BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-23
Company: Experian Information Solutions Inc.
State: OH
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 disputed information on my experian credit report. That is incorrect, unverified, not mine, Also goes against metro 2 credit reporting act. These accounts are not mine but experian refuses to remove them. There is no verification on these accounts. 
I asked for signed copies of original contracts and have been waiting to receive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08
Company: EQUIFAX, 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 account listed below 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. 

XXXX ID : XXXX Account Number ( Last XXXX ) : XXXX Owner : XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX 
XXXX XXXX XXXX : {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 account listed below 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. 

XXXX ID : XXXX Account Number ( Last 4 ) : XXXX Owner : XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX  XXXX. 
XXXX XXXX XXXX : {$1900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a loan with Bank of America. We agreed to terms on a modification agreement, the agreement was supposed to start in XXXX, 2022. I made my payments during the trial period. I have proof of mailing that the modification agreement was sent to them. Bank of America now is saying they have no record of the agreement on file and my loan is in default. Bank of America is currently sending me paperwork for a new proposed modification agreement but the interest rate is substantially higher than the last agreement.

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 2021-02-03
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
Experian will not raise a credit score unless you sign up for Boost. The other 2 agencies give a score in the 700s.. Experian gives 612. That should be illegal. I paid off all collections and unless I pay for Boost, they are costing me higher interest rates and forced to pay a PMI when we get our mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022 and XX/XX/2022 I received two fraudulent charges on my wellsfargo account for the amount of {$4900.00} and {$3200.00}. Immediately I contacted wellsfargo and reported the non authorized charge, they started an investigation that took 20 days for them to tell me since the money went out my account it was not fraudulent. Again i did not made those purchase or authorize anyone to make 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 2023-11-09
Company: Experian Information Solutions Inc.
State: AL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX 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 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 2023-12-06
Company: Experian Information Solutions Inc.
State: MI
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 Do not recognize these credit inquiries. I've ask and pleaded with Experian to have them removed. I did not get any kind of help. I am also providing a copy of a Identity report attached with my FTC Report number. I am requesting that the Inquiries be removed because inaccuracies and not mine. 

Inquires 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 FTC directed me to CFPB being that I have a file active..

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 2022-12-05
Company: ARVEST BANK GROUP, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX - Closing on my mortgage with Arvest Bank account XXXX XXXX - Monthly mortgage payment came out of my checking account via the automatic withdraw that had been set up XXXX - called Arvest bank and agent advised i will be reimbursed via my checking account the monthly mortgage payment that came out by mistake. Provided my checking account and routing number for reimbursement Week of XXXX called 2x and told i will be getting reimbursement soon XXXX - called again as no reimbursement received. I was told a different story that my reimbursement for my mortgage payment will be with my escrow reimbursement and check will be mailed next day. I was told a total of {$3500.00} will be reimbursed for escrow and payment that came out incorrectly. I provided my new address as the company was planning on sending the reimbursement to the address of the home i sold. 
XXXX - No reimbursement received. On hold with the bank again for 1 hr and told my issue has been escalated. Asked to speak to a manager and told that i could not be transferred to a manager and that a manager will call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-01-27
Company: FinCo Services Inc DBA Current
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX, an identity theft happened to me. The attacker pretended to be me and requested an esim, which XXXX my access to my number and I was no longer able to receive an calls and texts. Then they logged into my Current ( current.com ) account, because Current only required a text to the registered number to log in, and that was my stolen number. I had {$6000.00} in my Current saving XXXX but the attacker transferred them into a spending account, and then attacker made transactions to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but I was in XXXX ) and " XXXX XXXX '', and the fraudulent transactions totaled to be {$3500.00}. I filed a dispute and attached the identity theft report, but the dispute was declined. The attacker also made several transfers to other Current users on XX/XX/XXXX and XXXX, and it totaled to be {$2400.00}. I also disputed the transfer and got this money back. 

