BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-09
Company: Experian Information Solutions Inc.
State: AL
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 hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX  XXXX Inaccurate XXXX   XXXX XXXX  XXXX Inaccurate XXXX  XXXX Inaccurate XXXX XXXX  Inaccurate XXXX XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.

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 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 following companies below XXXX & XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number Account Number 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 an 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 non-monetary relief
Consumer complaint received 2022-06-15
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:
In accordance with The Fair Credit Reporting Act -XXXX  XXXX XXXX  Account Number : 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 2020-05-05
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Citibank debited my checking account for 2 fraudulent checks. The checks were ( A ) dated over two years old ( B ) were already paid by Citibank two years ago ( C ) The checks were made out to the same person. The 2 checks actually have the same check number! Citibank paid it twice. Citibank 's response is that I must contact the payee who is unknown 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 explanation
Consumer complaint received 2022-01-29
Company: Netspend Corporation
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
I have not received a stimulus. Payment at the moment

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 2022-01-29
Company: Experian Information Solutions Inc.
State: IN
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: Public record information inaccurate

Complaint:
To whom it may concern hi XXXX XXXX XXXX XXXX the consumer natural person am informing you that I am aware that Experian has continued to violate my consumer rights. I have listed several violations within the documents sent, even after I have informed them not to continue in these violations and to remove these fraudulent and inaccurate information. They still continue to proceed in furnishing it to my knowledge in law Ive been violated up under multiple rules 15 USC 1692 ( a ) ( 3 ) ( 4 ) and ( b ) 15 USC 1681 ( b ). I have been injured numerous of times from Experian These injuries include but are not limited to Being denied extension of credit my reputation has been Bruised Loss of employment XXXX and mental anguish

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 2022-10-03
Company: World Omni Financial Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On Saturday XX/XX/2022. I the Consumer went into XXXX XXXX XXXX  At XXXX XXXX XXXX to trade my XXXX XXXX in for a XXXX. A Sales man did help me out. As I was doing the CREDIT application I told the sales man now that I signed my signature were now in a Consumer Credit Transaction. The sales man then brought back to finance manager. He came with a paper with all these charges totaling up to XXXX. I told the Manager I want this included in my finance charge he said that was fine. He then said I needed to put a down payment down. I advised the finance manager are familiar with the laws he said yes I said well in what law does it say a down payment is required when doing a credit transaction. I then told the finance manager that under 15 USC 1662 down payment is illegal with a consumer credit transaction. I did extend my credit to you all. He then laughed. He said a down payment is required from the banks. ( I felt very disrespected as a person. ) he then said well Ill do what I want me to do and youll receive a letter in the mail about why you were denied. WELL HE DEFINITELY DISCRIMINATED ON ME AS A CONSUMER And As Well Violated ECOA as Well as TILA. He didnt even pull my report yet to even see what I was working with. Then came back with a Adverse action paper. We asked who denied me he said youll receive a letter in mail. We continued to ask and then asked for a General manager we also asked for his card he said he did not have one. The finance manager then came back with a paperwork with the bank who denied me as a consumer. THE GENERAL Manager greeted us we asked if they had an attorney they said to call SOUTHEAST TOYOTA FINANCIAL Who Denied us to speak with an underwriter that I also requested. I SIGNED MY SIGNATURE AND YOU ALL DENIED ME AS I WAS EXTENDING MY CREDIT AS WELL AS YOU ALL DID A INQUIRY ON MY CREDIT REPORT AND DID NOT GIVE ME WHAT I WANTED IN GOOD FAITH. You all Have Violated TILA & ECOA. I filed with the Attorney General As well As FTC. If You Say You Not Violated my rights then let me know why I was denied? As a consumer I shouldve never been denied. I definitely felt discriminated on. I HAVE A FAMILY AND ALL I WANTED TO DO WAS TRADE MY CAR IN.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
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: Report provided to employer without your written authorization

Complaint:
When reviewing my credit report I notice that this inaccurate information is still in here, there are inaccurate late payments that I would like to get rid of. These late payments is hindering my life I find it hard to get approved a housing loan and even an auto loan. I am requesting you to please remove the late mark then correct and update the history to never late.

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 2022-08-15
Company: Experian Information Solutions 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:
There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items : Late Payment XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX Collection XXXX # XXXX XXXX  # XXXX XXXX  XXXX # XXXX XXXX  XXXX # XXXX XXXX  # XXXX No Category 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 2022-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2022-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On or about XXXX, I received an auto loan with Capital One. Due to personal issues, I was forced to file a Chapter XXXX Bankruptcy in Federal Court, and was required to send all monthly payments for the auto loan to the Bankruptcy XXXX, whereby he sent the payments to the creditors listed every month. Approximately, 2 years later, I converted my Bankruptcy into a Chapter XXXX, and I received a Federal Court Order in XXXX, discharging all my debts, and removing any and all liabilities on ever account, including Capital One Auto. I made arrangements with Capital One and returned the car in great condition. The car was a XXXX XXXX XXXX. The blue book value at the time far exceeded what I owed Capital One. During the years I was paying the Trustee to make my monthly payments as required by the XXXX XXXX, I was later notified that none of my payments were ever applied towards my balance, and after years, my loan balance remained the same. Since the Federal Court Order was issued, Capital One Auto has continued to report to the credit agencies that I was delinquent, past due, and states an amount owed. First, I returned the car and Capital One was able to make money on the sale of the vehicle. Second, Capital One refuses to advise me of where all my payments went and why they were not applied towards my balance. 
Third, Capital One has continued to violate the Federal Court Orders, the Federal Law on reporting requirements after bankruptcy, and violating my rights under FCRA. I no longer own the vehicle and have continued to ask that the Capital One Auto account be deleted from my credit report as they are reporting inaccurate information, they are legally required under the XXXX XXXX XXXX to not to report anything negative on my credit report. As a result of their unwillingness to follow the laws, my children and I have been significantly damaged by their illegal negative reporting. I am requesting that Capital One Auto be required to follow the laws of the Federal Government and XXXX XXXX XXXX, and due to their illegal actions for years, immediately notify the credit agencies to delete the Capital One Auto account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: Selene Finance LP
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to financial hardship, we requested a loan modification agreement from Selene Finance. The new loan terms that we received on XXXX/17 were worst than the original loan. We were asked to pay {$3000.00} by XXXX/17. In addition to {$1500.00} on XXXX/17, plus {$1500.00} on the first day of the next six months. The loan modification also increased our interest rate from 4.25 % to 5.5 %, over 40 yrs. instead of 30 yrs. We spoke with loan agent, XXXX XXXX on XXXX/17, and informed him that these terms were awful and requested to have a reinstatement quote sent instead. ; We further requested to pay the reinstatement lump sum and keep our current loan terms. XXXX said I should receive the reinstatement quote by Monday, XXXX XXXX, 2017. I still have not received the quote as of today, XXXX XXXX, 2017, although an agent this morning said that it was sent or may have gone to my spam account. I reiterate, I have not received such correspondence. I 've called my loan specialist, XXXX XXXX and still have not been issued a reinstatement amount. The agent this morning was kind enough to inform me that a foreclosure date of XXXX XXXX, 2017 had been activated. My complaint is that Selene Finance is not truly working to assist the home owner. In fact, it appears that they are working to accelerate the foreclosure procedures against us. I have provided documentation validating our hardship and loss of income. I can not understand how or why the lender would impose more strenuous financial terms in the revised loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: EQUIFAX, 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 am a victim of fraud identity theft. They are refusing to even let me access anything they have on file. From what I gather there's credit cards, mortgages and car loans taken out with my social security number for a very long time. I've never had a carloan, credit card, mortgage or what ever else they may have on file. Furthermore they told me my legal name isn't mine. Their telling to send documents I never had that aren't mine. Why would I have them? I actually don't feel safe giving them my information beings they just got caught lying by cfpb and they just had a data breach my social security number was involved in it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I deposited a check of {$7800.00} to my Bank of America checking account and the amount was available in my checking account the next day ( on XX/XX/2019 ). I had to return back money to the person who gave me this check, so I did online transfer of {$5000.00} to that person using XXXX ( on XX/XX/2019, there were 3 XXXX transfers made of {$2500.00}, {$2400.00} and {$10.00}, totaling {$5000.00} ). But, after 5 days the check that was deposited was bounced by my bank saying that the source bank ( XXXX XXXX XXXX Bank ) did not honor the check. The check amount {$7800.00} was reverted after 5 days ( on XX/XX/2019 ). Bank of America misled me into believing that the check amount is available to me for use, when it was not actually available. 

