BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 2023-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Monday XX/XX/. Attempting to make a deposit. Only 2 tellers working, limited assistance from other staff. Wait time is completely unacceptable ( up to 12 customers waiting in line; several got frustrated and left ). Bank of America consistently has terrible customer service. U.S. consumers deserve better. Thank you for your assistance.

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 2023-02-03
Company: EQUIFAX, INC.
State: MO
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I sent {$300.00} on XX/XX/2022 via XXXX through Wells Fargo to XXXX for a concert ticket but it ended up being a scam. She never sent the ticket and now I am out {$300.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-18
Company: Midwest Recovery Systems
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A new collection account has appeared on my credit from Midwest Recovery Systems. The original credit listed is XXXX XXXX XXXX. I have never received any type of money or monetary benefit from XXXX XXXX XXXX, i don't know the original creditor, have never tried to obtain anything from the original creditor, never had any funds from them. I have recently been a victim of identity theft when my wallet was stolen about a year ago. I want these cowards to take this XXXX off of my credit report because its not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I have filed identity theft report and sent to Experian and Creditor. The Creditor sold the account to collection agency, that company is not reporting on credit bureau. The Creditor states that it is my account and I am telling them that the account was open fraudently. If this matter is not resolved I will be forced to file a lawsuit against both Creditor and Credit Bureau. I want signature on the account and the original application.

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 2023-06-03
Company: Paramount GR Holdings, LLC
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
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 purchased solar panels for my newly built home. When going threw the sales pitch, the person selling me the panels told me that there was no payments for 18 months. That was the only reason I went with them because it was a newly built home. There are things that need to be done before I was to worried about Solar Panels, but without having to pay a payment for 18 months that was doable. Shortly after they were installed, I started receiving things saying that my account is past due my payment was received and so on and so forth. Oh I spoke with somebody and told them that I agreed to make payments after 18 months and if not, then they need to come and get the panels because I didnt want them I couldnt afford to make payments until 18 months later. They tried to tell me they were the finance company and not the actual solar people or whatever but I only ever dealt with one person and I had no clue that they were represented by another company. Anyways, I sent documentation showing where I havent stated in text messages time and time again that no payments for 18 months. Hi shut sent them a copy of the flyer that they gave me when I signed up and said that there was no payments for 18 months, and they still reported me to the credit bureau and knocked down my credit score.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Nelnet, Inc.
State: VA
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:
I paid off my student loans in 2005. The lender then sold my loan, went out of business, and my loan was sold 2 or 3 more time. All while interest upon interest has been adding up for the interim 17 years at a 9 % rate. I have escalated this matter to the XXXX services, to no good end and am getting ready to send a package to the Dept of Education. XXXX XXXX is incorrectly reporting this information as well. I am unable to get a mortgage loan with this {$110000.00} debt on my credit and beseech you to help me clear this debt off, once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
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: Account information incorrect

Complaint:
I took out a personal loan from XXXX XXXX XXXX and paid it off in full on XX/XX/XXXX 
Then just recently i look at my credit report and it shows as i just took out a new loan in XX/XX/XXXX. I was contacted by them asking for my personal information and i refused to give it to them because they had all my contact information when i originally applied. 
They informed me that they did n't have any of my information because they operate as XXXX XXXX  now. I was told that XXXX XXXX reversed the payment but i was never aware of this and no one ever called or sent me any information regarding this issue.

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 2023-12-09
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV FUNDING LLC # XXXX THIS INSTITUTION IS REPORTING NEGATIVELY ON MY CREDIT REPORT! 
I DO NOT OWE THEM, I HAVE NEVER SIGHNED ANY AGREEMENT, PROPOSAL, OR CONTRACT WITH THIS INSTITUTION! I AM DEMANDING THAT THEY EITHER SHOW ME AN ORIGINAL CONTRACT SIGHNED BY ME OR IMEDIATELY REMOVE THE NEGATIVE ACCOUNT FROM MY CREDIT REPORTS!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I disputed XXXX separate transactions with my bank ( Frost Bank ). The fraudulent charges were from XXXX and stores based in a different city from where I live. I had lost my card and so I canceled it. I got a letter in the mail last month stating that these XXXX transactions were denied as fraud and so the provisional credit was reversed. On XXXX my bank account was charged back three separate times in the amounts of {$140.00}, {$73.00}, and {$43.00}. I appealed this with my bank again but was denied on XXXX according to the last banker I spoke with today ( XX/XX/2023 ). I never received this information and since I want to appeal it again I have to wait till Monday when the Fraud Department is in the office. I am pretty sure my ex used my card and made these purchases, I don't understand why my fraudulent claims are being denied. I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have attempted to settle and close this account three times, the balance was {$2300.00} approximately I offered {$2100.00} to settle and close the account. Citibank refused twice even though I explained of the death of my mother and some other Bill 's I acquired. {$2000.00} was refused on XX/XX/XXXXand XX/XX/XXXX. {$2100.00} was offered on XX/XX/XXXX and also refused by Citibank. Even though now in the coronavirus climate my wife lost half her work hours. This is a Citibank credit card account.

