BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-21
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: Their investigation did not fix an error on your report

Complaint:
Greeting 's Consumer Financial Protection Bureau, I'm entering this complain against Experian ( Credit Bureau ) I've placed Disputes with disputes with Experian on XXXX All Mailed to Experian XX/XX/2022 ( Completed Online ) Per Experian, I needed to mail along with My Disputes a copy of My drivers License, Social Security Card and proof of address for verify my Identity, I've completed this step several times, I have not received any results or responses to the disputes or verification of the debt belonging 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 explanation
Consumer complaint received 2023-02-26
Company: Experian Information Solutions Inc.
State: CA
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:
Falsely gave permission to the following parties, using forged consent, to create hard iniquities on the following reports : XX/XX/2023 XXXX XXXX XXXXXXXX XXXX Credit Report XX/XX/2023 XXXX XXXX XXXX XXXX Experian Credit Report. 

XX/XX/2023 XXXX XXXX Experian Credit Report. 

XX/XX/2023 Experian credit file locked for security reasons. 

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX Credit Report XXXX XXXX : Organization : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Country XXXX FR Phone : XXXX Fax : XXXX Email : 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 2022-11-28
Company: EQUIFAX, 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:
My name 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 2022-10-13
Company: MoneyLion Inc.
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had what they call a credit builder plus loan. Where a loan was taken out and i paid it back with out access till i paid it off. They reported my payments to credit companys. I paid the balance in full and my account failed to reflect my payment. I tried calling and messaging. I never got a response as to what was wrong. Then i was told an investigation was happening but why or what they were investigating was never disclosed. I was promined by numerouse reps that i would be updated. Never did anyone one email or call. I found out after calling that the money was gon na be realesed with no time frame. Then days later they claim it was denied because they didnt have my routing number. The routing number to themselves! They are the bank to which i have an account with. They same account used to make payments. So i find it hard to believe they didnt have it. And finally almost 2 weeks later i still dont have the money in my account. Mind you i paid it off because i was going to get the total sum. I needed it to make a payment to which is now late and i owe a late fee.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Experian Information Solutions Inc.
State: AZ
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:
LAST WEEK I WAS MADE AWARE OF TWO FRAUDULENT, REVOLVING CREDIT CARD ACCOUNTS BEING REPORTED ON MY CREDIT PROFILE : EXPERIAN, XXXX XXXX XXXX. I CALLED THE AGENCIES THEMSELVES MULTIPLE TIMES RE : THIS MATTER AND WAS ADVISED TO APPROACH THE CREDITOR THEMSELVES : XXXX XXXX XXXX XXXX XXXX XXXX. I FOLLOWED SAID INSTRUCTIONS TO THE TUNE OF MULTIPLE CALLS ALSO. BOTH XXXX  XXXX XXXX XXXX XXXX XXXX  CONFIRMED THAT NEITHER ACCOUNT WAS ASSOCIATED WITH MY NAME OR SSN : THEY ASSURED ME OF THAT MULTIPLE TIMES & SENT OVER DISPUTES FROM THEIR RESPECTIVE OFFICES. I THEN CALLED THE REPORTING AGENCIES TO CONFIRM RECEIPT OF THE DISPUTES AND THE RUN-AROUND HAS BEEN AN ABSOLUTE BURDEN. THE AGENTS ADDRESS ME AS IF THEY'RE THE VICTIM & FURTHER CONTEND THAT I, THE CONSUMER & VICTIM OF THE NONSENSE THEY'RE REPORTING, SHOULD BE THE ONE CONDUCTING THEIR JOB OF INFO GATHERING & VERIFICATION. THE AGENCIES HAVE A DUTY TO PROVIDE FAIR & EQUITABLE REPRESENTATION AND DUTY TO CARE FOR OUR PERSONAL INFORMATION. TO DATE THAT HAS NOT BEEN DONE. I DESERVE TO HAVE MY INFORMATION REPORTED CORRECTLY. 

FURTHERMORE, THERE ARE ADDRESSES, PHONE NUMBERS, EMPLOYMENT INFORMATION, AND HARD INQUIRIES BEING REPORTED. THERE ARE NUMEROUS ERROS AND I'VE GONE IN CIRCLES TRYING TO SIMPLY GET SOMEONE ON THE LINE THAT DOESN'T HAVE A LANGUAGE BARRIER OR IS JUST MORE INTERESTED IN THEIR TALK TRACKS AND RUSHING ME OFF THE PHONE VS. GETTING THE DISUTE CORRECT FROM THE START. ITS INCOMPETENCY AT BEST OR THEY SIMPLY DON'T CARE. EITHER WAY ITS UNACCEPTABLE.

