BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-10
Company: Experian Information Solutions Inc.
State: AZ
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:
Well according to 15 U.S. Code 1681b ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

As a consumer I never gave no credit bureau any written consent! 

No consent is Identity Theft.

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 2020-11-10
Company: Experian Information Solutions Inc.
State: NY
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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

DEPTEDXXXX  XXXX DEPTEDXXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPTEDXXXX  XXXX DEPTEDXXXX  XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPT OF EDUCATIONXXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX  XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX 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 2018-11-29
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below 30 days late as of XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get 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 2019-09-08
Company: Santander Consumer USA Holdings Inc.
State: NH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I'm a XXXX year old lady and XXXX year old husband that is XXXX and very sick and also a Veteran, and I have a thing on my credit report from a company. We live on nothing but social security and I have a part time job that buys us a little bit of grocery and now we have been notify from the people that we have been renting from for 23 years and found that the house can not be rented anymore because of the condition of the house, and I have been trying to find a place for my husband and I to live and I have this XXXX XXXX bill on my credit report and have no idea where it came from. I could really use your assistants on this as soon as possible.The account is closed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2019-07-18
Company: Army and Air Force Exchange Service
State: AP
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
During the months of XXXX through XXXX I contacted ECP ( exchange credit program ) ( Military star card ) about a card opened fraudulently in my name, {$4000.00} limit, opened in XXXX, around the time my wife and I separated, I had no need for this card and already had one, I explained this to the fraud center and they said it would be difficult to ascertain who the owner of the account was. 
I showed proof I had a military star card previously and she made herself an authorized user on the account, but didn't add me as a user. I was told by the company that my soon to be ex-wife had a right to obtain this card, which i agree with, but not in my name, she eventually rang the bill up to ~ {$3800.00}. Since then the bill has been paid to an extent, I haven't paid it, I've closed the account but ECP is stating I am responsible for the remaining ~ {$1700.00}. I feel as if I've shown the company plenty of proof that I was not the one that opened the card and I will not pay the remaining balance. They recently in the last 3 weeks sent me a letter stating I owed the remaining balance and that ECP would pursue legal action if not paid. I would very much like for XXXX XXXX, my soon to be wife to be persecuted for fraud and forced to pay the remaining debt. 
If there are further questions that need to be asked feel free to contact me, XXXX or XXXX. I can collect and submit the documents if asked to. 
I am saddened that although proof has been given to the company, they refuse to believe 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 2021-07-22
Company: Experian Information Solutions Inc.
State: AR
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: Information is incorrect

Complaint:
Today, I tried to turn on the electricity in my new apartment as I am moving tomorrow. I was informed I needed to call Experian that there is an issue with my social security number. I called Experian, they would not tell me what the issue is only that it would take 3 to 5 business days and they their database was wrong. They refused to escalate the issue. I explained that I have passed a credit check for credit cards, for the new apartment and I am now being denied simply electricity? I was on hold for 36 minutes waiting for a supervisor only to be told that a supervisor isnt available. I would get a call back within 24 hours.

Experian service and customer care is deplorable. Now I get to be homeless until they decide what cases need escalation or what cases dont? That is indecent and inhuman. Perhaps they need additional training and treat each case like it was their own mother 's case. 

I am disgusted!!

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 2017-10-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I was Paid XXXX XXXX up front for a vehicle just to ride off the lot and seemed legit due to all the personal visits and paperwork. The only odd part was that I noticed the car was parked in the back of the warehouse rather then being displayed in the front. I only was giving 1 set of keys and 1 license plate then was told that my bank denied me then accepted me. Ive paid up to 15 grand with 5 extra in repairs from 2 different mechanics who never got the job 100 % done. The check engine light remained on and was told tridents chewed up on the electrical.. the car was stolen or fraudulently sold to me and the scammers were all in cahoots. I later got into an accident after an unauthorized toll company tolls my vehicle then returns it back to me. XXXX pd sanctioned the toll but claims that I didnt need to get a clearance. I get my car back after paying another XXXX and then the car breaks go out. Several issues and several assasination attempts but Im still blessed to speak about it. Wellsfargo who is my investor are obligated to have a car like that insured but from what I see now is Ive been getting scammed left and right. On top of that my accounts gets wiped and several in authorized accounts have been opened. Seems like my own family are out to get me and steal from me. Wellsfargo denies it all but Im just being patient the data dont lie ...

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 2022-05-03
Company: EQUIFAX, INC.
State: AZ
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 reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts and public record listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX, Chapter XXXX Bankruptcy XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: NC
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:
accordance with the Fair Credit Reporting act XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX 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 instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, 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 XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: Cascade Capital, LLC
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:
I previously contacted XXXX, Cascade Capital LLC & XXXX disputing the error on my credit file that was posted without my consent. I strongly believe that the companies associated with this account have committed a major crime and should be rep-remanded for it and I am not happy about it. I have been tremendously affected by the credit breach each of the companies listed above is in dealing with placing errors on my credit report without my consent and no one of these companies contacted me. Please show me any phone calls you have tried to contact me before and after the credit breach. Ive stated facts in my previous dispute letter only to receive a response that my dispute to remove this fradulent error was declined. I dont appreciate unprofessionalism on any levels. I am unaware of the accounts listed below and have never open any accounts to deal with such a company called XXXX & Cascade Capital LLC. I am unaware of the accounts and I demand that it is removed immediately. If this error isnt removed by XX/XX/2017, I will be taken legal actions on this account and any companies involved. I have contacted my lawyer and looking to move forward on this case. I have sent you a previous good will letter for a response but you decline my dispute and now I am forced to take legal actions. 

