BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-06
Company: USCB Corporation
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called USCB on XX/XX/XXXX tried to explain to them I never attended a school call XXXX XXXX XXXX. I explain to them that might be mistaken identity or I was a victim of identify theft. I ask them if they can send me to proof of enrollment such as driver license and my high school transcript that is required to attend any school. They lady on the phone told they dont keep such records. She informed this was enrollment fee. I ask for fraud affidavit she refuse to send me one. I explain I can make a police report stating that I was victim of identify theft and I can send that to their office so this can resolved. She explain to me that sending that will no make no difference. Only thing will resolve this account is payment. I ask if made the payment will she be able to send me out fraud affidavit. I went ahead and paid the XXXX balance.

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 2021-06-11
Company: CITIZENS FINANCIAL GROUP, 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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: TX
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-01-29
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, 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:
Experian keeps reporting discover card and acceptance now and not updating my name and current address. XXXX XXXX is also doing the same with other account that are old and incorrect personal information being reported and XXXX as is not updating fast enough and my identity was involved in the breach that they were sued for where my information was sold and given to the dark web by them. I am a victim of identity theft.

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 2023-11-30
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13
Company: MoneyLion Inc.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Let me start by saying DO NOT BANK WITH THEM DO NOT PUT YOUR PAYROLL DIRECT DEPOSIT WITH MONEYLION!! 
Let me share my frustrated experience with this awful company my account from nowhere was put on hold they sent me an email to send my documents which I did to retention support only response I got was we will verify your documents within 1 to 2 business days waited till 3rd business give them a call supervisor by name XXXX XXXX guarantee me account would be fixed by today XX/XX/13 nothing yet when I started questioning what's the hold not able to provide me any type of information when I ask them what's the dedicated team number no information provided either when I question them why was my account flag they couldn't even provide me with a straight answer I have sent multiple emails to that dedicated team that has no number or able to transfer and guess what no response either as a consumer we do have financial laws that protects us and for me this sounds like a SCAM I have cancel my direct deposit from my employer due to this matter they basically stealing my money I will be reposting this everywhere possible even to there headquarters I decided one last time to speak with a supervisor and not even a SUPERVISOR can give me a straight forward answer how can you trust a so call bank when they can not provide any type of information after verifying your identity multiple times at this point i just want my money and there not willing to give me my money back!!

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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: PA
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 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 2023-09-01
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:
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 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 2023-05-01
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 disputed several accounts with Equifax in XX/XX/XXXX. Upon supposed completion of the investigation XXXX  accounts were updated erroneously. XXXX is a closed and charged off account as of XX/XX/XXXX After investigating my report was updated to reflect charge off/late payments for multiple months all the way up to XX/XX/XXXX per FCRA section 623 a 1A and a1B this is illegal because I have informed them the information is incorrect and they are still reporting this information without correction. Also covered under FCRA 623 late payments and charge off are to be reported up to the date the account was closed and not after. XXXX XXXX is a closed and charged off account as of XX/XX/XXXX After investigating my report was updated to reflect charge off/late payment in XX/XX/XXXX per FCRA section 623 a 1A and a1B this is illegal because I have informed them the information is incorrect and they are still reporting this information without correction. Also covered under FCRA 623 late payments and charge off are to be reported up to the date the account was closed and not after. I also requested review of the account XXXX. This account is not reporting accurately and has since been deleted from my reports with other credit bureaus but XXXX did nothing. There is also collection account for XXXX XXXX XXXX in which I have disputed because this is not my account and they have provided no validation that this account belongs to me whatsoever I have never had any contract nor agreement with this company and they have not been given my permission to report anything whatsoever. Ive asked that this be removed and it still has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: CITIBANK, N.A.
State: NY
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 is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 

XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}

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 2017-05-03
Company: EQUIFAX, INC.
State: IN
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:
On  XXXX   XXXX ,   XXXX   I pulled my  XXXX  major credit reports from  XXXX . I noticed an account being reported by  XXXX   XXXX   XXXX   XXXX  that I had no knowledge or record of. I disputed this account with all  XXXX  agencies under the complaint of " account does not belong to me ''. On or around  XXXX   XXXX ,   XXXX   I received an updated credit report and a summary of the investigation that simply stated  " Information va lidated as accurate ''. No reason, method, or support to that statement.     In the updated credit report I found that not only did they not resolve my complaint but they allowed  XXXX   XXXX   XXXX   XXXX  to update information on the account from charge-off with a balance of   XXXX   and no late payments to having no high credit limit, a balance of {$2200.00}, a charge off amount of {$2200.00}, re-age the date of last payment from  XXXX  to  XXXX , and tack on  XXXX  reports of 90 days late to account that had a previous balance of {$0.00}.     I then disputed this new information with all  XXXX  credit agencies with the investigation results once again stating  " Information  validated as accurate '' with out anything to support that statement.     I then proceeded to file a complaint with the BBB against Equifax about the matter. However, the BBB did nothing but open up a line of communication with Equifax. No investigation supporting documents were furnished to support their findings, and they refused to correct the issue.     I then made direct contact with  XXXX   XXXX   XXXX   XXXX . Once I was able to finally get a hold of the right person, after first being sent to the collection department to try and strong arm me into paying on an account that is not mine, they simply gave me the number for Equifax and hung up.     I am now in the process of initiate   XXXX   last effort to have the report corrected before I pursue legal advice on handling the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: Glasser and Glasser, PLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a summons, which was dropped onto my doorstep and not delivered to me personally ( I was home all day ) that I was being sued By Glasser and Glasser for money due to XXXX XXXX   XXXX. This was the first mention of this debt, and I subsequently learned that Glasser and Glasser is a collection agency. I received no prior notice of this debt whatsoever. Nothing in writing. Nothing about what the debt was for, no dates of service. No opportunity to dispute. No notification of intent to sue, since I had nothing in writing whatsoever from this company. Summons said they represent XXXX XXXX XXXX  ; XXXX XXXX XXXX said they do not represent them, they are a debt purchaser. I was served a Warrant in Debt with no knowledge of this, and no notification in writing whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: Professional Finance Company, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Professional Finance Company or PFC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Put a negative report on my credit report. We have tried to contact them with no response we also sent via XXXX  with a signature required letter they did sign for the letter but refuse to respond to us. 
Don't understand why they are in this business if they can't respond after placing a negative report on my credit.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: EQUIFAX, INC.
State: GA
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 am a natural Person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts below be removed because According to 15 USC 1681 : I have rights to privacy and I did not give Equifax written permissions to furnish these accounts. 


