BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-28
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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act 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 2022-06-28
Company: EQUIFAX, INC.
State: AL
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:
Its for my Equifax Credit Report theres XXXX on there I dont recognize 1.XXXX XXXX Inquiry Date XX/XX/XXXX 2.XXXX XXXX  Inquiry Date XX/XX/XXXX 3 . XXXX XXXX Inquiry Date XX/XX/XXXX I have called Equifax and they said they couldn't remove the inquiry unless I have filed a report with you CFPB I also have tried to call both companies and could not get ahold of either to help me with this matter. If you could please help me out that would be GREAT now if I did Inquire about those companies please have them email a copy of the Inquiry and where I signed off on it thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My action was that i order a item on XX/XX/2022 and i cancelled the order and the seller said i would receive a refund in 4 days i never got the item or received and i opened a dispute and they credited my card XXXX and then costco citi card did investigation and they took the money back- i never received the product or my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2022-06-28
Company: BMW Financial Services NA, LLC
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The below complaint against XXXX  was addressed to a XXXX XXXX from California in reply, nothing at all to do with myself or my account... I do not know the reason XXXX  rep sent this reply to CFPB in reply to my complaint, it appears to be another error on end of XXXX  .... 

Payment in the amount of {$50.00} made via bill pay through XXXX, account issued by XXXX XXXX on XX/XX/XXXX has not posted as of XX/XX/XXXX. Payment made to XXXX  account. I've used this same account, XXXX, in the past to make payments, all of which have posted with no issue, there appears to be an error on end of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been unable to access any accounts linked with Comenity Bank for five days, and therefore, am unable to view my statements and make payments as necessary. There has been no solid information from the company on their social media platforms regarding the continued outages and it seems as if there is more going on than scheduled maintenance, but the company refuses to admit as such. Even Comenity 's XXXX is unavailable. 

I have also tried calling their offices to schedule payment, but their phone lines are not operating, and therefore, I am completely unable to contact someone. This could very well lead to late payment charges, an increase in interest, incorrect reporting on my credit report, etc. 

This is unacceptable and is more than a simple inconvenience ; an inconvenience would be the website being down for an hour or two longer than expected, not for five plus days. The blatant disregard for customers and access to their accounts is disheartening from Comenity, especially when they refuse to give straightforward answers to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for credit with American Express in good faith with the intention of getting a credit card. But American Express took my social security card ( the true credit card ) used it and I received no benefit. By me not receiving no benefit American Express committed fraudulent activity ( unauthorized use of a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: Asset Collections Inc
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Background : XXXX! XXXX XXXX is a bait-and-switch operation that uses a false webpage to shunt customers to its services, preventing consumers from researching the company and discovering the numerous XXXX XXXX XXXX reports of its fraudulent business practices. In addition, the company is unaccredited due to these reports and has a pattern of predatory actions against hapless consumers. 

Documentation : XXXX XXXX, XXXX Called Squirrel In The Attic ( XXXX ), which went to a call center. Spoke with Montres and said I had squirrels in my roof and I know where the hole in the roof is where they are entering asked if the company could place traps near the hole. He said I could make an appointment to have a tech come and say if that was possible gave me a quote of {$280.00} inspection and setup and range of $ XXXX for pickups. Scheduled the tech to come on XXXX XXXX. 

XXXX XXXX, XXXX XXXX! XXXX XXXX arrived at XXXX, and said they werent allowed to walk on roofs so couldnt place traps near the squirrel entrance. They only place traps on the ground or at the base of trees. I said that would have been nice to know and he shouldn't have come out. He said I would owe {$100.00} for the call. said that information was not provided to me by the dispatcher and I would not pay it. 

XXXX XXXX  Received call from male XXXX! Employee ( I think XXXX XXXX who said I owed {$100.00} and I said that information had not been provided to me by the dispatcher and I would not pay. He said it was common practice to charge for a call, even if that information wasn't provided to the customer. I asked why they dont place traps on the roof and he said they dont have the insurance. 

XXXX XXXX, XXXX Asst Collections, Inc sends demand for payment XXXX XXXX, XXXX Emailed Asset Collections , IncXXXX to dispute the debt, did not receive a response XX/XX/ XXXX Asset Collections, Inc. sends Final Demand for Payment

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have a Comenity Ann Taylor XXXX XXXX  XXXX that I have only used at an Ann Taylor/XXXX  store or, on line. XXXX of 2021 several charges began appearing from a company called XXXX XXXX which according to their web site is a supplement and diet company. There were also charges for XXXX and a gym membership in XXXX  and I live in XXXX. The company reversed all the charges and opened a new account for me. Then they transferred the fraudulent charges from XXXX XXXX to my new account. I began another campaign to have them remove the charges as I did not make them. I was told to call the phone number, which I had already done and the phone number is NOT A WORKING NUMBER. They gave me an email address which goes nowhere to have the subscription I initiated stopped and to get a credit from them. A. I did not at any time subscribe to this company ; and, B. Comenity is the one who won't investigate the fraudulent charges. I was then told I had been given 3 chances to prove that I did not make these charges and since they won't accept my pleadings, they are done. Since Comenity is in Ohio I reached out to the fraud department through the Ohio Attorney General and they directed me to this office. I have the statements and a recap of what I have sent to them to support my claim. I have been told by them that it is my responsibility to have this rectified with a company who has not working phone number and who does not respond to emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX {$440.00}, XXXX XXXX XXXX {$630.00}, XXXX XXXXXXXX XXXX {$8800.00} XXXX XXXX XXXX {$2700.00} XXXX XXXXXXXX XXXX {$1600.00} 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 2022-06-07
Company: Experian Information Solutions Inc.
State: CO
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 XXXX XXXX XXXX have 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 explanation
Consumer complaint received 2023-09-23
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting 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 have unnoticed inquiries on my report that i didnt consent to. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-26
Company: Experian Information Solutions 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 I disputed the account of XXXX XXXXXXXX XXXX XXXX acct # Account XXXX I have never been late on this account. Experian failed to update my report accurately. This is a factual dispute. and I have attached the results of that investigation which were still not correct. The inaccuracies are still there. 
All my payments for been on time. They are reporting a 30 day late in XXXX. Yet the payment history shows I made the payment of XXXX XXXX. 
So how can i be 30 days late? 

