BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-31
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was a victim of identity theft in 2018 and subsequently froze my credit with the credit reporting companies. I am now in the midst of refinancing my mortgage and have unfrozen my credit reporting with XXXX and XXXX successfully. However, I have been unable to with Experian. Specifically, when I seek to provide my identification ( SSN and zip ) the email address and phone numbers to confirm actions are not mine. I am concerned that they are associated with those who have attempted fraud using my identity in the past or, at best, Experian just has bad information associated with my account. Either way, I have found it impossible to address with the company to correct and, ultimately, safely unfreeze my credit. Experians customer service is completely automated, with no ability to reach a human being to assist. I have spent hours trying to fix this problem to no avail.

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 2017-06-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I receive many offers for credit cards & other financial products & services from Experian via the internet. my site is  XXXX  XXXX  XXXX . I am the only person with access to my accounts or online banking, other. I respond with an application. I am always denied credit. I have excellent credit, I have existing credit cards. I am a theft victim at my primary bank,   XXXX   XXXX   XXXX  , the theft was acknowledged, it occurred from  XXXX 16- XXXX 16. I was in a facility at the time. there was theft at the teller window of my bank. this has been notorised and submitted by a judicial of the   XXXX   circuit court   XXXX   XXXX   florida  usa. t he presiding judicial is h. judge   XXXX   XXXX   the attorney is  XXXX   XXXX ,   XXXX   XXXX  ., he can confirm I have excellent credit. I am a long term victim of credit card theft & credit denial, & other financial criminal acts & hate crimes.

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 2023-05-24
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 term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This letter is written regarding several issues impacting my banking experience with Citizens Bank XXXX ID # XXXX. The headquarters for this establishment is XXXX XXXX XXXX XXXX XXXX XXXX. 

My husband and I have a joint account with this bank, and have maintained this account since XXXX. We have observed on several occasions an issue regarding our funds not being accurately represented in our available balance, thus creating reoccurring overdrafts. When making purchases over {$50.00}, my husband and I regularly check our bank balance to insure we have the fund necessary to cover our purchase. In the event that we do not have the funds, we always transfer money from our savings account to ensure the charges are covered. We have experienced on multiple occasions our available balance not being accurate, and within a day or so, the account will be over-drafted. 

Most recently, for example, our account was overdrawn XXXX. However, on Sunday, XX/XX/XXXX, we had a positive balance of ~ {$62.00}, and I transferred another {$80.00} to cover my XXXX purchase of {$110.00}. According to my mobile banking information, despite having a positive balance of {$62.00} and transferring and additional {$80.00}, my account balance today is showing my XXXX purchase over drafted my account to XXXX. Then subsequent charges followed further overdrafting the account. 

As I understand my banking agreement, when I do not have the funds available in my account to cover a purchase, my card should decline. However, my card did not decline at XXXX, nor the gas station, nor any other establishment I visited that day. 

This has been a habitual issue with our experience at Citizens Bank. We are constantly penalized with overdraft fees despite our available balance showing a positive ledger. We believe Citizens Bank to misrepresent our funds due to these issues. My husband and I both receive direct deposits to this account from our employers. On XX/XX/XXXX, I was paid {$950.00}, however due to the misrepresentation of our available funds, once my check was credited to my account, the funds were reduced to {$790.00}. That is a difference of {$160.00} that is unaccounted for. My account was not overdrawn prior to my direct deposit, and we had a positive available balance showing in our mobile banking application. 

In addition to our funds being misrepresented, we constantly have issues with accessibility our account information after XXXX XXXX XXXX. There have been several times where my husband or myself have not been able to log into our checking account to verify the funds in our account. This is incredibly inconvenient despite have the latest software and XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-12
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-08
Company: EQUIFAX, INC.
State: UT
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX. 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. These accounts are very old and should be deleted from my credit. Credit bureau will not allow me to dispute this on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: MOHELA
State: MD
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 completed my PSLF form via Studentaid.gov. I selected my employers using the EIN number. One of which is a DC Government agency!! Mohela is questioning the employer even though the form was submitted and is in the federal database. 

Should they be doing that? It makes sense to question employers that are not listed in the database ( e.g. small non-profits, etc. ) but for government agencies ( especially in DC ), seems really crazy. 

