BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-08
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Suntrust blocked my card from any type of transaction, locked me out of the app and then closed my account. The account was in good stands, no overdraft. They simply pursue this method because I didnt go to the bank with my id to state my employment situation, of which I told them on the phone that currently I was a stay at home mom. I have this same account for over a decade. I called them today and nobody cant tell me where my money is, I will have to call Monday. It is a disgrace that a bank can wreck my finances like this, I am lucky that I have credit card otherwise I wouldnt have access to any cash until I get, if I get, the cash I had 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 explanation
Consumer complaint received 2022-09-10
Company: Early Warning Services, LLC
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I was conned by a scammer, acting as a representative of my bank, into providing information regarding my online bank account. The scammer accessed my account with XXXX, and used Zelle to make a series of unauthorized transactions, in varying amounts, totaling {$2000.00}. 
This happened within 2 minutes of my call with scammer. I called my bank immediately and froze all accounts, and found I had been scammed. I opened a complaint with my bank, XXXX XXXX XXXX XXXX, who then opened a complaint with Zelle. Both entities refused any compensation, and I currently can no longer make Zelle transactions. 

I never authorized access to accounts, nor any transactionsbut I did provide sensitive information to a con man.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Experian Information Solutions Inc.
State: AZ
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: Problem with personal statement of dispute

Complaint:
Experian has failed to provide me with adequate proof as to their right and the right of the alleged creditors claim to the information reported on my experian consumer credit report. Experian has not maintained an fair and impartial position in this matter and has reported information on my experian consumer credit report solely based on whatever information the alleged creditor has given them. I have reach out to all of the companies claiming to be an original creditor they have all failed to provide substantial proof of this pursuant to Federal Law. Any legal action taken against these fraudulent claims, I will include Experian as a co-conspirator and co-defendant. ON XX/XX/2022 I sent a cease and desist complaint via the CFPB # XXXX. This complaint was not addressed and the numerous account continued to report as verified. ON XX/XX/2022 I request a method of reinvestigation disclosure from Experian via the CFPB # XXXX so that I can have a full accounting of the steps taken to validate the information on my Experian report. Experian failed to provide me with this information and has still continued to report the many accounts in which I informed them should be removed from my Experian credit report.

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 2022-09-10
Company: Lac Courte Oreilles Financial Services II
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/31, I applied for and was approved for an {$800.00} loan. When applying, the rep asked me for my full debit card number, including the security card. We then had to call the bank to verify my account, including the total available balance ( which I thought was kind of odd ). I should have gone with my gut. 

That night, an unauthorized charge for over {$300.00} at XXXX was charged using my debit card. Right away, I called my bank to cancel my card and get a new one reissued. Overnight, another charge tried to go through for {$500.00} for some airline tickets. Coincidence that the total was {$800.00}? I don't think so. 

Looking further into it with XXXX and the airlines, the name of the person using the card was the same as my rep and the area was where she lived. 

I emailed all this information to XXXX XXXX but they have yet to respond. I am looking for compensation for the fraudulent charges and/or my loan forgiven for the hassle.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-08
Company: Experian Information Solutions Inc.
State: AL
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:
Ive been on going with Experian for going on two years. Ive sent in letters and even did disputes online. The other two credit bureaus investigated these same two companies and they were removed. However, Experian will not remove and has blocked me from being able to dispute them anymore!

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 2020-08-19
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
CFPB, Navient has been charging interest on payments I have been applying to my principal during the National Emergency Forbearance .... 

thanx XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: McCarthy, Burgess & Wolff, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello The original debtor is XXXX XXXX. I voluntarily had my bad service disconnected at my new location because the service didnt work properly. I talked to them by phone and email trying to resolve the issues. We agreed I would disconnect WITH NO PENALTY since it wasnt my fault. I had several service technicians out and nothing worked. I am attaching several emails of my complaint. XXXX and this collection agency calls me every day from different phones. I feel harassed and I have to keep blocking these numbers from my cell and my business line. How dare they think I should pay early termination fees after agreeing that i didnt have to pay due to bad service. 
I will also attach collection agency letter as well. They are trying ti mess up my credit. Just like the insurance companies when you switch companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
*THIS IS NOT A DUPLICATE* Please refer to my previous complaints ; XXXX XXXX XXXX XXXX Bank of America continues to be negligent in researching and correcting the issue with the VISA card I have through them. 

The approximate total amount in question is {$6100.00} in fraudulent charges made by an online gaming company. 

Every time Bank of America has been contacted, numerous times directly through me, and now 4 times through CFPB, they have supplied contact information for their department that handles these disputes though the number and extension number never lead to direct contact to the person dedicated to my issue and they never call back after leaving my contact number. 

I no longer have faith that any contact with Bank of America will lead to a correct conclusion to my complaint. Therefore, I want to know to whom should I direct my inquiry to institute a formal investigation.

