BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-15
Company: Factor Trust
State: PA
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:
On XX/XX/2021 factor trust report shows incorrect information. Lists a bank account with Routing # XXXX acct # XXXX I have no know of this account. The address listed on XX/XX/2021 is incorrect, along with my email address listed, name and phone number. 
My XXXX XXXX report shows on the same day XX/XX/2021 a hard inquiry from XXXX XXXX XXXX With the same incorrect information listed on my factor trust. I believe my identity has been compromised. I have been denied over and over again for bank accounts, credit cards, car loans, Im paying a higher premium for car insurance and finally getting a car loan thru a buy here pay here dealership my interest rate is 19 %

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX I submitted a claim that stated My account was on hold XX/XX/XXXX XXXX funds were unable to be accessed. I have tried multiple times to get my money that is in account. Branch and customer service said funds were being held and account is in process of being closed due to fraud. Direct deposit from my boyfriend was being deposited into my account for about 6 months, my bank was initially Union and transferred to US Bank, however Union did not inform me I couldnt get direct deposit in his name. So my account was closed ( XXXX XXXX ), I have funds in my account that are being held. My account is closed and has been for 2 months. My funds should be returned back to me. I have tried customer service and going to branch in which they stated they have no information to get back to me at this time. - end of statement The companies response was to go to the bank and get my funds released to me, however the branch manager has not done so and refuses to give reasoning as to why he can not release my funds. I have provided all information needed for him to very these funds. I have left my number with him and he has not responded with all the times I have called. I can verify these funds and he refuses to give reason or attempt to release the funds. I have called payroll like he asked to see if the funds can be returned back, but payroll stated it would have needed to be returned within 5 days of the deposit. However, the deposit was over 2 months ago. If the bank had gave us any type of information or help we could have did this in the first place, but the bank had no information or help for us and turned their heads to help. My funds are due to me and I can verify them. I will not stop filing complaints until this issue is resolved. ESPECIALLY since there is no reasoning given to me as to why they can not verify my funds. It has been well over 2 months.

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 2023-03-23
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:
Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
OnXXXX XXXXXXXX was unable to access my XXXX} savings account. Company has incorrect information of my mothers maiden name and place of my first job. they refused any further help and I can not access my funds.

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 2023-09-09
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting 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 am writing to request the immediate removal of credit accounts associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX from my credit report. Upon careful examination of a provided screenshot, I have noted both inconsistencies, comments and inaccuracies in the account status, date last active, and date opened, all of which are in direct violation of 15 USC 1681. Furthermore, I never provided written consent for XXXX XXXX XXXX to report my information, as required by 15 USC Code 602 ( a ). 

I kindly request your prompt intervention to rectify these issues by ensuring the swift removal of these erroneous accounts from my credit report. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My personal information has been compromised and I am a victim of Identity Theft. 

There have been accounts that have been opened using my name without my authorization. I have contacted the credit bureaus to fix their mistakes and they are not taking this seriously. 

My attorney is advising me to contact all the creditors and let them know of my position. 

The following accounts need to be removed from my credit report immediately! 

XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX {$76.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$120.00} XXXX XXXX, XXXX XXXX XXXX XXXX {$91.00} XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX {$93.00} XXXX. XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
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:
When I made the decision to use my rights under FCRA, it was with the intent of fighting any inaccurate or incomplete information in my credit report. By doing so, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner that is compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness.This is just an allegation. There is no proof that I am delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you can't just decide which rules apply to your organization, so I won't let anyone report any false claims. It is important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account, I demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account.It 's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report.Please confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate

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 2023-08-01
Company: Experian Information Solutions 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:
Someone has been applying for credit in my and its not me. My score has went down from this and I need it fixed ASAP

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 2023-08-01
Company: Kriya Capital, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In early XXXX of this year 2023 I noticed a collections on my credit report for a company called credence resource management, reached out to the credit bureau to verify that I was seeing this debt correctly, and I was told to dispute it with the creditor so I sent off a debt validation letter on XX/XX/XXXX and I did not receive anything in return. I waited until early XXXX and not only did I not receive a response to my debt validation. I check my credit report and it showed that they noted the dispute on my credit report, and said it was resolved, and found to be correct, I got no notification of any communication from the debt collector, yet the debt dose not belong to me nor did they respond to my validation letter and falsely stated that they spoke with me and found that that was correct due to communication between myself, and the debt collector

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: MOHELA
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hello, I am writing to file a formal complain against MOHELA for the constant negligence and disregard of my student loan processing. I submitted my IDR application XXXX XXXX XXXX. My application has been pending review for over 90 days. I have called this servicer 50+ times and have received misinformation constantly. I have waited for 3-4 hours daily to speak to a representative. I have scheduled over 30 call backs that have not been returned. I have been promised this matter would be escalated to supervisor/escalation units and have been blatantly hung up on. I have been promised processing times of 2-3 days, 5-7 days, and 10 days all amongst XXXX that which have NONE been adhered to. This loan servicers constantly has tried to push forbearance on my account multiple times. They have refused to reprocess a new IDR plan over the phone. I have sent complaint messages on XXXX XXXX XXXX XXXX which note will be responded to within 2-3 days, NONE of which have been responded to. I requested a full audit of this account which yet has not been provided. There is absolutely no way to get a hold of this servicer as when promised a call back- the call directly goes to VM where the agent attempts to report they called to respond - when they haven't. I have received the call back, placed into the waiting que, and have been forcedly disconnected and somehow the agent still has access to leave a VM? I was guaranteed the latest processing would be XXXX XXXX  and its still not processed however payment is due tomorrow. Not to mention my monthly payment has fluctuated for 3 months and MOHELA reps have no explanation as to why. There are so many discrepancies regarding my account, and it needs to be examined thoroughly and this servicer needs to be held accountable for all the false promises they have guaranteed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
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 belongs to someone else

Complaint:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$440.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$740.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$750.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXX Balance Owed : {$450.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$3200.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX # XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; 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 non-monetary relief
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance OwedXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$580.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX Balance Owed : {$210.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$160.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$700.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$780.00} XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$770.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 receipt.

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 2023-11-21
Company: DISCOVER BANK
State: IA
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:
First, I would like to say I pay my bills and on time. 

Discover credit card did not credit my account when items were returned to the store XXXX. Discover lead me to believe they were investigating the dispute when the real truth was when the items were returned to XXXX, XXXX issued the credit back to my account but in return Discover reversed it back when I got my statement and saw that it was for a few cents more favor being on XXXX when I finally found out the real truth that Discover had been lying to me all this time racking up late fees on my account when my account was paid in full. When I found out the real truth I filed a lawsuit against Discover and they closed both my cards. When I filed the lawsuit against Discover I also in returned filed against the other two creditors because they too had a XXXX balance and it was their responsibility to have corrected their mistake and did not. 

After Discover did this to my accounts I had creditors that I had been with for years to close my accounts So with all the damages that Discover did to me it has brought my credit score way down not to mention all the time and money to get this corrected. The lawyer stated he could not believe Discover did this. Now I will have to file in federal court against Discover but now Discover dismissed it to a third party but still showing on my credit report as being unpaid.

credit score. When Discover found out I had filed the lawsuit against them they closed both of my accounts however before closing the one that should have had a XXXX balance they kept showing an unpaid balance and in return I believe made two other creditors follow suit in Discovers wrong doings. 

XXXX XXXX  account was paid in full and they too kept showing late fees and this was Comunity banks wrong doing when I paid my account in full their own employee took one number incorrectly from my bank account which in return showed my account not paid but it was their late fees which did this.

One of the three creditors I filed against in court paid me before going to court and we both came to terms and settled. The other two Discover and the XXXX creditor closed accounts but still showing unpaid on my credit report. 

This information was also sent to all three credit reporting agencies along with all supporting documents to show what was done. 

I will have to sue them in federal courts not sure when I will have the time to file. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hi my name is XXXX XXXX XXXX XXXX my Citi checking account XXXX and my reference case XXXX, I need really your help to get back my money from the bank, I went to the branch office and they didnt offering me any ways to get my funds sooner before the closing of my account. I just need help to get my money back, they have all my funds and I really needs my money. Ill really appreciate any help with my case

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