BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-01
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 XXXXXXXX, Account # XXXXXXXX XXXX XXXX XXXX Account # 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 an 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 non-monetary relief
Consumer complaint received 2022-05-01
Company: Idaho Housing And Finance Association
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have struggled and not made payments do to loss of work and cut hours, I am a XXXX and we were even closed for months and I fell very behind. After being behind I felt like l was forced to enter a new contract with stricter penalties that makes me pay way more for my mortgage. Then went hit with national disaster in my area, tornando came thru, I filed an insurance claim to repair damages since I was missing parts of my roof and they are holding those insurance funds until I comply with payments which is further causing damage to my home that I will have to pay way more for and I don't what I can do. I had to use money for mortgage payment to make minor repairs to save my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX DEPT OF EDUCATION/XXXX  Account # XXXX XXXX DEPT OF EDUCATION/XXXX  Account # XXXX XXXX XXXX Account # XXXX 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 non-monetary relief
Consumer complaint received 2022-05-01
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX. XXXX, XXXX, account number XXXX and XXXX. XXXX, XXXX, account number XXXX has violated my rights. 

15 U.S.C. Section 602 A. States I have the right to privacy.

15 U.S.C. Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2019-11-20
Company: Waypoint Resource Group, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received notification for this debt through a credit monitoring service. I have disputed this debt due to lack of notification and proof of debt. Company has not provided any information. Through research I have summoned the debt is from XXXX XXXX  an account I closed in 2014 and paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX and Experian refuses to delete duplicate information on my credit report after being provided proof.

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 2017-07-01
Company: Experian Information Solutions Inc.
State: NC
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 contacted all 3 credit reporting agencies on XX/XX/XXXX and XX/XX/XXXX to inform them that numerous inquiries on my report were due to an error. I called the company which was a car dealership by the name of XXXX XXXX XXXX on XXXX XXXX in XXXX XXXX, NC that was responsible for having my report pulled by numerous finance companies. I spoke with the Finance Manager by the name of XXXX XXXX that searched their systems and confirmed that they did not contain any information on my name or social security number. He confirmed that my information had been pulled in error and that I did not give permission for my credit to be pulled by his company. He stated that he would send in a letter to the 3 credit bureaus but when I tried to check the status of that process being completed a few days later with XXXX XXXX I was informed that he had a family emergency and would be out of work for some time. Each time I spoke with representatives at each credit bureaus they read me the same statement about " inquiries being factual data ''. I understand that but it means nothing if I did not authorize my credit to be pulled by this company which results in many inquiries being reported on my credit reports. I requested by verbally disputing, written disputes sent by certified mail, also online with each credit bureaus dispute option. After the dispute is completed I am getting the status as " verified '' which is impossible if the company has already confirmed that my information was used to pull my credit reports in error. I believe that the credit bureaus are not investigating my concern and I would like these inaccuracies removed immediately from my credit 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 non-monetary relief
Consumer complaint received 2021-07-21
Company: CITIBANK, N.A.
State: NC
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:
Called Citi ( account ending XXXX XXXX to request an account review for credit limit increase. When I asked if they would be making an inquiry into my credit report I told them that I was not interested with proceeding with the credit limit increase request ( I have a high credit score and do not want a " hard inquiry '' ). They proceeded to make an inquiry against my direction. Now I have an additional inquiry on my credit report that I did not request which resulted in a lowered credit score causing financial harm.

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 2017-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
So first off let me start off by saying. I have a XXXX so if this is hard to understand thats why. So my story now. I have a credit card with Capital One. I am trying to fix my charging privileges and restricted status on my account. I have sent them certified letters, I emailed them, And I have called them. But I feel like I am getting treated with neglection. They told me I was suppose to pay off my bill by a certain date. They also said I have recovered a award letter to get my privileges back. But sense I did n't pay the bill by the certain date they revoked my privileges. But I am disputing this item for you to review because I did pay this item by a certain date. But the only problem is there posting period took longer then usual. So they revoked my privileges. I am willing to work with this creditor I tried. But they did n't work with me. So if they do n't work with me. I will be releasing a public press release online about this company for neglect ion and unable to work with someone that has a XXXX that just wants to rebuild there credit. So if you can work with this creditor and get them to work with me that would be progress. I feel like I have been treated with neglection here. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: CAINE & WEINER COMPANY, INC.
State: SC
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 XXXX XXXX  XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I have reached out to the company to get them to remove the incorrect late payments on my credit report and the company has failed to correct these errors. They are preventing me from securing a mortgage.