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 2023-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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:
On XX/XX/XXXX a dispute was opened for a pre-order charge of {$210.00}. The item was expected to arrive by XX/XX/XXXX. 

Upon completion of opening the dispute I was told that I would be receiving a letter from capital one with information on how to proceeded with the dispute. I never received any letter from them via mail or email. 

On XX/XX/XXXX I was looking at my statement and I noticed that they reversed the temporary dispute and charged my account again. This charge was added back to my account on XXXX on XXXX XXXX I then on XX/XX/XXXX called capital one back to inquire about this document that I was supposed to have received now that I noticed they reversed the claim. During this call I was informed that due to me selecting paperless communications the letter could be found in the document section of my capital one account. I was never sent an email or physical letter or given a notification on my phone app or the website. 

Upon learning this the agent on the phone helped me find and download the document to submit and told me that they would re-open my case and that being passed the timeframe would not impact my claim. 

On XX/XX/XXXX I submitted the filled out document via Fax to capital one and waited to hear a response back. 

Later that day XX/XX/XXXX capital one informed me via email that my claim had been denied due to waiting too long to send in the documentation. 

On XX/XX/XXXX I then called capital ones fraud and disputes center and spoke with XXXX XXXX Employee ID : XXXX about my claim. He informed me that because I waited too long to submit the paperwork that I was unable to continue the claim. He told me that I had 118 days from the day the goods were expected ( XX/XX/XXXX ) to submit the claim paperwork. 

I opened my claim on XX/XX/XXXX, well within the timeframe of 118 days. Due to capital ones failure to properly notify me of the documentation that needed to be sent, it took me until XX/XX/XXXX to send in the proper information. Despite the agent on XX/XX/XXXX telling me that this delay did not matter capital one claims they are unable to help me re-open this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: IL
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:
n accordance with the Fair Credit Reporting act 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 the account number on the account doesnt match my account number I reached out to them and they didnt change anything

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 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I had student loans that I defaulted on. I was rehabbing the loans as of XXXX with XXXX XXXX XXXX XXXX as the servicer. When the pandemic hit in XXXX, there was a freeze on all student loan payments. The federal government also gave a " fresh start '' to all student loans. ( See : https : //www.ed.gov/news/press-releases/biden-harris-administration-extends-student-loan-pause-through-august-31 ) " This includes allowing all borrowers with paused loans to receive a fresh start on repayment by eliminating the impact of delinquency and default and allowing them to reenter repayment in good standing. '' Despite this, the servicer continued to report the loans as " In Collections '' with derogatory reports to all credit reporting agencies during XXXX, XXXX, and XXXX. In XXXX, I consolidated my loans, but the old loan accounts from the Dept of Education still show derogatory marks for the time during the COVID pause. 

I've been unable to get anything done by the Dept of Ed or any other agency, as I just want the derogatory credit remarks removed from my reports. The credit reporting bureaus are aware of the loan repayment pause and should not have been reporting derogatory marks onto student loans accounts during this time. 

Thank you, 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 2021-04-26
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:
Hello, my name is XXXX XXXX. I am writing to delete the following information in my life. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: ALLY FINANCIAL INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To start off, I want to make it very clear that I have never applied for a loan with Ally and never will. My mortgage was purchased by them around XX/XX/2019. My loan was serviced by multiple companies, but my last 14 month have been a living XXXX. I have not been able to get a clear answer from a single person, on any level of the company, including from office of the president. Company can not clarify how some of my checks have been deposited, they have no clue why my escrow balance, according to them, goes up and down like a roll a coaster, why I am being charged interest for payments that are being held up for a month. I have made a simple request, to provide totals for my payments, portions that went to interest, too principal and to escrow. For the last two month I wasted hours and hours of my time on the phone, and apparently, Ally doesn't like dealing with immigrants, which I am, even though a proud Citizen of the US. I have been played for a fool for longer time that is acceptable. I feel it is criminal to treat customers like that and discriminate so blatantly. I have no choice but to refinance my mortgage, just to escape this nightmare, which would cost me thousands of dollars. If company is not willing to cover these costs, I am planning to seek legal help, to remedy that, in addition for torture and discrimination, but feel government has to stop Ally from hurting even more people like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am hereby filing a written complaint against Transunion. I have sent seven certified letters to the credit bureau to verify the incorrect information on my credit profile. Transunion is reporting XXXX XXXX XXXX late for 10 months in XXXX and in XXXX, XXXX and XXXX of XXXX. This is incorrectly recorded. I have not received any communication from them about these late payments and they are yet to verify the validity of their data. They have not made any attempt to try to rectify this urgent matter. I initiated the verification process with them in XX/XX/XXXX and I am yet to reach a resolution. Im hereby seeking assistance and resolution. If this can not be resolved in a timely matter I will be forced to file legal action with the assistance of my attorney.