However, my Current account was hacked again on XX/XX/XXXX. I got an notification of a new log in that I did not recognize, and the attacker then made an {$1900.00} transaction to " XXXX XXXX ''. I disputed the transaction again but the dispute was also declined. 

In sum, there was a total of {$5500.00} in fraudulent transactions that Current declines to refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2019-11-16
Company: FREEDOM FINANCIAL NETWORK
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
This is for services Freedom Debt Relief ( FDR ) offered but was misleading there were added fees which was not mentioned. That I had Initially asked about before agreeing to use their services and I was told there would only be a monthly service fee that would cover all of there service fees spreading it out over a few years and the dedicated they offered through XXXX XXXX XXXX ( XXXX ) would be to pay creditors. I had FDR program from XX/XX/2019 and was cancelled XX/XX/2019 I made deposits totaling {$1000.00} to a dedicated account. The dedicated account which I was told my money would stay to cover creditors settlements and I would have access to withdraw or deposit money but I wasnt able to do that because its controlled by FDR. I called XXXX to reverse the fees but they said only FDR could do so. FDR Only sent {$20.00} to the creditors which should have been paid off with the {$1000.00} I sent them on two different accounts. They only refunded me {$34.00} back to my checking account and apologized for the misleading information. I would like to join in a consumer lawsuit against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
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 Experian LLC 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. 

XXXX XXXX XXXX  Original creditor : XXXX XXXX Account number : XXXX XXXX XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX Account number : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account numberXXXX XXXX XXXX XXXX Account number : XXXX XXXXXXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : 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 XXXX Account Number : XXXX XXXX - Inquiry date - XX/XX/2021 XXXX - Inquiry date - XX/XX/202XXXX 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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  XXXX Acct # XXXX. 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2023-05-23
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'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 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 explanation
Consumer complaint received 2022-12-05
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Good Morning today Monday XXXX XXXX i went to an ATM ( Wellsfargo Bank ) located in XXXX, Florida, when i requested the money to the ATM never came the money the message was Cash Currently unavialable at this ATM ( the amount was for {$1000.00} ) i received an email from the bank wellsfargo showing that same message, the problem is that the Bank remove the funds from my account and now i dont have the {$1000.00} available, i called to the customer service team and they are telling me that they can take up to 10 business days to have the founds into my account, Is impossible that is taking to long to have a solution where the only affect person if me, the found is to make the payment of my Rent and they dont care. It is very frustrating that Wells Fargo is so inoperative and plays in this way with the money of people who do not have larges sums of money, it is clear that they do not care about us at all, they are responsible for their ATMs and can not take 10 days skillful to give a solution ; Now I am going to have to pay a surcharge on my rent XXXX even expose to an eviction process. I AM FRUSTRATING

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 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05
Company: FinCo Services Inc DBA Current
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have a checking account with Current online bank. After I got out of the hospital I found that my account did not have the money in there that was there prior. It looked like someone sent themselves money through XXXX XXXX  or something and all of it was unauthorized transactions! I live in a small town with no family and really no friends so I dont have anybody looking after these things for me or checking my bank accounts for me. I was very sick and had no clue this had happened until way later when I returned home and noticed when I went to pay for some medication through that account! I spoke to them on the phone and explained my situation and they acted as if they were going to help me in my favor. I have been waiting and waiting and just looked and it said that it was closed and I chatted with an agent and he said that I will not be refunded and that the case was closed. They never notified me or anything to let me know any of this! I dont know what they base their decision off of but its unacceptable. I would hundred percent did not do or authorize those transactions and Im being made to suffer because they are basically calling me A liar as far as Im concerned! I have never dealt with a bank that does not honor the client in a situation like this! I am in tears and shaking Im so upset and confused. I am broke and desperately need to be refunded that money back. I have attached pictures of the amount and dates and details from my account! If clarification or more details needed you can reach me at XXXX or at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
MIDLAND CREDIT MANAGEMENT HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$610.00} DOLLARS. THE COLLECTION HAS BEEN REPORTED AS A PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation