BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-10
Company: Experian Information Solutions Inc.
State: KS
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:
The credit bureau is reporting medical collection debts against me that violate the No Suprises Act. The debts stemming from charges that exceed the amounts permitted under the No Surprise Act. Also the credit bureau or collection agency has been unable to send me any documentation or HIPPA authorization when requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: EQUIFAX, INC.
State: PA
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:
On the date of XX/XX/26 all three credit bureaus were sent a Federal Trade Commissions affidavit, also a picture of my ID, picture of my ssn number also a untility bill in which I was following all rules set forth with sending these to the companies to block and remove fraudulent accounts that I have stated in my Word document that I sent over also. All three of the bureaus disreguarded the law and stated that they would remove and gave me confirmation numbers stating they was going to be removed and the accounts are still negative on all my accounts. The law that in referring to is 15 U.S. Code 1681c2 - Block of information resulting from identity theft a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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.

They failed to remove anything from my reports today marks 15 days since I made these reports and gave notice. 




XXXX XXXX Account number # XXXX XXXX XXXX Account XXXX # XXXX XXXX XXXX XXXX Account XXXX # XXXX XXXX XXXX Account number # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX I will also attach the names of the representatives I talked to with the confirmation numbers that were given to me stating accounts would be removed 5 days later in which it wasnt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My ex-husband filed for bankruptcy on XX/XX/2013 and submitted the application with my forged signature. I did not sign or file any paperwork for this bankruptcy and had no knowledge of it being filed until yesterday. It is on my credit and affecting me greatly. I would like it to be removed. I have filed fraud case with the department of justice today. I have proof that we were n't married at the time he did this and that my signature was forged.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: PA
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:
On the date of XX/XX/26 all three credit bureaus were sent a Federal Trade Commissions affidavit, also a picture of my ID, picture of my ssn number also a untility bill in which I was following all rules set forth with sending these to the companies to block and remove fraudulent accounts that I have stated in my Word document that I sent over also. All three of the bureaus disreguarded the law and stated that they would remove and gave me confirmation numbers stating they was going to be removed and the accounts are still negative on all my accounts. The law that in referring to is 15 U.S. Code 1681c2 - Block of information resulting from identity theft a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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. 

They failed to remove anything from my reports today marks 15 days since I made these reports and gave notice. 