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 2022-02-18
Company: Bridgecrest Acceptance Corporation
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have been called by XXXX XXXX  XXXX years ago about a car my mother got in my name and I told them then it wasnt me. Now currently I see that I got a letter saying I am Being sued

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
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:
I took out a personal loan from XXXX XXXX XXXX and paid it off in full onXX/XX/XXXX 
Then just recently i look at my credit report and it shows as i just took out a new loan in XX/XX/XXXX. I was contacted by them asking for my personal information and i refused to give it to them because they had all my contact information when i originally applied. 
They informed me that they did n't have any of my information because they operate as XXXX XXXX  now. I was told that XXXX XXXX reversed the payment but i was never aware of this and no one ever called or sent me any information regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: MoneyLion Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a loan to pay off at Moneylion I tried to deposit or cash my check and they refused to assist me as I'm XXXX in my hospital bed I asked them to either help me to deposit my State Teachers Retirement check to my account or if they couldn't accept my payment How am I supposed to pay them? 
They refused to help me and I sent a physician statement that I am indeed XXXX I served my country in the XXXX I served as a XXXX  in XXXX XXXX  for 10 years I have a master 's in Education I just hoped that I could be treated as a Citizen of the country I served

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Resurgent Capital Services L.P.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I told them that my wife stole my personal information and used to to take out cards and I didn't know she did it until she passed away and I can't file a police report on a deceased person. I'm homeless with my daughter and can't get an apartment now because my credit score is XXXX and it's not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: FL
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 12. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 13. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 14. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this 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 explanation
Consumer complaint received 2023-12-06
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
SETF DBA OF WOFC is violating 15 USC 1666b. This company is inaccurately reporting late payments on my consumer report on the following dates ; XX/XX/22 and XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The debt collector failed to send communication regarding the debt, introduction of who they are, what the debt is for, and my right to dispute. They just appeared on my credit report without notice. They must abide by the regulations and validate the debt. This has not been done. How did this debt collector, even have access to my credit report without the proper protocols and regulations?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I Spoke To Supervisor XXXX XXXX XXXX She Was Unable To Assist Me She Did Not Answer My Questions I Explained To Her 3 Times That I Had A XXXX And She Was Talking Down To Me Unprofessional And She Did Not Actually Assist Me She Never Provided The Correct Cut Off Date For Deposits Or Transfers When In Fact Per THE Banker At XXXX XXXX XXXX IN All Transactions Posted Before Midnight Would Cover Any Negative Balances. I Made Sure To Cover The Payment Of {$44.00} and It was still Returned On Monday The Entire Time I Talked To Her She Was Arrogant, Rude And Argumentative I Want To Know Why The Banker Advised Me All Deposits And Transfers Made Before XXXX Would Cover Any Negative Balances. Why Are They Not Consistent With What The Information They Provide? According To XXXX After 20 Minutes She Advised The Cut Off Time Was XXXX. Because Of This Information I missed an important ( Medical ) Payment That Was Due And Now I have To pay a {$97.00} Return Fee From That Merchant Because Of Fifth Third Giving Me Incorrect Information I Would Like To File A Formal Compalint Against This Company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
On or around XX/XX/XXXX I requested that XXXX, XXXX and Experian correct the erroneous demographics on my credit report, namely wrong address and names. I received an email that this information had been removed but upon checking, today XX/XX/XXXX, the information still stands uncorrected as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses and names ha e no connection to me and need to be removed according to the FCRA

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