BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
As of XX/XX/2022 The Credit bureaus stated Account Name XXXX XXXX XXXX & Account # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these agencies written permission to furnish these accounts on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Hi I am XXXX XXXX submitting this without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX XX/XX/2021 {$1600.00} XXXX XX/XX/2021 15 USC 1681 Section 602 A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-06-09
Company: EQUIFAX, INC.
State: NC
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: NAVY FEDERAL CREDIT UNION
State: CA
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:
Over the past six months I have experienced a series of transaction reversals initiated by my bank which have had a profoundly negative impact on my financial stability. These reversals have affected my ability to meet essential financial obligations, specific financial obligations such as rent/mortgage payments, utility bills, etc. and have caused immense stress and inconvenience in my life.

I understand that transaction reversals may be necessary in cases of fraud or unauthorized transactions, and I appreciate the banks commitment to protecting its customers. However, in my situation, these reversals should not be happening because the company didnt have permission to charge my card. The company forged my signature on documentation. I have provided all documentation requested by my bank including a police report. I trusted this bank to protect my money instead they are making it easy for me to be a victim of fraud without securing my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: RI
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 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 explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Students who live with their parents do not have credit history, the parents pay all the bills. 

EXPERIAN Identity Verification Pass if you have Credit History or Fail if you do not have Credit Score?? 

EXPERIAN DISCRIMINATION TACTICS WILL BE REPORTED to Federal Trade Commission and The Consumer Financial Protection Bureau Experian ways of doing business is shameful and greed driven. 

Experian sells credit reports. 

A person with a clean background and clean criminal history does not make much money to Experian as credit history andcreditscores isn't it? 

All lenders, Banks, credit cards, loaning companies, etc pay Experian good money for credit scoresandcredit history isn't it? 

So if a person does not have a credit history Experian does notmakemoney isn't it? 

When Experian processes Identification Verification services for employment and Experian see you do not have a credit history, they fail your report to force you to get credit cardsandgetdebts. 

In other words, this intentionally manipulating reports to fail people and force them to get credit cards, loans etc to be profitable in thenearfuture. 

CLASS ACTION LAWSUIT > MORE THAN XXXX XXXX AMERICANS DO NOT HAVE CREDIT HISTORY, EXPERIAN SYSTEM IS ALREADY DISCRIMINATING AGAINST THEM. 

THIS IS PURE GREED, EVIL, VICIOUS SCHEME WITH PURE INTENTIONS TO HARM PEOPLE AND MAKE THEM PROFITABLE. 

THIS IS PURE DISCRIMINATING TACTICS WITH ONLY XXXX INTENTION, GREED AND PROFITS!!! 

ACCORDING TO US CITIZENSHIP AND IMMIGRATION SERVICES AND THE XXXX XXXX XXXX, THE LIST OF ACCEPTABLE DOCUMENTS FOR IDENTITY VERIFICATION ARE : LIST A Documents that Establish Both Identity and Employment Authorization 1. U.S. Passport or U.S. Passport Card LIST B.- Documents that Establish Identity 1. Driver 's license or ID card issued by a State or outlying possession of the United States provided it contains a photograph or information such as name, date of birth, gender, height, eye color, and address. 

LIST C.- SOCIAL SECURITY CARD WITH A VALID SOCIAL SECURITY # ACCORDING TO THE UNITED STATES GOVERNMENT THESE DOCUMENTS ARE MORE THAN ENOUGH TO PROVE WORK AUTHORIZATION AND IDENTITY.

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 2017-02-16
Company: Seterus, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold to Seterus.Inc in XX/XX/XXXX from XXXX. We were not notified of our loan was going from the frying pan into the fire. We was told our first payment to Seterus would be {$710.00} as we had what was called an overage amount in a suspense account. XX/XX/XXXX paid the normal load amount. XX/XX/XXXX paid the normal amount but check was late by one day and we where charge a late fee and paid it. XX/XX/XXXX through XX/XX/XXXX began a nightmare that we are now waking up from. We were told that our loan was in default XX/XX/XXXX and had to make a payment of {$5000.00}. By XX/XX/XXXX we would have paid Seterus over XXXX. No one would speak to us except to tell us the only thing they would do is to give us a payment plan with paying {$400000.00} a month on a monthly payment of {$2500.00}. Over and over and over we questions this amount and never got an answer. The online statements never made any sense and no one wanted to explain. Subjects to wait time on the phones for 30 minutes at a time. Threatening phone calls and letters saying they would foreclose on my home unless paid by the time they would set. Fearful of loosing my home today I have paid over {$75000.00} dollars to the company and still I do n't know for what. Call takers and managers or rude and short fused, dare say anything to offend them and your call will go into cyberspace and you wait and wait for them to come back to the phone. This company has ruin my credit by false payment reporting. Left me barely eating or living by stealing my money and threatening to take my home every month for 2 years. Too date, I 'm waiting for an investigate of loan/payment processing to go over my loan. I paid my mortgage online as I have done for the last 2 years with my debit card, payment went right to my account. Today I tried to pay it and was blocked. I called customer service and was told because I paid them late in XX/XX/XXXX, I was barred from paying online again. When I told them I 've been paying online for the last year, I was told, " the system had not caught up with me until now. '' I was told I need to go to the bank and get a certified check or send a money order only. Trying to interpet their on-line statement is impossible. I need help in exposing this fraudulent company and recovering my loss. In efforts to show you the monthly statements increasing in payment instead of decreasing, I have attached a few. I have all of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Account has been written off and it's a balance and its not supposed to be on my report. 
The XXXX XXXX XXXX on my account was written off as a charge off. According to the IRS it clearly defines a charge off as Gross or Ordinary income, Income does not get reported on the CONSUMER REPORT, which in fact makes your reporting to this account Inaccurate. By definition the IRS clearly says a CANCELLED debt or CHARGE off is income. The reporting of this account as debt is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-05
Company: MoneyLion Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
My name is XXXX XXXX and I am customer with MoneyLion. I have had the pleasure of opening up an account with MoneyLion on XX/XX/XXXX. MoneyLion offers great services that have helped my out financially and is currently helping my work on improving my credit. I have had great service with your company until today. I reviewed my checking account with XXXX XXXX and saw that {$3200.00} was deducted from my account on XX/XX/XXXX. This transaction was not authorized and I could not believe that something like would ever happen to me. I contacted the Customer Service Department today and was told that I owe this money for loans that I did not pay. I was furious and upset and the Customer Service Representative did nothing to acknowledge my situation or to assist me with refunding my money. The Customer Representative actually advised me that the system shows that I have only paid {$3.00} on the loans that were deposited in my account. This is clearly not accurate. I have bank statements showing each deposit that was placed in my account as well as each withdrawal that was deducted from my account for repayment. My loans have been paid in full. I also spoke to a Supervisor that gave me the same information. I have worked in the XXXX XXXX for over 20 years and would not think twice about treating any of my customers in this manner. This type of service is unacceptable. I was also told that I was at fault without taking the time to thoroughly investigate this issue. I am not sure if the Customer Service Representatives were not trained properly or if there is an issue with the system. I did not receive the help that I needed today and I am truly at a loss for words at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
XXXX came to our home to give us a quote on a new bath. Gave service rep our personal info to get pre approval for a loan. Got approved for a certain percentage. I turned it down. Got a notification from my credit report a credit card was opened in my wife and I 's name. We never approved for them to do this, a credit card was never even mentioned. The sales rep even opened the card in a higher amount than we even needed. This happened XX/XX/XXXX. I have called the company to talk to thesales rep, but they never get back to me on the issue.

