BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX 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 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  Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; Bankruptcy XXXX XXXX Date Filed XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$340.00} ; XXXX 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 non-monetary relief
Consumer complaint received 2021-12-02
Company: EQUIFAX, INC.
State: NC
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:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: SYNCHRONY FINANCIAL
State: SC
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 and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2022-05-04
Company: EQUIFAX, INC.
State: IL
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX XXXXEquifax was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i , which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX Owed : {$0.00} ; CXXXX  XXXX XXXX Balance Owed : {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my six endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud.Pursuant to Section 605B of Fair Credit Reporting Act these unknown items must be deleted : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy XXXX # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: SYNCHRONY FINANCIAL
State: MI
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 Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2020-02-24
Company: TMX Finance LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
On it around XX/XX/XXXX I was contacted by title max XXXX XXXX ( XXXX ) XXXX XXXX and XXXX  XXXX AZ he asked if I was interested in a better title loan with more affordable payments interest and a little more money. 
I had several times refused but went and seen him at his place of work title max he talked fast I told him I was on limited very limited income. XXXX due to my need he quoted me a amount that my vehicle wasnt even in the blue book for and I took a loan for more than I could possibly afford. I told him days later if my loan wasnt to start until XX/XX/XXXX then why was I being charge interest on this loan he was then calling me a complainer and became very rude I contacted XXXX XXXX XXXX to do a buy out to try and find a way to pay this mo eat back this due to this put me into a hardship that was abusive loan and shouldnt have ever happened by this or any company I did the buy out from another company but truly believe title max and Mr. XXXX should be liable for this loan do to abusing what I couldnt even afford and he new he was conning me I need help first of getting my interest back I paid for having the loan a week and also for having to pay off the current buy out and pay this loan for abusing power and I believe this has to be illegal to do I make such a small amount he set me up to fail

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Last XXXX, I signed up for a credit card auto-pay at Bank of America. 
The auto-pay was to pay my credit card from my bank account. 

Last XXXX, I found out that my credit card was not being paid. 
I called customer service and they did not know of any auto-payment. 

I went to my local BoA to address the matter. 
The woman who helped me called customer service and came back and told me that they are investigating the matter. And in 2 weeks, that I would get a phone call w/ an explanation. 

2 weeks later, no phone call. No explanation. 

I called the branch and they did not know of any investigation or why I was told their was one. The woman who, told me their was one, did not work at that branch, she was just working at that location on that day. 

They gave me a number. I called. It was another customer service line. And they did not know about the auto pay or the investigation. 

I called the branch again, and they scheduled an appointment with me. 
The branch manager apologized and deducted that the auto-pay form did not go through the proper channels- and was lost and/or discarded. 

When she called the head offices and explain the matter, they put me on the phone with a rep. The rep said I was about to go to collections but they stopped it, and took approx XXXX dollars from my account and put it towards my card. 

The branch manager apologized again. And I left. 

What I did not know-at the time was that tmy credit card was shut off ( its a Bank of America card ) and that my credit scored suffered greatly because of their mishap. 

If possible, I would like this matter investigated and have my credit score reassess.

