BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am submitting this Complaint in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking you for more information regarding these particular items in question : XXXX  XXXX XXXX Balance Owed : {$610.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate information. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. 

XXXX XXXX XXXX Balance Owed : {$870.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy. 

XXXX XXXX XXXX XXXX Balance Owed : {$3400.00} - Evaluate this reporting by making a revision of the information provided. Charge off account should show a {$0.00} balance so why is it that there is a {$3400.00} balance indicating if it is a charge off account. Please stop this erroneous reporting ASAP. 

XXXX  XXXX XXXX  Reference # : XXXX - I would like you to review the docket number and type of public record because I have a feeling it is violating the Fair Credit Reporting Act. Please remove this public record for violating the Fair Credit Reporting Act.

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 2023-01-17
Company: EQUIFAX, 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:
I am submitting this Complaint in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking you for more information regarding these particular items in question : XXXX  XXXX XXXX Balance Owed : {$610.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate information. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. 

XXXX XXXX XXXX Balance Owed : {$870.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy. 

XXXX XXXX XXXX XXXX Balance Owed : {$3400.00} - Evaluate this reporting by making a revision of the information provided. Charge off account should show a {$0.00} balance so why is it that there is a {$3400.00} balance indicating if it is a charge off account. Please stop this erroneous reporting ASAP. 

XXXX  XXXX XXXX  Reference # : XXXX - I would like you to review the docket number and type of public record because I have a feeling it is violating the Fair Credit Reporting Act. Please remove this public record for violating the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Experian Information Solutions Inc.
State: OK
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:
I have disputed XXXX XXXX XXXX XXXX fraud account on my credit file due to fraud. This account is connected to fraud account XXXX XXXX account that has been deleted and is/was fraud as well from my credit file. I have explained and disputed this to XXXX on several occasions to no prevail. XXXX says that it is accurate and it is not! Its a fraud account associated to the fraud account XXXX XXXX account. Please have them to correct/delete this account from my credit file permanently! The most recent dispute was completed on XXXX/XXXX/2022. XXXX keeps allowing this same fraud account to continually reappear on my credit file under different names. Please help me stop this vicious cycle.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 2019-06-24
Company: Experian Information Solutions 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:
I am not the owner of XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ) I do not owe these companies..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.

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 2022-05-22
Company: SIMMONS FIRST NATIONAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had been a customer of XXXX XXXX XXXX  of XXXX for several years until it changed to the XXXX of XXXX XXXX. During the first month of my checking account now being at the XXXX of XXXX XXXX, my XXXX direct deposit came through with no problem. By the XXXX day of that same month, my account became overdrawn ( which was something that happened every month for me trying to survive on XXXX ). The overdraft was always remedied at the beginning of the next month. FOUR days later, I received a notice in the mail that my checking account had been closed due to insufficient funds and subsequently charged off ... FOUR days! That happened on XX/XX/XXXX. I was not given the chance to rectify the overdraft before they closed my checking account. Nor was I given the chance to discuss the situation with anyone from the bank before they closed my account. My XXXX check for XXXX, that was sent to the bank, was mailed back to Social Security and it took two months, I think, to finally get that check mailed to my house. It's hard enough to try and survive each month with my XXXX check as it is. So you can imagine how incredibly difficult it was for me that XXXX to live off of nothing while that payment got bounced all over the place. Anyways, on XX/XX/XXXX, I received a statement from the bank ( which is now Simmons Bank ) showing where my account was closed and charged off on XX/XX/XXXX and then they apparently received another social security check of mine on XX/XX/XXXX ( that I knew nothing about and still have no idea what it was about ) for the amount of {$690.00}. They accepted that check ( even though they had closed my checking account and supposedly charged it off the month before ) and applied it to the money that I owed them for my overdraft. That left a balance of {$180.00} which when I called the bank and talked to the customer service person by the name of XXXX, he asked me if I received the cashier 's check for the balance. I told him I haven't heard anything from the bank since they closed my account back in XXXX of XXXX. Then he tells me that I wasn't even supposed to have received this statement that it was mailed to me by accident and I should just throw it all away. Of course, I still have questions about the balance left in the account which he told me he would have a supervisor call me from closed accounts to explain everything. Just like when my account was closed, I still haven't heard back from anyone and have no belief I will ever hear from anyone again from said bank. I have tried to open a new checking account at several different banks and got turned down by all due to having an outstanding balance at the XXXX of XXXX XXXX. But, according to this statement I just got, there shouldn't be an outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: MA
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:
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-18
Company: Affirm Holdings, Inc
State: GA
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 am writing to dispute the following information that your company supplied to XXXX. I have highlighted the items that I am disputing on the attached copy of my credit report. 
These items, XXXX XXXX with a delinquent balance {$2000.00} and XXXX with and original balance of {$250.00}, is inaccurate because I never opened these accounts. I have filed a police report with the XXXX XXXX XXXX Sherriffs Office and an identity theft report with the Federal Trade Commission, please see the attached reports. I am requesting that Affirm remove these accounts. 
In addition to these accounts Affirm has sold two accounts to XXXX XXXX XXXX, XXXX for {$890.00} and XXXX for {$370.00}. I can not determine if these are the same as the above two accounts, but these are also inaccurate as I have never opened any account with Affirm. I am requesting that Affirm contact XXXX XXXX XXXX to have these accounts removed. 
I have enclosed a copy of the relevant pages of my credit report, my initial contacts from XXXX  with Affirm, the XXXX XXXX XXXX Sherriffs Office report, and the identity theft report from the Federal Trade Commission supporting my request. Please reinvestigate this matter and contact all three credit bureaus to have them delete the disputed items. 
Please be aware that I am currently XXXX XXXX  until the end of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: NY
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 is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-23
Company: Academy Mortgage Corporation
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In the mail today, XX/XX/XXXX, I received Notice of Servicing Transfer indicating that my mortgage loan account has been transferred to another company effective XXXX XXXX. This letter is the first I'm hearing of this transfer, and I obviously was not given " at least 15 days before the effective date of transfer, '' as required. I am very concerned that my payment to the new mortgage company will not arrive in time. Additionally, I had already scheduled the payment to my current mortgage company for XXXX XXXX, and their website is not allowing me to cancel this scheduled payment. I tried calling my current mortgage company and was forced to leave a voicemail after waiting 7 minutes for someone to pick up the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX, 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 Sectio 2 : It also states consumer reporting agency can not furnish an account without my written instructions. 

