BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 inaccurate information was still found in my reports which I believe has been taken care of due to the written appeals I sent. My credit report is still showing late payments on XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.

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 2023-02-02
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I recently cashed a check for my sister which ended up bouncing causing my account to go negative after I already gave her the funds. I deposited money, well enough to pay back the negative funds and then bank of the west locks my account. I call and they tell me to go to a branch and the branch says I need to call. So now I'm stuck with my money in a bank that apparently doesn't know what to do with 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 2023-12-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 explanation
Consumer complaint received 2023-11-17
Company: TD BANK US HOLDING COMPANY
State: MS
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have disputed several complaints to TD Auto Financial Services. I am requesting that this company stop reporting the account is past due when the accounts is currently closed. Also, I am currently making payments on the debt through XXXX XXXX XXXX. My balances has decreased on the debt collectors account site vs TD Auto Financial Services account is still showing an outdated balance. I am trying my best to corroborate with this company and resolve the debt, but I need them to do there job by updating the balance and information on account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-17
Company: Affirm Holdings, Inc
State: PA
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have made multiple attempts to apply for credit with Affirm ( Affirm Holdings , Inc ). Every time I have applied they are using credit reporting that is XXXX to XXXX months out date with inaccurate information. The report says it was pulled from XXXX but they information they using to deny me credit is never reflected on my actual XXXX report or the information is so out of date that it does not apply to my current circumstance at all. I have complained and complained to Affirm about this. They tell me Im approved but this is an outright lie. I have never been able to use their services. 

I am attaching a document showing their reason for denial. Its dated XX/XX/2023. Todays date is XX/XX/2023! This is insane!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX experienced a major data breach which means everything on my consumer credit report was breached. Please remove these items from my Experian report due to inconsistent and inaccurate reporting.

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 2023-11-17
Company: Affirm Holdings, Inc
State: VA
Product: Credit 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:
XX/XX/2023 I used Affirm credit ( XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ) to purchase a product that I did not receive and what I did receive was incorrect and not functioning. When I contacted Affirm they said they could not help since it was over 30 days. 

The company they provided me financing for was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX I submitted a complaint by phone after having issues reaching someone at Affirm. They said it would be a month until they would know something, meanwhile, I am still forced to make payments to them for this product that I did not receive. 
I have complained by phone several times about the company they are supporting and financing their products that are not functional.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: NY
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:
FCRA, 15 USC 1602 ( J ) 15 USC 1602 ( k ) 15 USC 1666 ( b ) 15 1602 ( p ) these law were broke and created hardship snd stress and then XXXX was being unreasonable to comply and feuds to verify me and inaccurate spelling of my reported

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 2023-11-17
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge 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:
Hello American Express Agents, As uploaded is the court documents. This will be going to Court on the XX/XX/XXXX. I implore you to wait on the dispute until the Judge has made a decision on this matter. Ive provided ample if not a exceedingly large list of why these are fraudulent charges. I find it quite amazing that you are still holding out. To highlight the facts : We had a verbal agreement that I would be charged {$5000.00} for the operation, they took my personal belonging including my credit card. 
They would not give me a fit to fly letter unless I had the XXXX ( which after speaking to council was illegal ) They charged my credit card 3 times ( which is weird, with 3 very different signatures ) at the hospital without me knowing I had to have a second XXXX here in the US to fix the work they did in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, along with the supporting equipment where the crutches broke in the airport The largest point of Fraud is that they charged my Insurance Company for the XXXX and actually had it at a different cost then they charged my Amex. This is such a damning piece of information that I am not sure why they are not seeing the discrepancies and the fact they got additional money for free. 

The fact they can charge me 3 times without my consent, we had a verbal agreement, I had to have the XXXX re-done and the doctor even said they used things they shouldnt have and you are saying this isnt fraud. I dont know what is. 
I am not sure if you can provide counter evidence to each fact that I outlined or you are just saying. We dont think its fraud, therefore too bad. Regardless this will all be presented infront of a judge on XX/XX/XXXX at XXXX for judgement. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have file several complaints with Experian and XXXX Bank concerning a credit card account I am no longer apart of. It is still showing on my credit report for Experian. XXXX and XXXX has already cleared this dispute with my credit report. I have filed XXXX disputes with Experian with the same results.

