BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-02
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:
I am writing to your company again as you continue to violate my rights as a consumer by having these fraudulent accounts on my credit report. I do not understand how it is possible you are able to verify these alleged accounts when it is clear that there are so many inaccuracies and incorrect information. Please remove these fraudulent accounts that are listed in the FTC Claim. I have reported this and included yet another FTC Affidavit. I also made a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX ; Experian and XXXX should not be reporting a current balance of {$1000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was turned back in per the terms of the agreement. There is no outstanding balance due. Please update and/or remove this line item from my credit report. This false reporting of a balance due is harming my credit score. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX XXXX as well as the bureaus to remove this however, I have not been successful.

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 2022-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have unauthorized credit inquiries on my credit report as the result of identity fraud. The companies that summitted inquiries and the dates they submitted inquiries are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE 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 CAPITAL ONE FINANCIAL 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: MoneyLion Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
There was a credit builder loan that was received in my name that states that the loss on the loan that was reported on my credit report was a write off of {$500.00}. That amount of money was never dispersed to me. The amount that they are collecting is the amount that I received, {$120.00}. When I attempted to cancel the loan, they refused to do so and continued to try to draw money from the account that was connected to the XXXX XXXX loan. Today I spoke with the company concerning the report on my credit, stating that it was incorrect and they continued to tell me that I signed a contract. It was stated to me that the matter would be escalated, but I am unsure as to what that will actually do. Date open XX/XX/2021 Status updated XX/XX/2021, last payment date XX/XX/2021. I have never received or used the {$500.00} that they are stating was loaned 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 2018-07-31
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: Their investigation did not fix an error on your report

Complaint:
EXPERIAN will not permit the following accounts to be disputed online.They are automatically rejected for any reason whatsoever including " acct. closed '' or " too old to be on file '' .WHEN speaking to XXXX. IN XXXX, TEXAS the employees are disrespectful, can not find documents that have been presented to the CFPB against Experian and seem limited in their ability to help me because I have not sued them in civil court yet and therefor I'm not assigned there..When calling EXPERIAN regular customer service the employees are so stupid they do not understand their own business jargon that is included in this complaint. 
The following accounts have DOFD 's that are not accurate ; inaccurate according the the FCRA definition of DOFD.They qualify for early exclusion.They are XXXX XXXX XXXX, XXXX coll. in amt of {$1500.00}, XXXX XXXX  XXXX XXXX. in the amt. of {$620.00}, XXXX XXXX XXXX XXXX, XXXX. IN THE AMT OF {$1100.00}, and finally XXXX XXXX XXXX in the amt of {$1300.00}. 

XXXX XXXX XXXX XXXX, XXXX is an account whose DOFD has been illegally re-aged by 4.5 months and although Experian possess proof to that fact they refuse to act on the proof they possess including certified court documents that would cause a financial loss for Experian and their subscriber should the documents be judicially noticed evidence in the possible future case. Will Experian continue to be ignorant and stubborn, not sending this to their legal dept who would agree with me upon 5 minutes of observation of the evidence submitted numerous times to Experian in recent months? 
XXXX XXXX XXXX XXXX 's original creditor tried to settle for {$100.00} but the fact was that the settlement was required to be XXXX dollars by the CALIFORNIA IMPLIED WARRANTY LAWS. 
XXXX XXXX, XXXX, A COLLECTOR AGENT for XXXX XXXX whose debt was previously deleted by Experian appears under the guise of a different account ... they raised the debt amt. by XXXX dollar to look as if their account had no relationship to the previous deleted XXXX XXXX account deleted in recent months earlier than XXXX 's appearance on the file.

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 2023-07-08
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear Sir/Madam, I am writing to bring to your attention a serious matter concerning a fraudulent account that has been reported by your agency, which I believe is a result of identity theft. I have recently discovered this account on my credit report, and I have taken immediate action to rectify the situation. Enclosed with this letter, you will find a copy of the police report I filed regarding the identity theft incident. 

Account Details : Account Number : [ XXXX ] Account Type : Collection Account Type - Detail : Collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$1200.00} No. of Months ( terms ) : - High Credit : {$1200.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Customer disputed account - reported by subscriber. 
Date Last Active : XX/XX/XXXX I want to emphasize that I have never had any association with the mentioned account, nor have I authorized anyone to use my personal information in this manner. This account is a clear case of identity theft, and I request your immediate assistance in resolving this matter. 

I kindly request that XXXX XXXX undertake the following actions : Conduct a Thorough Investigation : I urge your agency to conduct a detailed investigation into the origin and validity of this account. It is crucial to establish that this account is a result of identity theft and that I am not responsible for any associated debts.

Cease All Collection Activities : Given the circumstances, I request that all collection efforts on this account be immediately suspended until the investigation is complete. Any further attempts to collect on this fraudulent debt will be considered a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 

Remove the Account from my Credit Report : Once the investigation confirms that this account is fraudulent, I expect XXXX XXXX to promptly notify the credit reporting bureaus and request the removal of this account from my credit report. The negative impact on my credit score resulting from this fraudulent account must be rectified. 

Provide Written Confirmation : Upon completion of the investigation and removal of the account from my credit report, I request written confirmation from XXXX XXXX that the matter has been fully resolved and that I am no longer held responsible for any debts associated with the fraudulent account. 