XXXX bank Account number # XXXX XXXX XXXX  Account XXXX # XXXX XXXX XXXX XXXX Account XXXX # XXXX XXXX XXXX Account number # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX I will also attach the names of the representatives I talked to with the confirmation numbers that were given to me stating accounts would be removed 5 days later in which it wasnt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made my payment online to Barclays on Saturday, XX/XX/2022 at XXXX. It was due on Sunday, XX/XX/XXXX. The payment went through on Monday, XX/XX/2022. I woke up on Tuesday, XX/XX/XXXX to my bank account being {$140.00} in the negative because Barclay 's hit my account again for the same payment without my approval or initiation at all. I called Barclays and could not get through. I then called my bank, XXXX Bank, who informed me that Barclays screwed up and did this to all of their customers and XXXX worked feverishly to resolve this and they put the money back into my account. Now today, XX/XX/2022 Barclay has called my home rudely waking me up to tell me that my payment was reversed??? THEY REVERSED IT!! The money was always there. Barclay 's screwed up, debited my account twice and appears to have then reversed the incorrect and proper payment. And now they want to hit me with late charges. This was completely Barclay 's fault as I have been with this company for at least 5 or 6 years and have never had a problem. And now while waiting for resolutions have been disconnected... This is a horrible mess up and presentation by Barclays and I, the consumer seem to have be the one to pay for 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 monetary relief
Consumer complaint received 2016-09-29
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX Mortgage company had reported me to all credit bureaus as FORECLOSURE HAD STARTED -- -absolutely complete lie!! I had reached out to Consumer financial protection agency to get XXXX to own up to their errors, which they did and finally XXXX sent me a letter to inform me that XXXX would contact all credit bureau agencies to repair the damage. Equifax will not accept the letter from XXXX they want an " electronic deletion from XXXX directly ''. XXXX is not entertaining my request and told me they already sent the letter and that 's enough. I do not feel I am being treated fairly from Equifax! XXXX account needs to be PERMANTLY removed from my credit reports as well as the HARMFUL " foreclosure '' remark needs to be removed from all XXXX credit agencies : EQUIFAX, XXXX AND XXXX!!! I have monitor systems on all these accounts and the foreclosure is still being reported!! 
Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax continues to claim XXXX public records of bankruptcies on my credit report are being " verified '' by XXXX, their public record information vendor ( attached XXXX ). 
My personal file with XXXX XXXX is frozen and suppressed ( attached XXXX ). 
I am disputing the Equifax verification process of these alleged public records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: ONY GLO, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We fell behind on our mortgage, we received letters from our lender, we filed modification docs. Lender replied we didn't qualify. We contacted XXXX XXXX XXXX XXXX to file a chapter XXXX bankruptcy. we met with XXXX XXXX and explained our hardships and situation regarding health I got an XX/XX/XXXXmy wife recovering from XXXX, diagnosed with clinical XXXX we both lost our jobs. we could only pay 75 % of the retainer fee. XXXX XXXX agreed and replied no worries your in good hands and well get the court to pay the rest. our home was set for sale on XX/XX/XXXX. we hired XXXXXX/XX/XXXX in XXXX. we signed the retainer and where relieved, the explanation given was the courts will lend you the money to pay lender and then you pay the courts. Time passed we kept asking what he needed from us he would reply not to worry hes taking care of it we have plenty of time. we kept asking for court docs. he kept saying not to worry. Well our house was sold on XXXX XXXX, XXXX. We spoke to XXXX to fix it. Nothing it is what it is he replied. Then he has the nerve to say that he could help recover the surplus funds. And wanted us to sign a retainer. We hired a lawyer to stop eviction and to file wrongful foreclosure suit and we have until the XXXX of XXXX XXXX to get out and the lawyer did not do as requested to give notice of a lawsuit pending. And we can't find the lawyer fir the lawsuit they don't answer our call texts or emails. And to top it off we where diagnosed with XXXX, and the judge gave the order to evict by lockout. On a good note I've been doing my research and found that we have a lot of forged documents from our mortgage loan. and realtor agent. And I m looking at the court docs. For they look like they are too. We are at the mercy of human kindness at this point because we are going to be homeless myself and my wife and my XXXX children. Some help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: AC AutoPay LLC, Denver, CO Branch
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
They lied to me about saying I had no choice but to buy their warranty and gap insurance, they told me they had recorded calls of me and never informed me I was being recoreded, my friend refered me and he said they waived his doc fee because they liked her but when I asked they said no unless I buy their gap and warranty.

Company response to consumer: Untimely response
Consumer complaint received 2021-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Regardless of the multiple written requests, the unverified accounts and inquiries listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXX XXXX Balance {$4600.00} XX/XX/XXXX Inquired on XX/XX/2020 XX/XX/XXXX Inquired on XX/XX/2020XX/XX/XXXX Inquired on XX/XX/2020 XXXX Inquired on XX/XX/2020 XX/XX/XXXXnquired on XX/XX/2020 XXXXXX/XX/XXXX Inquired on XX/XX/2020 XX/XX/XXXX Inquired on XX/XX/2020 XXXXXX/XX/XXXX Inquired on XX/XX/2020 XXXXXX/XX/XXXX Inquired on XX/XX/2020 XXXXXX/XX/XXXX Inquired on XX/XX/2020 2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: CITIBANK, N.A.
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, this creditor ( CBNA or CitiBank North America ) has violated my rights. Under 15USC1681 Section 602 states that I have the right to privacy. 15USC1681 Section 604-A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B, a creditor may not treat a payment on a credit card account under an open-ended 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 explanation
Consumer complaint received 2021-01-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020, I was charged {$350.00} that I didn't make on my Capital One credit card. When I saw the charge got posted to my account, I immediately disputed the charge with Capital One where they said they will open an investigation and give me a credit for the amount in the time being. On XX/XX/2020, I received a letter saying that their investigation concludes there was no indication of fraud and the charge will be added back to my account. I called Capital One and spoke with them for over an hour telling them that I did not make that transaction at all and I shouldn't have to pay for something I didn't make. They told me that unfortunately their hands are tied and can't do anything about it. 

