BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Experian has been a nightmare experience I wish people, in general, did not have to deal with them at all. The first issue is the " credit boost '' feature. At first, it does work as advertised but after a while it stops working, they made it difficult to update or add bills to the boost feature that hardly ever worked. If you don't update your bills in a timely manner you have to start all over again, I tried to reach customer service numerous times and they were no help they didn't listen to the issues that were stated and or I would receive automated replies that had nothing to do with trying to add utility bills to boost my credit score. The other issue with the boost feature and what they don't tell you is, in the long run, it negatively harms your credit, once you put in your information everything is opened up and falsely indicated that I was late on my bills when I was current. I found this out when I spoke to a Banking lender trying to get a house loan and Experian XXXX XXXX XXXX' as she mentioned is not a legit nor a good way to boost your credit it may temporarily boost it but it does more harm than good. I stopped using XXXX  months ago last year ( 2020 XXXX and Experian is just now removing all the accounts that I added although I haven't used XXXXt in well over a year. I highly recommend not get the XXXX feature it is misleading. 

And finally, my overall experience with Experian is what I like to call bait and switch Experian is the only credit bureau that drops my credit score by XXXX points, then adds XXXX points all in the same day. I keep my credit cards below 10 % utilization, I only have one loan on file that is almost paid off and has been paid off on time for the past four years. It's an XXXX loan. I understand that if I don't pay my credit cards down or use them to the XXXX that impacts my score. The issue is Experian consistently manipulates my credit scores without cause. What doesn't make sense is that if you make your payments on time, and do everything you're supposed to but your credit score could be dropped at any time for no reason is not right. Experian keeps dropping my scores without good reason and it's hurting my chances of getting a house loan and I'm tired of being under the mercy of credit Bureaus that are able to manipulate your scores at any given time and they need to be investigated. I can offer to allow access to my Experian account if need 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 2023-09-27
Company: Experian Information Solutions Inc.
State: DC
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 2023-07-17
Company: EQUIFAX, 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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-31
Company: EQUIFAX, INC.
State: PA
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:
This company claims that they updated XXXX  to reflect that a {$30.00} payment was made for XXXX. However, they failed to update XXXX and Equifax to reflect these payments. Both bureaus still show a {$30.00} balance which was paid. I am attaching the confirmation email when the payment was submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: EQUIFAX, INC.
State: PA
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 submitted disputes and an FTC report for fraudulent accounts and hard inquiries. 

XXXX  - XXXX  {$1600.00} XXXX XXXX XXXX XXXX {$710.00} XXXX XXXX {$7900.00} XXXX XXXX XXXX {$3900.00} XXXX  - XXXX  {$1600.00} XXXX XXXX {$670.00} Equifax - XXXX XXXX {$36.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a savings account with Capital One and it's called a XXXX XXXX XXXX. I have been on the phone with them multiple times in the last week ( XX/XX/XXXX to XX/XX/XXXX )  explaining I was purchasing a house and needed to move my funds around. There was first a delay in transferring funds because I had to confirm my account. I don't understand why this is necessary considering I should be allowed to send money to any account, but I was able to transfer the money today on XX/XX/XXXX. I initiated the transfer of funds and then I received a notice that my funds were withheld and unable to be transferred. I immediately contacted the number I was supposed to contact and they told me they could not help me. I was given another phone number to speak to and I have been on hold for over 40 minutes. I feel like they are withholding my money and making it as difficult as possible to transfer it to another account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was never advised of the transfer of this debt. This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from 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 2023-09-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
1 ) They inaccurately reported information to the credit reporting companies severely damaging my ability to obtain credit for a house, car, and utility payments 2 ) On XX/XX/2023 XXXX XXXX XXXX XXXX Threatened to sue me when it is clearly stated in my card member agreement that all issues should be settled via arbitration I have attached files showing the following : 1 ) Notification of Intention to Incur Court Costs by Filing Suit Letter 2 ) Proof of Adverse Action : Mortgage Denial, Car Loan Denial, Credit Card Denial 3 ) Arbitration Agreement 4 ) Applicable Segment of My Credit Report 5 ) Pre-Arbitration Demand Letter

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 2021-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 submitted disputes and an FTC report for fraudulent accounts and hard inquiries. 

XXXX  - XXXX  {$1600.00} XXXX XXXX XXXX XXXX {$710.00} XXXX XXXX {$7900.00} XXXX XXXX XXXX {$3900.00} Transunion - XXXX  {$1600.00} XXXX XXXX {$670.00} XXXX  - XXXX XXXX {$36.00}

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 explanation
Consumer complaint received 2018-04-23
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/XXXX, I contacted by the Navient office in Indiana to discuss options for repayment. They failed to disclose their intentions that they were collecting on a debt, which is a violation of the mini miranda laws. I explained to the representative that I was not working, currently enrolled in school and unable to make the XXXX payment or a XXXX payment to make the account come current. The representative, XXXX, in the Indiana office began to leave deceptive, harassing and unlawful tactics on my voicemail and failing to disclose the intention of her call. Again, on XX/XX/XXXX, the same representative called and left a voicemail again failing to disclose their intentions on collecting on a debt. On XX/XX/XXXX just four days later the same representative called leaving a voicemail with an intent to be threatening by using deceptive, abusive and harassing tactics to collect the debt. On that same day, XX/XX/XXXX, the representative called two of my family members, even though the representative has a working number, that were not authorized on the account to be contacted. On XX/XX/XXXX, I contacted the Navient office and spoke with a representative that again did not disclose their intentions that they were collecting on a debt, which is a violation of the mini miranda laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: CHECK INTO CASH INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I borrowed XXXX dollars from this company and ahve already pais over 600 dollars but the principal remains fixed. They apply less than 2 dollars to the principal each time they charge me a monthly of over 100 to XXXX currently. They have a XXXX dollar monthly membership fee on top of all this as long as you have a balance. Its impossible to pay unless you pay them another almost full 400 from the beginning. I JUST WANY TO GET OUT OF IT. My account has been overdrawn many times because of them charging they fee, so they cost me 10 times more. I am not sure how to stop them if I can not afford the full payoff

