BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person with rights under 15 USC 1681, and I want to file a formal complaint against the consumer reporting agencies for violating my rights under the Fair Credit Reporting Act. Specifically, the following items on my credit report were reported without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These actions violate my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, as well as the following sections of the Fair Credit Reporting Act : 15 U.S.C 1681 section 602 A : right to privacy 15 U.S.C 1681 Section 604 A Section 2 : consumer reporting agencies can not furnish an account without written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section : no consumer reporting agency may make any consumer report containing 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 ) : no person shall 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. 
Additionally, I did not authorize the following companies to access or pull my credit report, and these inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have contacted these companies and they have no proof that I authorized these inquiries or that they were made for a permissible purpose. Therefore, I request that these inquiries be removed immediately. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2023-02-23
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I had a phone call on XX/XX/XXXX by a company claiming they have recovered my funds from a previous scam called XXXX media which I already have a case opened with Law enforcments and with XXXX, The phone caller that scammed me claimed he had recovered my funds and showed me a blockchain link with my recovered funds scammed with phone calls and apparently the scammer knew alot of details about me, and was claiming to help me recover scammed funds on another case in XX/XX/XXXX that I have already, They requested to connect by XXXX  to guide me through to make transactions to avoid money laundering when the funds are sent back to me in full and need to verify transactions so the funds are released back to me, The showed me fake wallets that have funds and they claimed its my funds, and they need to synchronize the world ant-money laundering system to avoid alerts, Please I have been scammed and the transactions are not authorized by myself, I would like to add the recent scammer had a lot of details about me and personally, and that's how they gain your trust because they have details about me, and you believe them,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Three problems : ( 1 ) The company has repeatedly threatened to inform credit agencies of my delinquency. Although this is stated in their policies, ... 

( 2 ) ... They demand more than 50 % of income is paid per month towards my student loan debt. I consistently request with phone calls and in-account secure messages to accomodate my income and adjust my payments to at most 40 % of my income ( I request approximately 400-500 USD per month at maximum and this is roughly that ). I also had requested deferment because of the coronavirus a few months ago in XXXX 2020, but they had rejected my request - even though they have a coronavirus relief program - because I was in delinquency. They consistently give me only short-term solutions for a few months at a time, but the payments then are raised even further because of interest after the short-term help is finished, despite the fact that my income hasn't improved. 

( 3 ) I requested a student deferment and they rejected my application stating that my university isn't accredited. I gave them the webpage profile on the Department of Education website verifying that my university is accredited. And now I must pay back the almost 800 USD in student loan debt per month in addition to my roughly 200 USD per month for my course assessments in my XXXX   program? ( I'm a XXXX. ) It's not that I don't pay anything. I often pay back as much as I am capable every month so I don't starve or can't pay for basic necessities.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I am writing to inform you that XXXX XXXX payment history is inaccurate information on my credit report. I am requesting that you deleted the account 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 non-monetary relief
Consumer complaint received 2017-11-05
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MA
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 XXXX collection date : open XXXX amounts : {$890.00} XXXX date opened : XXXX amount : {$840.00} XXXX XXXX XXXX date opened : XXXX/XXXX/XXXX amount : {$920.00} Certified letter sent to companies to provide viable information with my signature. Companies have declined. 
Certified letter sent to Credit bureau to investigate and they have not done so and left the negative items in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XXXX XXXX advertises a MasterCard through Bank of America that can  supposedly be used to instantly buy tickets. 

On Sunday, XX/XX/2018, I had a family emergency and needed to travel right away. My brother decided we were flying down on XXXX. I didnt have the funds on hand to fly, so I applied for the XXXX MasterCard through their website. Their website advertised that the card could be used instantly upon approval. I was redirected to the Bank of America site ( or maybe some hybrid of the two affiliates - it was tough to tell when I was with which company ). I was instantly approved for a {$4000.00} limit, but Bank of America didnt redirect me back to the XXXX website. XXXX, in turn refused to take their branded card as payment, claiming that I needed a he CVV code. I called Bank of America who assured me that XXXX could run the card without the CVV. XXXX refused. Now, Im stuck with a card that cant be used. XXXX  has refused to do anything for advertising a card that could supposedly be used immediately and then refusing to do so. 

I spent much of the morning of Monday the XXXX on the phone with XXXX   and went through three levels of agent - a line agent, a supervisor and a manager. I was then told that they could go no higher without emailing their corporate offices, leaving me no relief, since I had to travel that day.

