BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-14
Company: Velocity Portfolio Group
State: AR
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I took a loan out with XXXX XXXX  back in XXXX and XXXX. The company wrote one of my loan off and placed in my credit report that both loan was paid off 100 %. I been un the impression that I was debt free from the company until I received an advertising letter in the mail saying I was being sued. I was in told shock and I started inquiring into this matter. I reached out to XXXX XXXX and the rep told my to file a dispute and a complaint. There was nothing she could do on her end the account is with Velocity. I then called Velocity and the Guy told me I would have to speak with their attorney. I tried to explain to him that no one has contacted me regarding this matter from this company. He replied I still have to talk to the attorney, I called their company and explained to the Rep that both accounts I had with XXXX XXXX has been reflecting in my credit report that I have paid both accounts off. I have been under the impression that both accounts were resolved until now. 
The Rep just told me that the law suit has been filed and there was nothing she could do. Very un professional. There was no ( let me look into this or call the company to see what we can do to resolve this. )

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 2023-05-02
Company: EQUIFAX, INC.
State: TN
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 second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts DEPTEDXXXX XXXX Balance : {$7100.00} DEPTEDXXXX  XXXX Balance : {$3600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
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: Credit inquiries on your report that you don't recognize

Complaint:
1 - XXXXXXXX XXXX XXXX XXXX - Fraudulent Information following a dark web exposure 2- XXXX  XXXX multiple times 3 - XXXX XXXX  - multiple times 4 - XXXX XXXX multiple times

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
American Express Sent me a marketing on XX/XX/XXXX. 

I have received other marketing material from American Express since XXXX. I have made requests with XXXX XXXX and XXXX XXXX XXXX XXXX None of the requests have been honored and i continue to receive marketing materials from American Express. I am very upset that this continues to happen and i would like it to stop. I have applied for the The XXXX XXXX XXXX Credit Card from American Express and the The XXXX XXXX from American Express. I have been declined for both and i have asked not to get any further marketing from the companies because of this. I have every right to use the opt out and the XXXX  to stop solicitations. Yet, American Express does not respect my requests and they continue to solicit at their leisure despite my requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: TX
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 HAVE 3 INQUIRES ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE AND THEY NEED TO BE REMOVED IMMEDIATELY. BY LAW THEY HAVE TOO BE REMOVED. THANK YOU.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Home Loan Center, Inc.
State: OK
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
My complaint is on a company called lending tree LLC, this company is constantly on my XXXX account becouse I tried to get a loan through them 3 or 4 years ago to buy a house, I was denied that loan becouse of my credit report, and they have been on my XXXX account leaving messages for me to get approved for a mortgage loan, personal loans, and whatever other kinds of loans the offer and promoting different ways to get financial assistance for my business and personal loans needs but every time I try for a loan through them they turn me down, why do the keep asking me to apply for a loan when they always turn me down. You would think that they would Finnaly stop sending me invettations to apply if they are just going to turn them down, they have sent me 6 invettations to apply for a loan in the last couple of days after turning me down for a loan a week ago, then they suggest you apply for less money, and then turn you down again and so on and so on!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Opened XXXX. XXXX XXXX  Balance {$17000.00} ; XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX  Balance {$18000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: AR
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:
I had a car loan thru XXXX XXXX for a XXXX XXXXXXXX XXXX. The payments were due weekly and added up to XXXX monthly. I had my account set up on autopay and never missed a payment. I checked my payment history and it says I was late 30 days. I have had two vehicles paid in full with this company and never missed one payment. I tried reaching out to corporate and they told me to reach out to the credit bureaus. I did. I sent a dispute about the pay history being incorrect. They in return said the information was accurate and would not investigate the matter. I want the payment history updated to all payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: SYNCHRONY FINANCIAL
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Synchrony Bank has rolled over a 24 month CD ( #  XXXX ) against my instructions and now wishes to fine me over {$3000.00} to retrieve my money. The CD matured just 14 days ago at which time I gave instruction by phone to transmit the funds to my linked outside account at another institution. Their web site has no provision for providing the instructions they require to prevent automatic roll over forcing it to be done verbally. I have discussed with Synchrony supervisor XXXX XXXX. He will not reverse the roll over. He says he can not find record of my phoned in instructions. XXXX XXXX confirmed that the phone number he had on file was not current. 

Synchrony Bank has developed a system to prevent customers from closing their accounts without being ripped off by fees termed " Interest Penalties ''. These penalties were allowed so as to prevent customers from obtaining improved interest returns but then changing their minds part way through the term of the CD contract. Instead they are being used to trick customers into keeping their accounts open when they are not wanted or alternatively ripping off those who close their accounts. 

I hope you can resolve this matter for me and also achieve a change that will prevent investor rip-offs of this nature. 