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 EQUIFAX MORTGAGE SERVICES 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 response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: HYUNDAI CAPITAL AMERICA
State: NV
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:
**********THIS IS NOT A DUPLICATE ********************************************************* WE ARE ASKING XXXX XXXX XXXX TO REVIEW OUR STATEMENTS WE RECENTLY FILED A COMPLAINT WITH HYUNDAI CASE # XXXX  XXXX XXXX WE FILED A COMPLAINT AND IT WAS ASSIGNED TO A INVESTIGATOR XXXX XXXX XXXX  HYUNDAI DEALERSHIP IN XXXX XXXX   FALSIFIED MY BROTHERS INCOME TO GET HIM APPROVE FOR FINANCING. WE ASKED XXXX XXXX TO PROVIDE US WITH THE ORIGINAL APPLICATION FOR FINANCING BUT ALL THEY SUBMITTED TO US WAS THE CONTRACT. WE ALSO WENT TO XXXX XXXX  AND ASKED THE FINANCE MANAGER FOR A COPY OF XXXX   ORIGINAL CREDIT APPLICATION THEY WOULDNT GIVE IT TO US BUT THE FINANCE MANAGER DID ADVISED HE HAD A MONTHLY INCOME OF XXXX  THAT IS NOT TRUE. XXXX RECEIVES XXXX  A MONTH SSI XXXX XXXX   HAS RUINED XXXX CREDIT BY FALSIFYING DOCUMENTS TO GET HIM FINANCED. XXXX TRIED TO PAY FOR THIS CAR UP UNTIL HE GOT EVICTED FROM A LOW INCOME HOUSING WHERE HE LIVED FOR 7 YEARS PAYING XXXX   A MONTH RENT, HYUNDAI HAS RUINED XXXX   REPUTABLE CREDIT. WE ARE ASKING HYUNDAI TO REVIEW THE COMPLAINTS. WE HAVE ARRANGED TO SURRENDER THE UNIT. SINCE THIS LOAN WAS FALSIFIED WE HAVE HIRED A ATTORNEY ( AUTO FRAUD ATTORNEY ) TO ASSIST US WITH THIS MATTER. XXXX IS XXXX   AND ONLY RECEIVES XXXX  A MONTH FOR THE PAST 25 YEARS. WE CAN PROVIDE DOCUMENTS. HYUNDAI FUNDING DEPARTMENT SHOULD HAVE PROOF OF HIS LETTER OF AWARD. MY CONCERN HERE IS THAT XXXX   SHOWED PROOF OF HIS INCOME TO THE DEALERSHIP WHICH WAS XXXX WITH A XXXX CREDIT SORE. HOW WAS THE UNIT FUNDED BY THE FUNDER WHEN HIS SSI SHOWS XXXX  AND THE DEALERSHIP REPORTED XXXX   THE FUNDER SHOULD HAVE CAUGHT THAT AS A RED FLAG. UNLESS SOMEBODY IN XXXX XXXX WORKS WITH THE DEALERSHIPS. WE ARE ASKING THAT HYUNDAI PLEASE REMOVE ALL NEGATIVE REPORTING FROM XXXX XXXX  CREDIT FILE, VOLUNTARY REPOSSESSION, LATE PAYMENTS DUE TO THIS LOAN BEEN FALSIFIED IT IS A FRAUDULENT LOAN, THE PERSON FROM HYUNDAI ESCALATION TEAM NAME IS XXXX  AND HIS NUMBER IS XXXX  YOU CAN SPEAK WITH XXXX   AS WELL HE REDIRECTED US BACK TO THE DEALERSHIP WE ARE AWAITING HYUNDAI TO PICK UP THE UNIT AND WE WANT XXXX XXXX XXXX TO REMOVE ALL NEGATIVE REPORTING INCLUDING VOLUNTARILY SURRENDER OF THE UNIT.

Company response to consumer: Closed with explanation