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 2018-04-04
Company: EQUIFAX, INC.
State: IL
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 XXXX on XX/XX/XXXX. XXXX  on XX/XX/XXXX. XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX on XX/XX/XXXX. XXXX  on XX/XX/XXXX. XXXX on XX/XX/XXXX. XXXX XXXX onXX/XX/XXXX. XXXX XXXX on XX/XX/XXXX. XXXX XXXX on XX/XX/XXXX. XXXX on XX/XX/XXXX. XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX on XX/XX/XXXX. XXXX/XXXX on XX/XX/XXXX. XXXX XXXX on XX/XX/XXXX. XXXX on XX/XX/XXXX. XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX. ALL INQUIRY NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
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: Account information incorrect

Complaint:
I had student loans that I defaulted on. I was rehabbing the loans as of XXXX with XXXX XXXX XXXX XXXX as the servicer. When the pandemic hit in XXXX, there was a freeze on all student loan payments. The federal government also gave a " fresh start '' to all student loans. ( See : https : //www.ed.gov/news/press-releases/biden-harris-administration-extends-student-loan-pause-through-august-31 ) " This includes allowing all borrowers with paused loans to receive a fresh start on repayment by eliminating the impact of delinquency and default and allowing them to reenter repayment in good standing. '' Despite this, the servicer continued to report the loans as " In Collections '' with derogatory reports to all credit reporting agencies during XXXX, XXXX, and XXXX. In XXXX, I consolidated my loans, but the old loan accounts from the Dept of Education still show derogatory marks for the time during the COVID pause. 

I've been unable to get anything done by the Dept of Ed or any other agency, as I just want the derogatory credit remarks removed from my reports. The credit reporting bureaus are aware of the loan repayment pause and should not have been reporting derogatory marks onto student loans accounts during this time. 

Thank you, 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 2021-01-12
Company: CAVALRY INVESTMENTS, LLC
State: NY
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:
Dear Sir or Madam : I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. 
CREDITOR CAVALRY {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Observed on my credit report from Trans Union that the company XXXX XXXX XXXX XXXX is constantly doing unauthorized inquiries into my credit worthiness each month. Called XXXX out of XXXX TX on XX/XX/2019 to ask them to stop abusive inquiries. 

They're phone system reports 1 ) I don not have a loan open with this company 2 ) that they can not find a loan application that I have made with this company. 

When prompted I asked to be placed on hold to speak with a real live person/representative. After 5 minutes the automated system reports that no representatives are available and hangs up on me. 

My guess is that these people got my information off the web and are " considering '' offering me a debt consolidation ( personal ) loan that I have not requested or authorized and do not want. 

My efforts to stop they're inquiries into my credit are prevented intentionally by their phone system. 

This is the mark of a scam or unscrupulous company. 

- 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 2019-04-10
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I am contacting you about a matter of great concern to me. Recently, I found multiple mistakes on my credit report. As I understand it, I have the right to contest these items with XXXX, Experian, and XXXX XXXX ; and each bureaus is required to conduct investigations into the specified accounts. I contacted the bureaus, and requested investigation via postal-mail, on XX/XX/2019. I expected to receive a response from the bureaus within 30 days, alerting me that the accounts have either been corrected or deleted. As of today, 44 days have passed without a response, and this is unacceptable.

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 2023-06-08
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: Account information incorrect

Complaint:
I paid my final payment to XXXXr on XX/XX/XXXX. I have evidence of all payments made via my bank statements and I sent them proof through Experian dispute and they still refused to update my account as paid in full. I disputed 2 times and XXXX keeps reporting a balance that is higher than last time. The total paid is {$5100.00} including interest way over the amount of the loan. I only took out {$3500.00} and was given {$1000.00} up front. This was a credit builder loan through XXXX XXXXXXXX XXXX  where I would receive the rest after completely paying off the loan. I applied through XXXX XXXX. XXXX XXXX transferred my account to their partner XXXX. If, I didn't pay off the loan, then why was I paid in XXXX {$2500.00} that was owed to me. The payments made from my bank account shows XXXX ( via my debt card ) and also Withdrawal from Service and Systems loan ( paid via ACH ). So it shows two different ways on my statement but the same people and you can check with my bank to verify. This account needs to be updated as paid full. They would not have given me the {$2500.00} if I didn't pay them in full. It was a nightmare trying to get the money that was owed to me after pay off because they refused to give it to me and made up lies that I did not pay. So, when I finally got my check in XXXX, I was happy but now they are trying to say I still owe. Again, why pay me then? It shows on my bank statement and the image of the check from XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX ) that {$2500.00} was paid 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 explanation