BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-06
Company: LEXISNEXIS
State: AZ
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 belongs to someone else

Complaint:
On XX/XX/2023, XX/XX/2023, XX/XX/2023 I got in contact with lexisnexis about false reports on my background as well as requested multiple copies on those dates and other dates and I have not received my reports or updates. I contacted lexisnexis two more times asking why I have not received anything being passed the 7-10 business days XXXX. Because of these false reports, my car insurance skyrocketed above XXXX XXXX my liscense is suspended, I am getting denied everywhere and I am about to lose my job because XXXX XXXX XXXX XXXX XXXX This is causing major chaos in my life. No one has done anything to resolve whats happening. No action has been taken by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Experian Information Solutions Inc.
State: PA
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:
I brought the information to Cfpb to complain about Experian on XX/XX/XXXX. It is now XX/XX/XXXX which is way longer than 30 days Experian is in violation of [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of disputed information.

( 1 ) Reinvestigation required.

( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer

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 2023-04-23
Company: Genesis FS Card Services, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/23 I responded to a mailer advertising a Destiny credit card. After reading the terms I decided to apply. The website claimed I was approved for {$500.00} with a chance to double the credit limit after 6 months. There was no mention of a fee to be paid to activate the card. Once I received the card I went online to activate it on XX/XX/23. During the process of creating an online account the website said I would have to pay {$99.00} fee for a {$300.00} credit limit. I immediately stopped creating the account and called Destiny 's phone number. I told their rep that I did not want the account due to them changing the credit limit and charging a {$99.00} fee. The rep said that since I didn't activate the card I wouldn't be charged the {$99.00} fee. But now they're reporting that I opened an account and closed the same account. This is negatively affecting my credit score by dropping my credit history age and showing a new closed account. I did not open this account! I did not activate this account! This company was unethical by falsely claiming I was approved for {$500.00} and then upped their fraud by not disclosing a fee until the card arrived. To top it off the fee was canceled because I refused to open the account. This account needs to be removed from my credit reports immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
State: NJ
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:
ON XX/XX/2022 a document to correct a reporting issue of inaccurate and unwarranted inquiries ( Counted 31 total ) and reports were discovered on my report. To my knowledge, I have not granted any company permission, either at all or 90 days upon filing an SSA-89 form from the IRS to be reported on my personal 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 2023-02-23
Company: Experian Information Solutions 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: Information is incorrect

Complaint:
Both XXXX accounts are paid and need to be deleted from the 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 2023-02-01
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: Account information incorrect

Complaint:
The following accounts are incorrect, and they are adversely affecting my livelihood. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-10
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
this company is causing me stress and hardship of the illegal practices they are reporting on my consumer report on XX/XX/2022 XX/XX/2022 and XXXX XXXX so i am DEMANDING you to remove these illegal late payments under 15 U.S CODE 1666b ( correction of billing error ) you are illegally reporting transaction on my consumer report without my consent per law 15 US Code 1681b ( you need my permission to report on my consumer report ) which i didnt give you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$6500.00} XXXX  XX/XX/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 2023-02-09
Company: Self Financial Inc.
State: MD
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:
On XX/XX/2023 it shows a loan for {$720.00}, which did not come from me that lowered my credit that I am trying to establish. It showed me on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Someone opened a Wells Fargo account around the XXXX XXXX, CA area and attempted to deposit two counterfeit checks totalling to be {$57000.00} USD - one check was deposited XX/XX/2023 and the other was XX/XX/2023. This account, along with the XXXX XXXX XXXX XXXX account and XXXX XXXX account ( complaint filed ) all have some connection to XXXX, CA. The Wells Fargo representative with whom I spoke ( XXXX XXXX XXXX confirmed that the person who opened the account also has a fake ID with my name and birthday, so they are using that ( along with my social security ) to open up these accounts. 

The only email address that they had on file was " XXXX '' - I have been in touch with XXXX XXXX about the situation and filed a police report with the XXXX Police Department as well. I have also frozen my credit with all three bureaus. Thank you.

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 2023-03-07
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
XX/XX/2022, I opened a checking account at US Bank Branch located at XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NV, In response to a promotion code XXXX which says that if I opened an account and make a direct deposit that would amount to XXXX or more within 2 months of opening the account I would received a bonus of {$500.00} which will be deposited into my new checking account within 60 ; days of direct deposit verification and verification of enrollment in US Bank mobile App. 
I was enrolled at US mobile App the day I opened the account which is XX/XX/2022. My first direct deposit on my new Checking Acct was dated XX/XX/2022. As of XX/XX/2022 I already have a direct deposit totalling {$6700.00} posted in my account. 
XXXX XXXX I called US BANK customer service, representative XXXX attended my call and told me that I won't receive the said bonus until after 5 months. 
Request assistance to make US BANK comply to their promise to give me said bonus within 60 days from from direct deposit verification.

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 2023-02-13
Company: EQUIFAX, 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:
On XX/XX/2023, and XX/XX/2023, I disputed medical debt of {$100.00} by XXXX XXXX XXXX Acct # XXXX. Both disputes did not resolve to have the XXXX XXXX under {$500.00} XXXX XXXX XXXX XXXX XXXX ). 

