BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently made timely payments without any instances of being late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian credit report increased 3 points XX/XX/2022 Score went down 3 points XX/XX/2022 Credit score went up XX/XX/2022 Credit score went down 27 points XX/XX/2022 There have been no new negative items on my Credit report in several years and experian is dropping my score with no explanation given and no evidence or negative changes.

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 2021-08-21
Company: CarMax, Inc.
State: CT
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/2021 at XXXX XXXX  I called Carmax Customer service and spoke with them for 30 minutes and 40 seconds in reference to having difficulty making a monthly payment on time do to death in the family was told that may be able to qualify for program to skip a payment and have it added to the end of the loans term was transferred to and second customer representative in the effort to make that happen only to be told that there was nothing that could be done because I didn't qualify was then told by that Carmax customer service rep that if went online to make to post payment by Sun the XX/XX/XXXX It would not report 30 Days and that have few days extra time. At XXXX XX/XX/2021 I posted A payment with Carmax via Web site for XXXX and Mon At XXXX the finances were deposited into my credit union account to satisfy the posted payment amount.Found out the the XXXX payment was not received on XX/XX/2021 do to a credit alert I then Called Customer At Carmax at XXXX XXXX  for 9 minutes and 23 seconds to discuss this alert and the miss information that was given to me on XX/XX/XXXX. I called my Credit Union to investigate Why Carmax Payment was never withdrawn and was told it declined at XXXX XX/XX/XXXX prior to XXXX XXXX My Carmax Account information indicated to payment for the month was satisfactory despite this issue At XXXX I called Carmax for 14 minutes and 45 seconds to Remake the Payment explained the issue... My Carmax Account is showing 30 Days late on my credit report causing my score to drop 40 points. I need this 30 day Derogatory issue to change as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: BBVA FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was a Simple bank customer for several years. Simple shut down and all accounts were transferred to BBVA on XX/XX/XXXX I thought I would give the new bank a shot. Instead, I've been locked out of my account with no access to funds for 4+ days. They're not answering the phone. I've called 3 times with more than 1 hour wait times. 

They're not emailing customers about the problems. We have to follow XXXX to get updates, and they're not telling us when the problem will be fixed. All they're tweeting about is the call center availability. 

Thousands of people are without access to their money right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian Credit Bureau has failed to provide the services : 1. appropriate investigation services within 30 days 2. dispute filing through my paid membership, online, over the phone and Mail which has never been received from Experian 3 . Experian has provided multiple false/scam/fraudulent contact call centers, credit reporting Representatives, telephone numbers that has resulted in continued identity theft attempts 4. This is-not the same complaint.

5. The last time I contacted Experian : my email : XXXX ; XXXX was hacked 6. Documented evidence will support when agencies are investigating Experian the dispute center is unblocked ; then 5 days later Experian reports month after month Experian is continuously working on the dispute center.

7. To date Documented evidence supports my credit rating continues to demonstrate horrendous declines although my credit reporting status does-not represent or align with these horrendous declines dated XX/XX/2021. In addition, the blocked dispute center will substantiate Experian has not provided no online services it contracts to provide : Entrusting in God, equal rights, protection under the law and justice I request a thorough investigation be immediately be conducted into Experian Actions : See the two updated attachments :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: EQUIFAX, INC.
State: MA
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:
Dear Credit Bureau / XXXXXXXX XXXX XXXX XXXX  Account # XXXX Im still shocked that you continue to report this above auto loan account into my credit, and you failed to truthfully verify & investigate this account thoroughly. I just include a screenshot below that shows several inconsistencies, misleading, incomplete information on it. Its my understanding that the consumer laws clearly state that information on individual credit reports needs to be reported 100 % accurate and it needs to be 100 % verifiable. As you can see the information below, its not 100 % of either and its reporting misleading and incomplete information. Therefore, its impossible that you verified. Actually, XXXX deleted it immediately from my credit because of these several violations that I pointed out below and I demand that you DELETE it from my credit as well. Its causing this account to illegally re-aged, which is a violation under the provisions of FCRA, and therefore, it can not be reported on my credit report. For example, The HIGH CREDIT BALANCE is different between the 2 credit reporting agencies ; one reports {$9300.00}, and the other {$4300.00}. Its my understanding that the HIGH BALANCE on the charge-off account needs to be higher than the actual balance but not in this case and it needs to be reported. Again, this account is in violation of my consumer rights and it needs to be removed from my credit report. It unverifiable and its reporting incorrect, inaccurate, misleading, and incomplete information. Its completely inconsistent!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My Identity was stolen By a unknown Identity theft all account open by this unknown theft was listed in this complaint

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 2021-08-21
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
My wife and I would like to file a complaint against Citi Bank about an fraudulent wire transfer that took {$49000.00} from two savings accounts and one checking account. This started when we ordered software from what we thought was XXXX. It turned out to be a scram. Citi Bank promised a full refund. But on XX/XX/21 we received a letter from Citi Bank saying they had completed their " research '' on our request for a " wire recall '', and stated the money had already been withdrawn and no longer available to return. This is international wire fraud, and of course the money was withdrawn the minute it hit the bank. ( The bank involved was : XXXX XXXX  XXXX XXXX XXXX ). We talked to the branch manager XXXX XXXX XXXX at Citi Bank. She told us to make a police report. We did that, and returned to the bank. That's when XXXX XXXX told us that she couldn't help us anymore. So Citi Bank told us that we were on our own. We have documents, but I don't know how to send them.

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 2023-11-20
Company: Experian Information Solutions Inc.
State: FL
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:
There are 3 items on my credit report that are not mine. I did not open accounts with XXXX. ive never had an 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 2023-05-05
Company: Zions Debt Holdings
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I see ZIONS DEBT HOLDINGS on my credit in the amount of {$1200.00} from XXXX XXXX XXXX. I have no knowledge of this of this collection, and would like for them to approve a contract with me and if not I would like for them to remove this debt off my credit report as soon as possible.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
State: SC
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:
There are unauthorized credit inquiries on my Experian consumer report. I reached out to Experian regarding this issue with no resolve. My consumer right have been violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Netspend Corporation
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Attached, please find a notarized Power of Attorney authorizing me to act on the behalf of XXXX XXXX.This individual is an unfortunate victim of identity theft and has enlisted the help of our firm, ID Experts, to aid in their recovery process. Enclosed is also an ID Theft Affidavit with their police report information, identification, and proof of residence. 

XXXX XXXX  is extremely difficult to reach and their phone lines often do not lead to human beings, so I am filing our complaint through the CFPB. 

Please accept this documentation as proof that XXXX XXXX did not apply for an account with NetspendXXXX XXXX  XXXX XXXX XXXX XXXX The account number is XXXX. It also lists a routing number of XXXX and account number of XXXX. The Visa was mailed to XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

Please close the account and/or application as fraud and remove all remnants of XXXX 's identity from your records.

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 2021-05-12
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Simple Bank transitioned to BBVA with months of reminders and weeks of customer preparation. I have not been able to speak with someone at BBVA to gain access to my account since transition day, Saturday XX/XX/2021. I have called multiple days and been left on hold for hours then hung up on. 

My debit card still works but I have no idea the amount left in my account nor the ability to speak with anyone to discuss anything at all. 

I want to close my account with them and transfer to a credit union but its day 5 and looking like I wont be able to until next week.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 this isn't any influence and this is not a third party. TransUnion 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 XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 2023-08-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
15 U.S Code1681c-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 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 INSTRUCTIONS FROM THE consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN NOTICE 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!

The Fraudulent Accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} Enclosures : FTC Identity Theft Report Proof of Identity Request for Validation Letter Proof of Identity ( State ID, Proof of Residence ) Detailed letter of Identity Theft No assured value, No liability. Errors & Omissions Excepted. All Rights Reserved. 
WITHOUT PREJUDICE WITHOUT RECOURSE NON-ASSUMPSIT Without Recourse/ All Rights Reserved UCC 1-308 / 1-103 / 1-207

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20
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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly 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 2023-08-03
Company: U.S. BANCORP
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:
There is an inquiry on my XXXX Credit Report that does not belong to me. I demand the following fraudulent inquiry be deleted from my XXXX credit report immediately. Please remove the following : XXXX XXXX XX/XX/2023. Thank you. 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 2023-08-03
Company: EQUIFAX, 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:
In accordance with the three credit reporting acts, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy15 U.S. Code 1681s2 -. It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B ( A ) creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late foranypurpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-30
Company: Paypal Holdings, Inc
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: EQUIFAX, INC.
State: MS
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 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 XXXXXXXX  has me at a score around XXXX. 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 response to consumer: Closed with explanation