Shown proof by XXXX in early XXXX & myself man of time, still on report as active. Acct paid in full XX/XX/22

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 2022-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On. XX/XX/2022. Capital One did what they refer to as charge back and took back money on a debit charge I had made on XX/XX/2022 For a cell phone service plan from my provider straight talk wireless which a division of Walmart. Capital One took back XXXX from straight talk claiming unauthorized purchase which was not true because I bought the phone plan. That in turn lead to my phone service being suspended which in turn cost me another XXXX for last 7 days of my phone plan. I contacted straight talk to see why my phone was off and they told me Capital One had taken back the money. When I reached out to Capital one and said they had no right to do that and that I wanted XXXX dollars credited back into my account for the XXXX they took and other XXXX I had to pay and they said no they weren't going to do that because they have no record of a XXXX transaction on XX/XX/2022. I then contacted straight 2 more times after and confirmed both times that Capital One called it an unauthorized transaction and was not approved. But straight told me 3 times that the transaction on XX/XX/2022 was an approved transaction. Capital one stole money from me for absolutely no reason whatsoever not to mention 25 days after I has made the purchase claiming that it was walmart trying to get paid for the XX/XX/2022 transaction which 4 different customer service agents at straight talk wireless said was not the truth that Capital one was the one who took my money. I have contacted straight talk wireless and asked for copies of my interactions with customer service where they assure me that Capital One had indeed took the money back. I wan na press what ever charges I can against Capital One fir theft and swindle and whatever else I can do. This action by Capital One was a blatant all out theft and they need to be held accountable because if I had done something like that to Capital One I know fir sure I'd be charged and expected to make restitution fir money I took. I want XXXX dollars from them minimum fir my time and suffering and the money they stole from me. Also criminal charges on them as well. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I received by mail a " Pre Screened '' offer from Barclays Bank of Delaware to apply for a personal loan between {$5000.00} to {$35000.00} ( if approved ).

The following paragraph is what prompted me to inquire about credit rates : " Checking the rate and terms you may qualify for will not impact your credit information. However, if you submit a completed application to obtain a loan, your credit score and information may be affected. '' The letter very clearly states that the applicant is allowed to check his/hers credit rate and terms, before applying for credit without having an impact to their credit information. Once I filled out the required data to check for the best credit rate for me, I waited for the information requested. Instead I received an instant message on my screen and an email stating that my application for credit was denied.

The information I submitted was only to be used the check the credit rate and terms, not to apply for credit. Because of this action my credit score has been negatively impacted and I feel this company was deceitful in the way their website handles consumer 's 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 2022-12-15
Company: Cedars Business Services, LLC
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Thank you for your recent contact dated : XX/XX/XXXX. 

I wrote to you on XX/XX/XXXX, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : XXXX. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties.

4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009, and what actions s/he has taken in relation to this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had a joint checking account with my wife for 3 years. I need a copy of my statements for a government agency. They are demanding I come into a branch location to obtain this data. There are no branch locations in my state. They refuse to accommodate me in another way that is actually possible for me to obtain my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: EQUIFAX, INC.
State: NC
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:
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 : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

The Credit bureaus stated Account Name & Account, XXXX XXXX XXXX # XXXX, Account, XXXX XXXXXXXX # XXXX, Account, XXXX XXXXXXXX # XXXX, Account, XXXX # XXXX XXXX Account, DP OF EDUC # XXXX, This is Identity theft because I didnt gave nobody written consent I didnt sign no paperwork. they violated my rights I wan na sue for every violation They said account not paid in full how so I use a XXXX charge. Account, XXXX XXXX XXXX # XXXX 15 U.S. Code 1605 - Determination of finance charge Who give you the right to trying to control my credit yall just like any other business youre not government. Im not asking u Im telling u to delete them accounts 15 U.S. Code 1681b - Permissible purposes of consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: GA
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:
Under the fair debt collection practices act 15 us 1692 ( b ) ( c ) ( g ) by laws I did not give this collection agency the right to place/furnish anything on my credit report. They are in FDCPA violations, I have a right of protection from disclosing my debt/information to others by law it is the consumer reporting agency resposibility to protect my rights from furnishing my credit report with the following documentation such as Consumer statements, Public remarks, Closed accounts, Inquiries, Closed statement remarks, Late payments/remarks/Victim of fraud statements on all three credit beuruas Equifax, XXXX, XXXX

Company response to consumer: Closed with non-monetary relief