BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: SC
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:
Twice in one month, I have had fraudulent inquiries on Experian by XXXX. XXXX setup a fraud alert and froze my account but these fraudulent inquiries are still occurring, appearing on my report and have significantly lowered my credit score. The first dispute ( which was successfully resolved ) dropped my score XXXX points. The recent still pending dispute dropped my score an additional XXXX points with a total drop from XXXX to XXXX. Experian is encouraging me to sign up for a monthly subscription plan with additional fraud monitoring but is not helping address or stop the fraud that is currently occurring.

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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-08-15
Company: Bridgecrest Acceptance Corporation
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
XXXX XXXX requested a downpayment of {$3000.00} for may vehicle while I was under duress to purchase a vehicle. They were made aware that I had received a hardship grant from my job to help during XXXX for may family. the grant was for XXXX and they requested the entire amount which I had been to the dealership several times and a down payment was not discussed when we first started the car purchasing process. 
I feel like I was taken advantage of while under duress and violated regarding the Truth and Lending Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA
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:
XXXX has been non-compliant with removing the unverified account FAIR COLLECTIONS & OUTSOURCING which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that FAIR COLLECTIONS & OUTSOURCING was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2023-11-06
Company: Opportunity Financial, LLC
State: IL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a personal loan, and was asked for documentation showing my legal name change. I provided my US Passport, current unexpired Illinois drivers license, paystubs from my employer and social security card. I was then asked for my marriage certificate proving why my name changed. I submitted a copy of my marriage certificate, apostile and certified translation documents because I was married outside of the US in a country participating in the Hague Convention. I was then told that my marriage documents had to be US issued. which is not possible as I was married outside of the country, despite my documents being accepted by the United States Government. this is discriminatory practice. All of my documents are US government documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 2023-11-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX Checking account Closing an account FIFTH THIRD BANK XX/XX/2022 Closed Company responded in accurately. They have me in XXXX XXXX and delinquent when they never paid the vendor to charge fees. When there should not had been a charge of over draft because I did no elect it. And when asked for the information they never itemized the charges in my compliant it sent to to me they just created an amount and kept charging fees for that defamation. I shouldnt had accumulated fees on a charge they never settled. This is and error and I want it corrected and removed from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: CORELOGIC INC
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I wasn't made aware that I could opt out.

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 2021-10-18
Company: EQUIFAX, INC.
State: OH
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:
Equifax made it clear not to follow Metro-2 compliance guidelines. Never fully investigated my concerns. Accounts reappeared on my credit report after being removed in XXXX. 
Below is receipt of certified mail with proof of mailing letters send out past and present. 

Let remember I disputed with them over 6 times. So they had over XXXX plus to follow strict procedures. Now when accounts are removed and/or updates the bureaus must provide " carbon copy '' to their partners, affiliates, and other bureaus. This is part of Metro-2 Compliance so they should have this in their archive to show the accounts deleted. Plus any accounts I disputed in the past until now. 

Also Metro-2 compliance stated any errors on account must be delete. Let remember the creditors and bureaus must go through a compliance checklist for verification, validation process before reporting, and if you have multiply errors on my report, Equifax clearly did not investigate, but lied. Its CFPB to enforce the laws. 

Certified Mail # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I went to Macy 's at XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX on Wednesday, XX/XX/2022. I took items to check out at a register and was asked if I had a Macy 's card. I let them know that I did but I didn't have it with me. The cashier told me they could look up my account and charge it to my card. They asked for my ID, checked me out, and then after leaving I got a text message about registering my new Macy 's card. I checked the receipt and it was charged to a card with a different card number then my existing card. I did not agree to sign up for a new Macy 's card. New card ends in XXXX, my current card ends in XXXX. I attempted to register the new card, but no new card is shown on my Macy 's account. I called customer service on Thursday, XX/XX/2022, who claimed they cancelled the new card, but on Friday, XX/XX/2022, I got another text asking me to register my new card.

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 2023-12-19
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Ive pulled my credit report on both your websites, XXXX, XXXX and XXXX have found some inaccurate information that requires removal. 

XXXX # XXXX is reporting on XXXX credit report 60 days late for XX/XX/2022, XX/XX/2022 and XX/XX/2022. For XXXX and Experian, it is reporting 30 days late for XX/XX/2022, XX/XX/2022 and XX/XX/2022.

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 2021-07-13
Company: UMB FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
UMB Bank National Association provides account servicing services to my Health Savings Account with XXXX. 

On XX/XX/21 I initiated a wire transfer for {$3500.00} to my Health Savings account routing XXXX account XXXX. 

The wire of {$3500.00} has been returned instead, and the UMB kept {$50.00} fee, despite advertising no fees associated with the incoming wires. 

Please kindly, look into similar complaints in this matter and advise how could we recover missing {$50.00}. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-11-06
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2023 I went in XXXX and purchased around XXXX worth of merchandise. As I was checking out a preapproved prompt came across the screen. I agree to it and it was for {$400.00}. I was told to call for an increase and so I did. I was told no and to wait for my reason y in the mail. Their reason why is Comenity Bank wants to see consistent payments which discrimination. Adverse action against a consumer is against law according to the Equal Credit Opportunity Act. Regardless of the reason for that low credit limit, I have the right to credit. Withholding my access to my security is security fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Problem with personal statement of dispute

Complaint:
Submitted several letters asking for Proof of Debt, including request for signature or contract from said debt collector. They only responded with copies of old statements for original creditor, that debt was written off. There is no contract with current debt collector. Therefor no evidence of an agreement, contract or statements between myself and debt collector. I cite XXXX XXXX XXXX XXXX XXXX XXXX in this matter now and in a court of law. 
dates of letters : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$4200.00} They have refused to remove from credit bureaus and have not verified debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
I took Bank of America to Courts twice. Once in the U.S.District Courts of Missouri. Then next in the Sepreme Courts of New York.

