BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-29
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: Old information reappears or never goes away

Complaint:
Upon checking my credit report the following accounts have been removed from my credit report but the credit bureaus have not removed them :   XXXX   XXXX   for {$370.00} and {$560.00} were removed  XXXX / XXXX / XXXX   XXXX   (    XXXX   XXXX   ) for {$200.00} was removed  XXXX / XXXX / XXXX  and  XXXX   XXXX   XXXX  for  XXXX  {$500.00} was removed  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 2016-03-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have initiated XXXX separate disputes with Experian for XXXX XXXX accounts that are reporting on my credit report. The balance, date of first date of delinquency, and status are inaccurate and Experian has sent me documents claiming to have verified it. How is this possible if the creditor has n't verified with me the alleged debtor. The address for XXXX XXXX is NOT listed on my credit report so I googled XXXX XXXX 's address and sent them XXXX letters as well. No response. I feel this company has violated my rights under the FCRA and your ( FTC ) guidelines. Attached is my credit report, letters sent to XXXX XXXX, certified receipts, & letter sent to the credit bureau. I sent a new complaint letter yesterday XXXX/XXXX/2016 via certified mail pleading for the credit bureau to take this matter seriously. 

**please see back of report under creditor contacts to see where the address is not listed** Thank you for being here for consumers to have a voice!! 

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 2021-05-24
Company: SYNCHRONY FINANCIAL
State: NY
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 XXXX, in the XXXX XXXX https : XXXX XXXX XXXX XXXX, NY store XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX salesperson XXXX asked me to become a member of the store. She explained that this would result in a soft enquiry on my credit report ; after some questions she clarified that membership means a store credit card. I agreed, based on the understanding that it would not result in a hard credit enquiry. When Synchrony bank tried to confirm my identity on the phone, I asked them to confirm that it was soft credit enquiry. They confirmed it was a hard enquiry. I asked to stop the application, but Synchrony bank said the credit check has already been run at that point. 

XXXX, and her manager XXXX, confirmed that they understood the enquiry would result in a few points drop of credit score. They nevertheless called it a soft enquiry, claiming that that's what their training taught them to say.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: Experian Information Solutions Inc.
State: IN
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 have written a letter and asked XXXX and Experian multiple times to show me prof of my signature, picture, or any proof that I had consent on the hard inquiries on my credit report. Every time they replied they couldnt show me proof of any signatures indicating that it was me that made the inquiries. By law they are supposed to remove all inquiries if they cant provide proof. They are hurting my credit score by not removing the inquiries since they dont have any proof. I have three unauthorized inquiries that I dont recognize from both companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have filed a previous complaint about this company.. I have made several attempts to get more information as to if they are a valid company to continue to take payments from me. This company called me out of the blue after I was taken to court by my apartments called XXXX XXXX in XXXX Texas. The apartments went to court in XX/XX/XXXX with informing me of the court date. They settled on an agreement and I was n't present. since this settlement I have paid a company called National XXXX System almost XXXX without even seeing the agreement that was made between them and my departments. I have requested several times for them to show proof that they are a legitimate company including XXXX lettters in the mail. I have asked for the documents that were sent to the company by my apartments on XX/XX/XXXX and I have still not recd anything. I need this company to refund me all my money back unless they can prove to me that they are legally able to take this money from me. I need this company to be notified so that they take this debt off of me or they will be sued. Attached with this complaint is the letter I recvd for the balance I owed for my apartment which was XXXX. I paid off about XXXX dollars of that and with the XXXX I have paid these apartments, that balance should have been paifd off a long time ago. I am being scammed and I refused to pay them any more money until I get this remaining balance removed from my acct.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The Credit bureau name Transunion violating of FCRA  part (  A )  ( 5 )  ( B ) this item was deleted from my credit file in  XXXX   XXXX ,   XXXX    TU r eport number  XXXX , my dispute was in  XXXX    XXXX  . Transunion reinsert this removed item from my credit report without notifying me in writing withi n five  business days. which carries a fine of {$1000.00} Also The creditor respond to credit bureau after 30 days which violating FCRA sectio n 611 part ( A ) ( 1 ) whic h carries a fine of {$1000.00} I have a copy of my update credit report showing deleted from transunion.     XXXX   XXXX   XXXX    XXXX   XXXX   XXXX  #  XXXX   XXXX , GA  XXXX  phone (  XXXX  )  XXXX  Account #  XXXX  results -- -- -Deleted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX submitted a false, discriminating, emotional distress and derogatory allegations against me and my important credit bureaus. The creditor previously submitted a hand written notation pm a notepad without letterhead overstating charges that were not backed by the parts and labor receipts required to prove the creditors actually costs. I called the collection agency numerous times and disputed the amount with all the credit bureaus. I had filed a complaint with HUD & the XXXX XXXX XXXX regarding harassment, emotional distress, mold and overcharges. My lease was paid in full XXXX XXXX and nothing could be done while HUD & the XXXX was investigating my claim. I did owe only XXXX months rent of {$740.00} for XXXX in which the creditor filed a civil judgement for, However, he accused me in the correspondence sent to the collection agency of stealing electricity, damaging the water meter, {$500.00} to clean my oven, cutting holes in the molded attic insulation, {$500.00} to clean my dogs XXXX which was barely a couple in a XXXX yard? Claiming other miscellaneous things like accusing my son living permanently with me ( {$2500.00} )? ..I was on a month to month after completely my lease in XXXX XXXX and left in XXXX XXXX.The collection agency said I was responsible for the time it takes to fix up the apt XXXX Well it does not take 3+ months to fulfill the work. The creditor filed this collection in XXXX XXXX. The collection agency has a bad XXXX reputation. ( National Credit Systems ) out of Georgia # XXXX my acct # XXXX. I have been on XXXX XXXX since XXXX and the reviews of that property have been horrible. They also filed for Chapter XXXX bankruptcy in XXXX XXXX and it was dismissed for failures to abide by the judges rulings. The attorney representing is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX # XXXX. I contacted him and he was of no help at all!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I HAVE NO PAST DUE AMOUNT WITH THIS COMPANY. WE MOVED OUT BC OF UNSAFE LIVING CONDITIONS AND WE WERE TOLD WE DID NOT OWE ANYTHING

