BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-08
Company: TD BANK US HOLDING COMPANY
State: CA
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:
After reviewing my credit profile XX/XX/2023 identified a discrepancy with accounts listed under XXXX XXXX XXXX and validation was requested as this was an account that i did not recognize. I reviewed my credit report again on XX/XX/2023 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 3rd validation letter was sent out on this day. After reviewing credit report XX/XX/2023 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please stryke and remove his account from all 3 credit bureaus until adequate validation has been received proving that they account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: MoneyLion Inc.
State: OH
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:
On XX/XX/2021, Money Lion appeared on my credit report showing a balance of {$500.00} for a loan. I have never heard of this company and definitely did not request or receive a loan from them. I called Money Lion on XX/XX/2021 and spoke with XXXX. She took my complaint and told me she would submit it to their fraud dept. i immediately filed a dispute with all three credit bureaus and on XX/XX/2021 I called back and was told they couldnt find a loan in my name. XX/XX/XXXX, I received an email from XXXX stating they would not remove it because its accurate. IT IS NOT ACCURATE, therefore, Im filing a complaint with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, I sent a debt validation letter via certified mail with return receipt to Portfolio Recovery at XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX requesting Debt validation Tracking # XXXX shows it was received and signed for on XX/XX/XXXX, XXXX by a name I can not make out. Debt validation is my federal right granted under the Fair Debt Collection Practices Act ( FDCPA ). Since I was NEVER contacted by the collection agency regarding any alleged debt, I reached out immediately after noticing the unfamiliar account on my credit report. It has now been well over the allowed 30 days and Debt recovery solutions has failed to provide any of the required documentation under FCRA to prove this alleged debt is mines however they continue to report the debt to the credit bureaus, which is a clear VIOLATION OF FCRA & my rights as a consumer are being violated by this company. THIS DEBT IS NOT MINES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Experian Information Solutions Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$650.00} does not belong to me. This account was fraudulently opened through this company in XXXX XXXX XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Self Financial Inc.
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Opened an account with self lender in XX/XX/2021 because it was supposed to be a savings that helped to boost your credit and at the end you get all your savings back. I decided to close my account in XXXX when I realized this was a scam and in fact did nothing for my credit score. I understand there was a {$9.00} admin fee but attached you can see I paid {$160.00}. The {$25.00} payments didnt come out but thats not a late fee. Im having to wait over 2 weeks and my payout is only {$92.00}. I want the other {$75.00} I contributed to this account. This is a scam and theyre stealing peoples money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Resurgent Capital Services L.P.
State: CA
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:
After reviewing my credit profile XX/XX/2023 identified a discrepancy with accounts listed under XXXX XXXX XXXX and validation was requested as this was an account that i did not recognize. I reviewed my credit report again on XX/XX/2023 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 3rd validation letter was sent out on this day. After reviewing credit report XX/XX/2023 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please stryke and remove his account from all 3 credit bureaus until adequate validation has been received proving that they account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
Today, I noticed and contacted my bank [ Bank of America ] concerning two unauthorized check card charges for {$290.00} and {$150.00} Re : XXXX XXXX. I did not authorized these charges and this has created a financial hardship because the money withdrawn may create overdrafts and fees because it has created a deficit balance in my account.

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 2023-05-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite numerous written requests, the ITEMS listed below continue to appear on my credit report, in violation of the Fair Credit Reporting Act. The bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i, within the time frame allowed by law, they failed to investigate the problem effectively by employing a third party as their verification source, and they continued to report unconfirmed and unverified information. Given my efforts to handle it directly with three CREDIT BUREAUS, they are willfully negligent and in violation of federal statutes, and I need this matter fixed as soon as possible. Please delete the following items from my file : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXXXXXX : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account claiming that the information they present is accurate, with which I greatly disagree. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I need the account corrected as soon possible : 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 non-monetary relief
Consumer complaint received 2018-09-11
Company: EQUIFAX, INC.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Today XX/XX/2018 I tried submitting a dispute online with equifax. I answered all the security questions and put in the information they were asking for after all that an error message came up that I am unable to submit a dispute. I am submitting this complaint because there are a few accounts on my equifax credit report that do not have the correct balances. My XXXX XXXX  card is reporting more of a balance owed than what I actually do owe. Also my XXXX  XXXX accounts my balances have decreased by {$300.00} they are reporting with higher balances. I attempted to correct this but unable to get online to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Army and Air Force Exchange Service
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: Old information reappears or never goes away

