BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-10
Company: Experian Information Solutions Inc.
State: MA
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:
With the complexity our credit interacts with our lives today I find Experian 's practices unorthodox. Being a XXXX veteran my income is on the low side so I keep track of my credit score regularly. XXXX and XXXX   are readily available and I hover around 740- 750. My fico is XXXX. On several occasions now creditors have used Experian and they are always 20 -50 points lower. They access the same info and yet they are lower. They are now advertising " Experian Boost '', Join their service and get your score bumped up as much as 20 points. To join they ask for personal info I find over the top and non of their business.Seems to me they are holding your score and reported score hostage to fill their need.

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 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-11-07
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX CO XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Experian Information Solutions Inc.
State: PA
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 recently got alerts from the credit bureaus about recent hard inquiries on my credit file that I did not authorize. I reached out to the creditors to get information about these inquiries but was unsuccessful. I attempted to call the credit bureaus directly trying to be proactive but I was unable to speak to anyone over the phone.

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 2019-10-23
Company: MoneyLion 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: Account information incorrect

Complaint:
This account was paid off in full on XX/XX/2019. The company did not apply a payment made in XXXX to my account. I provided a bank statement showing the payment was successfully withdrawn from my account. The supervisor, XXXX, told me it was good to go and it would take approximately 1 week to clear out of the system. It has now been 20 days and they are still reporting it incorrectly and showing I still have a balance. I have reached out to them via email and have gotten no response. They are very difficult to reach via phone. They reported to the credit bureaus on XX/XX/2019 & XX/XX/2019 still stating the full amount due. Please help me get this resolved and reported correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Early Warning Services, LLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXXXXXX XXXX is reporting my account closed due to fraud which is not true. I have attached an identify theft report. It is going on 5 years I have been trying to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
IM TRYING TO GET A DISCOVER TO REMOVE CHARGE OFF FROM MY CREDIT REPORTS, I HAVE NO CONTRACTUAL AGREEMENT WITH THE COLLECTION COMPANIES XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXXXXXX XXXX  AND THEY REPORTING NEGATIVE INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland Funding, LLC was sued and lost the lawsuit for applying charges, fees and other as a mean to state a consumer owes them money. Their account firm is disconnected from management, management is disconnected from collections and collections is disconnected from legal and court filings - this is done to increase convolution associated to any claim. MIdland Funding, LLC has picked up their practice what appears to be a scheme to use the court system a means to cheat Americans. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have had multiple issues with this company. Out of all the places I have had loans this place is the worst. I have also sent in 3 complaints via the website and have heard nothing back from them. I am tired of the being bully 's, yelling out my personal information in the office, and threatening me. They are bringing up my personal children in the matter. I called to get a payoff on XX/XX/2019. XXXX quoted me {$700.00}. I called back up there the following Friday, and my pay off was {$910.00}. My wife paid it, and didn't ask questions. We were just so glad to be away from this crooked company. Well they call last week about a return check. Now they are bullying me trying to get me to pay this when it took them over 2 weeks to get a notice. I shouldn't be responsible. Especially after i just gave them {$910.00}. They can settle without the $ XXXX.I have paid the more than what I borrowed. I want this taken care of and I want them to never call me again.

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 2023-02-14
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:
This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}.

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 2022-11-07
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:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX CO XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-09-09
Company: AMERICAN EXPRESS COMPANY
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am having problem getting my refund with the American Express. They have given all types of excuses but no refund has been issued. It is going on for 3 weeks!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-24
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I found out about an alleged debt of {$230.00} placed on my credit reports ( XXXX, XXXX, XXXX ) on XX/XX/XXXX from Diversified Consultants stating I was delinquent on a balance from XXXX XXXX from XX/XX/XXXX. I have had no previous actual or attempted contact with Diversified Consultants before this showed up on my credit reports. 

I contacted XXXX XXXX directly and they assured me that they had record of appropriate payment information on record and that this is their error and should not have been placed in collections and that it would be recalled. 

I contacted Diversified consultants and they advised that they would not remove the collection, only update it as " paid '', regardless of the circumstances and the errors being on their side. I even offered to pay to remove this false and damaging collection from my credit report and pursue contact XXXX XXXX directly for a refund in leiu of moving forward with a federal lawsuit against them as that would be the cheaper option, Diversified Consultants declined. 

