BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-06
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:
There are Alot Of Fraudulent accounts on my credit Reports Listed Below XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # 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 2021-02-18
Company: CITIBANK, N.A.
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I opened a new checking/savings account with Citi Bank. I made an initial deposit to the account on that date and set up direct deposit through my employer who started making deposits every Friday. I then received my stimulus check and deposited it to my account on XX/XX/2021. On XX/XX/2021 I attempted to pay for my medication that I am required to take daily to keep me alive and my debit card was declined. I called Citi Bank and was advised there was a fraud concern on the account and that it was being reviewed by a " back-office team '' that can not be reached via phone and I would just have to wait 24-48 business hours for a response. It is now XX/XX/2021 and they still have not communicated with me, gave me access to my funds which total {$670.00} and keep giving me a different answer everytime I call. I have been calling 2 or more times a day trying to get access to my money and keep being told to call back in 24-48 hours. I have not been able to eat, or get my medication in 8 days and can not get any help from the bank or answers. They did not notify me my account was being blocked and just locked the account, will not tell me why it was locked, or are willing to help find a solution. I have taken it to social media to which their online team said " I am sorry we can not help you just keep waiting ''. They have also locked me out of my online access so I am not able to even see if my money is still in my 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 2021-07-22
Company: M. G. Credit, Inc.
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:
Advised company via several letters that this debt is not mines and requested verification that the debt belongs to me. Have not received any correspondence and account still reflects negatively on my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
There are two bankruptcy that are being reported on all three of my credit reports. This is an invasion of privacy pursuant to 15 USC 1681 ( a ) ( 4 ). The court gave the information to a 3rd party or XXXX took the information and sold it to the consumer reporting agencies.

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 2021-02-18
Company: Experian Information Solutions Inc.
State: OH
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:
On XX/XX/21 the balance was paid in full for {$9800.00}. The finance company refuses to update my payment in full and the account I showing as open when it should be closed and paid in full. Why is that if I miss a payment, these companies will report. But as soon as you pay your balance off in full, they fail to report it on time. And this is causing my DTI to seem high when its not if they would just update the account status.

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 2022-09-01
Company: Collection Bureau of the Hudson Valley, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was billed {$340.00} for a XXXXt instead of my insurance despite the lab having my XXXX information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-01
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 a medical collection bill on my Equifax credit report from some company called XXXX. I have never heard of this company. I don't know what this bill is and I am sure it is not mine. The Company has no information on it's address or phone number. This needs to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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 2021-02-18
Company: OneMain Finance Corporation
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: Credit inquiries on your report that you don't recognize

Complaint:
There was a hard inquiry in XX/XX/2021 by One main Financial. It is due to my identity being stolen. I have called this institution, but can't get anyone to talk to. I am currently filing a police report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
My student loans were reported 90 days delinquent back in XX/XX/XXXX, so in XX/XX/XXXX I called because it was still on my credit report and was told that it would not be removed until it was a zero balance. It was going to report delinquent indefinitely. I had never heard of an account being able to report indefinitely but I transferred & consolidated my loans in XXXX of XXXX to another lender which put my balance at zero with XXXX. When I called because it still appeared on my report, I was told that it would report for 10 years. Well XXXX of XXXX came and that made it 10 years it had be reporting on my credit. Spoke with XXXX at XXXX in XXXX of XXXX and was told that it should have been removed and she would sent it over to the department that handles credit reports to have it removed. I was told to check back in XX/XX/XXXX and it should be corrected. As of today, XX/XX/XXXX XXXX still appears on my credit report showing delinquent from 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 2019-11-20
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I received a letter from Sychrony Bank stating my credit card application was denied as they were unable to verify my identity. I called the company XX/XX/19 I told them I didn't apply for any credit card on XX/XX/19 of the application. I exchanged details with them and personal information and discovered that someone used my name, social, address, phone number but a different email address to apply for a Paypal Credit Card. 
The filled out a complaint report and were sending it to all three credit bureaus. I then put a freeze on my credit reports. They also said it would take about 30-60 days to have this inquiry removed off of 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 non-monetary relief
Consumer complaint received 2023-08-05
Company: EQUIFAX, INC.
State: MI
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$38000.00} XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX XXXX Balance {$700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
Lexisnexis reports to Rental agency I have a eviction and judgment on my record from XXXX that kept me from getting and apartment. I have sent them documentation twice that I wasn't evicted and the judgement was vacated by the judge as the landlord owed me money. Lexisnexus provided a report they clearly didn't read through and it hurt me finacial and emotionally in the long run. They are know to have inaccurate information and nothing is being done to monitor to make sure they are doing their due diligence. I need this matter cleared to be able to move.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 {$18000.00} Date Opened XX/XX/XXXX, XXXX This account is over 7 years old and should be removed from my credit. 

XXXX XXXX {$25000.00} Date Opened XX/XX/XXXX, XXXX This account was opened fraudulently and i have also spoken with the company and they agreed tp remove it. Its also almost 7 years old. 

XXXX XXXX XXXX {$26000.00} Date Opened XX/XX/2016 This account was not opend in XX/XX/2016. These dates are completely incorrect and this debt was settled.

