BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-28
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: Their investigation did not fix an error on your report

Complaint:
I am a consumer and by law i feel i am being violated and ignored because my information is constantly being misused and misrepresented and i have many false and inaccurate accounts on my credit report and i am making a formal complaint about the Unauthorized use of my credit report and personal 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 2022-12-12
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: Personal information incorrect

Complaint:
Upon checking my credit report I still see that inaccurate information on me is reporting. 

On XXXX, my name is not XXXX XXXX, my name is XXXX XXXX My address is not : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX On Experian, my name is not XXXX XXXX, my name is XXXX XXXX My address is not : XXXX XXXX XXXX XXXX, OH XXXX On XXXX my name is XXXX XXXX and not XXXX XXXX My correct name and address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH 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 2022-08-01
Company: FinCo Services Inc DBA Current
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited {$7400.00} into current account XXXX from my cashapp account that was supposed to been moved into my XXXX account XXXX from my XXXX XXXX account the 5 day money was still pending I contact them asking why was it still pending and that XXXX XXXX no records of pending payments they closed my account no response I called they said I would get email if I had a problem to email them I did no response no funds no way to get my money back nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Date : XX/XX/XXXX Amount : {$660.00} I sent a written response to the collection agency on XX/XX/XXXX. I asked the company with a Section 809 Validating Debts of the Fair Debt Collection Practices Act requesting that the collection agency provide me, in writing, the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Identify the original creditor ; Provide a verification or copy of any judgment ( if applicable ) ; Show me that you are licensed in my state, and provide me with your license numbers ( if applicable ). 

I advised that I disputed this debt ; therefore, until this debt is inaccurate. They are still reporting the debt and have not provided me with the correct documents. I explained to the collection agency that they must immediately inform this debt is in dispute. Also explained that reporting information that you know to be inaccurate or failing to reporting information correctly violates the FCRA 1681s-2.

Finally, in accordance with section 805 ( c ) - Ceasing Collections, of the Fair Debt Collection Act, I advised them to do not contact me about this or any other matter, except by official mail and then only to advise me that your debt collection efforts are being terminated or that you are taking specific actions allowed by law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01
Company: Allied Collection Services, Inc. (Nevada)
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of Identity theft, someone broke into my car and stole my wallet and luggage along with passport and ss card, I filed a police report and the investigation is ongoing, till this day. Ive never had an account with XXXX XXXX or allied collection services nor did I give anyone permission to open 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 2022-12-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name and address is incorrect, I have repeatedly asked for them to update my credit file and they refused to do 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 2019-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
issue : Capital 1 place 3 late payments on my credit report. We were never notified. We had not used the card and had no balance.

They stated there was a {$29.00} yearly fee but we never received any billing of this. We have been in our house at that time over 1 year and had received others, but this bill. They waived the {$29.00} but kept the late payment on there and closed the card. 


AC # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # 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
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
State: MI
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:
XXXXXXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX Disputed to remove because I did not authorize these inquiries

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 2022-12-12
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Its been brought to my attention that my contract is in violation of federal, U.S. Code 1605 - Determination of finance charge As well as illegally asking for a Down Payment in order to finance my XXXX  XXXX XXXX which was purchased at XXXX XXXX XXXX XXXX XXXX. List of other violations that may have been included Code S1635- right to rescission 15 U.S.Code $ 163560-right to rescind after 3 years if rescind paper work was never furnished Is U.s. code S 16356 - right to rescind and keep the property 15 U.S.Code {$1600.00} - Finance charge defined 15 U.S. Code 1662 ( b ) - mixing cash with consumer credit transaction 10

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 2022-09-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I posted my old radio on XXXX XXXX. A buyer reached out and sent the money via XXXX to me of the amount of XXXX. I received an email stating that I was not a business certified user of XXXX and in order to get the funds transferred to my Chase accountXXXX I would have to send an amount of {$300.00} and I would receive {$500.00} after the verification process was complete. I received another email saying that I would need to send a certification processing form fee of {$900.00}. At this point I realize it was fraud. I immediately called my bank to stop the transaction but the bank stated they couldnt do anything and I would have to file a police report. The police report is in process. After researching my options I found out that by law the financial institutions are responsible for reimbursement when fraud is involved. I am ask that Chase follows those guidelines and I can get reimbursed my {$300.00}. Please reach out if additional information is needed. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: EQUIFAX, INC.
State: FL
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 ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Four separate deposits were made in various amounts. 1 of the checks was returned to the maker and 3 were cleared into the account but because of the returned check, the account was closed. The checks were deposited and cleared XX/XX/2022 but have not been issued out to me as of XX/XX/2022. I've been given incorrect information nearly every time I've reached out to the institution about how to get these funds sent to me. I've been told to provide proof of deposit from the bank the money was pulled from despite the checks coming from a third party. I've been told to provide documentation that has the third party 's signature and a copy of the government identification as proof of the funds being cleared. I've been told that the check has been mailed out and would reach me by a certain time just to call back when the check didn't arrive and be told that I was given incorrect information and still have not satisfied their need for proof. It's been over a month with no straight answers or ways of resolving how to get access to my money. I don't know what else to do.

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: IL
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:
Unknown Inquires on my credit report that I did not make or give permission for. 


XXXX -XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
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: Personal information incorrect

Complaint:
There is incorrect information on my report such as : My name, XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, fl XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX fl XXXX Employer : XXXX XXXX XXXXXXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX

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 2022-12-04
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: Credit inquiries on your report that you don't recognize

Complaint:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. These are unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labelled past due. Below are the list of the disputed accounts. 
XXXX XXXX XXXX Balance Owed : {$610.00} XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2900.00} XXXX XXXXXXXX Balance Owed : {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: GA
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 submitted disputes and the FTC report for the fraudulent accounts that were opened using my identity and credit. After Equifax, XXXX, and XXXX conducted their investigation of the following accounts they still refused to remove these accounts which are fraudulent. 

EQUIFAX Merchants Adjustment - Account Number XXXX - Amount : {$360.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - EQUIFAXXXXXTRANSUNION XXXXXXXX XXXXr XXXX Account Number XXXX - Amount {$600.00} XXXX XXXX - Account Number XXXX -Amount : {$950.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My father passed away in XXXX of 2021. He has business accounts at Wells Fargo. I am the executor of the estate and have become the member and XXXX XXXX of the XXXX. Ive provided all required proof to Wells Fargo but they still arent giving me access to the accounts. At first they just kept telling me theyd call back when they found out what the next steps were but now they dont call back or return my emails. I need these accounts to XXXX  the 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 2022-12-12
Company: Marlette Funding, LLC
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: Information belongs to someone else

Complaint:
Upon cheking my credit report XX/XX/2022, I found an account belonging to someone else ( XXXX XXXX XXXX XXXX XXXX to my credit reports. My credit file, espeially XXXX, has been in special handling department for XXXX due to file merging issues. This account was kept in good standing which is why I never noticed Best Egg on my credit reports until it was reported delinquent. 

Account holder has a different middle and last name ( XXXX XXXX XXXX is my name and only name ive ever gone by ). I won my dispute with XXXX and XXXX with removing the alias name, address, and other information from my credit reports due to this inaccuracy. 

Best Egg has yet to privde PROOF of identification ( photo ID, social seurity card, selfie ) or any other supporting documentation to prove the identity of the rightful owner of the acount they're reporting. If they had proper doumentation, they could cross reference to see we are XXXX different people. 

Legal action will be taken after this attempt to resolve this issue.

Company response to consumer: Closed with explanation