These are violations of my consumer rights according to FCRA. Please update this account correctly to paid on time and never late. 

Exhibit A. ( results of dispute Experian ) Report Number XXXX XXXX XX/XX/2021 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 2022-06-28
Company: Southwest Recovery Services, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX  Attorney General and FTC

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 2022-06-28
Company: Georgia Student Finance Authority
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've filed multiple disputes ( XX/XX/2022, XX/XX/2022 & XX/XX/2022 ) with XXXX regarding a student loan that continues to show on my credit report with them from the Georgia Student Finance Authority ( GSFA ) in the amount of {$4.00}. 

The amount represents a student loan for which I applied and was approved for last Fall to attend XXXX University ( XXXX ). However, I withdrew from the program prior to the last official day possible to receive refunds. I've confirmed with both XXXX and GFSA that the funds in question were returned to GSFA. However, every time attempt to have my XXXX credit report corrected to reflect such I am rejected. I have received repeat dispute rejections from XXXX stating that GSFA confirms that the information and account balance of {$4300.00} listed on my credit report is correct. But on my credit report with the other two reporting agencies, the balance for this particular loan reflects a {$0.00} balance. When I called GSFA months ago I was also told that my balance was {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: CMRE Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have several accounts with CMRE financial, i was XXXX  every single month for a year and couldnt hold a job bc of the XXXX. While in the XXXX, i applied for financial assistance with every hospital ( all a XXXX XXXX XXXX ) and was granted assistance. So im terms my bill was paid for. 
While looking at my credit report, there are several accounts with the same dates that are reporting different amounts. I have tried to call this company and they will not return my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX Judgement, Account # XXXX Judgement, Account # XXXX Judgement, Account # XXXX Judgement, Account # XXXX Judgement, Account # XXXX Judgement, Account # XXXX Judgement, Account # XXXX collection, Account # XXXX XXXX XXXX XXXX, Account # 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 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 2023-10-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I call Experian, XXXX and XXXX credit reporting agency, to remove inaccurate name and address on my credit report. I was inform by a rep to uploaded a copy of my Driver License, Passport, and Address on there website. As of yet see any removal of any inaccurate.

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 2022-06-28
Company: American Financial Network Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This complaint is in regards to American Financial Network ( AFN ). 

I am trying to complete. A supplemental equity loan using XXXX XXXX XXXXXXXX. I initially reached out to my loan officer at AFN by the name of XXXX XXXX. At first he answered my call. But when u sent him the form that he needs to sign to afield he that I am pulling equity from my property he started avoiding me. For the past month I have called American financial network twice a day to get the form signed. They told me to upload electronically in their system and that someone would review it in a week and a half. After the given time period the form was still not signed. One 3 separate additional days I was promised it would be signed. Still no signature. AFN continues to dodge my phone calls or provide support in singing my subornation form to complete my application with XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
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:
I have no knowledge of this XXXX account. This was not me. I have included a fraud 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 non-monetary relief
Consumer complaint received 2022-06-28
Company: EQUIFAX, 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:
I have no knowledge of this XXXX account. This was not me. I have included a fraud report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TransferWise Ltd
State: VT
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I attempted to transfer funds from my Swiss bank account ( in the amount of XXXX Swiss Francs ( CHF ) ) to my XXXX bank account ( XXXX XXXX XXXX using the " Wise '' money transfer service on XX/XX/2022. However, Wise ( or its partner bank/intermediary bank in the USA, XXXX XXXX XXXX appears to have either lost or stolen my money. For over XXXX months now ( since XX/XX/2022 ), Wise has not been able to track my money nor to refund it, despite countless e-mails to their customer service department and hours spent on the phone with my bank ( XXXX XXXX ) in the USA, as well as with Wise. Wise customer service has been shockingly and unacceptably incompetent and unhelpful. Essentially, they have not been willing or able to find or return my money. I have even suspected possible fraud ( though I'm not sure ). Finally, on XX/XX/XXXX, Wise admitted they could not trace the funds and offered to initiate a recall of funds ( which i had previously requested but they ignored my request. ) I asked how long it would take for me to get my money back and what the process is and heard nothing back. So I desperately wrote again & pleaded for a response and was, unfortunately told by Wise that, " no estimation or timeline we can provide for re-call, as it's outside our control ''. 

This appalling situation and unprofessional, unethical practice on the part of Wise has caused my family and me undue, prolonged and extreme stress. I never want any other customer or human being to endure what I have suffered at the hands of Wise. I also believe Wise should not be allowed to operate as a money transfer company if they are going to lose people 's money and fail to provide adequate redress and customer service. 

Please see attached document for details of my correspondence with Wise. 

Thank you in advance for your guidance and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX {$440.00}, XXXX XXXX XXXX {$630.00}, XXXX XXXX XXXX {$8800.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX {$1600.00} 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 response to consumer: Closed with explanation