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 2023-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a XXXX account when I was XXXX XXXX XXXX, and because you have to be at least 18 years of age to have a XXXX account, I believe the Informations was sent to credit card companies and then credit cards were sent to our address. When my father ran out of money to lay for food and other necessities I pointed out that we had credit cards that kept being sent to us, and so we used one to pay for food and other necessities. Shortly after the credit card was used, a serious family problem occurred which resulted in forgetting about the use of the credit card. About a decade later ( now ) I decided to get a Capitol One credit card, and when I signed up for it, there was no mention of a credit account in my name before my current one. A month or two after I got the Capital One credit card I was sent a paper in the mail from XXXX XXXX XXXX XXXX ( XXXX ) saying that I owe them {$450.00} because they bought my previous Capital One credit card debt. I then disputed their claim because I assumed they were talking about the credit card I got just after turning 18 and they sent me copies of papers of Capital One saying that the XXXX acquired my credit card account with a balence of {$450.00} ( The credit card used for buying groceries ). My father and I then decided to call XXXX and see if we could somehow get the debt transferred to his name without any record of this debt being in my name. They then proceeded with telling us to pay it off and it will no longer be there but that didn't help us since there was still a chance for it to show up as a paid debt in my credit report.

Company response to consumer: In progress
Consumer complaint received 2023-08-15
Company: Marlette Funding, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Monday XX/XX/2023 apply for a line of credit XXXX and was denied credit. I feel they didn't give me credit because maybe low score or income purposes..which is q violation of the equal credit opportunity act.for discrimination of some sort

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Bridgecrest Acceptance Corporation
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Due to Covid I fell behind on my payments which I had a good payment history with Bridgecrest prior to Covid and getting sick 3 times with the virus. 
I called to ask Bridgecrest for assistance. Instead of lowering my payments or deferring them, they pushed the payments to the back of the loan. 
My car was repossessed around XX/XX/2023. I had to pay {$1100.00} XXXX and Bridgecrest made me pay once a month instead of biweekly on the XXXX and threatened that if I missed a payment they would repossess my car again. 
I never received any documents regarding the repossession. 
I was sent an email after I made mention of no documentation regarding the repossession. 
I never agreed to change my biweekly payments. 
I feel I was forced under duress concerning the terms of receiving my vehicle back from the company.

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 2023-11-06
Company: Blitt and Gaines, P.C.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
SINCE XXXX XX/XX/XXXX TO XXXX XXXX XXXX  CFPB I am demanding proof of contract not computer created statements because they have only sent me copies of statements that I don't even know where they came from or who they are from in a computer you can create mani things like robo signatures I am demanding proof of contract I am demanding proof of contract I am demanding proof of contract they don ; t show proof of contract because they don't have one This is my eighth Qualified Written Request, for proof of claim Dated XX/XX/XXXX. Like on Previous letters advice that BLITT AND GAINES, PC. should fail to produce proof of claim within 30 days ; they will have exhausted their administrative remedy under a private administrative process and tacit agreement, BLITT AND GAINES, PC. failed to provide any documentation, original wet ink signature contract note specifically including records transferred from any previous lender or Bank. And BLITT AND GAINES, PC. ignore my demand and instead supply false untrue forms in pursuant of USC Title 18, part1, chapter 101 2071. USC Title 18 Part1, Chapter 63 1341, 1343, 1345, 1346, 1349.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: GOLDMAN SACHS BANK USA
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2023 I was charged {$2200.00} on My Apple card. This was a charge from XXXX XXXX. XXXX did a pre authorization for every charge that totals this amount but instead of charging each amount of the pre authorization they left them intact and charged the total at the end. Goldman Sachs has a hold for all of these charges and will not release them without something fro XXXX. I am essentially being charged twice by XXXX but Goldman will not help with this matter. Charges that were set up on autopay from other companies have been declined due to this hold which has resulted in additional charges from them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Hello, My issue is I have been in XXXX XXXX so my pay checks have been late. Between that and the holidays I ended up going negative. I couldnt make it to the bank to put any money in. At one point, I was able to put in {$200.00} but then the fees started, and I had no more money left. I just want the money back, please. 

XXXX {$70.00} XXXX {$35.00} XXXX {$35.00} XXXX {$35.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: MORGAN STANLEY & CO. LLC
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I utilized Etrade/Morgan Stanley Bank account to redeem a set of Series I savings bonds from the Treasurydirect.gov. Funds credited to account and then the account was frozen. I called to inquire as to why, and they asked to verify deposits. I provided them with emails I received from treasurydirect.gov as well as screenshots showing detailed account information and redemption info matching the deposits. 

The Etrade/Morgan Stanley representative then asked for statements. I explained that these are Savings Bonds and there are no monthly statements available. They have my money frozen which I am trying to withdraw for my pending closing/home purchase coming up on XX/XX/XXXX. Please help! They are intransigent and this is theft of my money.

Company response to consumer: In progress