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
while I was away in Florida training from XX/XX/XXXX- XX/XX/XXXX for a XXXX career. When I returned home to start inquiring about buying a home back home in Georgia, I pulled my credit report to check status and notice a few accounts on my file I did not apply for. I called the companies on my credit report and they said that it was accurate. I told them that it was not me I was in Florida and that it had to a mistake. I talked with the loss mitigation department with each company, and each one informed me to file a report of identity theft and submit the required documentation to so that they can initiate an investigation and have my credit report updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Avant Holding Company, Inc.
State: FL
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:
I have two charges on my credit card that do not belong to me. I disputed with the credit card company. Months later they appeared on my credit card again. I never received any calls or correspondence regarding this matter. I don't know what occurred to make the charges reappear because the credit card company never contacted me. When I called to try to dispute the charges again, they tell me I will receive a call back but they never call me back. They do not file a dispute when I call just a promise vto call back. 
The two charges are : XXXX on XX/XX/2023 XXXX XXXX on XX/XX/2023 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: EQUIFAX, INC.
State: OR
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'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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I recently checked my credit report and notice a balance of {$600.00} reported by your company. It was the balance of the car loan minus what GAP insurance should have paid.

I called your company and told them I didn't owe the balance. They said they didn't pay it because they thought I had a dui. The case was thrown out, I was never convicted of this dui. I sent a fax of my court documents to prove this. This account still appears on my credit report. I need this balance payed at once, and it removed from my credit report, or you are civilly liable according to the Fair Debt Collection Practices Act for willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: United Shore Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022, I was approved for 6 months of payment for my mortgage by the Federal Funded program called XXXX XXXX XXXX XXXX XXXX XXXX by the Florida XXXX XXXX XXXX. My payment were issued to the mortgage company beginning XX/XX/2022. I was informed by a XXXX employee that the payment was indeed mailed out on the XXXX of XXXX. I waited until the XXXX of XXXX to see if payment was going to be posted to account but it wasn't. I placed a call to United Wholesale Mortgage on the XXXX and was informed they have not received a payment. I then called back to XXXX and was reassure that payment was sent. I have placed called several times a week with United Wholesale Mortgage regarding my XXXX payment was told, they have no payment for XXXX. I went back and forth with reps from UWM as to verifying wirh XXXX where they sent the payment and it was indeed sent to the righr address. I was then told they have no knowledge of me even having applied for any type of assistance from the program. I then forwarded my award letter from XXXX to XXXX as documentation that I applied and was approved by the program for 6 months of forward payment. My mortgage is now 1 month behind and has now accumulated a late fee. I'm asking for help in getting these payment applied to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions 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:
In XX/XX/2015 there were 2 XXXX XXXX credit cards opened fraudulently in my name. I alerted XXXX XXXX and they removed one of the credit cards for fraud, however they left the other credit card account with a balance of XXXX dollars on my credit report. I have disputed nonstop, weekly and monthly, I have filed XXXX complaints, filed FTC reports and XXXX XXXXXXXX refuses to do the right thing and delete this account stating it is linking me to this account by the address XXXXXXXX XXXX XXXXXXXX XXXX XXXX PA XXXX- I find this interesting as I called each of the 3 credit bureaus and they all told me I am NOT associated with the address XXXXXXXX XXXX XXXXXXXX XXXX and that it has been deleted from all of my files for fraud. I will be attaching the letter XXXX XXXX wrote stating the account is being linked to me by that address so that you can see they are reporting wrongful and inaccurate information to my credit file. This will be the last time I try to resolve this with XXXX XXXX before I file a lawsuit as this account is causing me issues with financing and living my life because of this being on my 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 non-monetary relief
Consumer complaint received 2023-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America froze my account for no apparent reason. Bank of America said my son had not signed to be listed on my account over XXXX years earlier when I opened the account. As a result checks I had written bounced. This all took place in early 2018. 

I remember calling a fraud number at that time because I was unable to make their compliance department listen to me. The fraud number was XXXX. My account number was XXXX XXXX XXXX. 

I am a retired XXXX XXXX and I feel Bank of America knew exactly what they were doing and thought I would not fight this. I eventually was able to withdraw my money and close the account. I feel as though they were harassing me. 

I have some correspondence from them if you need.

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 2021-05-03
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
The paypal company limited my account for a period of 180 days, from XX/XX/2020, until today I have waited exactly 282 days without recovering my money ( XXXX US ), this has been unfair on their part, they did not give me response in the agreed time, I need your help and understanding to recover my funds and transfer to my bank account or my debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: AL
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:
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. 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 XXXXXXXX, 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. 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 response to consumer: Closed with explanation