BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

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 2023-09-23
Company: CarMax, Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Your company failed to provide me with a statement 21 days before sending out any of my personal non public information as required by the FCRA and 15 usc 1666 under the Truth In Lending Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: CREDIT ACCEPTANCE CORPORATION
State: IN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I purchased a car XXXX XXXX XXXX  to be exact I guess the amount total was {$32000.00} after everything was added in they only wanted {$17000.00} for the car total but with the ApR made it {$32000.00} well I gave the car back after I had paid {$8000.00} total I was informed that they auctioned the car off for {$5000.00}. They did not pay no more than {$17000.00} for the car and charged me {$15000.00} more well now they are taking me to court wanting me to pay {$12000.00} still.

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 2023-08-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have attempted to correct this issue with the credit agencies for the pass two years. Each of these companies continue to report inaccurate information that are part of an identity theft. I want the inaccurate information removed promptly according to federal law 15 usc 1681 611 ( 5 ) ( 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 explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card
Sub-product: Store credit 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:
XX/XX/2023 I placed an order online for two pairs of XXXX. My credit card was charged {$26.00} for XXXX pair to be picked up in store and {$26.00} for XXXX pair to be shipped to my house. I had accidently selected the wrong store ( it defaulted to XXXX in SC where we were visiting at the time of the order ). When the order was ready for pick up, I realized my mistake and called on XX/XX/2023 to have the order exchanged and have the order sent to the correct store. The rep could not exchange it but told me they would cancel, refund the order and sent me kohls cash to ensure I could order to the correct store at the same price. 

On my statement, the refund for the order shows as XX/XX/2023 Return at XXXX XXXX and a refund of {$16.00} was placed. 

I waited expecting to receive the rest of the refund ( {$10.00} as the total paid was {$26.00} for the returned pair ). 

I contacted kohls today XX/XX/2023 looking for the refund. I was told that because of " kohls cash '' issued and used, I was only entitled to a refund of {$16.00} which was already applied. This was never explained by the first rep. I spoke with XXXX different customer service reps ( XXXX and XXXX XXXX and neither would fix the mistake. I should not have to pay {$10.00} for a pair of shoes I do not have in my hands. The order was canceled and a full refund should have been given. I asked to speak to a manager and XXXX XXXX came on the chat. She sent me their FAQ and also would not assist. 

I want them to review the call to see that the rep who helped me with the return was wrong, they should have explained the kohls cash situation because I would have returned the other order. This is predatory lending. No other company partially credits you because of a coupon they give you for shopping at their store. When I brought that up I got the same " I'm sorry '' response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Please refer complaint # XXXX YOUR COMPLAINT I have a wells Fargo business and personal checking account. I called at XXXX XXXX  central time and was talking to a female. I wanted to know if i deposit a foreign currency check into my Wells Fargo then what will happen? how the currency conversion happens? How much time it will take for money to come to my account? How to do that? This female was not at all in a mood to do the work? When she was wasting my time and i tried to have a focussed discussion she threatened me to hang the call. I simply asked her the question in a different manner. But still this female pretended that she is not able to hear me- we were on the phone call for almost XXXX minutes ( some wait time and going thru the menu initially ). Then she hang up the phone on me. 


Please refer to the response from Wells Fargo Unfortunately, we stopped accepting foreign checks from XXXX in XXXX. Another option to receive funds from XXXX is a foreign wire. 


How come they are calling me XXXX? It's a great offense to call an XXXX origin purpose as XXXX. This is ridiculous that I am having this account since XXXX and visits the branch at least 3-4 times in a year. This is the worst KYC. I feel quite offended and insulting that they are calling me XXXX. Historically XXXX is one of the biggest dreaded sworn XXXX of 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 2023-08-29
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
A Lawful Contract has : ( 1 ) offer, ( 2 ) equal consideration, ( 3 ) acceptance by all parties for the contract, and ( 4 ) the signatures by all parties involved with the contract. Only the parties signing the contract can participate in the discussion of the contract : Full disclosure about the contract is imperative. 

XXXX, Me, XXXX XXXX XXXX, a living Woman, who does NOT have a contract or a " wet ink '' Signature with XXXX  XXXX XXXX XXXX XXXX  and/or MIDLAND CREDIT MANAGEMENT. XXXX XXXX XXXX XXXX. 
Make it also known that Me, First of the family XXXX, a living soul woman, have not seen nor witnessed a " wet ink '' signature contract between XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX  and/or MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX. nor have I ever received a True Bill in commerce in regards to the above-reference account.The XXXX XXXX XXXX XXXX XXXX  and/or MIDLAND CREDIT MANAGEMENT have attempted to upon levy and / or trespass upon Me, the Living Soul Woman, without due cause. There is NO valid contract, and said XXXX XXXX XXXX XXXX XXXX and/or MIDLAND CREDIT MANAGEMENT have also used my copyrighted, commercial property, the artwork of XXXX XXXX XXXX XXXX without my prior, written consent. 

The XXXX XXXX XXXX XXXX XXXX  and/or MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX, are obviously trying to do harm to Me, the Living Soul Woman, XXXX XXXX of the family XXXX by XXXX, force of threat, force of contract, payment of fictitious debt, etc. to steal Me, XXXX XXXX XXXX, property at Non-Commercial, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Georgia, and any and/or all possessions of Me, the Living Soul Woman, XXXX XXXX XXXXXXXX. 

Where there is NO CONTRACT, there is NO CASE ( see Erie Railroad Co. v. Tompkins, 1938 ). If there is any assumed CONTRACT and/or CONTRACTS with any and/or all XXXX XXXX XXXX XXXX XXXX  and/or MIDLAND CREDIT MANAGEMENT., XXXX XXXX XXXX XXXX  XXXX between Affiant, Me, XXXX XXXX of the family XXXX, a living soul and Woman, I hereby rescind, decline, revoke any my signature on any and all said contracts, and they are hereby NULL and VOID.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is XXXX XXXX  My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 2023-10-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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:
Consumer Financial Protection Bureau Subject : Unauthorized Credit Inquiries on My Credit Report Dear Sir/Madam, I am writing to file a formal complaint regarding unauthorized credit inquiries on my credit report. I recently discovered multiple inquiries made by financial institutions, namely XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX to my Experian credit report.These inquiries were made without my authorization, and I believe this constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and also violation of 42 USC 408 in regards to the use of social security number being used without my permission and for the use pertaining to any loan or credit. 

Details of Unauthorized Inquiries : XXXX XXXX : XXXX XX/XX/2023 XXXX XXXX Auto Finance : XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 I did not provide consent to any of these institutions to access my credit report, and these unauthorized inquiries have adversely affected my credit score and financial standing. I have not applied for credit or loans with these institutions, making these inquiries unauthorized and unwarranted. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly. I have attached a copy of my credit report highlighting the unauthorized inquiries for your reference. I urge the CFPB to ensure the removal of these unauthorized inquiries from my credit report. I did attempt to call phone numbers to speak today raid department but all attempts failed. 

Thank you for your prompt attention to this matter. Please feel free to contact me if you require any further information. I appreciate your assistance in resolving this issue. 

Sincerely, Consumer

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 2023-10-17
Company: SLM CORPORATION
State: CA
Product: Credit reporting 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 have 3 hard inquiries on my credit report for accounts that were never opened as a result of identity theft.The hard inquiries must be removed within 4 business days per as per USC 1681c-2

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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 2023-10-17
Company: FIRST HOME MORTGAGE CORPORATION
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
First Home is fraudulently trying to take my home from me but putting me into default at their own whim and against policy. I have had nothing but issues with this company and I believe them to be doing similar shady transactions similar to what I dealt with with XXXX XXXX XXXX XXXX early XXXX. 

Responses received from mortgage company inconsistent and false. They are trying to take my property in order to gain a profit on the sale. I am a XXXX mom of XXXX kids who has never received child support. I have worked tirelessly to finally be able to provide a home and invest in my childrens future and First Home just wants to profit off of my struggles. 

I request an extensive look into the history my account and that someone finally hold First Hime accountable for their fraudulent practices. 

I am being forced to go through loss mitigation again so that First Home can get the additional money from the government. Essentially they are double dipping with federal money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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:
Delete these accounts XXXX XXXX XXXX XXXX XXXX  SELFREPORTED - XXXXXXXX XXXX SELFREPORTED - XXXX The personal information is incorrect 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 2023-10-30
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. Seven fraudulent accounts unauthorized identity theft : all state credit bureau opened XX/XX/XXXX balance XXXXXXXX XXXX XXXX  XXXX XXXX XXXX opened XX/XX/XXXX balance XXXXXXXX XXXX XXXX  opened XX/XX/XXXX balance XXXXXXXX XXXX XXXXXXXX XXXX opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX  XXXX XXXX opened XX/XX/XXXX balance XXXXXXXX XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX balance {$2200.00} XXXX XXXX opened XX/XX/XXXX balance {$1100.00} Fraudulent address connected to fraud : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX mi XXXX XXXX XXXX XXXX XXXX mi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi 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 2023-07-20
Company: Experian Information Solutions Inc.
State: NC
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 a settlement with XXXX XXXX XXXX dated XX/XX/2022. Where they agreed to show the account ( XXXX ) in dispute as paid in full as agreed, and inform all credit agencies of the updated status of the account. In return I would drop my lawsuit against said company. In the agreement XXXX said they would have this done in no more than ( 60 ) days. It as been over a year and all credit agencies are still showing the account. As charge off with a XXXX balance and last payment. I have tried to contact XXXX, XXXX, Experian by phone and Im told theyre not able to verify my identity. Ive sent several letters via the post office explaining Im as victim of identity along with police reports FTC identity theft report. My ID, SSN card and most recent bill and still they say they not blocked or removed the incorrect information.

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 2023-03-28
Company: Experian Information Solutions Inc.
State: TN
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:
Dates ; XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX Amounts : Up to XXXX dollars worth of accounts that are not mine currently being reported on my credit reports Action taken : I filed a police report, and went on the FTC website and signed up for ID theft prevention measures as well as filed a FTC complaint.

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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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