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: CASHCALL, INC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
My identity was stolen and accounts were opened as a result this account is reporting on my credit report and with your company is fraudulent and you continue to report

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: American Credit Acceptance, LLC
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have been with this company since XXXX of 2016. I originally started making my payments in full and recently about three months ago, I started sending in weekly or bi-weekly payments because it was easier for me. I called last week to find out what the balance of my payment was due for this upcoming Friday and received an odd amount. I called back this week and spoke with three different agents who provided me with three different amounts. I spoke with a supervisor who provided me with an amount that was more than what I showed I owed. I had to go back and check my payments to just verify and the numbers just did n't add up. Their online website only provides the statement amount due and does not reflect the current balance after payments have been made, nor does the phone system. You have to speak to someone to get an answer even if it is not accurate. I am so concerned that my payments have not been accurately posted to the account. I need to figure how how someone can audit my account to ensure that I my overall balance is correct. This frightens me and it is unsettling to know that the company I have my car loan with does not have my best interest at heart and I wonder how many other customers they are getting over on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Experian Information Solutions Inc.
State: MD
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 have a bankruptcy reporting on experian, XXXX and XXXX. First of all it is illegal and against the fcra for anyone to report anything without my permission. A bankruptcy does not belong on my report because I didn't give permission. The bureaus are violating my privacy rights. I asked for debt validation of this alleged bankruptcy and received that it was validated by the US bankruptcy court. I contacted the bankruptcy court and was informed that they do not validate with any credit bureau.

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 2021-05-23
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
US bank charges me interest when I an the balance off every month.there should be no interest charge like when I pay balance off on all other credit cards I ever had or have.they say the pay off balance is different.they are ridiculous

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: ENCORE CAPITAL GROUP INC.
State: CA
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:
Iv been trying to fix my credit. Iv never had a credit card before ever in my whole entire life I was born XX/XX/XXXX. This past year of XXXX I tried getting one on a I believe a XXXX  card and I couldnt due to, to many accounts open. IV NEVER HAD A CREDIT CARD XXXX! Everything on my credit report is identity theft hello! Help me out here. My phone number my location says all. Iv never lived in Oregon. Iv lived in XXXX XXXX ca. Let me say this again Iv never lived in XXXX Oregon. I live in XXXX XXXX ca. So can you please help me out!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX Equifax and XXXX are reporting 9 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX and XXXXXXXX sinceXX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We have been in a mortgage modification process with Wells Fargo for over 4 years. 
They repeatedly state that documents were not provided when indeed they were, they request the same items over and over again, asking for unnecessary details. In 4 years they have never come to a conclusion regarding this mortgage and have indeed obtained a foreclosure when we were delivering documents consistently. They have also used a lien against a different person at a different address to deny a modification in the past.