I have taken all necessary steps to protect myself from further harm, including filing a police report and notifying the credit reporting bureaus. I expect XXXX XXXX to cooperate fully in this matter and take appropriate action to rectify the situation promptly. 

Sincerely,

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 2018-06-21
Company: GMA Investments, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX XXXX keeps calling me and my family members. They have called my place of employment. I have asked for a letter and have received nothing. They keep calling after I asked them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
File a claim for fraudulent activity in the amount of {$21000.00} on XX/XX/2021 after being release from the hospital where I spend 1 year due to robbery, kidnapping, and trauma to my head and jaw bones. I reported my card stolen with local police department, supplied bank of America prepaid cash pay office of investigation all supporting documents. I'm about to be evicted from my subsidy housing apartment for good as of XX/XX/2021 for back rent of {$9000.00} I have beg and pleaded for an actual investigation. can someone please call me asap?

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 2023-03-11
Company: CITIBANK, N.A.
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
CITIBANK executive staff member, " XXXX '' told me on a XX/XX/XXXX phone conversation that she was going to next day air my funds from a closed account, including interest. She specifically told that only " because of the weekend, '' that it could be Monday, rather than Saturday XXXX XXXX XXXX XXXX XXXX  She told me that the CALL WAS BEING RECORDED, and yet, she never told me, ever, despite very diligent and clear conversations we had ( all of which will be evident on the audio recording ) what she wrote in the letter on my previous complaint, " we submitted your account closure request and were advised that it is currently taking 10-15 business days to complete the closure and receive the check by mail. Unfortunately, expedited requests are not being accepted at this time. '' She lied to me, and never followed up with a phone call, E-mail, or other notification noting this apparent change. I have filed a second police report, and have contacted my local media outlet for advocacy. I was promised my funds from the closed account on the latest, Monday, XX/XX/XXXX, and was lied to. 

Again, the funds are not in my possession and I consider them missing or stolen by CITIBANK. This has been the case for weeks now and I am asking for the CFPB 's critical and urgent assistance with my 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 explanation
Consumer complaint received 2023-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  

I want these inquiries removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Block, Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My Cash App account was closed on XX/XX/XXXX. I contacted Cash app and they stated that it was closed because of activity that goes against their Terms of Service. I asked them what activity are they talking about and the advocate stated that they didn't have that information but they would file and appeal to another department for me. They asked me what did I use cash app for and I stated that my family and friend send me money to pay bills, buy medicine, make purchases for my household, or anything that I need done. I stated that I'm on XXXX and my family has to help me make ends meet. They stated that I would receive an email in a couple of days from the department. To date I have not received any correspondence from Cash App regarding my account. I have called several times and get the same response that they are working on it but no one can tell me what I did to have my account closed. I have not received an email or phone call from anyone. I am XXXX woman who has health issues and I need the app for my family and friends to help me throughout the month. I need to speak to someone who can help me open back up my cash app account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Chime Financial Inc
State: WI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX Chime banking app closed my account. I am not able to verify the amount left in my account because i am shut out of the appon my phone. I believe the amount in the account is in the neighborhood of XXXX dollars. I have tried reaching customer service but am unable to speak to a live representative. I was told in an email that a check would be sent to me. I am still waiting. I do not want to wait for results forever because i am moving in a few weeks and can really use the money. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I've opened an account with Venmo so I could recieve payment for some baby items I sold to a customer online. Only form of payment she had on her at the time was venmo. So I set up the account and recieved the payment. From the minute I received the payment Venmo has frozen my account even after successfully might I add verifying my identity ( so I know that isn't the problem ) and I've personally wrote them 5 times and spoke to 5 customer service representatives who tell me all the same exact thing. The first two told me the day that if happened to give them up to 1-2 weeks to get back with me about the status of my account and couldn't tell me why it was frozen and when or if they could even unfreeze it! Then 2 and a half weeks later, no response. I wrote 2 more separate CSR 's and was given the same excuse, no explanation, but told that it would be forwarded to an escalation team and keep an eye on my email but it could take up to 2-8 weeks for a response! This is after I should've already recieved a response might I add and haven't. Over a week late on top of that! I just want my money and I want to close the account. It seems that no one actually works at Venmo, atleast not a living breathing human because I have screen shots where I was stuck at the gas station with my XXXX in the back seat out of gas and needing to use my money on Venmo to put gas in my car so we could safely get home and after explaining this to Venmo they still offered no explanation or even a resolution and simply did not give a XXXX XXXX. I personally will never use them again after the blatant disregard for my child and I in Florida in 102 defeee weather out of gas stranded with no way to even access MY MONEY that they have STOLEN from me. No matter what I do or who I speak to I can not transfer, send, or even withdraw money I was sent for payment for something over a month ago!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: EQUIFAX, INC.
State: NC
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 in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, AND XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX XXXX  ( Date Opened XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$6300.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-12-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States 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
Consumer complaint received 2023-12-05
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:
The following reported Public Records/Bankruptcy accounts contain inaccurate and erroneous information. 

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 2022-07-23
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I want the inquiries gone. I have an extensive and well maintained credit history, with plenty of income and I cant get approved for a XXXX thing!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
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: 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 EXPERIAN XXXXXXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX CRED XX/XX/

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