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 2023-10-05
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Credit reporting 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:
There is inaccurate information listed on my ChexSystem report. An account with XXXX XXXX XXXX XXXX is listed and Ive never opened an account with this bank. In addition, theres an account listed with XXXX XXXX. Please remove all negative information that does not belong 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 2023-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX-Opened XX/XX/XXXX {$200.00} My report for XXXX and TransUnion is show 2 different reporting. XXXX is showing my account was late in some months and TransUnion is showing never late. I reported it and nothing was change. It took them more then 30 days and still disputing. Which one is right? How can I have XXXXwo different reporting when it's the same account. 

XXXX XXXX- opened XX/XX/XXXX {$1700.00} My XXXX is showing the last payment on XX/XX/XXXX and TransUnion is showing XX/XX/XXXX. Then TransUnion is showing the account was never late, but XXXX is showing it was late. I told them this account is fraud because I had to close my bank account because of this fraud 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 non-monetary relief
Consumer complaint received 2018-01-02
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I was placed in a loan modification program wit Mr. Cooper Mortgage because I had missed one payment. I had to make 3 payments in a row. That was XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I made XX/XX/XXXX and XX/XX/XXXX payments. When I attempted to make XX/XX/XXXX payment on the XX/XX/XXXX, I was not allowed to. When I called in at XXXX XXXX EST, I was told, via the automated phone service operator, the mortgage company was closed. I went on the website and sent an email stating that I was trying to make a payment and was not allowed to. I received a confirmation email stating that my email was received. I called back the next day and made the payment with a customer service representative. He stated that because I was in a modification program they route my phone calls to another department It was XX/XX/XXXX. I never received anything back from the company regarding my loan modification. It is now XX/XX/XXXX. I am attempting to make a payment and once again I m being  told they are closed. This time I emailed the CSR from prior and asked her to help me make my payments. She responded back that she would, but I never received any help. On the XX/XX/XXXX I get a letter stating I am 4 mortgage payments behind. I am only 1 payment behind, which I am attempting to pay now. I still can not get through on the phone. It still says they are closed and It is XXXX XXXX EST.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
You are reporting inaccurate information. Please see the attached FTC report and proof that my information was compromised in the XXXX XXXX breach and remove the following unverified information from my credit report within 14 days Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: FIRST PORTFOLIO SERVICING INC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have late payments showing on my credit report with my XXXX XXXX XXXX credit card from XXXX and XX/XX/. Account # XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Telsa Motors Inc
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
I have reached out to tesla on multiple occasions to attempt to correct this error. Tesla has confirmed I do not own, nor have I ever owned a vehicle that is now financed through XXXX XXXX XXXX. I was told on XX/XX/27 to allow 7-14 business days for them to correct the error with XXXX XXXX XXXX  and close the errand loan. however, after the estimated time has lapsed, I reached out again asking for a resolution and still have not heard back. They can confirm that I do not own the vehicle the loan was taken out on, in fact it was sold to someone else who paid cash for the vehicle. I'm getting collection calls from XXXX XXXX XXXX and Tesla is telling me to ignore them and they are working on it. I need this loan closed and my credit to be corrected due to their financing error.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-10-05
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of this receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: GA
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:
CONSUMER XXXX XXXX Amount {$22000.00} is not my auto loan. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 sw 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, In fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: SANTANDER HOLDINGS USA, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
i am victim of identity theft. the information listed below, which appears on my credit report, does not relate to any transaction that i have mad. it is the result of identity theft. 
please block this information from my credit report according with section 605B of the fair credit reaporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
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:
There is wrong information on my reports which are causing financial harm to me and my family. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: DailyPay, Inc
State: TX
Product: Prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I noticed charges on my account, not mine, and immediately contacted them asked them to do a atop pay or something to stop them from taking my money qhike it was still pending. XXXX XXXX. They told I had to wait til the charges completed then dispute. I said want to go through that, but I had to because they would not help any other way. When that happened I immediately filed the disputes and sent them in writing. I've contacted them many times at least to request the provisional credit. I live paycheck to paycheck, my electricity was cut off, I pleaded with them to at least give me the provisional credit. I contacted them when this was going on, they should have it on file these charges are not mine. However, they don't care and haven't responded, when i call they have even told me they have no dispute dept. I just want my money that was taken from. At the time it was taken, I had no official card, my card was supposed to be mailed never got til afterwards, thrn when I called to activate, the card doesn't even work I had to order another and it hasn't arrived. So how did they take the money out, I don't know, maybe Friday knows they are thr only ones with access to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This complaint serves as a formal demand for an immediate and thorough investigation into specific items tarnishing my credit report. These inaccuracies are not only false but are inflicting severe financial and emotional distress due to their derogatory nature. The items listed below demand your urgent attention for deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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