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 2016-07-01
Company: Alliant Capital Management LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a call on my work cell phone at XXXX on XXXX/XXXX/16 from an Oregon XXXX XXXX. A voicemail was left from a female named XXXX XXXX stating that she was following up " on a potential claim that was in her office '' At no point did she identify the company she was calling from. I called the number back and was greeted with " hello '' I stated that I just received a call and was immediately transferred to XXXX. Again, at no point in time did XXXX identify the company she was calling from. After discussing a debt from American Web Loan, I stated that I would be willing to discuss a settlement offer. At this point I was transferred to XXXX XXXX in the " settlement department ''. At this point, XXXX proceeded to discuss a settlement offer. When I refused the offer and attempted to negotiate, XXXX stated that I had no grounds to negotiate and proceeded to tell me that they would be contacted my employer for garnishment and pursuing judgement against me. As I attempted to inquire further, XXXX stated that 's all I need from you and hung up while I was still speaking. I called the number back and spoke to a male that answered the phone. I asked for the name of the company and the names of the XXXX individuals I had just spoken with. The male called me by my full name as soon as he answered the phone. He did state the name of the company as Alliant Capital Management Services. He refused to give the names of the XXXX women I had just spoken with stating that he could only see extension numbers on his end. I then had to question if all employees shared the same extension numbers or they were assigned. He still refused to give me the names of the individuals I had spoken with. I have received a previous call form this aggressive collection agency in XXXX 2016. At that time I updated my contact information to include my cell phone, work cell phone, and address. In XXXX I did request a written invoice of all charges and interest that this company was trying to collect. I did not receive anything in the mail. I have not received any written request concerning this debt in over 12 months. I will be sending a cease and desist letter to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: WELLS FARGO & COMPANY
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Ever since Wells Fargo admitted wrong doing in the " new account sales scandal '' the bank has been delaying the posting of debits so that overdraft fee 's can be generated. 

The bank is resorting to tactics ( manipulating the posting of account debits to intentionally generate overdraft fees ) they previously publicly acknowledged and agreed to halt the practice thereof. 

I believe Wells Fargo Bank is resorting to unethical business practices ( described above ) to artificially boost revenue lost after the " new account sales scandal ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: EQUIFAX, INC.
State: MA
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:
Hi XXXX, Equifax and XXXX and plus XXXX XXXX ; I'm extremely confused why there still an item on my credit report that continues to shows and report incomplete, misleading, and unverifiable data. Especially there are so many inaccuracies on the way this XXXX XXXX Account is reporting between XXXX and XXXX. How come it's reporting different data and different balances. See attachments. Why XXXX saying that I owed {$1200.00}, but XXXX says that it was PAID and {$0.00} balance. Something doesnt seem right. And Equifax removed it from my credit report. I need this delete today from my credit because its reporting multiple inaccuracies, incomplete, and misleading information. 

Also, why you continue to report different misspelled and variations of my names and some unknown previous or former addresses and phone numbers. I disputed these several times in the past and I've asked that you deleted them from my credit report because it's stressing me out. delete from my credit report effective today.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing a complaint in reference to a dispute for accounts that are being reported incorrectly on my credit report XXXX XXXX who holds accounts for XXXX XXXX XXXX. The have continously ignored my request to conduct a proper investigation and report the correct account information. They have not provided me with the documents that their company have on file that was used to verify the accounts. I have sent numerous letters requesting these documents that they have yet to send. Ive contacted to original creditor and they couldnt even send me any information so how did the credit bureau very this? Under Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act- they are requested to " promptly delete all information which can not be verified '' that I sent correspondence on. I would like this matter resolved as soon as possible. This is really disrupting my livelihood the blatent disregard to send me the information requested and verify this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Delinquent account

Complaint:
Hello, my credit score and report has and is always perfect. I never pay anything late and always pay early the full amount I owe. Never a minimum balance and never had any issues with any credit cards. On XX/XX/2014 Macy 's put a delinquency on my account which I did dispute. They never send me the bill and explained to me that it was not my fault. They got the payment as soon as I called them and let them know I did n't get the bill. I paid in full a week later. They admitted they had issues and said it should not effect my credit report. Yes they did put the account in delinquency. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief