BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-08
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: Their investigation did not fix an error on your report

Complaint:
I contacted Experian when I noticed a discrepancy in my mortgage balance with XXXX XXXX. They are showing a {$150000.00} balance when, per the XXXX 's website, the current balance is close XXXX. I filed a dispute online with Experian. I provided screenshots of both XXXX 's webpage and even Experian 's ( expanded details on my XXXX 's account showing payments each month and that the running balance of the mortgage was also XXXX, just like shown by XXXX. ) I asked them to correct the amount, That was XX/XX/XXXX. 
Today - XX/XX/XXXX, I get an email stating the dispute has been " resolved '' and that the amount has been updated... STILL SHOWING AN ELEVATED BALANCE OF XXXX. They did NOTHING. 

Please note that ONLY Experian has this error. I checked with XXXX and with XXXX- THEY have the correct mortgage balance at about 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 2023-08-31
Company: Experian Information Solutions Inc.
State: TX
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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX EXPERIAN XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. 
I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal.XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2019-05-30
Company: Radius Global Solutions LLC
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:
There are two items from this company on my credit report that are in accurate. I have never been nor done business with radius global solution or the alleged XXXX XXXX XXXX. I sent a validation request and received nothing in return. 

This was not me nor do i have knowledge of the alleged debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Experian Information Solutions Inc.
State: TX
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: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX XXXX is refusing to grant me a forbearance on my student loan, because TRANSUNION has a block/lock on my credit file. 

I have tried for over a month to have this removed and/or corrected, but each time I call TRANSUNION, I am told there is no block/lock on my credit file, only to call XXXX XXXX back and be told there is!

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 2022-11-14
Company: Experian Information Solutions Inc.
State: FL
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 XXXX  accounts listed below has violated my civil rights : XXXX XXXX XXXX XXXX : {$100.00} Opened : XXXX XXXX 15 U.S.C 1681section 602 A. States that I have the right to privacy.

15 U.S.C 1681section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my 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 explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: MA
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:
Someone opened two credit cards fraudulently under my name with XXXX XXXX. 

I called XXXX XXXX and opened a fraud case. XXXX XXXX cancelled these two cards.

On my credit report, I noticed I had 9 recent inquiries that are fraudulent, relating to this incident : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-04-16
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I have lese a car in XX/XX/XXXX from American Honda finance corporation.in XX/XX/XXXX I have surrendered back the car to the dealership because I was behind on a payment and they keep calling my job and my co worker and manager keep knowing that I was behind on my payment.i felt badly but most of my co workers understand because we work at a car dealership and sometime it gets slow.The boss get me a little XXXX  car and I pay him montly for that one. In XX/XX/XXXX I have been contacted by XXXX XXXX XXXX XXXX   and they told me that they have my account at their collection dept.and they told me how much it was and they asked me if I wanted to set up a payment it could be any amount, i would have to pay {$7.00} plus that amount to the account.I make arrangements to pay $ XXXX month to my account, so all together I pay {$57.00} every month until I get a letter from American Honda finance stated that they no longer work with XXXX so I must pay them that {$50.00} every month.I stated to pay American Honda finance since XX/XX/XXXX, first they sell my account to some place I can't remember, they call me I have your account I said what account, they told me American Honda finance sell them my account I told him I pay my bill.i call American Honda finance and told them I was going to complain to you guys and they keep the account and I still pay them.my big problem is I have been always getting letter that I haven't pay them, I call them all the time I got those letters and they told me that they are going to update their system and I don't have to worry but XX/XX/XXXX they reported incorrectly to the credit bureau taking 40 points from my credit and I trying to buy a house.i call them and they said they are going to send to XXXX  I call them dispute it.today I see my XXXX report miss pay so I call American Honda finance the lady told me I have money for her from XX/XX/XXXX. what can I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. 

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 

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 2019-07-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a new One Deposit Checking account with Citizens Bank  on XX/XX/2019. The online signup page states that I will be receiving a {$600.00} bonus with a single employer direct deposit of {$2000.00} and the bonus will be posted by XX/XX/XXXX. I completed the requirements on XX/XX/XXXX. The bonus has not been posted as of today. I have made repeated attempts to contact the bank via secure message but my inquiries remain unanswered. I have also included screenshots of the offer page and the bonus posting schedule below.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Bank of America has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2023-08-31
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I randomly received a notice in the mail from XXXX of a bill for {$780.00}, it stated the bill was for a new phone plan and a XXXX smart watch. It also stated this was paid for using my checking or routing number or online. 

