BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: TN
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 have sent the credit reporting agencies and collection agencies many letters in XXXX and XXXX of 2023 to give me written notice regarding my debit. The credit report agency sent me a free copy of my credit report and thats all and the collection agencies never responded. Both agencies are in violation of 15 U.S Code & 1692. No one have sent me any written notice about any debit and all refuse to remove the reporting. Not only can I not apply for a home, car, or a credit card ; it has damaged my credit worthiness as a American Citizen.I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report and as a citizen I know that violates my rights as a federal protected consumer.

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 2023-07-20
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Account opened XX/XX/2023. 

On XX/XX/2023 email was received stating that external transfer was suspended on the account. 

I called XX/XX/2023 and we told my issue was being escalated and I would hear back in XXXX business days. I did not hear anything during this time. 

I called on the XXXX business day ( XX/XX/2023 ) and was met with resistance by XXXX separate employees to speak with someone else about the issue. The first employee advised there was no one to be transferred to in management or a specialist dept to resolve my issue and I was placed on indefinite hold with no explanation. 

After I called back, the second employee attempted " verification '' of my identity with a text message that was never received (? I do not feel it was even sent ) and asked identity questions that were correctly answered, but I was told that I could not proceed without going to a branch. It was as is the XXXX employee was purposefully delaying my ability to discuss my issue with anyone that could help me. 

I only want the ability to set up external transfers reinstated to my account. I was given no explanation as to why it was suspended, and given the run around to try and get this resolved.

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 2023-06-16
Company: Experian Information Solutions Inc.
State: UT
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:
EXPERIAN IS POSTING FRAUDULENT ACCOUNTS IN MY GOOD NAME STATING THAT XXXX HAS THE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. 
I HAVE DISPUTED THE INFORMATION WITH XXXX AS WELL. 
SO FAR WITHOUT POSITIVE RESULTS FROM EXPERIAN NOR WITH 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 2019-09-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been pretty consistent with paying my bills on time. I'm saying this because I went to XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit I didn't understand until I checked my credit report. I see two XXXX XXXX accounts that are not mine. I've contacted the police and FTC. These items are still on my credit report : 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 non-monetary relief
Consumer complaint received 2018-12-12
Company: LEXISNEXIS
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX v. LexisNexis Risk Solutions , Inc., No. XXXX ( E.D. Pa. 2012 ). LexisNexis was found liable in a class action lawsuit for storing and disseminating expunged records. After filing a dispute in their Process LexisNexis said they closed my dispute and told me I have to fix this. They have been contacted twice concerning the removal of my expunged records. No action has been taken. I was forced to give personal information to a operator in a foreign country with access to their database there operators would not identify thereslves or put me in contact with there legal department upon my request.should they be outsourceing access to us citizens personally identifiable information to the XXXX is another argument I would like to have answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
The late payment on XX/XX/2022 ( XXXX XXXX ) is reporting inaccurately and must be removed immediately!

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 2023-06-16
Company: EdFinancial Services
State: CA
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 received an email from Edfinancial Services which is not my lender but sent me an email that they are. ( I was confused and checked this later as I had just woken up but also remembered an email some months ago that my lender had recently changed. ) As I did not remember my password and login information I was asked for my social security and birthday. They were unable to find my account but it was then that I checked who my lender was and it was in fact not Edfinancial, I believe this to be a scam in which they are gathering information and would like to report them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Citibank line of credit My wife and I applied for a line of credit to pay for a kitchen remodel $ 10- {$30.00} Whatever would be available to us. 
Over a lengthy period of several months Citibank themselves increased the amount to over $ 80k and then turned the loan into a credit consolidation loan. 
In a very contrary move they have now just denied the $ XXXX loan on the grounds that we dont earn enough and a FICO score that they supplied of XXXX. 
We also own our $ XXXX condo outright with nothing owed and earn circa $ XXXX a year. 
We at no point asked for XXXX, that figure was pushed onto us by various employees at Citibank, we did and still only actually need between 10-30k! 
Is this legal for them to push the amount up themselves over $ 50k and then refuse Many thanks

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 2023-06-01
Company: EQUIFAX, INC.
State: NJ
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 value you setting aside some information to CORRECT a portion of the data in my credit document ; notwithstanding, there is still a few record that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the Equifax credit bureau to confirm this record ( 1 ). ( A ). I'm confident the contested records are settled. XXXX XXXX XXXX : {$170.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-08
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 information incorrect

Complaint:
Currently I am undergoing financial hardships brought about by incorrect, untimely reporting! Trying to reach any of these bureaus is a farce. I understand they are now under the control of   XXXX   XXXX   XXXX   XXXX  but frankly same old, same old. The reports still reflect incorrect information and wrong information not reflecting paid accounts and   XXXX   balances from months ago. In fact my score has not reflected positively due to this. Opinion- forget all they hype someone creates the scores and by experience they are being evidently manipulated to cause me to pay more. Someone has to have responsibility! You can not pay and go down or stay the same!

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 2023-06-01
Company: EQUIFAX, INC.
State: NJ
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 8th 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX XXXX : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I applied for a Discover Card and got approved on XX/XX/XXXX. I got approved for {$1500.00}. So I received my card I was using it everything was fine until up until XXXX XXXX, XXXX when they decided to close my account due an ID Verification issue they said it was because of a duplicate social security. On XX/XX/XXXX. XXXX they sent me an email asking for that I sign over the IRS Consent Form 4506-C to them in which I did. I went on the website sent it over to them. 

