BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This is XXXX XXXX submitting yet another CFPB Complaint to follow up the previous CFPB complaint I submitted to request the correction and removal of the erroneous accounts reporting on my Credit file. I discovered that the information being reported on my credit report are incorrect when I reviewed my Credit File. Under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected ore deleted as soon as possible : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-31
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Lexis Nexis has a bankruptcy on my credit never file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: BBVA FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I stopped using the account towards the end of 2019 but it remained open. I didnt realize some transaction must have caused my account to have a - {$10.00} balance. I realized that in XXXX and initiated a transfer from my primary account for the {$10.00}. That was sent on XX/XX/XXXX. The account was actually closed on XX/XX/XXXX. Additionally a deposit was attempted by the IRS on XX/XX/XXXX in the amount of {$1200.00}. 
I began contacting the bank Simple ( BBVA Compass ) on XX/XX/XXXX to ask if there was anything that I needed to do since that account was closed. I was initially instructed that the process to return the funds often took XXXX business days. After XXXX business days I called Simple back because I did not see the funds back in my primary account XXXX XXXX XXXX. I was instructed that the funds had been retuned and I needed to contact XXXX. I did, they indicated that they had not received the funds back and they couldnt do anything until they received the money back from Simple. Ive called Simple several times to be told there is nothing that can be done, they dont have the funds and would have bounced back to the sender. I have also sent support messages so that some of the interactions are documented. On XX/XX/XXXX I spoke to someone at the IRS who was able to place a trace on the deposit and found that it was sent to Simple and not returned to the IRS. On XX/XX/XXXX I contacted Simple again to let them know that the trace had been completed and to ask for some assistance in locating the payments. I spoke to someone named XXXX who was incredibly rude and just hung up on me while I was explaining the situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-18
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have not wanted to establish an alliance or corporate relationship with another bank because according I have been informed, they do not offer relationships with businesses with the type of structure that I want as a professional services corporations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

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 2022-10-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2017-12-12
Company: Navient Solutions, LLC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Late Payments are reported on my Navient Account for months in XX/XX/XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and in the year XX/XX/XXXX in XX/XX/XXXX. The entire time this account with another company and in forebearance for all ofXX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. Navient bought this account in XX/XX/XXXX so  how they be reporting lates from XX/XX/XXXXand early XX/XX/XXXX? I asked the credit bureaus for verification as well as Navient and not response. 

This is an error and a violation of the FCRA. I have made every payment ontime to Navient since they took over. 

Please remove these erroneous late payments kind regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Giggle Finance Inc.
State: MD
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
The events went like this : XXXX. XX/XX/2023 - Giggle Finance approved me for a funds of {$900.00} XXXX. XX/XX/2023 - Giggle Finance deposited {$830.00} into my account ( therefore, taking out the fee I thought they were going to take as they state on their website ). 
XXXX. XX/XX/2023 - Email only sent ( no paperwork ) congratulating on approving me for {$900.00} and that payments of {$120.00} would be debited or paid weekly. 
XXXX. Log into my account with Giggle Finance and the dashboard for my account that on XX/XX/2023 they funded me {$1300.00}!!! Which is completely not true per their email and my bank statement showing my deposits. 
XXXX. They are now requesting XXXX payback an entire {$1300.00} when they already took out a fee from their payment ; and since this is an advance ( not a loan ) should not involve interest payments. 
XXXX. In the dashboard, they state that the funding will not impact credit score but the website shows that they will report to the credit bureaus. 

Anyway you can help is greatly appreciated to stop them from their predatory practices. Thanks!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: Experian Information Solutions 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 recently reviewed my Experian credit report and noticed fraudulent account on my credit report. I have sent Experian several correspondence such as FTC Identity theft report and police report stating that the fraudulent account is not mine but Experian refuses to block and remove this account. I have attempted to upload documents on their online portal www.experian.com/upload but every time I call them to verify documents received, they always tell me that the documents are illegible. At that point, I started just mailing the documents and still they are not blocking and removing the fraudulent account under FCRA within four days. Therefore I am reaching out Consumer Financial Protection Bureau to help resolve my issues with Experian. I am requesting for the following fraudulent account to be removed and blocked immediately under FCRA : 1. XXXX XXXX XXXX Account # : 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 2023-05-12
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
From XX/XX/2022 to XX/XX/2022, Citibank has reported an account past due to all XXXX credit bureaus. Citibank has collected their payment on my bank account, and an in-person payment in-store at Macys. Upon contacting them, they offered to provide a refund which never happened. I proceeded to call my bank and dispute the transaction. Citibank then decided to report my account not paid following this without providing a refund and without notifying me of that even tho I paid them. Around XX/XX/2022, someone helped me identity the account being reported as late on my credit report. I contacted Citibank and make a full payment yet even tho they were already paid so they can fix their reporting. Up until now, no refund was provided and yet they ruined my credit with their false late payment as a tool of extortion. 

