BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-17
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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX  XXXX Balance : {$0.00}, XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-25
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wromng person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
long story make it short start from XX/XX/2020 Bank of America in XXXX XXXX Iowa has taken my money,!!! Suddenly I checked my account to see if my money was in it yet the receipt said I owe like XXXX negative I freaked called them right away they say this is not there problem call iowa work force they the one that did it I have my unemployment money for all this time everytime my unemployment goes in it gone I file my unemployment for nothing I don't know what to do I need my money they tell me it's gon na get fixed and never did if talked to many people no one has yet fixes my account I'm homeless in the streets now this needs handled please!! Sincerely 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 2020-12-28
Company: Kriya Capital, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Credence keeps calling but does not verify the debt, just keeps calling even when asking for verification and they contact others about debt. They do not send verification or anything, and they keep calling from all sorts of numbers. I only know since the spam id verfies them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-08
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Our problems are two fold. First, we received an offer to refinance from our current mortgage company, Lakeview Loan Servicing. Upon qualifying, the the closing statement erred in that included closing costs financed into the loan amount that the offer stated would be waived. After protesting two times we were finally advised by the representative for Lakeview and XXXX XXXX XXXX, their servicing agent that they would not alter the closing statement. 

Second, as the process was taking a long time we provided the appraisal requested by Lakeview to their Escrow Department on three occasions to remove the PMI on the current loan. Three times they sent the same form letter ( the last one dated XXXX2021 ) stating the loan to value was not 80 % when the appraisal and loan payoff reflect a loan to value ratio of 77 %. 

We include the offer letter on a mortgage refinance, our appraisal requested by and provided by the appraiser of Lakeview 's choosing and al letter of our last attempt of three appeals made for them to reconsider their position.

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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recently, a student loan has appeared on my credit report that does not belong to me. My student has been paid in full for over 15 years. 

I have tried repeatedly to dispute this with documentation showing it is paid if full, but all I get back is " verified '' or " accurate '', when it clearly is not. 

I have been XXXX from a XXXX XXXX since XXXX  and I rely on my good credit so that I can survive day to day with my limited XXXX. I am tired of having false information on my report and struggling to get anyone to listen to me that this is not mine as my in paid in full. 

I don't know how much more documentation I can provide that shows it is paid, or of my XXXX, but it is like no one is actually reading my complaints and believe some company that is in direct violation of the fair credit reporting act. 

The only thing I have not done at this point, because I can not afford it due to the XXXX is to file a lawsuit against these companies that want to prey on the weak and innocent. 

I am attaching my documents again in hopes that they will be taken seriously and they will stop reporting information that is just plain FALSE.

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 2023-06-26
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:
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. 

Account name : XXXX XXXX Account XXXX Account name : XXXX  XXXX Account XXXX Account name : XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

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 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This is my 23rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$690.00}

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 2023-10-20
Company: CITIBANK, N.A.
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/23 I used my Citibank credit card to pay a {$900.00} payment at my credit union. On the same day, I paid a {$900.00} payment on the Citibank credit card. I now understand this was considered a money transfer and I was charged a {$45.00} cash advance fee, as well as {$16.00} interest charge. I was told by a Citibank representative on XX/XX/23 that payments are applied to the minimum amount due in each category of charges, then to the highest interest rate balance. The minimum payment due at that time was {$83.00} due on XX/XX/23. I also paid another payment to Citibank of {$1000.00} on XX/XX/23, making a total of {$1900.00} paid for the month. Citibank posted and began charging interest on the {$900.00} on XX/XX/23. In spite of the {$1800.00} payment above my minimum payment they only credited a couple of XXXX of that to my highest interest rate balance of {$900.00} leaving {$640.00} subject to a 29.99 % interest rate. Rather they applied it to my much lower balances. I was told they will not credit payments made to the highest balances until the next statement. That seems unfair since they charge interest immediately, but will not apply payments made above the minimum to the highest balance until the next statement where the balance shows, thus forcing the consumer to pay the exorbitant interest rate. I was also informed they charge interest on the interest that has accrued. That seems excessive, greedy, and unfair.