I want my money back ( {$5000.00} ), which I was cheated of because of misleading information provided by my bank ( Bank of America ). 

Thanks!

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 2017-07-20
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: Credit inquiries on your report that you don't recognize

Complaint:
I went into XXXX XXXX to open a savings account and they had a record that I had been previously denied. I informed them that I had never applied. They agreed that there was no information on file - not an address, phone number, nor email address. I went ahead and applied and was approved, they asked me for all of that information! I checked my credit report that evening and noticed not only XXXX XXXX ran my credit, but also XXXX XXXX and many other companies ... I 'd like a show of what information all these companies have as far as my authorization. I am disputing all of these inquires before 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I XXXX XXXX XXXX do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. I have submitted numerous dispute to Equifax to have inaccurate items removed from my credit report as well as some unknown things. My 3rd dispute I mailed in was on the XXXX day of XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Equifax at all in regards to my dispute I mailed in. I feel like that Equifax is purposing targeting me due to my demographic and ignoring my request. That's really taking advantage of me as if I'm not an educated man. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of stress you all are causing me. I've been in XXXX twice stressing over this. It's not fair and federal laws are being broken at this pointI.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
My credit report shows that an account with Portfolio Recovery was opened on XX/XX/XXXX for the amount of {$580.00} and on XX/XX/XXXX I sent a 609 letter to all three credit bureaus disputing this debt. I have not heard anything back from the company or the credit bureaus yet. I was recently told to check my state 's secretary of state website to make sure that all of the collection agencies on my credit report were licensed or bonded to collect in my state. While doing the search, I found out that they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: EQUIFAX, INC.
State: AL
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 have submitted online disputes, I have called by phone and disputed as well as mailed in several disputes advising the credit bureau that there are several accounts on my profile that are in reference to identity theft. 

XXXX XXXX XXXX Credit Card is listed on my profile as being opened in XX/XX/XXXX I had a fraud alert placed on my file in XX/XX/XXXX I asked them to provide proof where they investigated this account and provide proof that the creditor spoke with me to open this account and they have not done so but they are reporting this inaccurate and fraudulent account. 

I have a bankruptcy that is showing on my profile as being filed XX/XX/XXXX and being dismissed on XX/XX/XXXX there is no additional information listed on this account being showed. I spoke with the credit bureau and notified them by online, phone and mail and asked them to directly investigate and they did not they advised me that they had a 3rd party do so. They refused to advise me of the 3rd party used and who the 3rd party verified through. I have spoken with the courts clerk and was advised that know one has contacted them to directly investigate this matter. The credit bureau has blatantly fabricated to me about the direct investigation that they say have been completed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-29
Company: Global Asset Agency, Inc.
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Global Asset Agency added a bogus collection to my XXXX account that is not mines. I did not receive a written communication announcing this debt. I did not receive any written communication citing my dispute rights. I've never heard of the collection agency or the original creditor. I don't even have any voicemails or other communications from this collection agency. I believe that this agency is fraudulently trying to collect money from me for a bogus account by placing this account on my XXXX Credit report without any written or verbal communication, in hopes that I would call and pay something that I do not owe.

Company response to consumer: Closed with explanation