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 monetary relief
Consumer complaint received 2023-07-06
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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Navient Solutions, LLC.
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 was a victim of identity theft back in 2014 where my social security number was compromised and resulted in someone falsifying my tax reporting. I have been battling multiple accounts and items that I have had no knowledge of or relationship to speak to the debt accumulated. This is hurdling me in many areas of my life, and I have tried multiply times to dispute these claims, but no resolution has been made that will allow me to move forward with my life from this point forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: MoneyLion Inc.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had realized I had several unauthorized charges on my account from XXXX play. I immediately notified moneylion/roar money as specified per the terms of the account. I was given a provisional credit for all of the charges for the charges. A couple of weeks later I check my account and realized, the provisional credit they had given, was reversed and deducted from my account. This is the second time that the company has done this. I have just recently learned that I was suppose to have been notified of the findings and given an opportunity to request documents used to make their decision. I have not received any notice or any insight as to their findings. The first time this happened I though it was a problem with my email, until I had them send me an email while on the phone, and that went through. I have checked all online areas within account and have zero notices or documents available pertaining to either decisions. I was never notified that the account would be deducted said amounts of the charges either. I have reached out and asked and it's walking in circles and all I get told is that their decision is final. In the previous attempt, I was told they would send the information again, I still never recieved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Background - I refinanced my home loan and paid off debt with the equity. One of those debtors was a regions credit card ( {$7900.00} ). XXXX XXXX pre-printed the checks they inadvertently wrote regions ' check for {$7900.00} which was XXXX XXXX cents short. 
On XXXX XX/XX/XXXX I made a pre-written check payment ( through XXXX XXXX ) to my delinquent credit card account. I made the payment at the drive-thru window at my local Regions bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TN XXXX ). I did not follow-up until today ( XXXX XX/XX/XXXX ) as I assumed if there were issues I would have been notified. There was no notification neither from XXXXXXXX XXXX  nor Regions. 
On XXXX XX/XX/XXXX I called the " charge-off '' department of regions to inquire about the delinquent account. I was anxious and upset. I informed the regions representative as such. I maintained my composure however, the moment I stated my frustration seemed to trigger, from then on, a very negative condescending and authoritarian attitude. The bottom line was the payment was {$.00} short. 
This is the issue. Regions took my money from XXXX XXXX and deposited it. Where it was deposited I do not know, it was not applied to my delinquent account ( per account statements as of this date XXXX ). It was not returned as insufficient payment, I have receipts for the processed check and the teller deposit, dated & timed. The account shows {$7900.00} delinquent. That means they most assuredly made interest from that money. After three months of holding my money they should credit the XXXX  cents and write me a check for the balance of the interest from {$7900.00} for three months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 am submitting this CFPB complaint to you today to request to you to correct my Credit File from erroneous reporting. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts : XXXX  XXXX XXXX Balance Owed : {$490.00} XXXX XXXX Balance Owed : {$130.00}

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 non-monetary relief
Consumer complaint received 2023-09-01
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Significant fees were charged on a number of different dates while account was low. I had money in one of the other accounts I have with the bank and I'm usually given a short grace period to transfer funds. Not on this occasion. When I spoke to the rep on XX/XX/30, she said that i had funded the account within the grace period, but another ACH hit the account so that makes the account eligible for all the previous fees. I asked why that wouldn't restart the grace period clock for the ACH and she replied that it would. I challenged her on the circle talk and she got defensive.

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 2023-02-24
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:
I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-24
Company: EQUIFAX, 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 OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} ; XXXX XXXX XXXX XXXX XXXX  {$1100.00} ; XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX  {$0.00} ; XXXX XXXX XXXX XXXX  {$3200.00} ; XXXX  XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX XXXX : {$270.00} ; XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXXXXXX 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 2021-12-15
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
US Auto Sales not only altered my loan and what I paid for a few months was completely gone when my payments was altered. They sent my loan over to Westlake Portolio and when doing so it altered my loan again. Its like I never paid anything once again, my actual loan contract has been altered by Westlake as well. My GAP coverage doesnt exist. US Auto had me paying for insurance when I was already paying for insurance myself. Ive only missed two payments which I called ahead of time to let them know I was not going to be able to due to XXXX even offered to provide documentation from the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: ECMC GROUP, INC.
State: MA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ok education credit management corporation XXXX XXXX XXXX XXXX XXXX   XXXX. XXXX MN XXXX. Are Harassing me and writing letters to my former attorney about a debt I Dont owe or know anything about ... First of all I want them to stop calling me and trying to trick me for information. They threatened me so gave them my attorneys name I am address they are writing him for a debt I dont owe ... In a unrelated matter hes a criminal defense lawyer. And has know knowledge of this debt they claim I'm owe ... They a embarrassing me ... because my former lawyer has nothing to do with this debt. More especially me. They have the wrong guy.. I am Disputing this debt so stop all collection action for 30 days until this matter is resolved. According to the fair debt credit reporting act you must stop all attempts to collect on this false debt.

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 2023-02-24
Company: EQUIFAX, 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, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance {$150.00} XXXX XXXX XXXX Balance : {$720.00} XXXX & XXXX XXXX XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$4700.00} XXXX  XXXX XXXX Opened XXXX XXXX, XXXX Balance {$260.00} XXXX XXXX XXXXXXXX XXXX  Balance : {$240.00} XXXX, XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Balance {$720.00} XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Balance {$150.00} XXXX XXXX  XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$180.00} XXXX XXXX XXXX XXXX Balance : {$240.00} 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