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 2021-07-14
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:
These accounts appeared to my credit report and I do not know who these accounts belong to : XXXX XXXX Account # XXXX and 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 explanation
Consumer complaint received 2022-09-10
Company: Credit Karma, LLC
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Multiple times I have been told that I have a 90 % chance of getting pre-approved and then I apply and then I don't get approved because of my credit score I want to be compensated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: LEXISNEXIS
State: NC
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:
The company XXXX issued a report blaming me for an accident that occurred on XX/XX/2021 where I was the victim of a driver who hit my vehicle and fled. This error in the report affects my ability to quote with other insurance companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: ERC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: Self Financial Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I had opened a XXXX XXXX XXXX account and only had it open and availbile for not even 2 months and after that I received a notice saying that the XXXX XXXX account needed more information on verifying my identity and the company would not respond to me after I sent them all the documents they asked for multiple times over and the customer Service agent repeatedly kept asking me for documentation I sent them already multiple times over email and over their company message option. It took them from XX/XX/XXXX to XX/XX/XXXX to respond back to me and had my account frozen the whole time and I wasn't able to Access anything it was my own secured account. I put my own money into this account it wasn't on credit or a unsecured account or anything it was first and at the now a secured credit account. I tried multiple times over to contact customer service and did everything I could possibly to contact them and got no response. Until I filed a complaint with a credit law firm that helps consumers with their credit. Now my credit went from XXXX score to XXXX score and Reporting faulse information about not paying on time on which I have told this company multiple times I wanted it closed and got no response from them back. They stole my funds I opened my secured account with and faulsifiying credit score reporting on my behalf. They never closed my account never responded back to me and fraudulently kept my account open against my approval nor did they even have any okay or approval to report or have any sort of approval to keep my account open and not responded or being able to contact them regarding my important sensitive time sensitive situation they have caused me. They have fraudulently scammed me and I paid them for this companys service to provide up most professional credit Building program that was supposed to help my credit score and reports instead scammed me for faulse advertising their actual intentions with consumers sensetive personal information unprofessionaly ignore consumers when they get caught and get put on the spot light.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 am requesting the removal of the automatic fraud alert that was placed on my credit file. I never requested for one to be placed therefore I would like it 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 2022-09-10
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: Account status incorrect

Complaint:
On XX/XX/XXXX I received notification from the various monitoring mechanisms that I have in place of an account reported as past due and over the limit. I do have an account with the lender but the actual account information doesnt match what is being reported under my name and social security number. 

My account was opened on or about XX/XX/XXXX the credit alert reports the account was opened on XX/XX/XXXX My account has a current balance of {$420.00}, a statement balance of {$90.00} and a credit limit of {$800.00} the alert reports a balance of {$1500.00}. I have never had a balance nearly that high which in fact exceeds my credit limit. 
My account has never been delinquent the alert reports my account as delinquent I contacted XXXX via phone on XX/XX/XXXX for resolution I spoke with XXXX who was unable to resolve the issue or offer any explanation. She opened a ticket under XXXX for the appropriate department.

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 2021-10-27
Company: Experian Information Solutions Inc.
State: MD
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 previously sent out a dispute letter to update my personal information but nothing has updated. According to the FCRA all information on my credit report should be 100 % accurate including my personal information. I should only have one name and one address. My name is XXXX XXXX XXXX, any other variation should be deleted. My current address is 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 2022-09-10
Company: EQUIFAX, 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: Account status incorrect

Complaint:
On XX/XX/XXXX I received notification from the various monitoring mechanisms that I have in place of an account reported as past due and over the limit. I do have an account with the lender but the actual account information doesnt match what is being reported under my name and social security number. 

My account was opened on or about XX/XX/XXXX the credit alert reports the account was opened on XX/XX/XXXX My account has a current balance of {$420.00}, a statement balance of {$90.00} and a credit limit of {$800.00} the alert reports a balance of {$1500.00}. I have never had a balance nearly that high which in fact exceeds my credit limit. 
My account has never been delinquent the alert reports my account as delinquent I contacted XXXX via phone on XX/XX/XXXX for resolution I spoke with XXXX who was unable to resolve the issue or offer any explanation. She opened a ticket under XXXX for the appropriate department.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
On XX/XX/XXXX I received notification from the various monitoring mechanisms that I have in place of an account reported as past due and over the limit. I do have an account with the lender but the actual account information doesnt match what is being reported under my name and social security number. 

My account was opened on or about XX/XX/XXXX the credit alert reports the account was opened on XX/XX/XXXX My account has a current balance of {$420.00}, a statement balance of {$90.00} and a credit limit of {$800.00} the alert reports a balance of {$1500.00}. I have never had a balance nearly that high which in fact exceeds my credit limit. 
My account has never been delinquent the alert reports my account as delinquent I contacted XXXX via phone on XX/XX/XXXX for resolution I spoke with XXXX who was unable to resolve the issue or offer any explanation. She opened a ticket under XXXX for the appropriate department.

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 2023-06-27
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX Experian, There is incorrect information being reported on my credit file for accounts showing below : XXXXDEPT OF ED XXXX Incorrect balance is being reported the balance is not XXXX or is XXXX these accounts are not pass due they are current please update accounts with correct status and amount. 
There is also a XXXX account that is only being reported to Experian that account is not valid in the amount of XXXX please remove account immediately! I have attached attachments to show proof of incorrect information.

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 2021-10-27
Company: EQUIFAX, 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:
On XX/XX/2021 I became aware of the errors being reported on my consumer credit report .Pursuant 15 USC 1681c2 block information resulting from identity theft. Pursuant 15 USC 1681b reasonable procedures must be fair and equitable to the the consumer. Pursuant 15 USC 1681a ( 2 ) A ( iii ) consumer must be given a chance to direct the information whether they want the information about a transaction they had to be reported or not. This is my chance to direct it off my report. Per XXXX XXXX XXXX XXXX. Accounts named XXXX XXXX, XXXX. XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. XXXX XXXX XXXX is a duplicate I have an open XXXX XXXX XXXX so i have no clue who XXXX XXXX XXXX is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Compass Recovery Group, LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
For two and 1/2 years I have tried to settle a debt with XXXX as I am XXXX and had no income at all. 
Compas recovery group has called me daily as well as harassed my mother in law with XXXX in Florida telling her to pay them, my XXXX daughter in XXXX, my husband my sister in law in Washington state, and my husband. By texting, calling and leaving them voicemails. They have now been sending letters. I have asked them to please stop, and they have become more threatening. Doxing my personal information to people. My age, name, addresses and phone numbers as well as debt information. 
I am fearful and afraid daily.

Company response to consumer: Closed with explanation