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 2019-07-17
Company: WELLS FARGO & COMPANY
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I applied for personal line of credit to payoff current loan and to have cash to pay bills. Wells Fargo lead me to believe i would be approved. My mother cosigned and has over XXXX in assests not including stocks and antique collection. I feel they did not consider loan with cosignor and gave false hope that i was approved. My mother and i have been with Wells Fargo for years and have always been loyal and done well with our loans. I needed this to get my payment lower and consolidate so i could improve my credit score i  seek reconsideration and approval i owe under XXXX XXXX and my loan request was to pay that off and pay other debt this would create a better situation for 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 explanation
Consumer complaint received 2020-07-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX  XXXX/XXXX, XXXX   XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF ED/XXXX/XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX, XXXX, IL XXXX My name is XXXX XXXX. 
My phone number is 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 2018-03-31
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:
I'm a victim of identity theft someone got my information and opened up lot of accounts in my name without my knowing. XXXX XXXX account ending XXXX, XXXX account ending XXXX, XXXX 's account ending XXXX, XXXX XXXX account ending XXXX, XXXX XXXX account ending XXXX, XXXX account ending XXXX I'm not responsible to 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 2022-05-01
Company: ALLY FINANCIAL INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I wrote to Ally Financial in regards to an alledged charge off debt observed on my credit report and I got a response from XXXX XXXX XXXX XXXX XXXX with an invoice with incorrect and confusing information. 
High balance of {$9500.00} and a monthly payment of {$19000.00}. how can the monthly payment be higher than the high balance. they have the date last paid as XX/XX/16, charged off the account on XX/XX/16 yet they said i was 90 days late. how did they get 90 days between XX/XX/16 and XX/XX/16. they record the number of payment remaining as 1 while their term according to the invoice is XXXX  months and according to their invoice a few months payment was made on the account. There is a confusing payment history that i cant understand or explain but i will upload the document so it can be viewed. they provided all three credit bureau with different information therefore the account has been re aged on two of the bureaus which is a violation of my rights as everything on the credit report should be 100 % accurate. 
all these errors have been hurting my scores for years aslo hurting my ability to get a loan or move forward with my life. this account is outside the statue of limitation. 
15 U.S. Code 1692b section 5 states collection agencies can not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 15 U.S. Code 1692b ( 2 ) not state that such consumer owes any debt ; ( XXXX XXXX XXXX XXXX XXXX ) violated my rights in this regards. 
both XXXX and Ally have violated 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 explanation
Consumer complaint received 2017-07-01
Company: Conn's, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Dear FCC or Consumer Financial Protection Agency, My name is XXXX XXXX, and I am XXXX years an XXXX XXXX veteran. Currently going through a divorce and after I moved out pending final divorce. In XXXX 2016 since I do n't have any furniture in the new apartment I decided to finance some furniture because of my horrible economic circumstance steaming from my student loans debts. I went conn 's a furniture outlet in XXXX Texas to get some cheap furniture after eight months sleeping on the floor while facing {$1000.00} child support for XXXX child without any justification a total judicial deviation from the state of Texas child support guidelines. I Financed furniture worth {$1600.00} including sales tax with a down payment of {$260.00} and a monthly payment of {$73.00}. I have no problem paying my monthly bills detail in my contract. Unfortunately, after I have paid {$950.00} in total, I was told that I have {$1300.00} balance. I ca n't put my head together, giving the fact that you are not giving billing statement let alone payment coupons. Going through with my frustration and after talking with their aggressive and unprofessional customer service representative and I decided to file this complaint, and I hope you can help me and thousand or million facing predatory lender like conns. I also discovered that among fees added are property insurance premium of {$190.00}, ( property warranty fees that were n't disclosed on my contract form that I signed. They also added {$100.00} prepaid finance charge called it Administrative costs. An interest rate of 33.29 %. The worst of all is that this percentage is computed on original amount financed. As you paid your monthly bills and even sometimes above the minimum amount due, the annual rate is not calculated on balance but the original amount financed. Please, I need your help here, and thousand in my situation will appreciate your assistance. Third, often time you call their payment service number ; ( XXXX ) that called are relay to XXXX, XXXX XXXX or XXXX XXXX. Thanks and I look forward to hearing from your honorable office. Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01
Company: Experian Information Solutions Inc.
State: AR
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 've contacted all 3 credit bureaus by mail, online, and over the phone to dispute inquiries on my credit reports. I 've put a fraud alert on all 3 as well. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX/XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 've contacted all 3 credit bureaus by mail, online, and over the phone to dispute inquiries on my credit reports. I 've put a fraud alert on all 3 as well. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX/XXXX/XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: FL
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 sent out letters to all the 3 credit bureau in XX/XX/2022 to do a complete investigation .I recieved a respond back that they have done a complete investigation and everything is 100 % accurate.

According to the law 15 U.S. Code 1681a The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: U.S. BANCORP
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a letter from US Bank dated XX/XX/2021 stating, " We regret that we are unable to establish an account for you at this time because we are unable to verify identification information on the application ''. I did not apply for a credit card from US Bank ( XXXX ) and I tried to call the phone number on the letter ( XXXX ) to inform them and get more information but I was on hold 30 minutes and no one answered my call. I called several times Monday XX/XX/XXXX and Tuesday XX/XX/XXXX with no luck. The REF # on the letter is : XXXX. It stated the creditor and issuer of this card is U.S. Bank National Association.

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