BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-30
Company: American First Finance, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
EXPLOITATION BY AMERICAN XXXX STORE AND AMERICAN XXXX XXXX This is to lodge a complain in respect of the purchase made at the worth of {$1300.00} in XX/XX/XXXX. 

At the point of the contract, I requested for a one year interest free loan, of which I was made to know that I only qualified for a-three month interest free loan, which I agreed to. 

Sequel to this, an authorization was given by me for automatic direct deductions from my bank account within the stipulated period of three months by the company. 

I have not been paying attention to the deductions from my account to know that the company has deducted more than the exact amount needed to be deducted. A mail was received yesterday, XXXX XXXX, XXXX in respect of deductions to be made on XXXX XXXX, XXXX and I pulled a call across to the company only to discover that the said company has deducted {$1500.00} and still expects me to pay a balance of {$1500.00} which is will make the total money a sum of XXXX, making it an excess of {$1800.00}, which is unwelcome by me. 

I wish to request that the company should refund the excess deductions made from my account, as they purposely spread out the loan beyond three months agreed on, for their own selfish interest which is summarily to me a deceit. This is an unfair business transaction and they are exploiting American citizens by being deceitful and manipulative. 

Thank you in advance for your timely intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Alliance One, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX I received a call from XXXX on my cell phone, number XXXX which I ignored, they then called my work number immediately at XXXX. I picked up, they hung up on me immediately. I called them back to find out who they were, the lady was rude, I asked why they called my work line and hung up, she said they didn't they didn't talk to anyone, I said that is because when I answered and said it was a recorded line they disconnected. Calling and hanging up on someone isn't okay. Also, I have no idea who they are except a debt collector as I have received no correspondence of any kind from alliance one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30
Company: Global Lending Services LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2023 at XXXXXXXX XXXX I received a bill collectors call from Global Lending looking for XXXX XXXX. This is not the first time I have received phone calls or voicemails from this company for XXXX.I am not XXXX XXXX. Im not responsible for her debt. The number they are calling me from is XXXX. They keep leaving voicemails and Im personally fed up. I asked them several times to put my name on the do not call list. I feel the company is harassing me for someone elses poor credit decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
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: Credit inquiries on your report that you don't recognize

Complaint:
Hard inquiries that are associated with the unauthorized and fraudulent activity that was previously disputed are visible on my credit report and needs to be deleted. Transunion- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX Still visible on my credit report

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 2023-09-06
Company: WELLS FARGO & COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019 my apartment at XXXX XXXX XXXX XXXX XXXX flooded and looted and I had to abandon the apartment and someone got a hold of my credentials and debit cards and fraudulently committed fraudulent charges and fraudulent transactions and depleted all of my Wells Fargo Bank accounts. XXXX XXXX XXXX and XXXX was affected by the financial fraud also but immediately accepted responsibility. Wells Fargo Bank has not accepted responsibility.I submitted DC police report 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 2023-07-02
Company: Bull City Financial Solutions, Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Hi my name is XXXX XXXX SSN # XXXX Birthday XX/XX/XXXX. I spoke with XXXX XXXX about a debt that wasn't mine from the beginning.On XX/XX/XXXX a third party contact and reported to my Cosomure report. Under law I did not give them permission or sign any disclosure for them to do so.I attempted to contact all three bureaus with the copies of my Police report through certified mail and still was ignored. This brings me to contact you being as the 3 bureaus seem to be above the law. Can you please look into this matter Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: Nelnet, Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
The company Nelnet changed my payment history this year XXXX XXXX from all on time payments to late or missed payments from the months XX/XX/XXXX-XX/XX/XXXX. They just decided that somehow I was late on payments that I have been on income repayment program since I withdrew from the university and they loans had been credited back to The Dept of Education. Back in XXXX, I withdrew before the new semester started and have proof the loans were sent back. When I contacted Nelnet about the issue they said they only collect payment for the dept of education. I emailed copies of my student ledger showing the payments back to the loan but they have not dont anything to correct the loan on my credit report. 

I also was a victim of the Nelnet data breach when so many borrowers had their social security number stolen among other things.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act ( FCRA ), Bridgecrest Acceptance Corp has violated my rights. 15 USC 1681a ( 2 ) ( A ) ( i ) states that reports should exclude any information solely as to transactions or experiences between the consumer and the person making the report. Bridgecrest has included late payment history which is in violation of the provision set fourth within the FCRA

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 2023-05-06
Company: EQUIFAX, INC.
State: KY
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:
This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX, XXXX XXXX  XXXX Balance : {$4100.00}, XXXX XXXX XXXX XXXX Balance : {$7100.00}, XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have contacted all three credit reporting agency and they are still reporting the samething

