BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. I have a few things on my file that are not correct. I am having issues with the following addresses that are not correct please delete the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I would like to request a new credit report as well so I can go over the remaining items and check for accuracy.

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 2022-08-19
Company: WELLS FARGO & COMPANY
State: NV
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: Card was charged for something you did not purchase with the card

Complaint:
Well Fargo Bank, N.A. is violating my right as consumer this a fraudulent account # XXXX i provided Wells Fargo Bank, N.A. with a FTC identity theft report also a Police report they ignored my dispute.. Wells Fargo also violated my rights Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), it is mandatory by federal law to verify through physical verification of the original documents, contracts, arrangement, obligation, pledge or promises written or, sign by the consumer all accounts you post on a credit report. Otherwise, any and everyone paying for your reporting services, business or work that could fax, mail or e-mail in a fraudulent or deceitful account or report this account was electronically created..

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 2022-11-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Tried to get them to mail me information on accounts thats been supposely brought out by other lenders with the dates that they were brought

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 2022-11-24
Company: Experian Information Solutions Inc.
State: CA
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 wrote to your company indicating my dispute of information in my credit report. Experian has not responded to my dispute and therefore must update my credit file. The late date which is actually submitted on my credit report sounds very inaccurate or deceptive. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my 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 or creditor. Please remove the late payments from this account : 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 2022-08-19
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Good Afternoon Sir or Madam, I need some help battling Amex. Amex has charged me a fee " residual balance fee '' after I have paid my outstanding statement balance in full before the due date. Amex said it is a " residual balance fee '' which is NOT disclosed anywhere on the account agreement/disclosures. Not sure how many more consumers/debtors are being charged this bogus fee, but this needs to be investigated and brought to light. 

Amex account disclosure can be viewed here : XXXX XXXX XXXXXXXX I am available to discuss this matter any time. Please call me at XXXX? 

Thank you! 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: DriveTime
State: DC
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:
XXXX XXXX, XXXX Inquired XXXX XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 


HI, I have contacted the two of the credit bureaus about the posted companies. I am not familiar and I do not own a vehicle at all, nor have I made any inquiries. I've been a victim of 2 major company breaches and one other with my email and telephone number. I am in tears not just because I am seeing this again, the credit score companies are not listening and my credit score went down by almost 100 points! This is so upsetting. I have reported the two again today, being a third time. When I checked my records, I now see ( will continue, unspecified )?

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 2022-07-27
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I want to change my method of payment from ACH and the company does not have an option on their website to do this. I have sent emails and they will not respond. I have called the customer number listed on their website and have been on hold for as long at 40 minutes but no one answers and it automatically disconnects. There is no way to reach a person at this company or conduct business on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2023-01-18
Company: Experian Information Solutions Inc.
State: NJ
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 submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or remove the following items that are harming my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-19
Company: Experian Information Solutions Inc.
State: CA
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 disputed XXXX account due to some fraud, but nothing happened in over 90 days. The dispute started around XXXX of XXXX. I was notified by my landlord that I had to move and found myself XXXX  due to the housing situation. I needed to raise my scores. I elected to settle with XXXX without prejudice until I am no longer XXXX  and can deal with it. I am the XXXXXXXX  of a XXXX  XXXX person so I had to set my priorities. 
I obtained a settlement letter, paid the amount, and have proof that they have cashed the agreed upon amount yet after the the settlement was made the account is still being reported incorrectly on my credit reports. I have worked very hard to resolve this and yet I can not get an accurate rendering of the account on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
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: Their investigation did not fix an error on your report

Complaint:
Yes I disputed this Account reporting on " Experian Credit Bureau '' mutiple times and this last time in XXXX 2022, in where I sent inaccurate/incomplete documents from the 3rd party collection agency ( XXXX ) to experian. Experian sent me a response letter saying, that the company which is " XXXX collection Company '' verified this account in which I requested all documents or proof showing this information but None to my avail. I'm gon na attached forms sent to me from ( XXXX ) of proof of debt and signature and also, my letter I sent to Experian after mutiple attempts of disputing. If this document is the original contract why is these things are incomplete and wrong, No complete address, NJ instead of Pa ( state ), s.s # incomplete, not my signature, credit card type not checked, unrecognized card infomation. Where this was these original documents generated from is suspicious.

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 2022-11-27
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am being charged for XXXX XXXX  XXXX XXXX {$1700.00} by ARS and this account isnt mine I want it removed from all three creditors and remove XXXX I was approved XXXX discharge last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX wont remove XXXX when I was approved by XXXX when I was approved a XXXX  discharge over a year ago.

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 2022-08-19
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:
I was contacted by XXXX for an interest free balance transfer. On XX/XX/21 and XX/XX/21 XXXX did 2 unauthorized hard inquiries on my personal credit report. 

I have contacted XXXX advising them that the 2 hard inquiries were unauthorized. I requested deletion letters for both hard inquiries. I was told that I had to contact the credit reporting agency. I know that to be untrue. 

I have had a loan with XXXX for 4+ years and a credit card with a XXXX credit line. When I was contacted about an interest free balance transfer I requested a credit increase to XXXX. I was told they would review my credit within the company. If I had been asked for authorization to run a hard inquiry I would have refused. I was never given a chance to authorize because I was never asked. I certainly would not have authorized 2 Hard inquiries.

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 2023-06-15
Company: SECURITY FINANCE CORP
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Security Finance in XXXX Louisiana Im behind because i lost my job. They called one of my references and left a voicemail discussing my loan amount how im behind and how much money I am behind. they did not ask how to contact me or where i work but told them about my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: ALLY FINANCIAL INC.
State: WY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022, Allybank locked me out of my account. I only had an account with them for a few days. So I called customer service to find out why they locked me out of the account. I was then notified by a member of the fraud department that they locked me out because of suspicious activity. I informed them I am on XXXX XXXX orders and a member of the United States XXXX XXXX and currently XXXX to XXXX in XXXX. They then asked for pictures of my social security number and birth certificate. I told them I did not bring those documents with me on my XXXX. But I can give them a copy of my military orders showing I was in XXXX for official duty. They then told me that wasn't enough and ultimately locked me out of my account and closed it. I believe my military orders should have been enough for them to verify who I was and that I was not a person committing fraud. I called multiple times to try and get this situation cleared up but they told me there's nothing they can do.

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 2023-09-26
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
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 applied for the Barclays luxury black card and received a letter for me to call and confirm that I have applied for the card. I called them, and confirmed that it was me, and they told me that there is a block on my account, and that some other department will call me back and resolve this issue. I get no call back after waiting for more than 2 weeks, so then I call back, and I know there is an annual yearly fee of XXXX dollars, which I tried to make a payment and they said that there is still a block on my account and that I wouldn't be able to pay it. Mind that I still haven't received my card and have absolutely no information or access to this account, the least I thought I could do was pay the yearly fee. The reason of my complaint is that they reported my credit report/ credit bureaus as 30 days late. After seeing this 30 days late I called them, and they tried to resolve this issue because it wasn't my fault that this happened. At this point I am very upset and i told them to close the account because I don't want anything to do with them. They said they closed the account and will remove the annual fee and also said they'll notify the credit bureaus, and that I have nothing to worry about and how this is their fault, as well as reverting that late and all will go back to normal. The whole point in which why a late was put was because it was their fault claiming I couldn't pay the fee. As I said once already, I HAVE NO ACCESS TO THIS ACCOUNT. After speaking with them ( XX/XX/XXXX ) and thinking this issue would be resolved, I check my reports on XX/XX/XXXX and see that they put 60 days late on my report. So, I call them again thinking they would stop this nonsense, but they claim that it will take 2 months or so to get it resolved. I'm not trying to wait another 2 months and see my credit score go even more low than it already has, and my credit limits decreasing on all the other accounts, ruining the perfect credit score that I did have!!! Please if there is any hope to get this resolved within a good time frame that would be great. 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 monetary relief
Consumer complaint received 2022-04-23
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX # XXXX ( XXXX, experian ) Has violated my rights! 
XXXX # XXXX ( Experian ) has violated my rights! 
XXXX XXXX # XXXX ( XXXX, Experian ) has violated my rights! 
XXXX XXXX XXXX # xxxxxx ( Experian, XXXX ) has Violated My rights! 
XXXX XXXX  ( experian ) has violated my rights! 
XXXX XXXX XXXX  ( XXXX XXXX XXXX  ) ( experian ) 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 non-monetary relief
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: DC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation