BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: GA
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:
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 XXXX XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX  XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX has violated my rights. Or a 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: In progress
Consumer complaint received 2023-06-08
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } XXXX { Credit Bureau : ALL 3 } { Credit Bureaus : ALL 3 } { XX/XX/XXXX, XXXX : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on ( XX/XX/2022 } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXXXXXX 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 2021-01-11
Company: MoneyLion Inc.
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I paid off my personal loan with MoneyLion in XX/XX/2019. They held a part of the money I was to receive initially which they refer to as a " credit reserve '' similar to a secured loan. I was to receive my balance of {$200.00} deposited into my checking account upon successfully paying off my loan and I have not. It has been over 30 days. Their website states I was to receive it within 10-14 days. I have contacted MoneyLion for the past 2 weeks trying to get what is owed to me but they keep saying " they'll look into it '' or " the system has a glitch ''. Those are just excuses to not pay their customers their money that is owed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: TX
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 requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2022-04-27
Company: EQUIFAX, 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  credit card company has reported my account late and also have the incorrect balance. I disputed fraudulent charges in XXXX and spoke with several different reps over at XXXX. All they say is we will note your account. The original representative I spoke with took all information for the dispute, which was a charge for {$100.00}. I also informed her to close my account. They have not mailed me anything about the dispute, nor provided me a with a status. I want this account deleted from all 3 major credit bureaus because this balance is incorrect due to fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: AZ
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : 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 response to consumer: In progress
Consumer complaint received 2022-10-12
Company: LEXISNEXIS
State: CA
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:
Disputed accuracy, legitimacy, and proof of furnisher. I contacted alleged Data furnisher and they explained that they do not and did not provide any records containing my personal information. Disputed file with Lexis Nexis, XXXX and XXXX. 
XXXX and XXXX removed file immediately finding it inaccurate and non existing. 

XXXX has failed to remove after several request. 
Lexis Nexis-Dispute in progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681, and they Violated my rights numerous times. I demand the accounts listed below to be removed because. 

According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXXXXXX XXXX Account number XXXX XXXX, Accounts : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: Premier Student Loan Center
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/2017 I consolidated my student loans with Premier Student Loan Center who also lead me to believe I was in a student loan forgiveness program. I just recently found out that it wasn't true after contacting my original provider. I was scammed out of around {$1500.00} believing I was paying toward my loan to find out that nothing was applied to my student loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: MI
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 no knowledge of hard inquiries on my report. 



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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: EQUIFAX, INC.
State: CA
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 constantly check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. I'm demanding CFPB to enforce the correction and or deletion of these items. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willfully misstatements or omissions of material facts constitues a FEDERAL CRIMINAL VIOLATIONS punishable under 18 U.S.C. 1001. Additionally these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. Please find it in your best interest to delete the items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } XXXX : XXXX { Credit Bureau : ALL 3 } { Credit Bureaus : ALL 3 } { XX/XX/XXXX, XXXX : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on ( XX/XX/2022 } and I noticed an unauthorized credit inquiry had been made. I contacted { inquiry sources name }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, 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 2023-12-15
Company: Maximus Education, LLC dba Aidvantage
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I submitted a payment for {$300.00} on XX/XX/23 to be autopaid from my bank account to begin to pay off my student loans. The payment was rejected. I deleted my bank account information and re-entered it, and submitted a one-time payment on XX/XX/23 for {$300.00} to be paid. This payment was also rejected. I doubled checked all banking and routing information and everything matched, so I am not sure why my payments are being rejected. Additionally, I contacted my bank and was told that no attempt for payment was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Continuation of complaint : XXXX Company claimed a monetary relief amount of {$2800.00} was sent out - no monetary relief was received Company received returned funds from a merchant due to a dispute being filed- they never returned those funds. Furthermore the account that those funds wouldve been returned to was closed before the dispute was finalized. The account wasnt correlated with any other account therefore returned funds couldnt be used to offset any debt/negative amount owed to the bank - XXXX Company also claims to have mailed out another check for received funds from a processed dispute of {$160.00} - PNC DID NOT RETURN THOSE FUNDS NOR HAS A CHECK BEEN RECEIVED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022 went to open a savings account at Bank of America in XXXX XXXX NV with my inheritance cashier 's check from XXXX XXXX XXXX XXXX, in XXXX, IN. I already had a checking account for my payroll. I thought I was successful in opening the account and was waiting to clear the hold time. On XX/XX/2022 after work around XXXX went to make a purchase. My card was declined, and said my account was locked. It instructed me to call the XXXX number. When I called the number they said my inheritance check was counterfeit! They also locked my checking account with my payroll I had just received that Thursday! I contacted XXXX and explained to them what happened on Saturday morning of XX/XX/2022. They put a stop payment on the check.