I called XXXX directly and spoke with a customer service agent. They had no records of any balance I owed them. I asked them several times just to be sure. 

I didnt think anymore of it than just a mistake since XXXX  could not help me or had any information of this. 

They charged my bank for {$780.00} out of nowhere and I had to dispute it with my bank! 

I check my credit score regularly and thats when I noticed this same XXXX account balance for {$780.00} was placed on my credit score as collections. 

I disputed it immediately on XXXX XXXX and it was removed from my credit report. Now it is has happened again and I believe this has to be someone using my information or some kind of fraud. I really need help with this situation I do not know what else I can do about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
date : XXXX amount : XXXX XXXX XXXX I put the money into the atm machine of Bank of America XXXX which ATM ID is XXXX, but it was jammed on the machine, and then I could not pull out that jammed money, and then machine was closed, so I could not do anything, so I reported this to the bank and then they said they would investigate this and would let me know. 
But after a month, they are saying they check the XXXX and they were seeing I put some money in, but they do not know how much it is and then they can not check the money amount, so they do not want to pay back to me. 
I do not know what I should do next. Please give us some advice.

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 monetary relief
Consumer complaint received 2019-04-19
Company: EQUIFAX, 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 have two accounts on my credit report that should not be on there, I am been working on these two accounts for months and Equifax has not investigated them or send me any information on these two accounts that they are reporting. Neither of these accounts even include the name of the third party creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i have been harassed by phone and by mail, in which it is mail fraud, they have harmed me and my character financially for several years, this 3rd party debt collector ( PORFOLIO RECOVERY SERVICES ) falsely claims i owe them money b/c they bought several chargeoff accounts, which in fact were paid in full by the previous creditors insurance! they paid pennies on the dollar for these ( XXXX ) paid in full/chargeoff accounts and intends to fraudulently extort money from me, in which i have no contract with them or have never even had any dealings with them ai all!! contractually, one must borrow from that individual a certain amount o money in order to owe tem that amount of money, FACTS!! this company has always operated unprofessionally for a long time, many lawsuits have been filed against them for fraudulent behavior pertaining to their practices within the debt collection industry. i have been held back rom buying a home, getting other credit opportunites, credit offers and my reputation being tarnished only b/c they have constantly been reporting negatively and adversely on my consumer/credit report.i need them to stop harassing me by phone and by mail, i have sent them responses to their false claims and all they do is sell the same assumed debt to another one of their subsidiaries to start the fraud ball rolling again, i want them stopped, i want my credit report to be rid of XXXX XXXX!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
Company: U.S. BANCORP
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2022, called US Bank inquire about promotional ExtendPay. The person I had talked could not give specifics on the terms and conditions on the said promotion. For example, for the minimum purchase of {$100.00} how may months is my option to ExtendPay or if I purchase an item, say, {$1200.00} ; what the available options for the extended pay. It the number of months will only be available upon purchase not before any transactions. Also, the US Bank associate said there is no fee but the website tells differently ; Split eligible U.S. Bank credit card purchases into budget-friendly payments with no interest - just a fixed monthly fee. Word monthly fee is not very clear.

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 2019-07-08
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Law offices of Mitchell D Blum and associates on behalf of XXXX XXXX XXXX  of Ga. Ive been contacted by this and other companies regarding the same account. Ive denied these charges for many years. Ive successfully disputed it off my credit report and now its back under a new collection company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-15
Company: Experian Information Solutions Inc.
State: NY
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 submitting this complaint about experian credit reporting agency. I have been disputing an account " XXXX XXXX XXXX '' that is reporting on my experian credit report for months now. To reach a live rep at experian was extremely difficult and I am unable to file another dispute online as the system will now allow me. This account has fraudulant charges on it from a few years ago. I disputed it with all 3 credit reporting agency 's XXXX did there investigation and it was deemed that the charges were fraudulant so the account was removed off my XXXX credit report however experian is still reporting it. Having this information report is affecting my credit score in a negative way. I do not owe this money as the card was stolen and fraudulant charges were made on it. I am consistentaly disputing this account. My biggest question is if XXXX received verification to delete it off my report why isn't experian receving the same response? I do not no what is reporting on XXXX as I haven't been able to view a current report from them either. I requested an updated XXXX report but never receveid one.

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 2022-10-12
Company: FC HoldCo LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX ( Finance ) - XX/XX/2021 I did not authorize this hard inquiry that is on my credit report.

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