BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received my student loan refund checks on Friday, XX/XX/2023 in the mail. I went the same day inside the branch to deposit them into my account just to have my account frozen and locked. I was flagged by the fraud department and contacted them this morning on XX/XX/2023 and was told to go back into the branch to take the stubs from my checks, the deposit receipt I received and the envelopes them came in. I took them back as instructed, all the while being told that if the checks that I received couldnt be verified FROM THE UNITED STATES DEPARTMENT OF TREASURY mind you, my account would just be closed with no explanation. I have gone through this with Fifth Third before and the ridiculous overdrafts they charge me as well. I just want my funds released and the hold taken off so I can pay my bills and go on with life. They claim to be doing an investigation and I should hear from them in 24-48 for a decision. I feel that this is highly illegal honestly. Fifth Third Bank needs to be investigated and a class action lawsuit needs to filed against them honestly because this is pathetic. Especially when legally a check from the treasury is supposed to be available the next business day when deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian is reporting an illegal public record. Report XXXX  XXXX claims this was certified via XXXX XXXX 

I find myself enraged, considering on XX/XX/23, XXXX XXXX certified to the CFPB that no Bankruptcy records are showing on my file.

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 2023-01-24
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
In XXXX of XXXX, I obtained what was called a " Borrow and Grow '' loan through SeedFi. I maintained payments on this loan religiously, and was then informed of XXXX of XXXX that Seedfi was selling our loans to another company by the name of XXXX  We were told that our loan terms were going to remain the same, that nothing would change. With Seedfi, we were told that we have a savings account at XXXX XXXX XXXX 
I paid my loan of early, on XXXX, after XXXX retained credit card information that they were explicitly told not to retain and made that the default payment on my account. This could have presented an issue, however, I was able to take care of it before it became one. I have spoken to multiple people at both Seedfi and XXXX and no one can tell me when I will have access to my savings money. It was my understanding it would be released within 7 days, which is a reasonable amount of time. XXXX says it will most likely be more than 30 days ... .that isnt what my contract with Seedfi stated. Seedfi tells me that they have had issues with customers complaining about the same thing as far as not having access to their money when they should. Seedfi also tells me now that they can not assist me whatosever, as they have sold the loans to XXXX I have been hung up on multiple times with both companies when I call to inquire. I feel like they have stolen {$1500.00} from me. 
Could you please help me figure out what they are doing with my money and when I will get it? I have practically begged them to release my money. I have almost lost my vehicle and better waiting on my money to be released. 
XXXX XXXX has never had an account in my name according to them also. I gave them a call when neither company would answer my questions. Ironic since that is where my savings account was supposed to be housed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: ALLIANT CREDIT UNION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I submitted a dispute for a {$740.00} purchase from XXXX. I explained that XXXX delivered me the wrong product ( it was not the product described in my order, but a different product ) and refused to refund the purchase or to send me the item I actually ordered. 

Alliant Visa just sent me a letter claiming that I did not provide sufficient written evidence to support the dispute

. Ho wever, Alliant did not request any additional details from me, despite my contacting them on multiple occasions to determine if they needed anything from me. This is not the first time Alliant Visa has conducted itself in this manner with disputes ; it is an established pattern.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: EQUIFAX, INC.
State: LA
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 told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX  XXXX However, they stated everything was complete and accurate. But how is that possible if the High Balance, last verified, closed date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. So How n the hell is there a balance on a charged off account? According to 15 USC 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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. 
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my cas

