BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-24
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: Account status incorrect

Complaint:
My credit score on XX/XX/2022 was XXXX. 
My credit score currently has been dropped by XXXX points to XXXX. 
Nothing material has changed on my credit report to cause this action. 
For example, due to COVID-19, all loans in forbearance, deferred to the end of the loan upon exiting forbearance, resuming regular payments, with all payments continuing to be current, under the CARES act should not cause this action as informed to me by the banks.

I have asked the company to restore my credit score back to XXXX. 
This is yet to be done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-23
Company: Social Finance, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
I am in possession of a check that purports to indemnify Sofi Lending Corp in an amount of {$250000.00} against prior claims of the Internal Revenue Service ( " IRS '' ). 
It also contains an undertaking to provide information to the IRS. 


Offer ends XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: Remex, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$50.00} Balance updated XX/XX/2022 This Account doesn't belong to please remove from my Consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened Citibank Checking and Savings account because of a {$400.00} new-customer signup bonus. 

Citibank Account Package {$400.00} Checking and Savings Offer Promo ID : XXXX On XX/XX/XXXX I got an email stating that unfortunately I did not meet the requirements for the bonus, but it did not say why. Over the next two weeks I tried contacting Citi Support and they kept opening new cases that would be resolved by simply saying " requirements were not met '' but never gave me the official reason why. Finally I got to talking to a supervisor, who informed me that the funds were not deposited within 30 days. If that was the case, they should have told me right after the 30 days, not waiting for 60 more days holding my money for nothing. 

Apparently I opened the account on XX/XX/2018, but because the online system to log into my new account was so hard to use, I could not actually access my account to transfer funds online until XX/XX/XXXX, over a month later. I tried multiple times with customer support and it was very unhelpful. Eventually I found the right button buried in the website to link my ID with my old ID ( I had a Citi Online ID from my credit card ). Eventually I got into the account and immediately transferred the {$15000.00} needed to meet the requirements for the bonus {$400.00}. This took 3 days so the funds entered the account on XX/XX/2018. 

The terms of the offer state that the funds must be into the account by 30 days after the account opening, but I was not able to access my account until XX/XX/XXXX, and as soon as I did I deposited the funds. 

This citi checking bonus offer is not worth the time and the customer service seems purposefully confusing and on multiple occasions made me wait several days before problems were resolved or returned to me unresolved. The terms of the offer are very confusing and it was easy to miss the exact details, some of which are still unclear to 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 monetary relief
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 

DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$4500.00}, DEPT OF EDUCATION/XXXX  XXXX Date opened XX/XX/XXXX Balance {$6700.00}, DEPT OF EDUCATION/XXXX  XXXX Date opened XX/XX/XXXX Balance {$6900.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$6500.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$11000.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$3200.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$20000.00}, XXXXXXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$1200.00}, XXXX XXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX. ) XXXX Date opened XX/XX/XXXX Balance {$1100.00}, and XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$4100.00}.

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 2018-06-02
Company: WELLS FARGO & COMPANY
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:
Good morning/evening, On the following date of XX/XX/2018 Wells Fargo filed a hard inquiry on my credit report where I never authorized such inquiry. This is greatly impacted my ability to eventually purchase a home. I request to have them removed 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 2018-08-20
Company: Resurgent Capital Services L.P.
State: AL
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 company is filing a delinquency report on my credit files in all three bureaus. - XXXX XXXX XXXX C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX This is in no way truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Avant Holding Company, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I closed the account but the merchant has it as a charge off. This needs to be updated and fixed. 

I am a victim of the Florida flood and the creditor agreed to remove this negative account off of my credit report. The creditor is violating FCRA Section 604 and 609. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719. 

I only used XXXX $ off the card and the card company charged me over {$200.00} in fees. I called them several times to work out the fees since I am in Florida and keep going through natural disasters. Now they say I owe {$540.00}. I am willing to settle for the amount I used only and not the crazy fees. I will pay {$280.00} to satisfy the account with them but no more than that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: BSI Financial Holdings, Inc.
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is serviced by BSI Financial Services. I have no missed or late payments in the history of my loan. In XXXX, XXXX, my debt to equity fell below 80 %, and I requested PMI to removed. My request was denied. I submitted a second request in XXXX, XXXX, and I was told that it was also denied although my debt to equity was below 80 %. 

