BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-18
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 2022-05-31
Company: BETHPAGE FEDERAL CREDIT UNION
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
At the start of the pandemic, end of XXXX of XXXX, I called the leasing company to make a payment for XXXX of XXXX and was told by an agent who took my payment over the phone ( at their company ) that my leasing company that due to the pandemic, they would defer my payments for 4-6 months. I went through a series of questions and was told it was being recorded to which I agreed to everything and at the end of the phone call was told nothing else needed to be done on my end and to stay safe. 

Come XX/XX/XXXX, I was speaking with a friend at his place of business and there was a gentleman outside who hooked up my car and told me it was being repossessed for non payment. He gave me a number which led to about 5 other numbers and calls to get in contact with someone. 
After wondering why my car was being taken away, I was told me there was no documentation on the deferment and said they would give me the car back only if I paid {$47000.00} something the remainder of the car. Which made no sense because it was a lease. 
I asked to speak to a supervisor and within two days someone called and told me that I had to pay the full balance on the car. I was never late EVER until COVID. 

I actually offered to pay the 4 months I was behind and another 2 months forward. They declined and told me that they would accept the {$47000.00} plus payment to release the car. When I asked why I was never called about any matters to being denied of this deferment and was informed they were calling my ex husband, my mother and my daughter 's cell phones to which NONE of those numbers were listed on my account when I signed up for the lease! 

On XX/XX/XXXX, at XXXX, a woman named XXXX XXXX XXXX and asked me what happened ONLY after I replied to an email ad I received from Bethpage Financial. I told her the whole story to which she told me the way the situation was handled was incorrect and she would look into it. 

She never got back to me and neither did anyone at BethPage. But they posted a repossessed on my credit which I had worked tirelessly after my divorce to improve and NEVER was late on any payments. 

COVID was and still is a financial disaster. So many hard working people are penalized and have lost everything they own to this pandemic. I tried to make a deal with them and keep my car which I loved so much. To no avail, only to be penalized and had my car taken from 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 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off my credit report.

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 2023-10-02
Company: Experian Information Solutions Inc.
State: OK
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:
unauthorized credit inquiry

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 2023-03-18
Company: Experian Information Solutions Inc.
State: AR
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:
This is XXXX XXXX and I am submitting this CFPB Complaint once again to remove the fraudulent items off of my Credit File. My credit report appears to have been corrupted. I was looking over my records once more when I discovered a lot of information, accounts, or other things that did not belong to me. Due to my meticulous study, I discovered that you are required by law to erase and block any accounts or information that are determined to have been opened as a result of identity theft under section 605b of the FCRA. I do not own the objects in dispute. I've attached the necessary FTC Report for your records and the bank 's. Please get rid of the following things as soon as you can : 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. I will need all paperwork bearing my signature if you think there's a chance these accounts might be mine. Please be aware that I will take legal action if you don't offer any records while saying the item is verified. Both my attorney and I do not enjoy gaming. Thus, abide with the law so that this situation can be resolved quickly.

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 2022-07-12
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:
The credit bureaus are reporting an alleged debt on my credit from the department of education. I have reached out to XXXX after disputing with the credit bureaus to ask them to remove it and they " verified '' it. However, they did not " verify '' it as XXXX contacted me via mail and they have removed the debt collection as it was unable to be verified as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: Resurgent Capital Services L.P.
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: Information belongs to someone else

Complaint:
Have been in the military XXXX XXXX and when i came home i went to pull my credit report and saw several fraudulent accounts in my name that i did not open. i am requesting to Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file i am enclosing ftc report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There is no timeframe mentioned on when a Deposit on Demand Account may be closed with a XXXX balance. Consumers should be informed that have to keep at least a balance ( whether it is {$0.00} or more ) before restricting services. Without this expressed in writing, I emptied my bank account on XX/XX/XXXX. My next direct deposit would XX/XX/XXXX. My account statement cycle ends on the XXXX business day of every month. 

On XX/XX/XXXX, I sent a payment of {$27.00} through XXXX to another account from my personal Regions Bank checking account. After I sent the XXXX payment, my account balance was XXXX. My direct deposit was not expected to be delivered into this account until XX/XX/XXXX. I have this account established solely in my name and the account is over 5 years. I was told on XX/XX/XXXX that XXXX account was not in an open status. 

XXXX, a personal banker from Regions XXXX by phone, said my account could not receive a XXXX payment of {$25.00} on XX/XX/XXXX. XXXX said my account status requires me to go into a Regions bank location or use my debit card at a ATM to deposit because I left my account at a XXXX balance. 

I asked XXXX to send me a copy of the deposit account agreement. She said she could not because Regions does not do that my phone. She transferred me to another personal banker named XXXX to further assist me. XXXX confirmed that Regions could not mail the Deposit Account Agreement by phone request. After looking at my online banking, I finally obtained the current copy of the Deposit Account Agreement. In it's 78 pages revised as of XX/XX/XXXX, no where in the agreement does it state Regions reserves the authority to " soft close '' my account because I emptied my funds.

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 2018-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
booked a car rental with XXXX from XXXX to XXXX ( in XXXX florida ). 

the amount is XXXX . 
they booked my reservation with a company called XXXX  XXXX. 
when i went to pickup my car in XXXX XXXX this happened - the person first took all the details, like the voucher number from XXXX, my card. LICENSE number etc. was rude from starting when i came in, asked me to purshase tolls first, i said, i am here visiting family. i know the routs. don't need tolls, then asked for insurance, i said i have my insurance with XXXX which covers everything and also have secondary insurance with visa card which i ought my order which covers secondary insurance, he straight away cancelled my order and gave my cards back ( cc and license ), i asked him to check my insurance if he wasnt sure. he said i already cancelled your order. take the money from the online company which you booked, as you did not book it with me i am not giving you anything. 

My view - the person was pre determined to cancel my order as i see here as he said i did not book it with him directly, even the XXXX reviews say the same, as i checked it afterwards, ok so after this, i did not pick up the car and no service has been given, therefore, i contacted XXXX  for the same saying that i did not receive the service which was booked and need a refund as i did not get any service, XXXX has no response yet on the same, they still say we are looking into it. 


then i call my bank ( visa bofa card ) and say i was charged for the service which i did not get and did not even use it. bank closes my claim saying that there is no billing error and not paid me the money back again. 

called and explained the same to customer service of claims dept. they say there is no billing error and they stand by the denial of the claim. 

NOW I DID NOT GET ANY SERVICE, ALREADY TAKEN THE MONEY FROM ME, I WAS MISS TREATED AND RUDE BEHAVIOR TOWARDS ME. WASTING MY TIME ALL THESE DAYS AND ALSO THE BANK DENIED MY DISPUTE CHARGE AS WELL. NO SERVICE AND ALSO MY MONEY LOST, I THINK THIS IS INJUSTICE AND NOT FAIR. 

PLEASE HELP ME IN THIS.

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 2023-10-02
Company: Experian Information Solutions Inc.
State: NY
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:
They made the minor corrections such as phone numbers a employers but not the serious XXXX loan that was not mine. Repeated emails from them are now soliciting sales of services and they continue to ignore the XXXX matter. Yet the email headings imply they have taken action only to discover a sales pitch

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 2022-11-01
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This complaint is against Chime Bank and their Deceased member review department. 
My son, XXXX XXXX, passed away on XX/XX/XXXX and I am the executor to his estate. He did not have a will but I am his mother, XXXX XXXX. His wife, XXXX XXXX is also executor. She and I have both attempted to retrieve the {$4000.00} or possibly more remaining in his account. We began this process on XX/XX/XXXX. XXXX contacted Chime via phone and they told her they could not release the funds until the funeral expenses have been paid. I know a little about banking because I worked for one in the past and I know that they can not legally withhold funds due to an unpaid expense owed by the decedents estate. 

Because his death was very traumatizing, it has taken some time to get in touch with Chime again. Therefore, I began requesting these funds be transferred to my chime account asap as he left behind XXXX boys for his wife and I to raise. I began this process on XX/XX/XXXX. Each time I inquired, it was expected that I send copies of some personal documents to them to prove his death and my relationship to him. Because my ID is expired, they requested copies of my birth certificate and social security card along with his death certificate. They did not indicate a format to send them in so I used XXXX. They responded that was the wrong format and to resend the documents so I did in a different format. This went on sone and is still an issue. Finally I was asked to provide photos as that is tge only acceptable document. So I took pictures and attached them to the email. A response was that tge photos needed to show each document edge to edge with nothing g else showing in the photo. So I did that ( which was very difficult ) by cropping the picture and they look perfect to me. Since I did that on XX/XX/XXXX, I have no longer gotten any responses and have inquired several times for a status. Today, XX/XX/XXXX, I resubmitted the photos and requested a status. 

They also closed XXXX  account without executor permission. 

I have screenshots of all the emails if needed. 

Please assist me in resolving this issue in any way you can. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX I reached out to XXXX, Equifax, and XXXX and talked to XXXX at XXXX, XXXX at Equifax, and XXXX at XXXX. They all told me to submit this report with a copy of my ID, Social, and Bank Statement proving my identity and my current address. The accounts that they are reporting are showing inaccuracies and inconsistencies and they are obviously reporting this illegally. Please help me delete these from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: General Motors Financial Company, 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: Investigation took more than 30 days

Complaint:
i had a car loan with americredit/gmfinancial i never had a late payment the account was in good standing and i noticed the account is no longer being reported on my credit report causing my credit score to plummet downwards ive sent reinsertion letters to the credit bureaus and nothing has been done to date AMERICREDIT/GM FINANCIAL Account Name AMERICREDIT/GM FINANCIAL Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed/Never late. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$20000.00} Highest Balance {$0.00} Terms 60 Months

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have submitted on several occasions the XXXX paperwork to the loan holder Navient, for the XXXX XXXX XXXX XXXX Discharge Deferment due to being on XXXX, and that being my only source of income in the last almost 4 years, that has to support myself and XXXX minor children. 

Navient told me over the phone numerous times, even emailed me what to send them, and I promptly sent them several times everything that they asked for along with the XXXX paperwork. However they are the only company which refuses to relinquish my loan, or explain why, when all other student loans have been removed due to the XXXX paperwork. 

They call me to the point of harassment, and well past business hours to the point I am getting calls after XXXX at night, and even over 20 plus calls a day ever during the time that the President had placed a hold on all student payments. This is becoming more than harassment at this point with them. 

I am hoping that you are able to help point me in a more successful direction, resulting in at the very least gaining the knowledge as to why they refuse to honor the XXXX paperwork that they told me to send them. 

Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: GA
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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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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 2022-11-01
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX I reached out to XXXX, XXXX, and Experian and talked to XXXX at XXXX, XXXX at XXXX, and XXXX at Experian. They all told me to submit this report with a copy of my ID, Social, and Bank Statement proving my identity and my current address. The accounts that they are reporting are showing inaccuracies and inconsistencies and they are obviously reporting this illegally. Please help me delete these from my Credit Report.

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 2021-10-23
Company: Bread Financial Holdings, Inc.
State: GA
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:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report :

Company response to consumer: Closed with explanation