BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: DE
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 # 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 2022-07-13
Company: Experian Information Solutions Inc.
State: WI
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:
After noticing that my deferred payments, during the multiple times that I was diagnosed with XXXX, were being reported as past due, I contacted XXXX XXXX XXXXXXXX XXXX in order to have the incorrect information corrected. I contacted their customer service in XXXXXXXX XXXX XX/XX/2022 and XX/XX/2022, and I explained that I was granted deferrals during the times listed as being late. They indicated that they are reporting everything properly on their end and that I would have to submit a dispute to the credit bureaus in order to update the reporting on all 3 credit bureaus. The customer service rep further explained that no matter what I do, she rarely sees any success when disputing credit reporting information but also confirmed that she saw my deferrals in the system. I submitted MULTIPLE disputes via XXXX, XXXX and Experian without any success. It is imperative that this information is corrected due to the fact that I am applying for a commercial real estate loan and these payments will hinder my ability to qualify for the business loan.

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 2022-03-19
Company: ERC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ERC has reported information to my consumer report. ERC did not produce an agreement between the said company and I that authorized the company to collect on alleged debt. It is a violation to 15 usc 1692f ( 1 ) and considered unfair practices to claim that a consumer owes a debt without the proof of an authorized agreement. I am challenging ERC to provide the agreement under penalty of perjury. Failure to provide such information is also considered identity theft. I've never given this debt collector any of my personal information to report to any for financial gain. Any referral that subjects me, the consumer to any prohibited under the FDCPA is also considered false and misleading pursuant to the FDCPA 15 usc 1692e ( 6 ) ( B ) Again, where is the contract between the company I? No company can collect without an agreement. I would like to bring to the company 's attention and for the record. According to 15 usc 1692j ( a ), It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Pursuant to 15 USC 1692c ( c ), I demand ERC to cease and desist all communications including the removal of all accounts that the company alleges that I owe. The company 's failure to follow my cease and desist order will lead to the pursuit of remedy for all injuries against me pursuant to 15 usc 1692k. I will be sending my invoice along with my Affidavit of Truth to ERC stating all facts which includes each violation and the damages that you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 woman of flesh have mailed certified letters to all 3 credit bureaus an collection agencies to remove all negativity off my record cause by constitutional laws I did not give authority for these 3 credit bureaus to establish no account an by record my custodian parents did not authorize either. I have ask twice to remove everything from my record an they have failed to do so..i have paperwork I sent an also RECORED calls to all 3 bureaus. So I 'm coming to you as a natural person not no US CITIZEN but original human to please clear my record clean an free from all neccesaties on my credit report making me drown in slave debt wen I 'm the bank an dey the debtor. So for the one 's who sold my information to these collection agencies to collect a debt is in fraud, defamation of character, identity theft. Amendment 14 is powerful an the fakes agencies playing against laws so this will be my last time trying to fix this. 30 days from today of this complaint with no action I will proceed forward with federal law suit. Thank You, sincerely, 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 2022-03-19
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am being charged for a debt that belongs to my deceased spouse. Between XX/XX/XXXX to present XX/XX/XXXX, not sure about the current amount. The company attached this account to me without my knowledge

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 2022-03-19
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act U.S.C. 1681 & Fair Debt Practices Act 15 U.S.C. 1692 XXXX  account # XXXX, XXXX, XXXX, XXXX, has violated my rights.

15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 States : That a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1692 Section 805 A States : A debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer.

15 U.S.C. 1692 Section 806 Section 5 : Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

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 2015-07-29
Company: CONRAD CREDIT CORPORATION
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I bought into a camping resort package through XXXX XXXX At the time, the man told me all these wonderful ways to use it. It sounded great. I tried using it several times and it was not what they portrayed it to be. I called asking to cancel or sell the " time share ''. I could never get a hold of anyone to help me. Once they lured me in, that was the end. I am ok with paying something to get out of the contract, but this has gone on too long. I did nothing wrong. I tried to contact them and they did not respond. I feel it was false, the information and explanation they gave me. Every time I tried to use it, the process changed. I also could not get the " better '' process at other campgrounds. It was not a smooth process. I believe this should not hurt my credit score like it is. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We had a mortage that escrow our taxes. we sold the property, taxes were taken out of closing. BB & T has yet to refund our escrow taxes. We have been waiting since XXXX.I have called at least four times. I have had the local bank rep call. here it is XX/XX/2022 and i still don't have my refund.

