BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
On XX/XX/2020 I received two letters from Bank of America stating that the disputed amounts of {$290.00} and {$390.00} were temporarily credited to my credit card. Before that, I called the bank to notify them that I tried to enroll in a sort of Trading Course which was supposed to be a free trial for 30 days provided by XXXX XXXX XXXX, however, I have noticed charges I have not authorized and immediately tried to reach them by calling, email them and, even on their XXXX account but I have no luck neither they reached or replied back to me. Then, my account was closed, and suddenly I see the charges again, tried to get in touch with the bank but never was got in contact with the department or unit responsible for the dispute. Lately I check my credit report and noticed I was flagged as delinquent for 30 days of no payments.

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 2023-04-28
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Dear Sir/Madam, I am writing to file a grievance regarding the handling of my Bank of the West credit card account. On or around XX/XX/XXXX, I made a payment of $ XXXX towards my credit card balance at the XXXX location. However, despite my payment, the teller did not properly apply the payment towards my balance. 

Upon discovering this issue, I immediately contacted Bank of the West to rectify the situation. However, I was met with repeated runarounds, both in person and over the phone, which resulted in my credit being compromised for the following six months. 

It was only after I reached out to corporate with images of the receipt and the names of the tellers involved that the issue was finally resolved. 

I am extremely disappointed with the level of service I received in this situation. As a customer, I trusted Bank of the West to handle my account with care and attention to detail. However, due to the negligence of the teller and the inefficiencies of the customer service team, yet again I had another issue this last year in XXXX of In XXXX, I lost my card and requested an itemized list of my purchases and a replacement card. However, despite repeated attempts to communicate with Bank of the West, my requests were ignored. 

I informed Bank of the West that I was willing to pay for any purchases made on my card once I was able to review an itemized list of my transactions. However, without warning or explanation, Bank of the West closed my secured credit card account and withheld my down payment of {$1000.00} that I had made in XXXX. 

As a result of Bank of the West 's negligence, my credit score has plummeted from XXXX to XXXX. I have been having a difficult time obtaining financing for essential purchases, such as a vehicle, due to this significant drop in my credit score. 

I appreciate your attention to this matter and look forward to resolving this issue as soon as possible. 

Sincerely, XXXX XXXX XXXX XXXX. I have attached other customer reports on how they have had similar experience with their banking.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: EQUIFAX, INC.
State: FL
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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: FL
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:
My name is 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 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 2023-01-23
Company: Experian Information Solutions Inc.
State: AZ
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 unverified items indicated below continue to report on my credit report despite numerous written requests, which is against federal law. The validation of these items shall be in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you don't verify these claims, I'll file a lawsuit against you. So that this situation can be rectified as soon as possible, kindly abide by the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
he accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX  XXXX Account Number XXXX XXXX  XXXX  Account Number XXXX XXXX XXXX - FCRA Violation XXXX Multiple fcra violations XXXX XXXX  XXXX XXXX, XXXX Employer ( s ) XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX, TX, 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 2023-11-22
Company: Chime Financial Inc
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
XXXX created an account in my name and sent me a direct deposit form. I never opened an account with them. They had my real name and email address. The last XXXX digits of the phone number that was used to open the account is not mine and the address is in the same state as me but address is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
American Express Gift cards are useless, as they are scarcely acceptable to use for online purchase or for gas or at a restaurant.

I have three ( 3 ) separate Amex Gift Cards sealed and unused, that I just received from an employer. Each are purported to be valued at {$50.00} USD. 

Just minutes ago I opened and attempted to use for an online purchase. All three ( 3 ) cards were declined.

I attempted to register cards via https : //balance.amexgiftcard.com/ # / and all three ( 3 ) cards were declined.

I called the 1-888 number on the back of the Amex cards and discovered that one ( 1 ) card only contains TWENTY CENTS VALUE on a {$50.00} card. This card was never used. How is this possible? 

The other XXXX ( XXXX ) cards contain FIFTY DOLLARS VALUE each. However, I am unable to make any purchase online with these gift cards. 

XXXX XXXX : XXXX. XXXX XXXX XXXX XX/XX/30 XXXX XXXX. XXXX XXXX XXXX XX/XX/30 XXXX XXXX. XXXX XXXX XXXX XX/XX/30 XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-07
Company: Square Inc
State: FL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My husband purchased a gift card through Square for our children. Our children can not access the funds. We tried to contact Square to fix the problem but we can't reach any department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Maximus Education, LLC dba Aidvantage
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XX/XX/XXXX, I paid {$2700.00} to one of my loans through Aidvantage. I had recieved a scholarship and wanted to get ahead on repayment. I made the mistake of allocating the funds to the wrong loan, a subsidized one instead of unsubsidized. There is no option to cancel the payment, redirect the payment, anything. Ive spent XXXX hours on hold so far. I just want to pay the right loan. Im still in college and I just want to be smart.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
This is my Final Notice to Experian on incorrect Names spelling and addresses. 

My Name is XXXX XXXX XXXX and I have attached proof. Any other variations must be removed. 

My addresses for last 20 years has been the same. XXXX XXXX XXXX XXXX PA XXXX. 
proof is attached. 

All other addresses must be removed.

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 2022-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a call from Capital one that a person tried to open a credit card in my name at at XXXX 's in XXXX NY and was denied. I live in DE and never applied for a credit card at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Westlake Services, LLC
State: SC
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:
15 U.S.C 1681 section 602 A states that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states that 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 explanation
Consumer complaint received 2023-08-01
Company: Experian Information Solutions Inc.
State: NC
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:
In accordance with the FCA Fair Credit Reporting Act XXXX XXXX  ( XX/XX/2023 ), XXXXXXXX XXXX ( XX/XX/2023 ), XXXX ( XXXX ), has violated my rights. 
15 U.S.C 1681 section 602 states I have the right to

privacy. 15 U.S.C 1681 section 604A section 2 also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: PA
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:
Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: World Omni Financial Corp.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I was told I had to buy all the packages with the car loan and I was told I was getring a 4 % interest and at signing it was at 8 % but I immediately told him I was not paying 8 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-10-11
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX  card please remove very misleading and deceptive, I want this removed not mine, I dont appreciate this bank being deceptive to there customers and when talking with them or trying To understand any information its like dealing with a scammer and I want this off my credit report its a credit card called reflex from XXXX  XXXX  last four of that card number is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My student loan has been paid in full, but the Texas Higher Education Coordinating board failed to report the debt as paid in full with a {$0.00} balance in violation of the FCRA. This has negatively impacted my credit score, access to credit, and rate provided on new credit accounts. They need to correct my credit report AND provide monetary remediation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Nelnet, Inc.
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Applied to lower payments with Nelnet on XX/XX/XXXX  & XX/XX/XXXX I received an email after both applications that they were being processed. I am received past due notices, however can not afford the plan Im in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I pulled my credit reports recently. I found that LVNV funding was listing collections with three credit bureaus. I have not received any documentation or phone communication from this company regarding a balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: Conduent Incorporated
State: OK
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:
Again yet another lie and theft from this company and yet they are allowed to do what they want. There was no credit posted to the account on XX/XX/2020 for them to take away, so they just took money that wasn't there.

" Today the provisional credit in the amount of {$1400.00} which was issued on XX/XX/2020 was reversed from your card. '' THERE WAS NO PROVISIONAL CREDIT ISSUED TO MY CARD ON XX/XX/2020!!! I uploaded the statement and the letter from them and took their advice finally, I contacted the police and filed a theft complaint, against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: World Acceptance Corporation
State: IL
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:
World Finance is a third party debt collector that is reporting negatively on my credit file since XX/XX/2019. I have never done business with this company and this negative mark is harming my reputation. I asked the company to validate this debt pursuant to 15 USC 1692g, sent an affidavit of truth and have not received any reply or correspondence. This company has committed identity theft against me. You shall delete this negative mark off my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: EQUIFAX, 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 demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
this account does not belong to me, i have never been at this hospital, this company has harm my credit report, and score for false information about me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: T.S. Holdings
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IQ DATA INTERNATIONAL placed a collection report on my credit for debt that I do no owe. I have documentation cleary showing that I did not live here when the debt was owed. Ive contacted leasing office and confirmed the debt does not belong to me.

Company response to consumer: Closed with explanation