I have contacted BSI several times, and the associates tell me that they are confused why the PMI department denies my request because my debt to equity ratio is below 80 %. The original appraised value was {$250000.00} and my current principle balance is {$200000.00}. Reasons I have been told by BSI associates that my requests have been denied are : * Debt to equity computation is determined on " sale price '' not appraised value *I would not be able to request removal of XXXX based on my closing documentation. ( Note : this is not true. In my closing documentation, it states that based on the 'initial amortization schedule ' I would be able to request removal in XXXX. However, I have been make additional principal payments and I was eligible to remove it XXXX, XXXX. ) *The home appraisal needs to be less than two years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I called and requested a payment extension. I was told if I got a payment extension this would keep the account from being reported as delinquent. I agreed to the extension and I paid the agreed payment on XX/XX/XXXX. On XX/XX/XXXX I received an alert that my account has been reported delinquent by Capital One. When I called their rep. I was told I would have to file a dispute. I was never told that my account would be reported as late I was told if I made and kept the payment extension my account wouldnt be reported as late. My credit score went down 60 points because of this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/18 I took {$100.00} out of my US Bank account using my card ending in XXXX. When I arrived home I did not have the money in my pocket. I do not wear baggy/loose clothing and am very conscious of my possessions. I rarely loose anything. I thought for sure the machine sucked the money back in and that I would see an account credit. When I did not see an account credit after several days, on XX/XX/18 I went to the branch on where the ATM is located in a sheltered ( card required to enter ) entryway into the bank. The woman at the bank processed a dispute of the transaction and assured me they would investigate by looking at the ATM report and cameras, and provide me with the findings. The ATM is owned by a company separate from the bank. I received a letter dated XX/XX/18 saying that the claim was denied because " no errors occurred with your transaction ''. On XX/XX/XXXX another letter mailed to me saying I had duplicate disputes and my dispute was being withdrawn. After some infuriating calls with US Bank where I was bounced back and forth between customer service and the fraud dept. I filed a claim with the CFPB on XX/XX/XXXX. The claim was dismissed on the basis that the Bank still had time to investigate. I near the end of XXXX I received a very cryptic letter from US Bank stating that the " documents I requested are enclosed ''. What I received was an inscrutable ATM terminal log report laced with jargon. There were no findings of fact, there was no interpretation of the report, no mention of camera footage being reviewed, no indication that the ATM machine does or does not suck money back in. The elements of a normal determination were not present and I have no confidence in their " investigation ''. Surely this kind of absurdity is a violation of law or regulation. I want an answer of what happened to that money.

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 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-14
Company: ALLY FINANCIAL INC.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a vehicle loan with Ally financial. XX/XX/XXXX, i became unemployed and called Ally to see what my options were. They offered me a two month deferment which was great. They kept saying I needed to sign some paperwork and that they could only mail it. Long story short, after about a XXXX phone calls saying I had n't received the paperwork I got the deferment done XX/XX/XXXX. Meanwhile the reported my account as 60 days late twice and 30 days late twice and it is DESTROYING my credit. I am trying to refinance my home and can not do it with these negative marks on it. I have called Ally frequently because I was assured all negative reports would be fixed. They are saying that the reports are accurate and that they can not verify I never received paperwork.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
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:
This is my follow-up complaint in line with my prior complaint dated XX/XX/XXXX. 
My complaint contains the items which I believe to be fraudulent please remove the items in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$1000.00} XXXX XXXX Balance : {$110.00} SXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$79.00XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was issued wage garnishment on XX/XX/XXXX by Crown Asset Mgmt LLC for 25 % of my wages on a debt that isn't mine. When I tried to contact the company, they didn't even have any of my current info, I had to give it to them to get the info on my debt. Then I was told that I was supposedly served court documents in XXXX at an address that I was no longer residing at. I have been at my current address for 3 years. They could not tell me who they served the court documents to. I never once received any letters, or phone calls. No attempts to contact me directly at all. This debt has never shown up on my credit. By the time I found out about the garnishment, it had already gone through, and they have started taking the 25 % starting XX/XX/XXXX. How is this legal and how can I stop this and get my money back?!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: FL
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 submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance : {$410.00}, XXXX XXXX XXXX XXXX Balance : {$8.00}, XXXX XXXX Balance : {$5900.00}, XXXX XXXX XXXX Balance : {$23000.00}, XXXX XXXX XXXX Balance : {$1400.00}, XXXX XXXX XXXX Balance : {$950.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX**** Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00},

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: AMERICAN EXPRESS COMPANY
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I received the following email in my spam folder on XX/XX/XXXX : From : " American Epress '' XXXX [ Add to Address Book ] To : " XXXX XXXX '' XXXX Subject : A recent charge attempt requires your attention Date : XX/XX/XXXX XXXX PM Your card has been blocked We've blocked your card to protect your security, we are writing to confirm some recent activity on your account. 



Here 's what you can do next : Go to amerlcanexpres.comXXXX have your card handy and submit the completed form to us to activate your card instantly.. 



American Express Customer Care Privacy Statement | Update Your Email Your account information is included above to help you recognize this as a customer care e-mail from American Express. To learn more about e-mail security or report a suspicious e-mail, please visit us at americanexpress.com/phishing. We kindly ask you not to reply to this e-mail but instead contact us via Customer Care. 



XXXX American Express. All rights reserved. 



XXXX I have not held an American Express card for XXXX years and it was a business card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: UT
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:
I have asked several times for the documents showing charges totaling {$490.00} that is on my credit reports. I want this cleared off my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
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: Account information incorrect

Complaint:
I reviewed my Consumer Reports and noticed that I had a late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX # XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand late payment to be updated as on time as they should be as I was NEVER late.

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