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 2023-02-09
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: Account status incorrect

Complaint:
My name is XXXX XXXX and I am a natural man submitting this complaint on my behalf and without any third-party involvement. This is a request for a correction of the inaccurate, erroneous, and unverified information on my consumer report. Please conduct a reasonable investigation and take appropriate action and promptly correct the information in accordance with FCRA section 611-15 USC 1681i ( a ) ( 1 ) ( A ) ) upon receipt of the attached dispute to prevent further invasion of my privacy and damage to my consumer credit reputation. Attached is a copy of the dispute submitted to Experian, 2 forms of identification ( Driver 's License, Electric bill for proof of address ).

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 2021-10-21
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: Investigation took more than 30 days

Complaint:
I had a vehicle loan with XXXX XXXX, We reached a settlement and they told me once debt was satisfied they would delete from all 3 credit reporting agencies. I paid debt off and it's still showing up on my credit reports.

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 2023-08-05
Company: EQUIFAX, INC.
State: AR
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 am sending my CFPB complaint to inform you that the Credit Bureaus should resolve this issue. The current status should not be showing late because I paid it on time.The Credit Reporting Agency lacks proper record keeping. The accounts are open and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct these immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Kindly provide me a documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise remove these accounts immediately : XXXX XXXX Balance Owed : {$150000.00} ; XXXX XXXX Balance Owed : {$13000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Opened new Citi bank account in XX/XX/XXXX and do the following to get XXXX miles. 
Spend the required minimum amount on qualifying purchases using your Citibank XXXX or ATM XXXX. Qualifying purchases must post to the new Eligible Checking Account within 60 days of account opening. * Perform 1 or more qualifying bill payments for 2 consecutive calendar months within 60 days from account opening. Qualifying Bill Payments must post to the new Eligible Checking Account each month for two consecutive calendar months. * Citi Priority account spend {$750.00} I contacted them via Citi bank chat XX/XX/XXXX and they said I had to wait till XXXX for everything to post. I called in XXXX and they gave me the same run around. 

XXXX XXXX called them and they looked through account and said they would open a dispute and would hear from someone within the week. 
XXXX ref # creating a dispute- should have had the miles by XXXX, XXXX. 

By XX/XX/XXXX still no response called again. 

They claim I didn't spend the required amount within the 60 days. They said the cut off date was XX/XX/XXXX and my purchase was XX/XX/XXXX and they are not honoring it because I was short {$8.00}. In addition it took me multiple weeks to even get my debit card and even more time to get it activated when I first got it so I couldn't even start making purchases till mid XXXX. The welcome email was not even sent to me till XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: Westlake Services, LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
THIS IS ANOTHER COMPLAINT BECAUSE MY LAST COMPLAINT XXXX DID NOT GET RESOLVED. They still did not send my refund check BUT I received a letter in the mail of a copy of my response so I know they have the correct address and just never sent the refund check. In the month of XX/XX/XXXX, I paid my monthly loan bill of $XXXX on XX/XX/XXXX, and they also took out the $XXXX again onXX/XX/XXXX. I wasn’t planning on paying my bill twice that month and it made my checking account negative and I was charged that $XXXX  overdraft fee as well. I called them and asked them to refund me one of my payments. They said they could only do it via check in the mail and that it would take up to two weeks. I said ok and waited for it to come in. After 3 weeks, nothing came in and I called them again. They said they would send it again. This went on for 2 months. By then I saw it come off my account so I thought this time they actually refunded it back to me and still got nothing. I called them and they said it could go back to my account (when all the other times no one told me this). I thought great and waited for that. Nothing came in and I called a week later and they said they couldn’t even do that and that they would send it again. I tried having them send it to another address as well and it is now the end of November and I still have not received my refund AND it’s not on my account anymore. The last time I asked for it I asked for a tracking number and they said there isn’t one available I just have to hope for the best and wait. They told me they added notes to the account as well. I asked for a copy of the notes emailed to me and they said they couldn’t do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance {$67000.00} ; XXXX XXXX XXXX XXXX Balance {$28000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$66000.00} ; XXXX XXXX XXXX Balance : {$330.00} ; XXXX XXXX XXXX Balance : {$28000.00}.

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 2021-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was alerted through my XXXX account on XX/XX/21 of a {$3000.00} ACH Transfer that occurred via my Bank of America Credit Card on XX/XX/21. I contacted Bank of America 's fraud services on XX/XX/21 to understand what the charge was and to dispute it. the woman I spoke with was unsure what the charge was, but said she would open a fraud investigation and someone would call me back in 48-72 hours. When I did not hear back from Bank of America, I called them again on XX/XX/21 to find out what the status was. After being transferred to several departments, I spoke to a gentleman that told me someone impersonating me had called Bank of America and asked for a partial refund that I had made when paying off my monthly credit card statement. When I told him that was not me and that I wanted more details on how that would happen, he said that he did not see an active investigation opened and that he would open one for me. He also asked me why my credit card was not closed and a new one issues when I called on XX/XX/21, but I didn't know the answer to that. He then closed that account, re-issued a card, and told me that someone would be in touch in 1-2 weeks. I called Bank of America again on XX/XX/21 and the woman on the phone told me that she did not have an update, but she would check with her manager on next steps. Once she connected with her Manager, she came back on the line and told me that Bank of America would only follow up with me via mail and I should expect that in 10 business days from the day my inquiry was opened ( which they state was XX/XX/21 even though I originally called on XX/XX/21 ). As of today, XX/XX/21, I still have not received any calls back from Bank of America, I have not received a letter in the mail, nor has the money been credited back to my account. I would like this resolved Immediately as this has been dragged on for too long and Bank of America doesn't show any compassion with my case.

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