Macys and Citibank have put together to discriminate against me due to my race and my XXXX of speaking clearly. At one point, Macys and Citibank have defrauded me, then they are causing difficulties in obtaining any financial products.

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 2020-05-29
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Company Inquiries : 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
Consumer complaint received 2022-02-24
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have tried to renew my XXXX payment. It was XXXX XXXX monthly. Now its {$650.00}. 

My amount I owed went from {$100000.00} to {$110000.00} in 2 months. I am frustrated and feel like I was shoved into forbearance instead of a sustainable XXXX payment. My original loan amount was {$66000.00}. I regret ever taking out loans and have been treated horribly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: Checkr, Inc
State: TX
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: Public record information inaccurate

Complaint:
I have been a victim of XXXX XXXX. On my background check appears information that does not pertain to me. Which is preventing me from having gainful employment and feeding my family because of this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX continues to send emails sometimes twice a day. With no info to dispute

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 2022-10-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am being sued for a debt on a XXXX / XXXX XXXX credit card. it is being reporting on credit bureaus as XXXX account... XXXX and the balance as {$3.00}, XXXX ( XXXX XXXX, XXXX XXXX and XXXX XXXX dollars ) I requested documents to verify this information. for the past XXXX yrs neither XXXX XXXX or XXXX XXXX were able to prove this account belongs to me and refuse to remove this account from all three credit bureaus ( XXXX, Experian XXXX XXXX ). I requested from the credit bureaus to send me what information they have that this account is verify, and they have not. XX/XX/2022 I sent a letter to XXXX XXXX requesting information on this account and have not heard from 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 explanation
Consumer complaint received 2023-02-07
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I sent a letter to the collection company informing them of my correct address and for more information about the debt they were claiming I owe. 

Negative marks have shown up on my credit score and need to be removed ASAP because I am trying to purchase a home. 

On XX/XX/XXXX, I sent an additional letter stating that the negative marks are still on my credit report and they have not provided any proof or evidence that this is owed by me. 

I sent my letters with tracking and will attached that information to show that they have received both letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am a victim of identity theft and someone used my information to obtain a credit card with this XXXX XXXX. I have contacted XXXX XXXX and spoke to a fraud specialist that told me this account was already closed due to fraud and it should of been deleted from XXXX, Transunion and XXXX. I have also contacted these 3 bureaus and submitted my fraud affidavit for removal. The account reports as XXXX XXXX date opened XX/XX/2021 partial account # 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 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX BANK XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE SEE ATTACHED FOR MORE INFO INCLUDING FCRA 605B

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 2021-05-25
Company: EQUIFAX, INC.
State: TN
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:
My most recent report contains unauthorized inquiries that I would like to get remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Credit Karma, LLC
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I used Credit karma Savings as Adviced to be A Very Safe and Reliable Bank since i was a Victim of Identity Theft I was Very scared to use any Bank at all so I after 1 year of fighting Unemployment for all my benifits to be released and 1 year of no income which made me homeless jobless and the worst of Coronavirus they have finally been Deposited into my Account first it was a problem linking my account than my account was frozen for no reason they asked for vertification Documents which i submitted and my funds been in my account since XX/XX/XXXX with no access for me and me still in the streets homeless and my account froze and last payments returned to unemployment Credit Karma Is the worst i Don't Recommend to anyone in an emergency Situation I Call everyday and get no solution all they say is that department is only Via Email and I Email everyday with no answers or access to my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: TX
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Pnc account is not connecting to my XXXX  credit application. This restricts me from submitting my application for a future purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Re : Account ending in XXXX & Claim Number XXXX This letter is in regards to my California Unemployment benefits that were stolen from me. On XX/XX/20 I received a letter from Bank of America regarding the enrollment of my prepaid EDD card in XXXX XXXX. At the time I had been waiting for my card for over a month and had yet to receive it. Upon calling customer service I was informed that someone had fraudulently drained all the money from the card. 

After many hours on hold and calls to the EDD and Bank of America I was told that my claim valid and that the funds would be credited and they were only to be mysteriously debited again a few days later. 

It is now XX/XX/20 and I have not been able to access any of my unemployment benefits. I was able to view the transaction history of the card and I know for absolute certainty that most if not all the places the card was used have XXXX cameras and you can verify that it was not me using this card. I also know that I am not the only victim of this type of fraud and that workers inside Bank of America have been involved. 

To resolve the problem, I would appreciate your help in crediting my account again with the total amount of money that was taken from me ( approx. {$14000.00} ) Enclosed are copies of my records. 

I look forward to your reply and a resolution to my problem and will wait until XX/XX/20 ( before seeking help from a consumer protection agency or the XXXX XXXX XXXX. Please contact me at the above address or by phone at XXXX Sincerely, 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 monetary relief