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 2023-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
i am XXXX XXXX telephone XXXX i am permanent XXXX XXXX XXXX i started a small business LLC from my home office in 2018 and was doing my finances with bank of America without any issue/problem. 
all of a sudden said bank froze my balance of XXXX i have contacted bank so many times since then but they are not giving me any good reason and feels like after 3 months effort that they are not going to return my money. I am living on social security and this LLC money was helping me to buy my bread but now i am in a fix. Can you help me please? to get my money refunded and i have all the documentary proofs and tax return to proof that it is very much legal money and no one on gods earth can be a co owner. 

XXXX XXXX Email : XXXX. cell : 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 2021-02-23
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
XXXX XXXX XXXX is misreporting on our credit reports from XX/XX/XXXX XX/XX/XXXX. We demand a full removal of the lates and that any fees that were charged in error be reimbursed to us. 

We have been true to XXXX and used them for our last XXXX XXXX auto loans. 
We are extremely frustrated, as after wasted hours of research, challenging, and disputing the lates, they have yet to be fully corrected. 

See our XXXX dealership 's letter showing we traded in our vehicle in XX/XX/XXXX and that they admit they failed to process the trade-in timely and correctly pay off our old XXXX loan. This has resulted in a XXXX point drop in our credit scores and is stopping us from getting our home loan. 

Screenshots included : Our new loan established XX/XX/XXXX for our new vehicle. As you can see XXXX had no problem quickly reporting this new loan and collecting on it. 

You can see our old XXXX loan from XXXX was eventually paid off ; however, it took 5 months for this loan to finally show paid off. I was told that the pay-off was misapplied to our new loan vs. paying off the old loan, which is supported by the screenshots of the XXXX accounts. Regardless of what happened, it wasnt our fault, and we demand our credit reports be immediately corrected and that we be reimbursed by XXXX for all of the extra fees they collected at pay off in error. 

The third image is a letter from XXXX XXXX dealership admitting they failed to pay off our trade-in vehicle timely, which caused the error to begin with. 

I have also included screenshots of my XXXX XXXX 's XXXX and XXXX 's credit reports addressing the late marks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: CO
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-12-12
Company: AMERICAN EXPRESS COMPANY
State: AZ
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:
American Express Dispute Reference Case # XXXX I purchased on XX/XX/2018 an XXXX on XXXX. The description said it would work on XXXX. I received the item on XX/XX/2018. XXXX worked with me to set up the phone but we could NOT because we found the XXXX was locked with XXXX XXXX. XXXX XXXX said the owner of the account owed {$330.00} and that the owner was the ONLY person who could unlock the phone in order for me to use it. I contacted the seller on XXXX and he refused to work with me so I opened a dispute on XX/XX/2018 with American Express since I paid the {$450.00} with my Preferred American Express Credit Card. I opened the dispute through the American Express Dispute representative who was from XXXX. I carefully explained all details of the case, I also submitted mountains of evidence which pointed out that this XXXX was defective, not as described, nor in any way whatsoever would work because of the fraudulent activity by the seller. The representative from XXXX INCORRECTLY listed this dispute under the title of MERCHANDISE NOT RECEIVED!!!! Not once did I ever tell him that I did NOT receive the item! I was more than clear that the item was defective and NOT as described. This morning, XX/XX/2018, I learned from the American Express Dispute center that I had lost the dispute because the seller proved I had received the item!!! DUH!!! I NEVER told anyone at American Express that I had NOT received the item!! I was adamant at the onset of my call that I had been deceived by the seller 's XX/XX/XXXX description and that it could NOT work on XXXX for it was still locked on XX/XX/XXXXXX/XX/XXXX!!! I lost this dispute because of the incompetency of an American Express Dispute employee!!!

Company response to consumer: Closed with monetary relief