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Some companies are reporting me as late even when I'm not that's why I want you to look at the documents that I've 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 explanation
Consumer complaint received 2023-07-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am writing to submit my third CFPB complaint concerning the remaining fraudulent inquiries in my XXXX and Equifax Credit Reports. While I commend XXXX for promptly removing all the fraudulent inquiries I specified, I am deeply dissatisfied with the lack of action taken by XXXX and Equifax. Regarding XXXX, I appreciate that two out of the six listed fraudulent inquiries were removed from my credit report. However, there are still four more inquiries that require immediate attention for complete removal. As for Equifax, not a single one of the listed fraudulent inquiries has been addressed, and to my dismay, I recently discovered a new fraudulent inquiry added to my report on XX/XX/XXXX. This ongoing issue has caused considerable distress and financial strain, as it continues to impact my creditworthiness. In accordance with the Fair Credit Reporting Act ( FCRA ), credit bureaus are obligated to investigate and respond to consumer disputes within 30 days. Regrettably, it has now been several months since I initially raised these concerns, and I have yet to receive a satisfactory resolution. This delay is unacceptable, and I have suffered significant financial repercussions as a result. I kindly request that XXXX and Equifax take immediate action to remove the following listed inquiries from my credit reports : XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX 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 2023-02-20
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have reported it to the credit Breau I never had an account with this company. I have requested them to stop but they continue to call, daily.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: ME
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 have provided XXXX XXXX  and XXXX XXXX ( x 2 accounts ) with proof that I have been working outside of the USA for over 14 years. I never applied for these three cards, and they do not belong to me. I have tried everything to have this removed. It is causing a problem with my security clearance. 

Also XXXX, This was not mine also

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 2023-07-22
Company: EQUIFAX, INC.
State: CA
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 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: NC
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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX ; XXXX XXXX XXXX Balance : {$470.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$530.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$260.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX.

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 2022-03-07
Company: Credit Plus Inc
State: NC
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 need validation ( Not Verification ) I need a copy of when I sent your company a written permissible purpose to validate the inquire and please provide a Audit Trail. 15usc1681b Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
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: Information belongs to someone else

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I requested a payoff letter from the Huntington mortgage portal on XXXX XXXX for a XX/XX/XXXX close date, it was immediately issued and I sent to my attorney for the close. 

XX/XX/XXXX we closed and the title company reached out to my attorney stating that they needed " a real payoff with information on where to send or to wire the payments '' and would withhold my proceedings from the sale until this was resolved. 

Given the time of night, I sent a message via their client portal to ask for assistance : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX I sold XXXX XXXX XXXX today and the title company -- XXXXXXXX XXXX -- deemed the payoff letter incomplete- they have asked for a " a real payoff with information on where to send or to wire the payments '' They are holding the proceeds of the sale without this letter. Per my attorney you should waive the per diem given the insufficiency of this letter. Please respond ASAP. 



After no response, I called on XX/XX/XXXX and spoke to XXXX. She informed me they do not waive the per diem and that I must have messed up the letter. I told her I was looking at the letter and confirmed had sent it properly and that the actual contents of their template were deemed insufficient by the title company. I informed her they were withholding my proceeds from the sale. 

I confirmed that the one from the portal was acceptable for closing and she said yes and that they always worked with XXXX XXXX  and no one had complained. 

I asked to speak to a manager. 

I then spoke to XXXX who said that they will not waive per diem and that she knows what the issue is ( indicating to me again that they know there is an issue with their letter ) and that I just need to provide a fax and they'll get a better letter issued to the title company. She said the portal letter was different -- but still confirmed it was supposed to be acceptable for closing. I then had to reach out to the title company to get the fax number. I asked for a direct line and she declined, giving me the general customer service line. She was also aware my proceeds were being withheld. 

I called again and spoke to XXXX -- she told me the payoff letter would take up to XXXX hours upon being briefed by the situation. I informed her that wasn't acceptable as I was paying per day and had already closed. She then put me through to a supervisor and the supervisor then said that they could get the letter out by end of day today. 

I am expected to pay the extra day this took and XXXX declined to assist in any way and declined to provide me a method to work with someone on resolution. 

Also, while trying to pull up information to submit this complaint, all of their online documents failed to load -- paperless statements were inaccessible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: LEXISNEXIS
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently applied for a home loan and was denied because of a bankrupcty that is not mine reporting on my consumer report. I contacted the Courthouse and was told they DO NOT report information to anyone reporting agencies so I submitted a dispute with the XXXX and was told this information was provided by Lexis Nexis which is inaccurate. I sent them a letter over 30 days ago disputing these false inaccurate records because I have never filed bankruptcy nor does this company have permissble purpse to furnish my personal information and this is a violation to my right to privacy. They have ignored my request nd if this is not deleted I will have to seek legal action.

Company response to consumer: Closed with explanation