorrect information. I began separate disputes with XXXX credit reporting agencies, XXXX of hem being Experian. The first dispute with Experian was opened on XXXX XXXX, 2016 and I received a completion notification on XXXX XXXX, 2016. The credit report still contained the same errors, so I called Experian to ask what additional information I could provide to rectify this. Experian call center staff said no additional information was needed, and they were just going to open a second dispute to correct my credit report. A second dispute was opened on XXXX XXXX, 2016 and completed on XXXX XXXX, 2016. The late payments still show on my credit report after the second dispute was finalized.

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 2022-03-16
Company: Experian Information Solutions Inc.
State: PA
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:
I am making this complaint on be half of my self an no other. I sent XXXX XXXX a cease and desist got notice that they received it XX/XX/22. I never received noticed that I could dispute this debt. XXXX XXXX is ruining my reputation and damaging my character.XXXX XXXX shared this alleged obligation with the consumer reporting agencies. I sent this company a cease and desist and they are still communicating with me through transunion. Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Due to this inaccuracy my reputation and character is being effected. Due to this inaccurate report I am unable to get a job. Now I can't obtain credit due to these companies tarnishing my reputation. I recently just got out of the hospital due to constant XXXX  XXXX. My doctor prescribed me XXXX to deal with my XXXX. This person ( debt Collector ) infringed upon my right to privacy by having a conversation with a 3rd party about me while I wasn't aware. 15 USC 1681a ( 4 ) .The consumer reporting agency is sharing erroneous info without first consulting with me the consumer. They have no proof that this transaction took place. If so send me the contract that took place between me and XXXX XXXX stating we are doing business. They are impartial because they allowed information to be reported while only hearing one side of the story. 15 USC 1681 ( a ) ( b ) the consumer reporting agencies did not meet the needs of commerce because this was not fair or equitable.15 USC 1681a ( d ) ( 2 ) exclusions from a consumer report transaction between a consumer and person making the report. This is identity XXXX XXXX stole my identity and shared my private information with these CRA 's. XXXX is now CIVILLY LIABLE or willful noncompliance pursuant to 15 USC 1681n ( a ).

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 2017-02-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
The bank honored a check that was dated a month in the future. Granted, the vendor should not have submitted this check, but the bank thinks it is fine to ignore the date on the check. Why do they even have a date line?

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 2016-08-24
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Someone stole my identity. Opened accounts at sprint, XXXX and pulled my credit info at other places such as XXXX. I have filed police reports, notified all involved companies, placed credit freezes, STILL THE COMPANIES ARE ALLOWING MY CREDIT TO BE FRAUDULENTLY PULLED. It 's ruining me and none of the agencies are helping.

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 2017-02-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have informed you that the XXXX Account that is reporting on my credit file is not my account. Please removed this account from my credit file, immediately. Please see the attached police report notifying you that I was a victim of identity theft.

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 2022-03-16
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I can not access my TD credit card account online and every time I call I am put on hold. I have called numerous times on XX/XX/XXXX and XXXX. I have been on hold for upwards of twenty minutes each time. I have no idea what the charges are on my account because I cant access it online and cant get a person on the phone to unlock my account. The website I normally use which is tdcardservices.com is directing me to a completely new website and I cant figure out how to access my information. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
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:
In XXXX of 2021, I received notice from XXXX, noting that I had opened an account with XXXX XXXX - XXXX XXXX ; XXXX XXXX, XXXX XXXX, CA XXXX. 
I had never heard of XXXX XXXX, nor had I applied for credit with them. I tried to call XXXX XXXX, but the telephone number listed online was not valid. 
I alerted all three credit bureaus : XXXX, XXXX and Experian, that this was a case of fraud. 

Now, XXXX months later, this is still showing on my credit report with Experian, and also shows that I am deliquent in my payments. 

Again, this is a case of fraud. I have NEVER opened an account with 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 2017-02-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX suddenly appeared on my credit report and I have no idea who or what This is. I would contact them but they give me no information to contact.

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 2017-01-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I FILED A DISPUTE ON XXXX ACCOUNT ON MY CREDIT REPORT - AVANT - WHICH LISTED ME AS XXXX MOS. PAST DUE, {$340.00} WHEN IN FACT I MADE THE PAYMENTS AND IT WAS DURING A TIME WHEN I WAS IN TRANSIT FROM MY HOME IN XXXX TO XXXX TO DEAL WITH THE DEATH AND FUNERAL OF MY MOTHER. I WAS CONSTANTLY COMMUNICATING WITH ALL MY CREDITORS, MAKING PAYMENTS AS I HAVE, AND FOR SOME REASON, XXXX, DID NOT RECOGNIZE MY EMAIL ( XXXX ), ONLY XXXX AND DID NOT CREDIT MY PAYMENT CORRECTLY AND I HAVE SEVERAL EMAILS FROM THEM STATING THAT THEY DO NOT RECOGNIZE UNREGISTERED EMAILS, BUY MY IPAD FOR SOME REASON SENT BOTH BUT XXXX 'S SYSTEM, WHEN NOTING THE " UNRECOGNIZED '' EMAIL - REJECTED.