Then a couple days later on XX/XX/XXXX Discover Corporate Security sends me a letter saying the closed my account. 
I called Discover to get reopened they said they cant and then gave me an excuse of a duplicate social security. They said I had to write to Discover Protection Services based out in XXXX XXXX. 
Name Social letter describing what issues Im having its like dont you know what going on of course they do. They just dont care about ruining peoples credit who are the bottom.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions 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 Inquiries is not mine and it's totally Fraud, 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 explanation
Consumer complaint received 2019-07-16
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:
The following accounts were disputed but transunion never updated theses accounts as being disputed. 

US DEPT OF EDUCATION Closed Closed on XX/XX/2017 US DEPT OF EDUCATION Closed Closed on XX/XX/2017 US DEPT OF EDUCATION Closed Closed on XX/XX/2017 DEPT OF ED/XXXX   Closed Closed on XX/XX/2017 DEPT OF ED/XXXX Closed Closed on XX/XX/2017 DEPT OF ED/XXXX  Closed Closed on XX/XX/2017 2017

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 2021-04-26
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: Account information incorrect

Complaint:
FOR SEVERAL SEVERAL MONTHS NOW I HAVE BEEN TRYING TO GET THIS ISSUED RESOLVED BUT HAVE BEEN GETTING THE RUNAROUND EVERYWHERE I GO. THIS NEEDS TO BE RESOLVED IMMEDIATELY AND THIS IS MY LAST ATTEMPT BEFORE PURSUING LEGAL ACTION. I HAVE NEVER BEEN LATE ON ANY OF MY FEDERAL STUDEN LOANS. I CONSOLIDATED ALL OF MY LOANS ON XX/XX/2018 ( ATTACHED IS PROOF FROM MY CURRENT SERVICER ; XXXX XXXX XXXX. THE FEDERAL STUDENT LOANS THAT I CONSOLIDATED ACCRUED SEVERAL LATE PAYMENTS AND DEROGATORY REMARKS. HOW CAN THIS BE IF THEY WERE CONSOLIDATED AND THE BALANCES WERE REDUCED TO XX/XX/XXXX? I HAVE CALLED THE US DEPT OF ED, XXXX OR XX/XX/XXXX XXXX, PERKINS LOANS, AND THEY HAVE NOT FIXED THE ISSUE. IT IS THE CREDIT BUREAUS OBLIGATION TO REPORT ACCURATE INFORMATION. THIS IS NOT ACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I applied for credit with chase Bank in XX/XX/2023 and was denied..an do to usc 1601 to 1681 I can't be denied an extension of my own credit for any reason resulting in discrimination

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Kikoff Inc.
State: VA
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Ive reached out to this company more than 4 times in the past 3-4 months and STILL havent received any assistance. To submit a ticket, they request a screenshot, but their system wont allow attachments and always throw back an 403 error. Ive explained multiple times that my email is full and will no longer accept emails on the email address I initially registered with. Additionally, I setup 2 factor identification, but I no longer have the phone number associated with the account and have been unable to login to the account to update any contact information for myself. Ive been patient, but this company takes money out of my checking account every XXXX of the month but are non-existent when it comes to providing customer support to their users.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was looking for a chow chow dog online n I found their website i checked it out there was lots of available dogs nI finally picked that dog names XXXX. I didn't call em or anything like that cos they don't have a phone number or even an address. I ended leaving my phone number and name and email address on their website. And the next morning which was yesterday morning I got a text from them they said they are the breeder of chow chow dog that I'm looking for and then we talked ab the dog and shipping and stuff then I asked em how do I know y'all real and they took a video of the dog with a paper that wrote my name and address on it. I trusted them I decided to send them XXXX bucks ( XXXX for the dog plus XXXX shipping cost ) It was XXXX money transfer. After I sent it they asked for Hidden charges for the electric dog crate on the plane something like that and they also said the delivery company won't be able to get the dog shipped if I don't pay for that charge.i mean why didn't he tell me at first if he did I wouldn't buy the dog. At that point I realized that I'm being scammed. I decided to ask him to get my money back and he just never answer my text. 
This is the delivery company number : XXXX ( XXXX ) XXXX.they tried to call me like 8 times but I didn't pick up the phone cos Ive already known they are scammers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts in question. listed below continue to report on my credit report in violation of federal law. These accounts in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX/XX/XX/2018 - 30 DAYS LATE? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I thought I was signing up for a free TransUnion account ( so that I could freeze my credit ). It did ask for a credit card, but I honestly did not see where it said that I was being charged for anything, so I assumed it was some sort of identity verification. Apparently there was a banner along the side that said I was signing up for $ XXXX credit monitoring. It was very unclear from their website that I was signing up for a paid service ( especially because the other credit bureaus have free accounts that you can use to see your credit score ). This seems to me like a total scam designed to get people to unwittingly sign up for credit monitoring. Also, if you click Get Your Free Credit Score at the top of their website, IT TAKES YOU TO THE SIGN UP FOR A PAID SERVICE. I tried to cancel online, and it doesnt work. I will be calling them in the morning, and if I cant get a refund, Im issuing a stop payment thru my XXXX because 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
Consumer complaint received 2021-09-30
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX XXXX XXXX did not consent to, authorize nor benefit from the following account. Block and remove it. The address is different from my physical address. As a consumer my rights are being violated, my reputation has been ruined. Which has impacted my credit in which has impediment me from providing for myself and my family. It has caused me emotional trauma that has hindered me and my family from progressing forward in our lives. They violated Federal Law with 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ) and 15 USC 1681a ( 4 ) 1692d ( 1 ) 1692b ( 2 ) 1692d ( 5 ) 1692c ( c ) 1692g

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