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 2022-03-19
Company: Affirm Holdings, Inc
State: TN
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:
XXXX sending this complaint to your company because theres multiple loans opened in my name without my authorization, permission or consent to obtain goods ( identity theft, fraud, error etc. ) LOAN XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. After contacting Affirm on my behalf, the following personal information on file to create Affirm account is XXXX XXXX as legal name, phone number is ( XXXX ) XXXX, email address is XXXX, and billing address is XXXX XXXX XXXX, XXXX TN XXXX XXXX. The personal information isnt mines and doesnt belong to me. Please read additional information attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX I closed my Bank of America merchant account for my XXXX, XXXX XXXX, at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, XXXX XXXX to open XXXX with a better % at XXXX, and XXXX XXXX their merchant processor in XXXX. I openned a commerical account with XXXX and that was my account. At somepoint, BOA allowed another merchant account to be established at my location, with fake paperwork assuming another enterprise, XXXX XXXX and allowed my old merchant account to be active without my knowledge. I closed my XXXX account on XXXX XXXX, 2015 to re-open another BOA account, ending in XXXX, XXXX, # XXXX at my home with their small business banker, XXXX XXXX. They allowed another merchant account to be opened and did not tell me my old checking account and my old merchant account were active, My XXXX manager was shedding all paperwork that arrived at the bar. My bookkeeper was also aware of this account still being open. I paid XXXX XXXX, my bookkeeping firm over {$60000.00} over the years to manage my day-to-day transactional accounting. This aggregeous act has cost me my business of 14 years, more than {$300000.00} in missed earnings from the sale of XXXX products, my business credit ( XXXX XXXX XXXX was XXXX prior and is now a XXXX, negative based on this fraudulent company that shares the same name, openned in XXXX XXXX area with an XXXX of # XXXX, and my business name : XXXX XXXX XXXX XXXX ( no comma ) I have trusted tax preparation professionals, paid them to hide, deceive and wreck a very good businesss that has paid XXXX 's of XXXX 's in taxes over the years on falsified returns. I need advise on what to do next. I am hiring at my expense an auditing firm to help re-calculate all of my past six years of business. I had XXXX active customers and XXXX falsified numbers and a comma ruined everything.

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 2022-03-19
Company: AMERICAN EXPRESS COMPANY
State: VA
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:
No money was withdrawn or used, however a hard inquiry was placed on my credit from Amex on XX/XX/21. It must have been declined because I don't see an open account, however the hard inquiry is still impacting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Loan was paid of in XXXX, they called a year later saying we owed more. We made another payment in XX/XX/XXXX for what they said the remaining was. After that they said we would receive a refund of the overage because we didnt owe. I received a statement today showing a credit of {$7600.00} and a net due of - {$6600.00}. We have overpaid almost {$15000.00} to keep them from trashing our credit and to get them to release the title. Called again today and Wells Fargo said they would send to there payoff department again and needed at least 3 days to look at it.

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 2016-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
XX/XX/2015 I traveled to California. I noticed early Sunday morning ( XX/XX/XXXX ) that many fraudulent charges were made to my account. I tried to immediately notify Bank of America. They were closed so I had to wait a few hours until their fraud department opened. Once I reached them, the agent indicated that I had to wait for all of the pending and incoming transactions to actually clear before they could help me. So once they cleared, I had to call back again and get their assistance. 
It took a few days, but Bof A returned my money. I thought it was resolved. 

On XX/XX/XXXX, Bof A began taking my money out again. I called and after speaking with XXXX agents I was told that my claim was denied. I was told that BofA had written proof from each merchant that I made the purchases. The " proof '' indicated was my full address. 