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 2020-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Transunion has charged me {$24.00} when I was online browsing and look for my credit score. They never said they would charge me any money, after I put in my credit card information I was charged the monthly fee that I did not agree to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-07
Company: Experian Information Solutions Inc.
State: VA
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:
Im writing due to non-compliance with the CRA, Experian. 

They have failed to remove information that was affiliated with personal Information that was challenged in the past. 

I strongly believe that they are in violation with the FCRA and are outright refusing to uphold the law.

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 2017-01-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XX/XX/2016, I was int he process of moving and I ended my services with XXXX XXXX not long after they took over my account from XXXX. It seems in the confusion from the combination of the company switch and my move, some very strange and unusual things happened to my account ( s ). Since that time, I have received multiple billing statements in the mail from XXXX ( keep in mind, I have NO open accounts with them ), some of which say, I owe them money, some say I owe nothing, and some saying I have a credit coming to me. I came to find out that I had XXXX accounts opened under my name, and I have no idea why. Needless to say, this was all VERY confusing and I did not know which to believe or follow through on. After talking to them several times, it seemed that even THEY were confused as to why this was happening. 

Well, as this was going on, apparently, the bill that said I owed money ( {$35.00} ) went into " delinquency ''. And because of that, it seems as though, my credit score has suffered. 

This seems INCREDIBLY unfair, since the blame for this confusion should fall on XXXX billing system, AND the fact that THEY owed ME more money than I owed THEM ( {$61.00} credit that I still have yet to receive ). I do not believe MY credit score should suffer because of this.

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 2015-06-18
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Account numberXXXX .... 
I contacted Experian telling them that an account was reporting past the delinquency time, in addition, I contacted the original credit and they no longer have the account on file. Experian will not allow me to dispute this account again, for lack of new information. The new information is that this is past XXXX years from the original delinquency. I understand that this is scheduled to come off in a month, but I 'd like for it to be removed now. I contacted the original creditor and they do n't even have record of the account anymore, because the company is no longer existing, though it has been transferred to XXXX XXXX, XXXX XXXX told me to contact the bureau. I checked my report and Experian noted it as if it was just recently disputed and update, but the XXXX XXXX rep stated that they do n't have the account in their files and did not receive any recent disputes that they can find under my social. I feel stuck and like I am the only one being penalized in this process. I 'd like this account deleted please. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In summary, when we closed the refinanced deal with another lender and SPS charged us XXXX for the payout which was originally {$460000.00} before I made XXXX payments from XX/XX/XXXX XX/XX/XXXX equal to {$33000.00}. In addition, SPS did not report all the mortgage payments that I made during the pandemic but SPS somehow decided to charge me {$31000.00} in delinquent payments during the pandemic. In addition, SPS charged me {$42000.00} in interest for XXXX which is very concerning since I dont even pay {$42000.00} in mortgage payments each year. Also, SPS added an XXXX debt on my credit as debt and recouped it at the closing of the refinance in XX/XX/XXXX. I strongly believe Select Portfolio Servicing is guilty of UNFAIR BUSINESS PRACTICES, IN VIOLATION OF BUSINESS AND PROFESSIONS CODE SECTIONS 17200, ET SEQ, Fraud For Profit and more

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A fraudulent automobile dealer, ( XXXX XXXX in XXXX Ga ) charged my credit card despite not completing repairs properly. They held my car hostage and refused to return it unless I paid their ransom. I reported this fraud to Discover and they " Claimed to open an Investigation ''. However, they became a party to the fraud when they simply accepted some reciepts from XXXX XXXX with no explanation of the charges as justification of the charges. I expect XXXX XXXX AND Discover to make things right and return the XXXX to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-07
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:
I received a letter of release from XXXX cable company when I made the payment in full. I have tried several times to contact experian credit bureau to make sure that XXXX cable company was removed from my credit report. Experian credit bureau is still reporting this on my report. The account was paid in full last year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: EQUIFAX, INC.
State: AR
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 been a victim of Identity theft and this has been on ongoing issues with this company. On XXXX @ XXXX XXXX  ( tracking # XXXX ) Equifax received one of several dispute letters regarding fraudulent established accounts that are being reported on my Equifax credit report. A police report containing the accounts in question was and has also been included with the past several disputes I have sent to Equifax as well. On XXXX @ XXXX XXXX ( tracking # XXXX ), Equifax received a dispute letter on my behalf regarding the same fraudulent accounts that they continue to list on my Equifax credit report. I have stressed the negative financial impact to Equifax this has taken on my personal financial status, sent in supporting documentation, and yet Equifax still continues to violate my consumer rights under the Fair Credit Reporting Act, Section 605b, 609, and 611. It has been well beyond 30, 60, and 90 days and no proof of accurate verification or original correspondence have been provided by Equifax as per the Fair Credit Report Requires. I have provided more than the necessary documentation supporting my claim and yet nothing is being done about the situation.

Company response to consumer: Closed with explanation