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 2022-11-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: EQUIFAX, INC.
State: AL
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:
Due to my understanding someone reported false information an false address an date of birth on my Equifax credit report cause my credit report be poor along with false information to harm my credit an long proving false information to credit card company denied my credit requests everything be removed off my report reporting false information to all XXXX credit bureaus company allowed to stop false information being reported with. Full disclosure an investigation need to file my name is XXXX XXXX XXXX XXXX XXXX XXXX what's on my identification an state issue identity card address fraudulent activity that someone use my personal information to uptain credit online illegally here is the supported document to support the claims an request to forward this to support my Equifax settlement i never received

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Hi, My name is XXXX XXXX. I have a bill with One Main Financial. I have been receiving harassing phone calls 3 or 4 times a day with the manager XXXX. I have explained to her the we were going through difficult times because we had to overpay the government {$800.00} a month. We had stop making payments at one time. We worked it out, I started back making {$800.00} payments to one main even though we are still struggling. She keeps calling 3 or 4 times a day even after I made the payments. One main is in XXXX, TN. The number is XXXX. I want it to stop or Im taking further action. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am writing to report multiple unauthorized hard credit inquiries on my credit report. Despite not applying for credit with the listed institutions, I discovered ten unauthorized inquiries, as detailed in the attached documentation. These inquiries, made without my consent, violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). I have already disputed these inquiries with the credit bureau, but the issue persists. I am seeking assistance in rectifying this matter, ensuring the removal of these unauthorized inquiries, and preventing any further violations of my credit rights.

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 2023-05-23
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I had an account with XXXX XXXX. And I was not givgo XXXX til XXXX then my account was stolen. So I left I was trying to reopen an account now say I cant. I did not receive the XXXX XXXX that was sent out. My part was sent to my ex hundred that not right. I want my part {$900.00}

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 2022-10-09
Company: Experian Information Solutions Inc.
State: MI
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 XXXX XXXX : # XXXX, 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 th

an seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A p
erson shall not furnish a account with my written instructions

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 2023-06-17
Company: Experian Information Solutions Inc.
State: VA
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:
Ive Submitted multiple request to the credit reporting agencies Who are in direct violation of 15 USC 1681 c-2. 

FAILURE TO REMOVE AND BLOCK THESE TRANSACTIONS WILL RESULT IN FEES OF {$1000.00} PER VIOLATION AS STATED YOU ARE VIOLATING MY PROTECTED CONSUMER RIGHTS

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 2023-01-08
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: Account information incorrect

Complaint:
XXXX. XXXX XXXX. XXXX XXXX XXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 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 explanation
Consumer complaint received 2020-12-25
Company: BBVA FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Complaint Description : XXXX $ new account checking and savings bonus under " summer blitz promotion 2020 '' has not yet been received. On XX/XX/2020 ; a new BBVA checking account and savings account package were opened in response to a " summer blitz promotion 2020 '' offer, whereby a XXXX $ bonus would be issued within 90 days after receiving direct deposits worth XXXX into the checking account, and an additional XXXX $ would be received after depositing and maintaining XXXX in the savings account. Both of these requirements have been completed : BBVA has been and is still receiving direct deposits since XX/XX/2020 ( the XXXX requirement was completed on XX/XX/XXXX ) and have received much more than the XXXX required, and the XXXX deposit into the savings was completed on XX/XX/2020, and its now well over 90 days. As such, BBVA is supposed to pay out the XXXX $ bonus to us. We contacted BBVA 2 weeks ago and spoke with customer service, however we just kept getting transferred between representatives with no resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-24
Company: Experian Information Solutions Inc.
State: IL
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:
I recently checked my credit report and i notice there is unauthorized credit inquiries made by the companies listed I never authorized and for no legitimate purposes. This constitutes a violation of my rights under the fair credit reporting act 604 as well as violation of my rights to privacy.

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 2023-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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 been trying to resolve issue with bank providers due to fraud, on several accounts. Please look into the this matter, as it has been 10 years chase, as well as Bank of America. I have not had the proper investigation due to me asking for statements and putting money into the account. The account was closed with out my knowledge of any fraudulent transactions.

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