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 2020-07-04
Company: Credit Bureau of Council Bluffs, Inc DBA Credit Information Systems
State: UT
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:
I noticed several hard inquires on my credit report that I do not recognize. The list is as followed : Inquiry from XX/XX/XXXX : Institution Information Credit Info XXXX  XXXX, IA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX : Institution Information Credit Info XXXX XXXX, IA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX : Institution Information XXXX/XXXX  XXXX, VA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My payment was due on XX/XX/2019 which is a Sunday. The payment was received onXX/XX/19 ; however the company charged me a late fee and interest due to the payment being received the day after it was due. The company agreed to reverse the charges to my account, however when i asked whether they had any controls to ensure that others in a similar situation were credited they said no, that the customer had to call in to have the payment accurately posted. This is not fair to the customers who are not aware that they are being charged fees and interest inappropriately because it requires that they take action to resolve a problem that is known to the card servicer.

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 2023-10-23
Company: Experian Information Solutions Inc.
State: TN
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 sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TN XXXX ; XXXXXXXX XXXX XXXX XXXX : {$990.00} ; XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$1300.00} ; XXXX XXXX Balance : {$3200.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX  Balance : {$190.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$760.00}.

Company response to consumer: In progress
Consumer complaint received 2021-01-11
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Discover Credit Card I lost my card between the date of XX/XX/XXXX - XX/XX/XXXX while traveling abroad. 

I wasnt aware of my lost card until a transaction email alert was sent to my email ONLY after the transactions were approved. Their internal fraud prevention system bypassed this transaction and let it go through. 

There were 3 transactions made 1. XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX - {$480.00} 2. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$27.00} 3. XX/XX/XXXX XXXX XXXX XXXX XXXX - {$1200.00} I was alerted about the transactions and quickly called the fraud department to block my card and freeze the account. Since I was abroad, I filed a local police report and sent an intimation letter to local police department asap. Since I was abroad, there was no proper way to community with the credit card company. 
Ultimately, the credit card company billed the fraudulent charges back to my account and passed a resolution without any kind of communication. ( I was abroad so I was not able to receive any email, mail etc ) I have attached statement, police letter and police report to this message. 

The discover credit card company has harassed me by forcing me to pay for these charges which I am not liable for. I am fed up with and afraid to deal with similar problem again, therefore I have decided to close all my credit card accounts with all other companies as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
Company: Patient Accounting Service Center
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received two letters from ARstrat Collection agency, XXXX XXXX XXXX, XXXX TX XXXX on XX/XX/XXXX. Each letter states that I owe {$100.00} for charges from the XXXX  XXXX XXXX. I called ARstrat and was informed that the XXXX XXXX had turned over two accounts for {$100.00} each for collection for date of service XX/XX/XXXX ; as a result I owe ARstrat {$210.00}. I informed them that I did no owe this amount, and verified with the XXXX XXXX  that I have a XXXX balance. ARstrat informed me that I need to call XXXX and my insurance company to get details about the amount owed. Neither XXXX nor my insurance company show any balance owed to the XXXX XXXX.

Company response to consumer: Closed with explanation