BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-19
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now. 
nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
My cousin was given a paper work not hiding information or in a envelope. Just a paper displaying all information and he was told I am being sued by Crown Asset Management. Important paperwork like this kind should be at least in a envelope not out for everyone to see my information. 

From my understanding if I am being sued the paperwork should have been given to me personally not someone else other than me. Especially if I was not at the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Westlake financial services were notified XX/XX/XXXX of a XXXX XXXX  involving the vehicle that was on the loan. I the driver was not at fault so I had to wait for the other insurance company to inspect the vehicle. Westlake repossessed the car while it was totaled to XXXX without telling me or the insurance then when I asked they said they are the lien holder they can take the car whenever they want. Months go by the car gets paid off with no late payments but their still asking the repossession fee and when they get the repossession fee they report on my credit that I was late on payments in XXXX when the car was paid off in XXXX. Also received a letter from the dmv stating that my license is gon na be suspended for a car thats already been paid off and I dont have the tag or license plate because westlake took the car

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have called through put the years regarding to overdraft fees being accessed on my accounts hight XXXX on my Wells Fargo credit cards no reductions and I Hvae been a member well over 13 years with them.

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 2023-06-05
Company: CITIBANK, N.A.
State: CO
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:
I was supposed to receive a new account bonus of XXXX miles but did not receive it. Representative would not review transactions with 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 non-monetary relief
Consumer complaint received 2023-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
For the past two years, I've been in a constant battle with identity theft. When I applied for the XXXX unemployment, I figured I didn't qualify because I never received anything in the mail and for some reason my XXXX sign in wasn't working. 

I really didn't pay it no mind until I read an article about how XXXX XXXX was still paying out people who didn't receive their XXXX  during covid-19 and that it was possible that some people could qualify. I went to sign into my account and it was still locked out. Luckily I knew some of the questions that only I could remember but I had a hard time figuring those out as well. After the third try, I finally was given access to my account. The first thing I did was a change of address since I moved. When I started looking through my profile I was able to see claims of which I didn't file. I never received a debit card. Funds were being issued during the pua/ covid-19 season and I was having a hard time finding a job and could have used those funds to get by. 
I reached out to Bank Of America XXXX  in late XXXX and told them that I never received any XXXX payments because i never got a statement or a debit card for that matter. I made XXXX claim disputes XXXX claim # XXXX in the amount of {$3100.00} XXXX claim # XXXX in the amount of {$11000.00} XXXX claim # XXXX in the amount of {$590.00} XXXX claim # XXXX in the amount of XXXX I received letters from Bank of America on XX/XX/2022 denying all my claim disputes. 
How is that if I never got a debit card to begin with? I asked for Bank of America to send me their reason and proof for their decision. I haven't received nothing yet. 
It's clear that I was a victim of a nation wide scam and for some reason BofA makes people feel like they are at fault or the criminal. That's not fair to the consumers who have been targeted and taken advantage of. BofA has a XXXX liability policy for debit card users. Well I never received a debit card until 2 weeks ago and I'm still being punished. I just want what is owed to my daughter and It's with me being a Widowed parent.

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 2023-09-10
Company: EQUIFAX, INC.
State: CA
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:
Sent dispute letters on 3 separate occasions. The first two disputes went unanswered ( sent in XXXX and XXXX ), which prompted me to send certified mail for the third and final request for removal on XX/XX/XXXX. Here is the cert mail confirmation number : # XXXX. It was delivered on XX/XX/XXXX. Explanation of item being disputed : - The report shows I currently owe {$150000.00} as of XX/XX/XXXX. 

This debt is not derived from credit and is in violation of the FCRA - FACT ACT ( XXXX ).- Under Court Case - 15 U.S Code SS1681 - XXXX XXXX XXXX XXXX, XXXX, Equifax this account is in violation and therefore needs to be completely removed. 

Equifax did not remove the account nor properly investigated this account. Because of this, they are reporting incorrection information which is a violation of the law. I am being deprived and robbed of opportunities because of this inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I USED TO HAVE XXXX BANK OF AMERICA ACCOUNTS, SAVINGS AND CHECKING, AT BANK OF AMERICAXXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX FOUND MY BALANCES IN CHECKING ACCOUNT GOING DOWN, WHEN I CALLED CUSTOMER SERVICE.SO I WENT TO THE BRANCH.THE CLERK PRINTED OUT THE STATEMENT.IT SHOWED UNAUTHORIZED CHARGES DEBITS TO MY CHECKING ASCCOUNT BY XXXX NEVER HAD XXXX ACCOUNT WITH XXXX NEVER PURCHASED ONLINE, XX/XX/XXXX XXXX XXXX XXXX XXXX {$14.00} ; XX/XX/XXXX XXXX XXXX XXXX XXXX {$14.00} ; XX/XX/XXXX XXXX XXXX XXXX XXXX {$14.00} ; XX/XX/XXXX XXXX XXXX XXXX XXXX {$14.00} ; XX/XX/XXXX XXXX XXXX XXXX XXXX {$14.00} ; XX/XX/XXXX PURCHASE XXXX XXXX {$14.00} XXXX $ XXXX FILED COMPLAINT WITH FRAUD DEPT.TO INVESTIGATE HOW SOME ONE IN XXXX GOT HOLD OF MY CHECKING ACCOUNT NUMBER AT BANK OF AMERICA.THEY DID NOTHING.THE BANK OF AMERICA SHOULD BE PENALIZED AND MADE TO COMPENSATE ME FOR THIS INCONVENIENCE.OBVIOUSLY, A CRIME HAS BEEN COMMITTED.PERHAPS AN EMPLOYEE IN BANK OF AMERICA PASSED ON MY ACCOUNT NUMBER TO SOME ONXXXX AT XXXXOR SOME ONE AT XXXX MANAGED TO HACK INTO THE BANK OF AMERICA COMPUTER SYSTEM 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 2022-06-19
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.

nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: RENASANT CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Ive called my bank at Renasant at several different locations trying to get help with overdraft fees. Im a single mom and told them I started a new job with the XXXX XXXX and I had no money to put in my account until I get my first paycheck. I got a letter from the big glass Renasant bank in XXXX, XXXX saying if I need help to call. I called Thursday to tell them if they could help with a couple it would help. She put me on hold and said unfortunately at this time we cant help, I dont receive my first paycheck until the XXXX of this month. I have occurred XXXX or more in overdraft fees due to insufficient funds in a couple months. Its every other time I check my account Ive been hit with another {$36.00} fee. Those add up to a lot of money. I will be lucky if I get to spend any of my check to buy food and gas to survive on due to all the fees. I was charged two to three overdraft fees in the same day as well.

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 2022-06-19
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I received a letter around XXXX XXXX informing me that a transaction through western union of XXXX was never received so I followed all rules by sending a copy of id and the bottom part of letter filled out by a deadline which Im positive I made the timeframe but they never sent my funds back As mentioned Ive emailed they dont respond Ive called and they say nothing is found and no knowledge on the letter I received from them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
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:
Inquiry details XXXXN XX/XX/XXXX CITIZENS BANK XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: Netspend Corporation
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
It's been months now and netspend won't unlock my account. They had no reason to do so. This is like the 5th or 6th time they have done this. I did not report my card stolen or did I put in any wrong passwords or was there any unauthorized purchases to my knowledge. I'm tired of this and want it unlocked immediately.

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 2022-09-03
Company: Experian Information Solutions 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:
I have been having issues with this and the improper reporting of this account. This has caused a great amount of hardship on me because I have been ignored and if they would just do the investigation they would realize this to be the case. 

In accordance with the Fair Credit Reporting Act everything must be accurate and under 15 US Code 1681 this account is in violation because its not being reported accurately. 

I even have sent multiple verification requests to the company and have not received the items I asked for. 

I as the consumer would like to know all the steps the agency took to insure these items were 100 % accurate along with the method of verification. Thanks

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 2023-06-13
Company: PNC Bank N.A.
State: FL
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:
Yes I made a purchase but I immediate contacted the merchant and cancelled it they sent it anyway after I refused it it was rerouted back to me again then I contacted the company to get a return label they refused its XXXX XXXX I then filed a dispute over three weeks ago with pnc dispute Dept they assured me not to worry to credit my account and not a single credit email or is mail has been sent to me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 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 items that do not belong to me or were opened without my permission. 

XXXX XXXX CT XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC 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 non-monetary relief
Consumer complaint received 2022-06-19
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX Account # XXXX No investigation by the credit bureaus was done as I filed a complaint against them for this issue and they keep ignoring or pulling stall tactics and parroting what the data furnisher is responding back with the automatic response system E-Oscar the bureaus failed me multiple times and here is the proof once again they are NOT investigating anything, I never received any information on how they did the independent investigation in their own words on this compliant filed on XX/XX/2022 XXXX they said and you can go read it that this was verified as accurate the date last active is wrong on both bureaus and this is a violation of re-aging and neither one is correct who is correct? Experian or XXXX and a violation for changing the balance by law this is not allowed and now must be removed immediately attached 2 prior consumer reports proving the violations and inaccuracy and a snippet of them saying this was verified as accurate, please tell me how this is even close to being accurate and was verified.

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 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have disputed the below account multiple times because I have no knowledge of it. I have asked for correspondences to be mailed that proves this account belongs to me to no avail. Transunion refuses to provide me with evidence from the furnisher that proves I have an open account with this company. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2019-11-25
Company: EQUIFAX, INC.
State: NY
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 have been disputing this account listed with XXXX XXXX for well over a year. During this time XXXX XXXX has been reporting a monthly charge off and a balance owed to them of {$450.00} when they have sold the account to a collection agency, XXXX XXXX Solutions. There should not be a balance on an account that has been sold to collection agency. The account balance should be {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
i would like for them to stop billing me XXXX for experience please to my 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 2023-02-08
Company: DISCOVER BANK
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: Account status incorrect

Complaint:
My information was part of the data breach, and since then Ive been an victim of true identity fraud. I have unknown credit cards on my credit report from XXXX XXXX XXXX XXXX, discover credit card

Company response to consumer: Closed with non-monetary relief