BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-19
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
My XXXX XXXX  account has two months reporting as late payments which they are not, my accounts are on autopay so these late payments are incorrect and need to be updated in my credit reports. The account is XXXX the months reflecting on my report are XX/XX/2021 and XX/XX/2021.

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 2017-08-23
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have spoken with support online with Best Buy Credit Card services and over the phone to try and negotiate a lower interest rate as mine is 26 %. They have refused to help me in any way. I always make my payments on time and I have been a member of their credit card company for at least 6 years. I feel I deserve a change to have my interest rate lowered. I do n't feel valued at all.

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 2019-07-14
Company: Kashia Services
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
Got a pay day loan from inbox loans on XX/XX/2018 for XXXX $ Couldnt pay it back so they started garnishing my wages and they say I owe over XXXX $ and when I try to call the loan company there is no answere and I feel this is a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Navient handed my account over to their debt collectors. That # is XXXX. 
XXXX XXXX ( my assigned account manager ) is combative and misleading.

The other account manager I believe his name is XXXX, told me I was being litigated ( XX/XX/18 phone call took place ) and this wasn't the case. He was threatening and abusive. They use scare tactics and abuse to humiliate people over the phone. Absolutely disgraceful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: EQUIFAX, INC.
State: VA
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:
Fail to investigate properly and Violated my due process right XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter back XX/XX/2022, stating They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times, and violated my DUE PROCESS RIGHTS ( Due process is the legal requirement that the state must respect all legal rights that are owed to a person. Due process balances the power of law of the land and protects the individual person from it. ) The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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 response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: EQUIFAX, INC.
State: GA
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:
Dear Sir or Madam : I am writing to dispute the following information in my file. I have circled the repossession I dispute on the attached copy of the report I received. 

This repossession is inaccurate because Equifax is reporting that my highest balance XXXX $ and XXXX  is reporting a different amount if you dont remove this wrong information Im ready to proceed with legal action because I made you all aware of this error a few months ago and this information is still incorrect. I am requesting that the item be removed Immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Experian Information Solutions Inc.
State: AL
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 have fraudulent addresses that keep reporting on my consumer report please delete these addresses from my profile.

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 2020-11-18
Company: BROKER SOLUTIONS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
New American Funding performed a hard inquiry on my profile without my permission. There was no sort of intimation at all. I would like the deletion of this inquiry from my report since I didn't authorize it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: U.S. BANCORP
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a U.S. Bank Secured Credit Card so I can start rebuilding my credit. My application for the U.S. Bank Secured Credit Card denied due to me having previous credit card and checking accounts that was discharged under XXXX XXXX  Bankruptcy in the United States District Court District of XXXX Bankruptcy Court on XXXX XXXX. U.S. Bank has violated the Equal Credit Opportunity Act ( ECOA ) under federal law by discriminating against me on the basis of my race and me filing bankruptcy and having previous accounts with U.S. Bank, discharged under XXXX XXXX Bankruptcy in connection with denial of credit.

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 2017-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX, trans union, XXXX and the ftc unknowing that I have been a victim until my life been impact my life health and job. to be XXXX XXXX XXXX XXXX and tired of these company when I 'm a victim

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 2017-08-22
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: Public record information inaccurate

Complaint:
There are 2 account being reported inaccurate on my credit report the first is and old XXXX account that was a fraud case. I have sent information to Experian repeatedly about this account but they refuse to delete account even though I have repeated documentation showing that I was a victim of fraud. The account in question was settled with XXXX and suppose to be removed. The account was remove from the other 2 CRA 's after submitting documents but Experian reuses, even after filing a prior dispute with CFPB the lied and said account no longer appears on credit report. That was a complete lie and false statement to me and CFPB the account still appears and in fact the made it worst by stating account not paid. Which is false statement. The account was paid and settled. In 2014 during a purchase of a home the loan officer ask for my documents in response to that account. He submitted them and account was changed to paid/written off, but the account was suppose to be removed per letter from XXXX for forgiveness. Documentation has been attached to prove case. There also is a medical collection account that was paid by workers comp XXXX XXXX I sustain at work. I am not liable for this since account was workers comp and paid by workers comp. I have attached 2 statements one a bill showing bill paid and another showing insurance paid because workers comp reimbursed insurance payments. Somehow this keeps coming back as verified even though I have repeated asked for Experian to show me documentation that the investigated and who verified 2 inaccurate accounts. I have still to date not received that information from Experian and they refuse to remove inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: TrueAccord Corp.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by True Accord on XX/XX/2019 regarding a debt owed by my employer to XXXX for the amount of XXXX. When I contacted True Accord they indicated the debt was owed by me personally despite having my employers phone number and address. They never indicated the debt was owed by a corporate account and instead led me to believe I was personally responsible for the debt. I disputed the debt as an individual on XX/XX/2019. On XX/XX/2019 True Accord responded that the debt was indeed owed by me as an individual and provided supporting documentation provided to them by XXXX. Upon reviewing the supporting documentation all account information was listed under my employers name and not my name personally. I contacted True Accord on XX/XX/2019 to inform them that the information they had sent me indicated this was a business account debt and not an individual debt owed by me. I was told by the representative and their manager that they were only going to seek payment from me as an individual despite the supporting documents not having my name on them anywhere. They also indicated that they would not seek the payment from the organization whose debt the name was under. When I explained their supporting documentation did not indicate the debt was in my name they claimed they had no supporting documentation despite them sending it to me via email. When I provided the name of the individual who had verified the debt and sent the supporting documentation to me they claimed no such individual was employed at True Accord. When I inquired about my personal credit rating they indicated that XXXX would be showing up against my credit report. 

