BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's been about six months since my first letter went out to Experian. Simple letter asking to update my phone number, employment information, and i noticed a few accounts that did not belong to me.

With over fifty letters sent to Experian which i am happy to send, this investigation has gone on for over six months. The accounts that do not belong to me and do not have my name or phone number or information on are still being reported by Experian.

I have the letter 's i sent to Experian explaining how each account is flawed and must be removed because of Experian 's continuous breaking of the law.

Experian has violated the FCRA, FCDPA, TILA, and FDPA. I have the documentation from Experian to verify this information. 

From XXXX XXXX to XXXX XXXX without any resolution. The investigation results keep coming back as " verified as accurate '' without any of the legal documentation i requested. How can you repeat an investigation over 50 times without conducting an outside investigation like the FCRA requests?

Section 314 of FCRA demands credit bureaus to provide a signed contract with my name and signature along with account detail in order to deem the account as verified.

Experian has been playing games with my personal information for over six months and i'm going to use the law to put an end to this none-sense.

I have every tracking number from XXXX until today saved, i have every response from Experian saved from XXXX building my case stronger and stronger. 


Experian you cant break the law and get away with it, i demand you remove these accounts this instant you are conducting a fraudulent investigation and you clearly have no club what you are doing. 

If you had a clue what you were doing you would realize the damages you have done to me in the past six months. 

Your reporting issues have cost me my dream house. Experian you will pay {$1000.00} fine for each account being reported incorrectly. Every account must be 100 % accurate to report, and these accounts are NOT accurate and do NOT belong to me, delete them now.

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 2021-03-31
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Requested an ACH-out from checking account on XX/XX/XXXX for {$3500.00}, this was rejected by TD Bank because, they will only allow me to deposit money but will not let me use my money to pay my bills. Due to this rejection the financial institution that I used to request this ACH transfer has now charged me {$25.00} for the returned ACH and I'm late on paying my bills so eventually the late charges will now start accruing. Also made a Bill Pay request to pay my XXXX XXXX credit card on XX/XX/XXXX for {$2800.00}, called TD Bank on XX/XX/XXXX @ XXXX ( spoke to rep named XXXX ) to confirm this bill was paid since the funds are still showing on the checking account -- she stated that the funds were not sent to pay my credit card and I would need to contact XXXX  to ask why they would not accept it. Confirmed with XXXX that they will accept and all of the account information entered was correct and they would accept payment if it is sent. TD Bank checking account does not allow me checking capabilities like a bank should, this bank is holding my funds while I continue to incur charges and can not pay bills with funds that I deposit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: SC
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 XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-07
Company: Navient Solutions, LLC.
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: Personal information incorrect

Complaint:
I haven't moved in 15 years and own my condo. So last month Navient XXXX XXXX contacted me about payment due. Then they then stated the address they have on file is one I never lived at before!! Oddly I worked on that block over XXXX years ago. This is shocking and unbelievable they invented a new address and reported this misinformation to the credit bureaus! And Navient is refusing to correct this false information having a negative impact on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
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: 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 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 2021-05-10
Company: BBVA FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I was a member of Simple bank, which was backed by BBVA. XXXX stepped in and had BBVA shut down Simple service and forced people to migrate to BBVA. This migration happened Friday XX/XX/XXXX. The company failed to prepare adequately for this large migration of users and their systems crashed. Calls to BBVA customer service do not work as their system hangs up on me. Their online chat also fails to direct me to customer service. 

Their site now states : " If you were able to create a username and password in Online Banking or Mobile Banking, but received a system error message, please try logging in again with your new username and password before restarting enrollment. If you were not able to create a username and password and are locked out, please call customer service at XXXX. '' I fall into the second bucket of users who were not able to create a username and password due to their system issues and am locked out. Again, the phone number they provide hangs up the user once the appropriate options are selected in their menu. This leaves tens of thousands of people without a way to access or manage their funds, or opt out of optional serviced the bank defaulted us into that have associated fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: OK
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 appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 : {$2400.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XX/XX/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 XXXXXX/XX/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 2023-03-03
Company: Experian Information Solutions 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:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, DPT EXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX XXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX ( Original Creditor : AAA ) Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX XXXX  Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX XXXX XXXX Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 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 non-monetary relief
Consumer complaint received 2023-04-20
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a notice of servicing transfer dated XX/XX/23 from XXXX XXXX XXXX XXXX LoanCare , LLC that stated my mortgage would be transferred to another servicer effective XX/XX/23. The notice stated that I could contact my current servicer with questions at the following phone number : XXXX. I had a question regarding how my next payment would be handled since my payments are automatically withdrawn by the servicer, so I called the number. I waited on the phone/on hold for more than an hour and no one answered. Having to wait more than an hour to talk to someone about my mortgage is unacceptable and unfair to this servicers customers.