Many of the charges are obvious - large sums of cash, the purchase of XXXX cell phones from different companies ( neither my current provider ), and multiple calls to a correctional facility. There was also an initial charge to XXXX a company that can pull all of my vital information ( address, birthday, email address, phone number ) which happen to be the items Bank of America claims they verified with the individual merchants ; this is the basis of their denial of my claim. 

I started contacting each merchant. Based on the limited information from my bank statement, the same limited information that Bank of America has, they can not find any evidence of the transactions ; which refutes Bank of America 's claim that they were able to prove that I made these purchases. If I ca n't get to who used my card and my own information, then how can Bank of America deny my claim based on that supposed information? 

I have now spoken with XXXX agents regarding this incident and have yet to be returned my {$1800.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-14
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Investigation Request Letter To whom it may concern I received a copy of my consumer report in pursuit of trying to improve my consumer report and noticed a few accounts that i wanted a little more explanation on. I am not saying they are reporting rigjt or wrong im saying i am not 100 % sure if they are. The Fair Credit Reporting Act gives me rights to challenge anything i am not sure is accurate. In 15 U.S.C Sec. 1681 i ( a ) it states if you caint provide proof these accounts must be deleted if they are not 100 % accurate. So I would like these accounts properly verified and removed if there's anything missing. Also According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
According to : 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. 
And i have not gave any written instructions to furnish anything on my consumer report XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct if not please remove it from my consumer report XXXX XXXX Please investigate if every piece of information is correct if not please remove it from my consumer 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 2022-07-14
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Investigation Request Letter To whom it may concern I received a copy of my consumer report in pursuit of trying to improve my consumer report and noticed a few accounts that i wanted a little more explanation on. I am not saying they are reporting rigjt or wrong im saying i am not 100 % sure if they are. The Fair Credit Reporting Act gives me rights to challenge anything i am not sure is accurate. In 15 U.S.C Sec. 1681 i ( a ) it states if you caint provide proof these accounts must be deleted if they are not 100 % accurate. So I would like these accounts properly verified and removed if there's anything missing. Also According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
According to : 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. 
And i have not gave any written instructions to furnish anything on my consumer report XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct if not please remove it from my consumer report CONSERVE XXXX Please investigate if every piece of information is correct if not please remove it from my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Experian Information Solutions Inc.
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am trying to file a dispute with Experian. I am having a problem submitting a particular account for verification with Experian. 

The account is XXXX / XXXX XXXX for the state of Washington. They are reporting a late payment for XX/XX/XXXX. 

When I attempt to dispute the account online, the system is telling me that they wo n't dispute the item since it was verified as accurate in XXXX. I am disputing a late payment in XX/XX/XXXX. So Experian is saying I disputed a late payment in XXXX back in XXXX? How would I have known this payment was going to be late at the time? 

When I attempt to call Experian, the system says I can not talk to a person. The system tells me that I need to send my request in writing. I am paying {$29.00} a month for their credit monitoring service. I should have the ability to talk to somebody about my account. There is absolutely no reason why I should not be able to talk to a person at Experian about this. 

I attempted to contact another telephone number at Experian. Once I verify my identity, the IVR says it is transferring me, then I get two beeps and it hangs up on me. 

The dispute is simple. The XX/XX/XXXX payment was made on XX/XX/XXXX. This payment was not late. I can supply documentation in the form of payment history to support this.

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 2020-03-11
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My information isnt right and I have accounts, loans and more on my reports that arent mine. My name is misspelled and my social doesnt match I have contacted all three Credit bureaus and all three have been unhelpful. When I try to apply for anything that checks my credit it claims that I have no credit in the United States or I have wrong information and it cant be pulled up.

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 2022-07-14
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Comenity bank bought out my XXXX from XXXX. I had accumulated approx. XXXX in rewards, comenity took over and now my rewards value has dropped to XXXX they say they are working on the problem. I have sent 2 bill pmts.and have had to stop pmt on both of them, one of the pmts had been in limbo for 16 days ( they said the mail is slow ) the first one they started finance charges. I have sat on hold for hours trying to get answers trying to straighten things out to no avail. I have sent a secure message to them and no answer. I am not a financial guru but I feel they bit off way more than they can handle. Thank you for looking in to this for us.

Company response to consumer: Closed with monetary relief