It seems that they may be complicating the process further which is unnecessary, especially when the process is already complicated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-18
Company: Convergent Resources, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I got just  XXXX  cell phone line through  XXXX  on  XXXX   XXXX ,  2016 . The agreed monthly payment was {$50.00}. I paid {$53.00} at the time when I got the phone. Before the end of  XXXX , I received the first bill for over {$100.00}. I sent the agreed on {$50.00}, and inquired what the additional amount was for. They did not reply, but sent the next bill for over {$100.00}. Again I sent and asked why they were charging me those extra money, but they never replied. Again I sent another {$50.00}, and this went on for weeks with no reply from them. I sent in the {$50.00} payment for  XXXX , but they cut the phone off on the  XXXX  of  XXXX  and kept raising the bill, until now they are sending me bill for over {$500.00} and even sent the bill to a collection agency so they can collect the over {$500.00}. Not sure what to do at this time, because I am a senior and they are only trying to rob me!   Also  XXXX   XXXX  sent out advertisement for TV in my area. I have them come out and did the installment after they informed me that the service will ha ve 20 channels including those in my area. The technician who did the work assured us that all my channels are  somewhere there, but when we searched, they gave me a lot of channels that were not in this area. They refused to come back and take their equipment, but just sending me bills for hundreds of dollars. I informed them from I discovered that they cheated me, although I paid them  about three months, and sent in a complaint for them to give me my local channels, or take their equipment ; the onl y reply from them is the high bills. Please do what you can to assist me at this time. Thank you so much

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 2022-01-31
Company: EQUIFAX, INC.
State: NY
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:
The following Equifax, XXXX, XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below. Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The credit reporting agency has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is an attempt to correct my XXXX, XXXX, and TRANSUNION credit report ( s ). I have identified fraudulent accounts. Please block/ remove all of the accounts listed below : XXXX XXXX XXXX : XXXX - Opened XX/XX/XXXX XXXX XXXX : XXXX - Opened XX/XX/XXXX XXXX XXXX : XXXX - Opened XX/XX/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 2023-10-24
Company: Mr. Cooper Group Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023, Mr. Cooper notified me that they would no longer service my loan as of XX/XX/2023. Please see attached document. The new servicer of my loan became XXXX XXXX as of XX/XX/2023. I sold the property on XX/XX/2023. I no longer own the property, but both Mr. Cooper and XXXX XXXX have failed to properly update the credit agencies that a mortgage no longer exists on the property. My credit reports are all showing mortgages for a property that I no longer own. I have filed disputes with the credit agencies, but my credit reports are still not being updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
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: Account status incorrect

Complaint:
I have been in contact with Transunion and XXXX about a paid account that is still reporting as open I have sent letters to both companies to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The following XXXX, XXXX, TransUnion credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below. Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The credit reporting agency has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

( XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
CAPITAL ONE is reporting on my personal credit file. I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account. 

( CAPITAL ONE XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: NY
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2022-08-14
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:
My name is XXXX XXXX XXXX I am filing this complaint due to numerous things I found own my credit report that were passed the statute of limitations that negative accounts are allowed to stay on credit report, and accounts within accurate information being reported on my credit report that is harming my scores are just not accurate. 

I am requesting these accounts and hard inquiries be removed immediately. I did further research to see how these accounts was reported on my credit report without me opening these accounts. Based off Fair Credit Act all credit bureaus must be accurate with reporting to all 3 bureaus. In Accordance Fair Credit Act these companies listed has violated my rights. 15 U.S.C. 1581 Section 602 A states I have a right to privacy. 
15 U.S.C 1681 604 A Section states. It also states that a Consumer Agency can not furnish an account without my written consent. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXXXXXX XXXX  XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX. These accounts are passed the statute of limitations which is 7 years a negative account can stay on your credit report based off Fair Credit Act. All of these accounts listed above are well passed the statute of limitation dates. Therefore, these accounts should have already been removed from all three-credit bureaus XXXX, Experian, and XXXX. 

These accounts are report in accuracies on all three credit bureaus. I never opened an account with these companies, never signed an agreement to open an account with any of these accounts. XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX I XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX These inquiries were not authorized to appear on my credit report, I did not apply, nor did I sign any documentation for any credit with these companies listed below XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a clear copy of my credit report. You will see all of the in accuracies highlighted in green on my credit report. You will see that they're not reporting with accuracy on all three credit bureaus. I have also attached my XXXX License, and clear copy of my social security card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05
Company: EQUIFAX, 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:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is 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 this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

Company response to consumer: Closed with explanation