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 2023-05-26
Company: Innovate Managed Holdings, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Im behind two payments With Innovate Auto Loan, but got sent a bill for over {$3800.00}. My note is only {$630.00} plus a {$3.00} charge to pay online. I can not afford over {$3800.00} in unexplained fees. I understand Im behind by two payments, but Im going to pay it by next week. I just received a notice for repossession with a date that has passed demanding a high amount. This is ultimately XXXX fault for making this new deal because the other one fell through. First, the loan amount owed was higher than it should have been. That was just updated two weeks ago. Now, Im being hit with a repossession letter that was dated for last week and the amount is higher than what it should be. This year has started off terrible. I fought for my life battling XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: EQUIFAX, INC.
State: VA
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've Contact Equifax For Several Months Asking Them About A Account On My Consumer Report Account # XXXX ( XXXX. XXXX ) It's Been Well Over 120 Days And I Filed A CFPB Complaint Against This Company Because Federal Law States If No Evidence Is Provided Within 30 Days The Account Has To Be Removed From My Consumer Credit File Equifax Is Committing Identity Theft This Company Closed My Complaint Out And Gave Me A " Generic '' Response This Is Unbelievable How Can Equifax Furnish This Account On My Consumer Report And I Never Gave Them Written Instructions Also They Have Failed To Even Send Me Any Contract With My Name On It I Haven't Received Any Valid Proof This " Alleged '' Account Is Even In Fact True This Is Sad That Equifax Is Taking Advantage Of Consumers Making Money Off " Alleged '' Accounts Then Refusing To Remove The Accounts And Also Not Providing Proper Documents I'm Livid With This Company And CFPB Needs To Do Something About It You Can Not Take Your Company Rules Over Federal Law!! I Demand This Account Be Removed Now!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
identity theft XXXX XXXX XXXX opened XXXX with a balance of {$6200.00} is not her account XXXX Opened XXXX XXXX high balance {$2100.00} is not her account XXXX XXXX   Opened XXXX XXXX high balance {$4500.00} is not her account XXXX XXXX Opened XXXX XXXX high balance {$1000.00} is not her account XXXX XXXX XXXX XXXX Opened XX/XX/XXXX is not her account XXXX XXXX XXXX XXXX Opened XXXX high balance {$250.00} is not her account XXXX XXXX High balance {$870.00} Opened XXXX XXXX is not her account XXXX XXXX High balance {$260.00} opened XXXX XXXX is not her account CHAPTER-XXXX Reference number XXXX discharged XXXX is not her account XXXX XXXX High balance {$1000.00} Opened XXXX XXXX is not her accout The XXXX XXXX High balance {$690.00} Opened XXXX XXXX is not her account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX, I was provided a report from a background-checking company, on behalf of a potential employer. I was told that my report showed another person 's name, using my social security number. I was notified later that day, by an HR person at the potential employer, about the report, and she sent me a partial copy of the report via e-mail, which showed the other person 's name, address, and birth date. I was told I should contact the Social Security Administration, which I did, via phone. When I called the SSA, a representative told me I needed to file a police report. So I called the police and was told that without a report showing a specific crime was committed, I could not make a report. So I notified the background-checking company that I was getting the runaround from everyone. The person who ran the initial report on me sent me a report via snail mail. When I received it, I found numerous inaccuracies. I saw the person whose social security matched mine, on the report, and she is showing under my social security number since XX/XX/XXXX. She was born in XXXX. I also am showing on the report as having lived at an address from XX/XX/XXXX to XX/XX/XXXX, where I never lived in my life, although this address is showing with my name and social security number. In another part of the report, I am shown with a middle name of XXXX. My middle name is XXXX. I am concerned that this person who is showing with my social security number may be drawing Social Security XXXX using my social security number, which could lessen my retirement benefit. I can't get anyone to take this seriously or to give me accurate or useful advice on what to do.

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 2023-10-31
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dear CFPB Representative, I hope this message finds you well. I am writing to seek urgent assistance and intervention in a financial matter that has caused significant distress and extreme XXXX. 

On XX/XX/2023, I opened XXXX accounts, the XXXX XXXX Account and the XXXX XXXX XXXX XXXX, with BMO through their website. I followed the instructions and proceeded to transfer the initial deposits into the accounts. Using my XXXX account detailsspecifically the routing number and account numberI made XXXX distinct transactions : a {$25.00} deposit into the Smart Advantage account and a {$25000.00} deposit into the XXXX XXXX XXXX XXXX account through the XXXX website. 

However, on XX/XX/2023, I received notifications from XXXX stating they encountered difficulties funding my newly opened accounts and decided to refund. However, I only received the {$25.00} deposit reflected in my XXXX account. The {$25000.00} intended for the XXXX XXXX XXXX XXXX account did not appear. 

Despite numerous attempts to resolve this issue by contacting XXXX, I have not received a satisfactory resolution. XXXX asserts that the {$25000.00} was returned to my XXXX account on the same day as the {$25.00}, but this substantial sum has not been credited to my XXXX account. I subsequently engaged with XXXX, providing them with all pertinent details and initiating a dispute investigation. Regrettably, after their investigation, XXXX conveyed their inability to locate the disputed funds and redirected me to seek a resolution from XXXX. My latest conversation with BMO, specifically with their XXXX department, failed to yield any tangible resolution or guidance. Their suggestion to visit a physical branch is not feasible, as there is no XXXX branch in my residing state. 

This financial situation has made my life a mess as I need to use the {$25000.00} to pay my rent and groceries. Therefore, I seek the CFPB 's assistance in facilitating a resolution to retrieve the missing {$25000.00} and in holding both BMO and XXXX accountable for their roles in this issue. 

I would appreciate your immediate intervention and guidance on steps to reclaim the missing funds and to ensure accountability from both financial institutions involved. 
I am willing to provide any additional information or documentation necessary to expedite the resolution of this matter. 

Thank you so much! 
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 2023-10-17
Company: EQUIFAX, INC.
State: FL
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:
I have no knowledge of the inquires listed below. And the hard inquiries are a result of identity theft and must be removed no later than four business days as per U.S. Code 1681 c-2. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: Experian Information Solutions 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. 
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.

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 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