In my opinion, this is a shameless money grab, targeted a ruining peoples lives and reputations. I believe my rights in FDCPA and FRCA have been violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/2022 Balance : {$320.00}

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 explanation
Consumer complaint received 2020-10-22
Company: FREEDOM FINANCIAL NETWORK
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Confusing or misleading advertising or marketing

Complaint:
I just recently received a lawsuit settlement check from CFPB V Freedom Debt Relief Third party Administrator -7033 brought against The XXXX XXXX XXXX XXXX  charged a settlement fee where there was no actual debt settlement It was for all part of the fees I paid XXXX I recall meeting with them because I changed my mind about using there debt relief services, and somehow they managed to convince / confuse me that it would be of my best interest to have their services instead of filing bankruptcy I decided to go ahead as planned and for months/ year or more I paid them monthly payments // finally they did some kind of consolidation write off and I no longer had to pay them off ; ; ; after all of this time paying them mega bucks they allowed me to be labeled Bankruptcy on my Credit Report!!! I struggled with having Poor credit filed reporting for years *** I guess what my question to CFPB is Does Freedom Debt Relief owe me back pay for more ~ $ XXXX than the {$5200.00} settlement check? 
I dont have the exact dates of when this took place but Im guessing 10 yrs or less ago,,, and CFPB should have the records and information used to get the settlement check to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Tx XXXX ( XXXX ) XXXX cell

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: GA
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:
15 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 states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report bi more than sevon years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citibank froze my account for what they consider is " suspicious activity '', which is me trying to log on to mobile banking. And then when I called to verify my identity, they said they couldn't find my name attached to my phone number in their third-party database of " public records '', even though my phone number is recorded in Citibank 's system. 

Now they have blocked my access to banking. I can't use my money to pay my rent and bills. They won't let me take the money out to go somewhere else. The 90-day hold they're placing is the period of time I need to use the money. 

I need my money back asap. Citibank is blatantly withholding my money without cause and being inflexible with their own house of cars of a risk policy.

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 2023-02-21
Company: EQUIFAX, INC.
State: MS
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:
I recently created a credit monitoring account and noticed that someone has been illegally using my information to apply & get credit cards. Which caused a couple of inquiries to appear on all 3 of my credit reports that i never authorized anyone to do so and to my knowledge this is a violation to my rights & the law, and all fraudulent inquiries should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an alert on my credit that my score dropped 15 points. I checked my credit found company Afni Inc. located In XXXX IL. Ive never received any calls from this company or the original creditor which is XXXX. Debt is from 2014. Im not aware I had a balance with the original credit I do not feel like I owe a balance. I called Afni and told her was not notified she confirmed that no letters had been sent out. I informed her Im a Collector myself and Im aware of the fdcpa laws and this needs to be removed she said she will send a notification to the credit department to have it deleted since I was not notified. I explained to her I did not owe a balance asked her what was the charges she said did not have a breakdown of the charges because the debt is over 5 years old. Asked her how can they collect on something that they can not provide proof of what the debt is exactly for she said well if you give me your card number and pay this I can have it deleted told her Im not paying for something that she can not give me a breakdown of charges as to what Im charged for. She did tell me debt is from XX/XX/2014 and that she does she a payment made ok XX/XX/14 which was a large amount I asked was it for equipment because Ive returned all equipment she said like I said I cant give you that information. This has damaged my credit greatly and something needs to be done about it ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name was included in the XXXX data breach which occurred between XXXX - XX/XX/XXXX but I was notified in XX/XX/XXXX. I wanted to file and official report regarding this breach since my data is on the dark web and there are several items on my personal non-public information credit report I don't recognize and I have to deal with consumer reporting agencies as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
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: Public record information inaccurate

Complaint:
I have sent multiple letters to all 3 credit bureaus regarding this INACCURATE information on my report. The company ( XXXX XXXX and the Courthouse ) that they all told me that verified the bankruptcy sent me a letter stating that it is inaccurate and I even went to the court house to get a letter and it also states that they have no information. TransUnion is lying and violating my rights as a consumer.

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 2019-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I do not understand why Experian is still in business. I have lost the purchase of an automobile last XXXX because No One could reach them by phone to remove credit freeze. I have filed complaints and have written letters to Experian sending them required documents to have freeze removed. They sent me a reply that said per your request we have extended your freeze another year. This made me very angry. They did opposite of what I asked

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