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 2023-05-19
Company: EQUIFAX, 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:
XXXX- {$390.00} Balance On XX/XX/XXXX, I attempted to make a full payment to this account reporting on my credit report in attempt to settle to the account as paid in full. During this call I was told that I would not be able to make a payment due to XXXX no longer own this debt. Which makes the balance on my credit report inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: M&T BANK CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX, I signed up ( applied and approved ) for an M & T Checking Account ( XXXX XXXX ) using a nationwide promotion. The promotion stated that I must open their account and enroll in XXXX XXXX and receive a direct deposit within 90 days to receive a {$250.00} promotional bonus. The deadline to sign up was XX/XX/XXXX. I successfully received a direct deposit on XX/XX/XXXX in the amount of {$1500.00}. After waiting beyond the payment of the bonus period, I reached out to customer service via chat on XX/XX/XXXX. They never got back to me as of today ( XX/XX/XXXX ). I called the customer service line ( on XX/XX/XXXX ) to request the bonus ; however, they stated that I did not receive the bonus because I did not maintain a minimum balance of {$500.00}. This was not part of the original terms and has not been a part of any of the more recent M & T promotions either. I believe the {$500.00} minimum balance was not disclosed to me and possibly added after I believed I had completed the requirements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-03
Company: JPMORGAN CHASE & CO.
State: GA
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 received an email about a card being shipped out to me but I didnt order card. I called chase bank about the email and he basically said that it was system generated and everything is okay. Few days later I check my account and money was missing, I called the bank and filed a claim about the missing money. They credited me the money but took it back because they said the transaction was authorized and it resulted in my account being overdrawn. They wont give me my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On XX/XX/2023 I received a hard credit inquiry from Capital One that I did not authorize. I have since placed a credit freeze on my account. I would like the inquiry removed from my credit report and Capital One alerted on fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
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 status incorrect

Complaint:
This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-03
Company: Experian Information Solutions Inc.
State: OK
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  Account # XXXX has violated my rights. Under 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 my written instructions. Under15 USC 1666B : A creditor may not treat a payment on a credit card account under an 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 non-monetary relief
Consumer complaint received 2023-07-03
Company: ERC
State: TX
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:
I have something on my derogatory marks that say I owe XXXX for Enhanced recovery compan, I dont know who open that, I never open this account Ive Ive been trying figure out my my account keeps going down and thats why.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 

I have tried to dispute these with Experian still they did not want to resolve the issue. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights

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 2023-05-30
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:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 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 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 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 2023-05-30
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: Information belongs to someone else

Complaint:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX 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

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 2023-07-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: IL
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: Other problem getting your report or credit score

Complaint:
I'M SICK AND TIRED OF THIS NONSENSE! AFTER I FILED FOR BANKRUPTCY IN XXXX, IT HAS COME TO MY ATTENTION THAT DUE TO A BREACH IN DATA SECURITY, MY INFORMATION INCLUDING MY SOCIAL SECURITY NUMBER HAD BEEN STOLEN ( CIRCA XXXX ) AND FRAUDULENTLY USED! I PAID AURA COMPANY TO HELP SECURE MY INFORMATION. I HAVE RECENTLY BEEN MADE AWARE THAT AURA IS NOT A REPUTABLE COMPANY. THEREFORE, MORE OF MY PERSONAL INFORMATION HAS BEEN STOLEN!!! I WAS INFORMED THAT A CAR LOAN HAD BEEN APPROVED BY A PERSON USING MY SOCIAL SECURITY NUMBER! I HAVEN'T HAD A DRIVER 'S LICENSE SINCE XXXX!!! FURTHERMORE, ALTHOUGH I HAVE SENT ORIGINAL SOCIAL SECURITY CARD ... XXXX AND XXXX XXXX ORIGINAL FORMS WHICH PROVE THAT I HAVE BEEN SOLELY RESIDING AT MY CURRENT ADDRESS IN XXXX SINCE XX/XX/XXXX, XXXX XXXX XXXX XXXX AND XXXX, MY GOVERNMENT ISSUED PASSPORT, MY WORK ID, AND A COPY OF MY BANKRUPTCY STATEMENT XXXX, MY XXXX CABLE BILL WHICH HAS MY ADDRESS ... ALL THREE CREDIT BUREAUS REFUSE TO SEND ME MY CREDIT REPORT!!! I AM A VICTIM OF BOTH CREDIT FRAUD AND THE THREE CREDIT BUREAUS!!! I WILL NEVER BE ABLE TO HAVE THESE FRAUDULENT CHARGES REMOVED FROM MY CREDIT FILE. SINCE MY BANKRUPTCY XXXX, I HAVEN'T ANY OUTSTANDING ACCOUNTS. I DEMAND THAT I BE PROVIDED MY CREDIT REPORT SO THAT I CAN LEGALLY CONTEST THESE CHARGES!!! MY INFO WAS COMPROMISED BY A COMPANY WHICH WAS CONNECTED TO XXXX XXXX. I AM TIRED OF BEING VICTIMIZED. I AM A XXXX MAN WHO HAS BEEN VICTIMIZED ALL OF MY LIFE. I BELIEVE THAT THESE XXXX CREDIT BUREAUS ARE JUST AN AMERICAN EXTENSION OF XXXX.

Company response to consumer: Closed with explanation