Best regards, 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 2023-05-02
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I am submitting this CFPB Complaint to demand that the Credit Reporting Agencies remove the fraudulent and inaccurate personal information being reported on my Credit File in accordance with the Fair Credit Reporting Act. The names, and addresses presented on my Credit Report are either inaccurate that it does not reflect my accurate and lawful information or resulted due to identity theft. Either way, I am demanding that the Credit Reporting Agencies remove the fraudulent and inaccurate personal information off of my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX. I sent a dispute letter to the XXXX XXXX XXXX last XX/XX/XXXX, XXXX with complete attachments of my personal identifying documents as well as a copy of the FTC report I received from the FTC .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
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:
I disputed these accounts that dont belong to me in XXXX of XXXX  and i was looking at my credit report today XX/XX/XXXX and i saw the accounts that dont belong to me dating back to XXXX  are still on my credit report. I did not do it and i didnt benefit from it. Please block and delete these accounts that i never signed up for. this is causing me to not have a place to live. i am currently living in a shelter waiting to get this resolved. thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
After XXXX weeks of hearing from everyone I called and called me, asking for me with my full name you need I'd we can't help you it's for your protection over and over, I'm in a mental hospital right now because of the incredibly overwhelmed and confusion of my bills not being paid, but mysteriously my account is open and like usual it's short, on XXXX XXXX my balance was XXXX I haven't used my debit because it was shut down now I'm in XXXX XXXX XXXX XXXX XXXX ca XXXX after all that absolutely nothing I can do without a I'd and it just popped open XXXX bucks short, and there is absolutely no way to lie out of this my statements says XXXX amount the day they shut it down, I did not use my card and now it's XXXX dollars short

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 2023-12-14
Company: Experian Information Solutions Inc.
State: MD
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:
1 ) I have unauthorized credit inquiries XXXX XXXX on XX/XX/ i did not authorized 2 ) .XXXX  on XX/XX/ was not authorized 3 ) XXXXXXXX XXXX was not authorized

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 2022-06-01
Company: Experian Information Solutions Inc.
State: IL
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 ACCOUNT # XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
This account has a 1st delinquency date of XX/XX/XXXX. Transunion has already completed an investigation in XXXX stating this item would be removed in XX/XX/XXXX - 7 years past date of first delinquency. XXXX continues to provide inaccurate information to keep this charge-off on my credit report. This removal that was scheduled for XX/XX/XXXX was now moved to XX/XX/XXXX based on new information XXXX provided. This account should be removed according to FCRA regulations. I am requesting the account be removed.

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 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 Inquiries is not mine and it's totally XXXX, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2023-06-20
Company: Maximus Education, LLC dba Aidvantage
State: MO
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:
I was with Navient for many years, and was unable to make payment for a very, very long time. The loan went to collections and I entered into a program through Navient to make a very small payment for I think 8 months consecutively to put the loans back into good standing and drop the total amount owed down quite a bit, I cant remember the details exactly but I think it was like reduced accumulated interest and penalties or something. That was awesome, it dropped my total owed down quite a bit. However, once my loans were back in good standing, I was still destitute and making only like {$800.00} a month and couldnt afford payments. They informed me I was making too much to qualify for any programs with reduced payments and had to either pay a ridiculous monthly payment or go into forbearance. I believed I had no choice but to go into forbearance and let interest accumulate for several years in a row, which meant that the interest ended up ballooning my total owed back up to the amount it was originally at with interest and penalties before the program to put loans in good standing that I entered into dropped the total owed to something far less depressing. I now know I was more than eligible for reduced payments or possibly interest free deferment or something like that, and that they steered me into forbearance deliberately to pump up my amount owed. Im a single dad with no college degree, my sons mother is deceased, and I know I have a loan that needs to be dealt with, but the amount owed currently is about double what it was when I completed the renewed good standing program offered by Navient, and there is no way I can pay off almost {$100000.00} in student loans and fees and house my kid. I feel I was very manipulated by Navient and XXXX truly hoping there is something to be done about it. Ive already applied for and have been approved for an income based program but havent heard what the payments will be. Please let me know if there is some thing I can do about the devious behavior of Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
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:
I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2023-09-15
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was trying to withdrawal money from my checking account which would have left me with XXXX XXXX dollars in my account. And the bank would not give me all the money I was asking for this was Friday of XX/XX/XXXX and they told me if I came back Monday XX/XX/XXXX they may or may not give me my money then. I was asking for {$8000.00} and they gave me {$4000.00} but as it is XXXX this is not a great amount of money to have on hand for their a costumer. The world now of days is working in billions of dollars and this is such a small amount of money. I don't know how it works are what is expected of a bank but I would think this small amount should be available. Can a bank not at least guarantee to provide money the next business day for {$4000.00}?

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 2023-12-14
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In accordance with the Fair Credit Reporting Act. Teh bankruptcy reporting has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate the bankruptcy they are reporting .However, they stated everything was complete and accurate. But how is that possible if I have a letter from the courts stating they didn't report my information.I also have attached a letter from XXXX XXXX stating the removed the bankruptcy because they couldn't verify the bankruptcy. I have also attached the letter from XXXX XXXX and experian stating they verified the bankruptcy ( which they are lying and breaking the law ) According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 2023-12-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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