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 2020-09-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Account Info Account Name XXXX XXXX XXXX Account Number XXXX This is on my credit report twice and it has been reported from a debit company that bought the debit. So it is on my XXXX report 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 non-monetary relief
Consumer complaint received 2023-07-30
Company: MOHELA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have had federal student loans since XXXX at XXXX for my XXXX and XXXX XXXX in nonprofit management. I have worked in XXXX  my entire career with a short period in default but otherwise have paid well over XXXX and over XXXX payment. Somehow I still owe XXXX. I have requested an entire print out of my payments including balance and interest rate along the way. The current servicer Mohela claimed they could only provide back to XXXX and to contact studentaid.gov. They said prior to that servicers have either gone out of business or information not accessible. Mind you the federal government has changed servicers at least 5 times over the duration of my loans. I spoke to studentaid/federal government to request a full report of the money I PAID the federal government and they said it isnt accessible because companies out of business. I then submitted a complaint with them requesting once again my full report. They closed my complaint without resolution. I spoke with them again the other day asking what the resolution was and the person on the phone was confused why there werent any notes and it was closed. This is corrupt. How do I owe XXXX after paying 20 years on a XXXX federal student loan? Why cant the federal government provide me the full history of my payments and interest rate? What other entity provides a loan yet doesnt have accountability for payments and interest rates? How do I know if there was any corruption or false calculation along the way because as of now there is absolutely no explanation as to why I still have XXXX on a 20 year federal student loan that started at XXXX. Furthermore for public service degrees!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: Lending Club Corp
State: AK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
Lending Club locked me out of my account since I cancelled the loan. They gave me until XX/XX/2020 to pay back the loan, and then they locked me out of my account. I'm facing fees from my creditors to give them their money back. I cancelled the loan because they misrepresented the terms. And I cancelled before any of my creditors were paid. They approved a loan for {$20000.00} at 16 % APR on a 3 year loan. What I got was {$19000.00} at over 22 % APR. My account even said " {$20000.00} at 16 % APR. It was a total lie, " no hidden fees '' that was a total lie. I already filed a complaint about this and since then, I've been locked out of my account. They emailed me a notice that I had to pay back the {$19000.00} by XX/XX/2020. Then they emailed me a notice that they were going to take automatic payments out starting XX/XX/2020 for {$660.00}. When I call, they leave me on hold. Doing business with these XXXX was a big mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
called equifax 3 times to LIFT a fraud alert, was lied to and given confirmation numbers, assured my mortgage company and I would be able to pull my credit, equifax website shows where freeze was lifted but my mortgage company was still not allowed to pull cause of the active ALERT still showing on their end. incorrect addresses they reuse to update are hindering me from obtaining a place to live during the pandemic and may become homeless due to some MINOR mistakes that are keeping my credit LOCKED against my will.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
Bank of America reported transactions on my credit card statement which I did not make or authorize. 
I filed fraud claim with Bank of America. 
I also filed fraud claim with police in my city. 
According to Bank of America card was used in the transactions. 
All transactions occurred in the city 50 miles from me. 
Bank of America did 3 investigations and declined fraud claim 3 times.

Neither Bank of America, nor police or merchants reveal any information, never told me that they pulled video. Police never called me back - I made 3 attempts to talk to them, ask them to pull videos, etc.

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 2022-08-10
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
PenFed ( Pentagon Federal Credit Union ) Did not depict a clear answer in the last request that I sent. PenFed did not provide a resolution, instead clearly ignoring the solution. They did not provide a response to the banking error that was caused by PENFED. That they confirmed was a banking error and later charged to me the consumer. PenFed did not try to rectify the situation instead PenFed stated I need to immediately " Call them '' To pay the balance of the share they charged off due to the banking error. PenFed Closed my Line of credit after the banking error occurred. I originally tried to transfer from my Line of Credit, thinking that I transferred from that and that's where the fund transfers came from. I transferred the money to my external bank account. However Penfed later 2 month 's later deducted those funds advising me in the email attached that this was a banking error and that I now need to pay for their mistake. That I chose to withdrawal the funds before they could correct their system error. PenFed caused a loss to my savings account of {$230.00} PenFed Closed the Line of Credit and Credit card AFTER they charged off the savings account. I did not receive a call from PenFed and in their last response the manager states that I closed the Line of Credit. This is FALSE. I did close the credit card, but I did not close the line of credit. Their DCC Loss department CLOSED THE LINE OF CREDIT, because they stated I caused PenFED A LOSS WITH THE BANKING ERROR. I do not feel this has been rectified and I feel PenFed is simply copying the statement 's I attached in the previous message and reattaching them. A Consumer that is a victim of a banking error should not be held responsible for a banking error. PenFed admitted that it was caused by a Banking error, but PenFed is attempting to Hold me responsible for their error. I do not accept responsibility for something I was not aware of. PenFed continues to state the Share was charged off because of this banking error. I believe PenFed should be held responsible and rectify the situation instead of throwing blame on a consumer. I did not accidentally transfer funds, PenFed did. Yes I transferred the funds out only after contacting member service to make sure that these were from my Line of Credit and they confirmed. This later became false XXXX month 's later but I was not notified again. I am a member and I do not feel like I am at fault here. PenFed is not doing anything to research the error, and I feel like this is consumer abuse. I am requesting further information and additional research as stated previously see attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: OK
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 XXXX  Account # 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

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 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I have some inquiries on my report that done belong to me.

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