I was in XXXX for the holidays at the time and I was putting gas in on my last day to re-fill the gas tank of my rental car. When it was time to pay, I handed the worker my credit card where he got possession of my card and went somewhere where I couldn't see him. I believe it was at that time where the worker charged me for that {$350.00} without me knowing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft, these accounts I had nothing to do with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My son 's student load through Sally Mae now being handled by Navinet has enrolled me in loan deferment/forbearance in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I was not directed to enroll in an income driven repayment plan but to keep applying for loan deferment/ forbearance. I am not sure of the breakdown or even if the amount I owe of {$100000.00} is correct. 

I only signed for one loan in XXXX for a total amount of {$12000.00}. 

I in attempt to repay this loan now am being told I owe {$1100.00} a month due to high interest rate and number of times I was directed to enroll in loan forbearance instead of income driven repayment plans. 

I am XXXX years old and this loan will cause undue hardship on me not to mention the fact I feel it was mishandled. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: WELLS FARGO & COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I tried closing my checking and savings account with Wells Fargo, but was told to call back. I did, and was told to call back and informed I would n't be charged a fee for having a XXXX balance if I kept the accounts opened. I still want to close the accounts, but now am assessed a fee. I 'd like the fees to be waived and my accounts closed. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-24
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The following account is inaccurate and fraudulent. I did not own the following debt. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureaus do not have any input about the debt, please see attachment. 



XXXX XXXX XXXX / XXXX / {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Bread Financial Holdings, Inc.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-07
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had a Business Checking Account with Wells Fargo and they withdrew a service charge every month until the account had nothing left without my knowledge ...

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 2021-01-08
Company: WELLS FARGO & COMPANY
State: TX
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:
( 1 ) On XX/XX/2020, they mailed me a letter ( a copy is attached ) " to ensure [ I ] received a payment check for {$210.00}, as [ their ] records indicate the check has not been cashed ''.

( 2 ) I called them around XXXX XXXX  on XX/XX/2020 and informed them that I have not received the money. I was told that I would received the check within 30 days. However, I did not receive anything ( 3 ) I called them on XX/XX/2020 around XXXX XXXX and they insisted that my check was cashed. This is completely false/lie and I swear that I did not get the check. I asked them for a proof and they told me that they would send it by mail. However, I did not receive anything. I filed a fraud report and they gave me a case # : XXXX. I am supposed to get back from them and I never heard anything back. I feel that they are just wasting my time and want me to get sick and forget. However, this is completely unfair and I believe it is important that my story is published online and people know about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: MA
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:
Experian has been violating 15 U.S.C. 1681 by reporting inaccurate credit reports on my consumer file and sharing medical information. They have been sharing my personal information without conducting an investigative consumer report, pursuant to 15 U.S.C. 1681a ( e ). They have never asked for my written consent to do so.

Also under 15 U.S.C. 1681 ( 4 ) by Experian not exercising their grave responsibility with fairness and impartiality, also by them reporting inaccuracies on my consumer file, they have not respected my right to privacy.

Also pursuant to 15 U.S.C. 1681 ( 3 ) Experian has assumed a vital role in assembling and evaluating my consumer credit, and they have not done this, nor can they provide me with information that they have done so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: Continental Credit Control
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My wife had a medical procedure XXXX years ago. They submitted the bill to XXXX XXXX using my wife 's old account. Months ago I spoke with Continental Credit Control and to XXXX XXXX who said they found the medical bill and would put it through for payment. I thought end of story. But yesterday we received a statement dated XXXX/XXXX/16 from Continental Credit Control showing {$410.00} due, including 10 % interest. We spoke with Continental Credit Control this morning and the first thing they insisted that we make payment over the phone and then they would take it off of the credit report. Only after back and forth conversation did he recheck and tell us that they RECEIVED payment back in XXXX! A statement sent in XXXX for a payment made in XXXX? Well, a month ago we were DENIED a credit card because of bad credit! To add insult to injury, Continental had the gall to tell us we still owed the interest due!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: FORD MOTOR CREDIT CO.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX. I have account with Ford interest advantage. I got the call from Ford interest advantage customer service that XXXX counterfeit checks were paid from my account. 
I tried to resolve this matter with the company but was not successful. I want my money back Please assist.

Company response to consumer: Closed with monetary relief