Complaint:
I have 3 accounts that have should have aged of my credit report : MILITARY STAR XXXX XXXX XXXX XXXX, TX XXXX USA This should have aged off of my report and also shows payment history when I was not actively paying that account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX USA I have two accounts that should have aged off my report. Before settled, these accounts were purposely kept active and open in order to accumulate multiple 180 day late 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 2019-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I have contacted TransUnion and told them several times that I don't reside at XXXX XXXX XXXX XXXX MI XXXX. They delete it from my account ad then place it back on my account saying it was verified from a company. I got a list of people from them that they stated have used this address and all those people claim that have not and if they have it's been so long ago. My sister use to live there over 10 years ago and while I was in college I was on one of her credit cards I'm assuming I may of got promotional mail there but my sister or myself have never owned this home. This address should not be on my file. I would like to know how are they verifying this information with the company that's reporting it. Information is suppose to be accurate and XXXX XXXX XXXX XXXX MI XXXX is not an accurate address for any account of mine and has never been.

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 2021-06-03
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My identity was recently stolen. I am attempting to freeze my credit to prevent further damage. On XX/XX/21, I was able to freeze my credit with two of the major credit reporting companies but not Experian. I attempted to freeze it online and failed due to a website error. I tried this multiple times. I attempted to call the customer service and it just redirected me to to the website. It is literally impossible to talk to a live person. I tried every number on their website. I attempted to email the help center listed on the website and my email was returned because it was not a valid email address. I currently have no way to contact Experian and no way to freeze my credit 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 non-monetary relief
Consumer complaint received 2022-10-01
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I requested a refund from EdFinancial Services about XXXX weeks ago due to the XXXX XXXX XXXX. I have called each week since to verify if the refund request has been processed. In which they, agreed. Each call I was given a longer expected date of refund. However, I believe that refunds shouldn't take longer than XXXX days. I do want to take advantage of this opportunity to get assistance from the government with my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Eastern Account Systems of Connecticut, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

EASTERN ACCOUNT SYST XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX XXXX Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: CAVALRY INVESTMENTS, LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of XXXX, I received a letter stating that I owed money so I requested verification of the debt from XXXX XXXXe group harassing me and saying I owe this money back from XX/XX/XXXX. I specifically asked for verification with specific charges, merchants, and dates. Instead, on XX/XX/XXXX, I received a letter from " CAVALRY SPV I , LLC, '' which showed XXXX  XXXX, the date of XXXX XXXX - XXXX XXXX, XXXX, with no transactions listed. Only my name and a past due balance. But Cavalry 's letter said that the open date of the charge card was : XX/XX/XXXX. The charge-off date is listed as XX/XX/XXXX, with the amount of the debt owed is {$2700.00}. However, the new balance listed on the XXXX XXXX card is {$2800.00}. Credit card companies are not stupid and generally ad on fees, they do not subtract monies. Also, it's kind of strange that they couldn't produce any of the merchants or transactions that I asked them to verify. 
I don't know nor have I ever heard of Cavalry but I know this account from XXXX was paid and closed in XXXX. I find it a shame this company is trying to defraud me for my hard-earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Experian Information Solutions Inc.
State: SC
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:
1

5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also st
ates a consumer reporting agency can not furnish an account without my written instruction.

15 U.S. Code 1692g - Validation of debts : I was not provided with any debt validation or proof of investigation from the CRA. 

XXXX, XXXX. 
Original creditor : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX Original creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-12-06
Company: Experian Information Solutions Inc.
State: NV
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 keep sending numerous sets of letters to Experian so the excuse of we didn't get it '' doesn't happen but then nothing happened. It seems that they tend to ignore the trend and let these fraud accounts affect my credit score. They are bound to comply with the FCRA regulation section 605b but I think they are inattentive about this matter. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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