On XX/XX/2023, I called Equifax to ask that the dispute be resolved under the law. The Equifax representative stated that the law isn't enforceable because it doesn't have a " start date ''. I asked that she find further clarification on this point. She returned and stated that she could only file another dispute, but not resolve any dispute under XXXX XXXXXXXX because it doesn't have a " start date. '' XXXX  XXXX is in full effect. I want XXXX XXXX Systems Acct. XXXX medical debt of {$100.00} removed. I also want Equifax to follow the law at all times without months of consumer time to correct what this company should have already implemented.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Considering the problem that I have had that were outlined in my complain number XXXX, I would like to request an investigation into the PMI cancellation practices of Truist Bank XXXX 
As housing prices have escalated, so too has the minimum loan amounts on loans being financed by this lender. 
If I am having this much trouble getting PMI cancelled, I would assume that many other people are as well. 
Please consider investigating other consumer loans with this lender for attempts to decline borrower requests to cancel PMI.

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 2023-02-20
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Contacted Transworld Systems to inform them about a collection showing on my credit reports, I informed them that I did not know where this account came from and I never had a account with XXXX  XXXX XXXX and I was residing in California at the time this account was opened. They asked that I verify my address by sending them a utility bill from that time the account was reported in which I did, This account recently re reported to my credit profiles in XX/XX/XXXX for {$370.00} which is inaccurate information because this account does not belong to me. Initially the account was reported back in XXXX in which they deleted it and attached is a letter I received from them now they are reporting that I owe the same amount but under a different account number, I believe this company is trying to defraud me and the appropriate action needs to be take and they need to be held accountable for reporting false information damaging my perfect credit. Please remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Stellantis Financial Services US Corp.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have an existing car loan through First Investors. Previously I had some late payments on my account, and when I called them to resolve they recommended I sign up for their Fresh Start program. The agent told me that after completing 4 on time payments my account would be brought current and all late payments would be removed from my credit file as a courtesy. This has not been done. I competed the fresh start program at the beginning of XX/XX/2023 and still show late payments on my credit report. I emailed first investors about this several times and have not had a resolution. They keep attached my agreement which mentions nothing about late payments. Please resolve 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 2023-02-16
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a mortgage with Wells Fargo Bank, I'm currently XXXX on XXXX XXXX with XXXX more months left on my assignment before I come home and retire for a XXXX  and final time from the military. I was recently informed by a family member that some mail came to my home address from Wells Fargo stating Intent to foreclose. It's my understanding the letter is dated a month ago now. As you can imagine that's quite distressing for me as I am not in a position to address my issues and concerns that I have with Wells Fargo currently being on the other side of the world. Not to mention, I should be under the protection of the Service Members Civil Relief Act right now, and per the protection act I have an additional year from the day I leave the military and XXXX XXXX, still protected. Wells Fargo is aware I am XXXX, as I have had communication with them in the past updating information and even faxed my orders of service, so they once again are violating my rights! 

I've spoken to my command about my concerns and issues and was encouraged to contact the CFPB about my situation before getting a XXXX officer involved. My issues go even deeper with this crooked institution, as they are the main reason I returned to the military after I had retired, to obtain a better financial situation to afford and keep my home after I was unfairly turned down by Wells Fargo when requesting a modification in previous talks. I strongly believe I've been discriminated against by this company and I plan to get to the bottom of things and look into all options available to me once I return back to the states permanently. 

I ask that you get to the bottom of why I was sent the notice at this time. 


Thank You, Kindly

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 2023-02-16
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: Was not notified of investigation status or results

Complaint:
The open dates for are not accurate and the account numbers are invalid. Asterisks, never represents or corresponds to approproate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced 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 non-monetary relief
Consumer complaint received 2023-02-16
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I am being charged fees for things i have no reason of being charged with that caused my credit score to drop to a real low rate

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 2023-02-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am the author of this complaint as well as the attachments included in this complaint I checked my credit report and I noticed numerous inaccuracies on my credit report I reached out to the credit reporting agencies notifying them of the issues and to correct the issues but they did not nor did they respond

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
For the last week I had an approved loan with Bank of America with terms of APR of 5.39 % Nothing changed through the process, I was sent an electronic signature and signed everything but right after, I realized they had changed the APR to 6.39 % No one mentioned it beforehand, XXXX at bofa isnt returning my emails about it, I called and talked to someone not involved, they said it went up due to needing more money. 
They changed the rate without mentioning it hoping I wouldnt notice. Bait and switch The lady on the phone will not honor the original terms Because I had been approved at that rate, I did not explore other options, now I am supposed to have the paperwork for a XXXX by today so Im sort of out of options I got tricked

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 2023-02-16
Company: Self Financial Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account was fraudulent open in my name for the amount of {$120.00}. 
The date it was reported was XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
XX/XX/23 Opened mail and discovered I received a XXXX XXXX XXXX from Chase that I never applied for I checked credit report and see I had a JPMCB Card credit check on XX/XX/23 that I never authorized. 

On XX/XX/23 I immediately contacted Chase who claimed they closed the account.

Company response to consumer: Closed with non-monetary relief