I then contacted XXXX directly who confirmed that the debt was not in my name personally and was indeed the debt of my employer and that the information they provided to True Accord indicated that it was not an individual debt. XXXX also indicated that the debt would not be levied against my personal credit rating and in fact their agency was one that did not show up on credit reports 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 2017-08-22
Company: Experian Information Solutions Inc.
State: TX
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: Problem getting your free annual credit report

Complaint:
Using the annual credit report website, I attempted to obtain my report from Experian and XXXX. XXXX was successful, but when I got to the other two, they asked 4 questions to verify my identity. None of the questions applied to me at all and I answered them " none of the above ''. They then said they ca n't verify my identity and I ca n't get my report. This has happened twice in a row with both of these companies. None of the identifying questions apply, yet they say they ca n't verify my identity and I must mail in a bunch of stuff. If XXXX can ask me correct questions, so can they. I 've spoken to many people who have had the same problem. It asks about a car loan and how much my payment is, a credit card I allegedly have, and a mortgage. I have NONE of the above, yet it asks me those things, then shuts me down. I feel they do this on purpose in order to get around giving the free credit report online. It 's an ongoing issue and I 'd like my credit report from these agencies without the hassle of having to answer questions that do not apply to me.

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 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Tried to correct this numerous of times XX/XX/XXXX, XX/XX/XXXX, XXXX of XXXX XXXX Transunion And XXXX said that my disputes for verified and 100 % accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A States I have a right to privacy 15 USC 1681 Section 604 A Section2 it also states consumer reporting agency can not furnish account without written instructions 15 USC 1681 section 603 ( 3 E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. My rights has been violated and I demand that these accounts be remove immediately its been over 3 months with no evidence of the procedure of this investigation

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 2022-06-20
Company: WELLS FARGO & COMPANY
State: NJ
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:
On XX/XX/XXXX and XX/XX/XXXX I Had 10 fraudulent charges on my account totaling over XXXX dollars. I filed a claim as 9 days later I received a credit. However Wells Fargo knowing my Debit Card was being used by someone other then myself never canceled or changed card numbers. Now my card has been used again without my permission for an online gambling site. I have used this site in the past however these charges were not authorized by me. I believe these fraudulent episodes in the month of XX/XX/XXXX were related and could have been completely avoided if Wells Fargo would have canceled my debit card number after the first fraudulent dispute I filed on XX/XX/XXXX I believe. I now have to go through this entire process again because Wells Fargo did not handle this correctly and help prevent 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 explanation
Consumer complaint received 2017-08-22
Company: CNG FINANCIAL CORPORATION
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I applied for a loan and was approved. After verifying my information and checking my credit etc. I was told on the phone that the process was complete and I should be receiving my money soon, I also received an email right after that indicating that the money was sent and should be in my account within a day or two. This was FridayXX/XX/XXXX.
By Tuesday XX/XX/XXXXI still had n't received the money and when I logged into my account there was no indication I had ever even applied for a loan, so I called their number to talk to someone to figure out what was going on since I was planning on having that money and it had n't shown up ... The phone call with the customer rep lasted about 30 seconds after which I was told there was no loan that was approved, they did n't know why I would have gotten that e-mail indicating funds were sent, and then she hung up on me. After looking into the company more I see this is a common occurring theme with them, they approve your loan ( while running your credit, collecting sensitive information, etc. ) and then completely ignore you when you follow up on it. At this point my checking account is now negative because I received confirmation that the loan funds were sent and they never showed. I would advise everyone to stay away from this company because you 'll only make your situation worse. To take advantage of people who are already facing financial hardship is appalling. I 'm also worried they will still take out the loan repayment now, because it seems like how they make their money is preying on people who ca n't afford to fight back. Attached are copies of the confirmation I was being sent funds and that it was finalized ( it literally says " they 're on the way '' ), the overdrafts in my checking account from bills scheduled I was planning on being able to pay ( and there will probably be more, because of them ), and the view of my account when I sign in showing absolutely nothing other than an " APPLY FOR A LOAN '' button.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: SUNRISE CREDIT SERVICES, INC
State: DE
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 the account with sunrise credit services, has violated my rights. 
In the amount of {$780.00}, opened on XX/XX/2021. 

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

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 2017-08-22
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a Notice of Servicing Transfer on XXXX/XXXX/XXXX stating that XXXX XXXX sold my loan to Carrington Mtg Services LLC effective XXXX/XXXX/XXXX. I called Carrington Mtg on XXXX/XXXX/XXXX to see what my new account number will be to reference on my mortgage payments. They stated that it will take 4-6 weeks for them to board my loan and that I need to call back every week to see if they have put my loan on the system. They state they ca n't accept a payment until it is on the system & they claim I wo n't be late until 60 days after the transfer. They ca n't give me anything in writing stating this & its absurd that I have to call every week to see if they did their job to make a payment on my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: Experian Information Solutions Inc.
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXXXXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXXXXXX XXXX  XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX 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.

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