BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This complaint is here to follow up on these accounts to be removed or blocked as soon as feasible : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$7100.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} You must remove/block any accounts that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2023-03-22
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Please help me to validate the misreporting on my credit report and update my XXXX XXXX and accounts found in my credit file.

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 2023-03-22
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 information incorrect

Complaint:
The account is XXXX XXXX # XXXX .... 

I've mailed 3 certified letters over a period of 3 years to Experian to verify this account belongs to me and they say that it does. How can that be if the account hasn't been updated in 4 years. Experian could not have done an investigation with XXXX and not have updated the account in 4 years. They lied. 

I want this account deleted from my credit report immediately or I will file a lawsuit.

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 2023-03-22
Company: CHARLES SCHWAB CORPORATION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Schwabb has done 2 investigations both yielding the same and inaccurate result about a fraud claim. They are using the same reason as the first time to deny my claim. I have stated on here the CFPB that I have been defrauded and Schwabb is doing absolutely nothing about it. I did NOT authorize any transactions and DID NOT receive any sort of merchandise or services for the money taken by the merchant from my account. There has been zero exchange of goods and services between me and the merchant. Schwabb has called and left voicemails, they have VERY limited hours for the department I am to speak to, and when I call the point person assigned to my case he nor anybody in the department picks up the phone. They closed a second " investigation '' without doing ANY investigating. They never spoke to me, and more importantly they still haven't said ANYTHING about reaching out to the merchant about this. And the reason for that is because THEY CAN'T REACH THE MERCHANT, BECAUSE THE MERCHANT KNOWS THEY ARE DEFRAUDING PEOPLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: WELLS FARGO & COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
In 2018, I had a car loan with Wells Fargo. It was a high interest rate and was told that i must buy gap insurance. 
I understand that there was a government law suit for this. I want to see if I have a settlement. 
My new phone # XXXX. 
New email : 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 2023-03-22
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX 
Account Number XXXXXXXX XXXX XXXX XXXX Account Number  XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-22
Company: Skopos Financial, LLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I've reached out to Skopos Financial several of times in regards to this old information that is being reported on my credit report that isn't supposed to be. This item is well over 8 years old and has been reporting for the last 7 years. It is well past statue of limitations. This item is hurting me financially, mentally and emotionally. I am unable to move forward with this old item still being reported. It needs to be removed immediately, otherwise I will be forced seek and obtain legal representation to have this item removed and other compensations to rectify this matter.

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 2023-03-22
Company: Nelnet, Inc.
State: MI
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:
XX/XX/2022, I contacted the compay to advise I was impacted by COVID ( owner of business died and my son 's father lost his job as a result. I lost income and was responsible for all bills ). I asked for my options to pause payments and requested a payment pause. In XXXX, I was able to resume payments and found my loan was 120 days past due. When my auto lease was due to be turned in, I was shown my credit score, which was severely impacted by missed payments on my student loans. I contacted the company and made payments. I was told I was only due for XXXX, which is not XXXX due and should not have been marked late prior to XXXX. Additionally, the company sent me text messages saying they are processing a Repayment Discharge. I feel Nelnet 's practices are confusing, as when I make payments, I am unable to see how they are being applied since they split the total into 2 loans. Therefore, when they mark a payment late for credit reporting, it's 2 separate tradelines with negative reporting for the same payment, which is more negative to consumers. The confusing and misleading information communicated by Nelnet is harmful to consumers and has had a huge, negative impact on my credit and ability to secure affordable borrow terms on future credit transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-22
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
I CHECKED MY CREDIT REPORT AND SEEN THAT I HAVE THESE INQUIRY ON MY CREDIT REPORT THAT I HAVE NO KNOWLEDGE OF AT ALL I ALSO HAVE FRAUD ALERT ON MY CREDIT REPORT AND THEY ARE SUPPOSE TO CALL TO VERIFYTHAT IT IS ME AND DID NOT              nquiry date XXXX XXXX XXXX  Removal date
XXXX  XXXX  Additional details
Business type
Finance, personal
Contact info
Address
XXXX XXXX XXXX XXXX,OHXXXX
Phone number
(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 2023-03-22
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX, while I was on the phone with a Synchrony representative, I made a payment of {$190.00} to pay off the promotional purchase of {$190.00} I had that was subject to interest charges. I told the representative to apply that full payment to the full balance of the purchase and to ensure my automatic payment on XX/XX/XXXX of {$270.00} was not impacted. He verified that the payment would pay off the promotional purchase charging interest ( so no interest would be charged ) and my automatic payment would draft as normal. On XX/XX/XXXX my automatic payment drafted for {$58.00}, {$190.00} less than my normal automatic draft amount, and both payments were spread across all purchases. So the one purchase I had charging interest was not paid off as requested. Now I've been charged interest on a balance that I specifically requested be paid off. I've now called three times trying to get this corrected and nothing has been done on my account. Synchrony even sent me a letter on XX/XX/17 saying that I did not make any payment. I feel like this is fraud on Synchrony 's part, and the company is purposely not applying my payments correctly so they can charge me interest. My purchase with interest charges should be reflected as paid in full and my automatic draft amount should draft as normal.

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 2023-03-22
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: TN
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, 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2023-03-22
Company: Genesis FS Card Services, 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: Information belongs to someone else

Complaint:
I never applied for this credit card in particular. I've only applied for ones through my XXXX  account, based on my credit score and this MILESTONE MASTERCARD was never listed. The account is now open on my credit report and I want them to close it. I missed the 30days to close deadline, per my email from XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
On XX/XX/XXXX I was alerted by XXXX that a fraudulent credit card application for an XXXX  XXXX credit card had been submitted to Bank of America in my name. 
On XX/XX/XXXX I contacted Bank of America and alerted them to the fraudulent credit card application. I was assured that the hard inquiry would be removed from my XXXX credit report and that I would receive communication regarding Bank of America 's fraud investigation. These were false statements. 
I contacted Bank of America in XX/XX/XXXX and XX/XX/XXXX about this and was told that the hard inquiry would be removed from my XXXX credit report and that I would receive communication regarding Bank of America 's fraud investigation. These were false statements. 
As of today I have never received communication from Bank of America on this fraudulent credit application, and the hard inquiry remains on my XXXX credit report. Bank of America has violated the Fair Credit Reporting Act ( FCRA ) by not resolving this within 90 days, and so under the FCRA is civilly liable to me for " actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater '' ( 15 USC 1681n ( a ) ( 1 ) ( B ) ).

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 2023-03-22
Company: EQUIFAX, INC.
State: IL
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 accordance with the Fair Credit Reporting Act everything has to be 100 % correct. 

XXXX XXXX XXXX The credit bureaus stated my account was properly investigated but the account type, the open date, credit limit, high credit, last reported, date last active, and the date of last payment are not accurate. This is ground for removal. 

They have also violated my rights under 15 U.S.C 1681 section 602A. It states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 ; Also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: EQUIFAX, 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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: WI
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX Date of Birth : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to dispute the negative information that appears on my credit report, as required by the Fair Credit Reporting Act ( FCRA ) section 611. 

There are several items on my report that are inaccurate and should be removed immediately to ensure the accuracy of my credit report. These items include : The name XXXX XXXX XXXX, which does not belong to me, is listed on my report. This violates the FCRA 's requirement that credit reporting agencies report accurate information about consumers. 

The following addresses are listed on my report that do not belong to me : 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 This violates the FCRA 's requirement that credit reporting agencies report accurate information about consumers. 

The employer XXXX XXXX XXXX  is listed on my report, but I have never been employed by this company. This violates the FCRA 's requirement that credit reporting agencies report accurate information about consumers. 

Several accounts on my report, including DEPT OF EDXXXX ( account numbers XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have payment histories even though they have been charged off. This violates the FCRA 's requirement that credit reporting agencies report accurate information about consumers. 

The account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has inaccurate information regarding payment status, balance, comments, payment history, and account number. This violates the FCRA 's requirement that credit reporting agencies report accurate information about consumers. 

I request that these items be deleted from my report immediately in compliance with the FCRA. I also request that you provide me with a free copy of my credit report, as required by FCRA section 612. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-03-22
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX I received an alert of a hard credit hit from XXXX from Macys and then later that evening I received an email notifying me of my new Macy 's citibank card that was just opened. I did not open a card. I on XX/XX/XXXX as soon as the customer service line opened to close and dispute the account and any charges but they were unable to tell me where or who opened the card. I am concerned that someone has my information. Also, the email that was sent did not provide any contact information for Macy 's or citibank, I had to find that information myself and it was not easy to obtain. They should be required to add that information on the email stating that if you did not open this card to call the number immediately.

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 2023-03-22
Company: Alliant Capital Management LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Good Day, I am filing this complaint against XXXX XXXX and XXXX XXXX XXXX for whom he represents. 

XXXX has called me almost daily since XX/XX/2023, leaving me messages to call him back. Then yesterday, on XX/XX/2023, XXXX took it too far when he called all 4 of my brothers and my wife. I have no problem with someone contacting me repeatedly through phone, text, e-mail or any means necessary, but when you reach out to my family that with the exception of my wife, does not need to know my financial situation. This is unacceptable behavior from anyone, even a debt collector. 

The Fair Debt Collection Practices Act requires written notification, which I have yet to receive. Further, Florida State Law Section XXXIII, Chapter 559, Section 715 requires that when trying to collect a debt of someone residing in Florida, a written notice must be provided at least 30 days prior to any attempt to collect a debt. I have yet to receive any written notice from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation