BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-19
Company: Experian Information Solutions Inc.
State: GA
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:
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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I went shopping on XX/XX/XXXX at the jewelry store, XXXX, located in the XXXX area oXXXX XXXX XXXX XXXX. While I was paying for my bracelet, a white man approached me and asked if I could resell my bracelet to him. He said he would pay for my bracelet through XXXX and would be willing to pay me an additional {$100.00} in cash as a bonus. we then made the transaction in person and he also showed me the receipt on his phone for the successful transfer. After a couple of business days, I confirmed that I received the money via Bank of America 's mobile app. 
In XXXX, I found I could not log in to my Bank of America mobile account. I went to the Bank of America office on XX/XX/XXXX to inquire and was told that my account was closed due to the risks associated with the above transaction. I was also told that the entire amount of this transaction, totaling {$2300.00}, would be frozen for no time frame. 
Over the course of the following month, I had numerous phone calls with multiple Bank of America departments. I was informed on XX/XX/XXXX that the amount of money involved in this case was transferred to me via XXXX different XXXX transfers by the person in question, the white man who purchased my bracelet, by way of embezzling from someone else 's XXXX bank account. Bank of America has returned this money to the original account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
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  has wrong address and wrong information

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: Velocity Portfolio Group
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in the fact therefore exists

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: January Technologies, Inc
State: MI
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:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under XXXXXXXX XXXX XXXX account XXXX and validation was requested as this was an account I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate that this account belongs to me, nor has my credit report been updated to reflect that the account is in investigation.I do not believe that this account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect and account continues to negatively affect me.Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
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: Account status incorrect

Complaint:
XXXX, Experian and XXXX XXXX showing payments and delinquents on my reports and that is incorrect information. XXXX XXXX  got paid in full

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 2023-11-27
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft. I also fear that debt collection agencies are violating my consumer rights by selling my information or fraudulent debts.

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 2019-12-06
Company: Experian Information Solutions Inc.
State: TX
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:
Hi, for the past YEAR I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 

1. Account Name : XXXX XXXX XXXX. Account Number : XXXX Date opened : XX/XX/XXXX Balance Amount : XXXX Reporting on : XXXX  and Experian 2. Account Name : XXXX XXXX Account Number : XXXX Original Creditor : XXXX Date : XX/XX/XXXX Balance Amount : XXXX Reporting on : XXXX  3. AccountName : XXXX XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX Balance Amount : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX, Experian and XXXX 4. Account Name : XXXX XXXX   GROU Account Number XXXX Balance Amount : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX and 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 2023-11-25
Company: EQUIFAX, INC.
State: CA
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type Balance Date Opened Collection {$380.00} collection bureau of a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: OneMain Finance Corporation
State: MS
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
The loan was presented on XXXX XXXX. The loan company is OneMain Financial. All activity was online. The loan was taken out XX/XX/21. The interest is well over 20 % and the payment is higher than my mortgage principal. The payment is approximately {$340.00} monthly plus a {$5.00} ( approximated late charge if the payment is late ). They are calling me 3-5 times a day which is causing my XXXX  to stay elevated and XXXX rate elevated. There should be a in person interview and a limit on interest rates. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had a balance on the credit card that I paid a partial payment in month XXXX and then paid the full balance in month XXXX, however, I was assessed a Mininum Interest Charge of {$1.00} after the balance was paid in full and it is also listed as a fee charged. The disclosure on the statement says " we will not charge you interest on purchased if you pay your entire balance by the due date of each month '' which I had paid the full balance by the due date on month XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-19
Company: MoneyLion Inc.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Good morning, my name is XXXX XXXX. Ive been a good member with MoneyLion for over XXXX to 3 years and they suspended my account for no apparent reason at all. I didnt even get a warning or email from MoneyLion company especially when I have my direct deposit from the city of New York XXXX XXXX XXXX XXXX They talking about Im receiving money from a third party whom I received money from which is cashapp and these third party payments where I earned income from. MoneyLion claims that my account is under investigation thinking about Im running a scam it something. Im a law abiding citizen. I send them valid documents of uploading my identification with a selfie of myself other documents of where I received my mail from and written a valid statement of the profession on what I do on my second job which is a independent contractor that does resumes research papers and other various things as well to earned a income. MoneyLion violated my rights and the contract agreement that I signed especially paying back the loan as well. Something has to give about this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: EQUIFAX, INC.
State: NC
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:
Have been working on this issue since XX/XX/2021. Could not close on my condo and sell it because of this lien. XXXX would not work on this issue with XXXX XXXX. Lost 2 sales

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: CITIBANK, N.A.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I check my credit report regularly. I noticed CBNA on my report. I do not have an account with them. I contacted them and using my social security number and my email, they could not find an account. Im not sure why Im seeing this. Ive never had an account with this company.

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 2023-11-24
Company: EQUIFAX, INC.
State: VA
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 appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be DELETED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get deleted. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC
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:
All inquirers reported to and obtained without my written consent is a violation under the FCRA U.S.C 1681 and aggravated identity theft pursuant to 18 U.S.C. 1028A. No permissible purpose XXXX XXXX XXXX XXXXXXXX no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C. 1681 XXXXXXXX XXXX XXXXXX/XX/XXXX - no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C. 1681 XXXX XXXX no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C . 1681 XXXX XXXX permissible purpose / no written consent Source of information : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, OH XXXX Reported for XXXX OVERDRAFTS Date of closure : XX/XX/XXXXXXXX XXXX XXXX ACCT # : XXXX / XXXX Charge off amount : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Reported for XXXX OVERDRAFTS Date of closure XXXXXXXX XXXX XXXX ACCT # : XXXX / XXXX Charge off amount : {$1500.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: EQUIFAX, 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:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: AES/PHEAA
State: FL
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:
Cases against the PHEAA ( FedLoan Servicing ) : Cases of Greed, Corruption, and Mismanagement. 
My Case : General seeming mis-mangagement was noticed as early as XXXX and XXXX when not all my 10+ loans were listed on my loan statements and on my online account-some were missing, which was misleading. 
My specific case of PHEAA is specific greed and corruption manifest by not sending me my annual ( or even quarterly ) accrued interest for most of the years the last 6-7 years, and automatically capitalizing the interest into the principal causing my overall student loan debt to jump over 100K, and then causing interest upon interest upon interest upon interest to accrue like a run-away freight train. 
The last accrued interest statement I received was in XX/XX/XXXX, and it gave me ( counting time in mail both ways ) essentially only 1 week 's notice to pay {$1700.00} of interest. I needed just 1-2 weeks to get these funds to keep from the capitalizing, but the argument of this case is that they were motivated by greed and wanted so much for the interest to be capitalized so that in the long run they would get more money out of me. This is corruption at its core, not in " good faith '' as the law requires. Its bad, its greed. 
So I filed a complaint with the XXXX XXXX XXXX ( USEd ). My request was to go back to XXXX and separate the interest that they wrongfully capitalized restoring my overall student loan balance and apply the next payment I made after that to the accrued interest. USEd must have sent the complaint to XXXX. I received a letter from FedLoan Servicing this past week and they refused to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Went to XXXX XXXX XXXX XXXX for consult of procedure on XX/XX/XXXX. They gave my pre-treatment " estimates '' and I paid for my portion of XXXX. My procedure was completed XX/XX/XXXX. Months later after my procedure they contacted me and said insurance denied coverage. Insurance asked for the reference number to the XXXX XXXX that the XXXX center filled out. I found out that no pre-treatent estimate was ever filled out and they called and spoke to someone on the phone and asked General and vague questions that did not apply to my case. In the beginning, if they filled out the actual XXXX XXXX that my insurance requires, we would have found out that my insurance was not going to cover. When I signed my paper agreeing to cover my finances based off estimates, to my knowledge they completed the XXXX XXXX. Since that was never completed I felt I was mislead and had to seek services elsewhere. I tried to talk to the doctor and the facility XXXX about their mistakes to ensure it doesn't happen to someone else but they were very rude and would not acknowledge their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.

Please remove the disputed items as they were opened without my consent or knowledge, pursuant to XXXX XXXX of Fair Credit Reporting Act.

Company response to consumer: Closed with explanation