XXXX Cascade Capital LLC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I WENT TO PAY MY CREDIT CARD BILL ; WAY BEFORE DUE DATE AND IT SAID MY XXXX ACCOUNTS WERE RESTRICTED. IF ANYTHING I PAY XXXX WEEKS BEFORE DUE DATE ... ..THEY SENT ME A LINK TO UPLOAD MY XXXX XXXX ID, AND COULD NOT SUBMIT IT ... ... THEY THEN TOLD ME, THAT I WOULD HAVE TO FAX MY STATE ID, SS NUMBER AND ELECTRIC BILL ... .... 

THE BANK THAT ISSUED MY CREDIT CARD IS XXXX XXXX ... ... ... I DO NOT FEEL COMFORTABLE FAXING, OR SENDING VIA XXXX XXXX MAIL ... ... ... ... THEY, THE SECURITY DEPT. WO N'T GIVE ME A SATISFACTORY ANSWER ... ... THEY SAID SOMETHING ABOUT MAKING SURE THAT I WAS WHO I SAID IT WAS ... ... ..BEEN USING THE CARDS 5 YEARS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 XXXX  and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from 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 2022-05-03
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Today XX/XX/XXXX I received a letter in the mail from XXXX stating the because I submitted a previous dispute they will not conduct a further investigation into my accounts. This is obviously a violation of my rights. 
Also upon checking my complaints with the cfpb the credit bureaus stated they will investigate my case within 60 days. I feel this is very unfair and that i am being taken advantage of and is also a violation of my rights. 
According to 15 USC 1681 & CFPB investigations should be completed within 30 days of receiving original dispute.

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 2017-10-21
Company: Monterey Financial Services LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I had an account with XXXX that went into collections. Monterey Financial Services was the collection company for this account. I eventually filed bankruptcy in XXXX of XXXX and Monterey Financial Services was included in the repayment plan. While under the XXXX XXXX, Monterey continued to place inquiries on my credit report monthly as well as the amount continued to increase due to interest. My Ch. XXXX was XXXX in XXXX XXXX and Monterey is reporting to my credit report as a collections account on XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX XXXX and claims counsel of XXXX XXXX XXXX XXXX XXXX are a big fraud, Corrupt and a big liar. 

XXXX XXXX XXXX XXXX I recently made a complaint to the headquarters spoke to XXXX XXXX was told I did not have thr correct claim number and were corrected. 

I made complaint to the headquarters on Thursday spoke to XXXX XXXX and I told him I 've never received anything in writing from XXXX XXXX. He said that I have a claim open. HE CALLED XXXX XXXX AND TRANSFERRED ME, NO ANSWER. 

She immediately sent me an email lying in it. Of a response letter dated XXXX XXXX, XXXX just a XXXX XXXX. This is the first that I 've seen of the letter but she lies and says she is sending me the corrected letter from XXXX XXXX, XXXX no such letter is on my email returns. XXXX XXXX. 

At the top is the first time she has provided me the claim number in addition she put a fake consumer financial protection bureau number as cfpb # XXXX which would be XXXX/XXXX/XXXX proves the letter was back dated from at least that date. 

In the letter she continues to lie and are determined to claim 1. That XXXX is a mortgage broker company. 2.  That XXXX were my mortgage servicer and I got XXXX from XXXX. She absolutely will not mention 1. My mortgage servicer XXXX XXXX XXXX provided me a lien release. 2. I were victimized by XXXX and mers of mortgage deed fraud register XXXX/XXXX/XXXX. 

Please provide that letter to the consumer financial protection bureau for their review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681XXXX, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to CORRECT immediately : XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
People who had access to the banks phone system stole {$600.00} out of my account.I have lodged two disputed with them. The second one was completely ignored. Never got a response of any kind.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX and experiean continue to report Bankruptcies on my report in which proof were sent to them that they are not verified from the courts and they keep stating the information was verified without proof of how they supposedly are verifying information that in fact is not being verified from the XXXX Bankruptcy courts. So they are engaging into unfair practice of lying to there customers in which can and will lead to litigation. I have tried 3 times to resolve this and all 3 times they just say verified without validation or proof.

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 2017-06-29
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for the XXXX VISA card this afternoon to take advantage of an offer that would give me {$50.00} off of the airfare I was purchasing through XXXX. The credit card was offered through Barclays. I completed the online app and was approved and the screen instructed me to click on the accept button to proceed with the purchase ; however, when I advanced to the next screen it asked me for a credit card number. I never got the new credit card number, so I called Barclays and they told me that they were unable to give me my credit card number for security reasons and that I would have to wait to receive my card before I could make the purchase. I then requested that the account be closed, because I only wanted it to make the airfare purchase. The customer service rep then proceeded to ask me for my account number so she could close the account. I explained to her that that 's the reason I was requesting it be closed. She said there was n't anything they could do about the website because it was XXXX 's website, but I told her it was Barclay 's card, to which she agreed. It was clearly false advertisement, so I bought the plane ticket through another company and hope that Barclays closes my newly established 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 monetary relief