BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX suspected fraud activity inquiry dateXX/XX/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 2022-03-30
Company: LendingPoint Holdings LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Lendingpoint LLC offers financing to XXXX sellers I applied for financing for my XXXX store on XX/XX/XXXX and was approved for a loan. I paid the loan off within 6 months though I had 36 months to pay. I reapplied for another loan on XX/XX/XXXX and was denied due to too many inquiries which were on my credit report when I applied back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Experian Information Solutions Inc.
State: NJ
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:
The following Experian and XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This is showing to be late but it also says its been transferred. Additionally, the balance is already {$0.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( 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 2019-05-04
Company: Experian Information Solutions Inc.
State: IL
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 disputed with Experian over 15 times about a negative XXXX XXXX XXXX XXXX that's on my credit report in every dispute I requested a written sign contract with my signature on it they have failed to produce the original signed contract I don't understand why they keep violating my rights under there Fair credit reporting act I want this account deleted ASAP do to them violating my rights and the Fair reporting act

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 2017-07-27
Company: BARCLAYS BANK DELAWARE
State: MI
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I previously notified Barclay Bank that I am a victim of identity theft, and requested them to do the following : Close the unauthorized account Remove all the unauthorized charges from my already opened accounts? Remove any charges on the unauthorized accounts, and Take steps to remove information about these account from my credit files. I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company and my already opened accounts were used without my authorization. I did not open or authorize this account and charges, and I request that it be closed immediately and all unauthorized charges be removed. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my Police Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. Please send me a letter explaining your findings and actions. Sincerely, Enclosures : Identity Theft Police 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 monetary relief
Consumer complaint received 2019-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The following accounts do not belong to me. I have contacted these companies several times as well as the bureaus to have them removed. These accounts do not belong to me 1 ) XXXX XXXX XXXX Opened XX/XX/XXXX {$27000.00} 2 ) XXXX XXXX XXXX XX/XX/XXXX {$19000.00} 3 ) XXXX XXXX XXXX XXXX XXXX {$66000.00} 4 ) Credit Inquiry on XX/XX/XXXX XXXX  XXXX ( REMOVE because someone applied for credit in my name )

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 2022-08-09
Company: Affirm Holdings, Inc
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
My bank shows that a payment of {$96.00} cleared on XX/XX/2022, but Affirm says it didn't and provides absolutely no way to contact them. The message from Affirm instructed me to reply to the message ( " If you need help, reply to this email, '' ), but it was configured to reply to XXXX XXXX XXXX and accordingly immediately replied to my message saying, " Thanks for getting in touch. We're not monitoring this inbox [ .... ] '' I tried manually replying to the address the message was sent from but have not yet received any acknowledgement or response. When I tried to find a way to contact them on their website, it gives me menus that result only in circular references to the same FAQs and menus. When I tried to use their chat agent, it went through some prompts with the same subjects as the FAQs, then said they'd need to get an agent and requested that I log in, and asked me to enter what I was contacting them about, and soon said no one was available and again referred me to the same circular FAQs and menus. Affirm 's website seems to show the payment did post, but they sent the email nonetheless, so I don't know.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
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:
I noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was released because of military service and me going to XXXX and not being able to take the phone so per military clause they closed it. It was already removed from credit bureaus and I was just able to open a new account with XXXX which would never happen if I had a current debt with them. Now it creeped back up and is showing on my report. I'd like it removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
a number of hard inquiries are on my account that have not been removed, even though I had requested that was done. they are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am a victim of identity theft, and I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. 
I contacted the Companies, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets 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 2022-02-04
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: Their investigation did not fix an error on your report

Complaint:
I the consumer have been violated by EXPERIAN, they are furnishing information I did not give written instructions to, with furnishing information that is violating my right to privacy and is identity theft. Ive demanded the information be blocked from my consumer 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 non-monetary relief
Consumer complaint received 2022-02-04
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XX/XX/22 Received via US mail a packet of blank checks from TD Bank, with an account opened in my name, and the checks had my name, address, and cell phone number printed on them. These were unsolicited materials, and I did not open an account with TD Bank. I do not have any business with TD Bank. 

XX/XX/22 Received via US mail three separate letters from TD Bank, each addressed to me, each referring to different bank account numbers and each documenting deposit and credit transactions that I did not make, with bank accounts I do not have. 

XX/XX/22 I reported the account/bank fraud to TD Bank , and confirmed with three credit bureaus that my credit is frozen. 

XX/XX/22 I will be contacting my personal bank to report banking fraud in my name, and I will be contacting my local sheriffs office about the TD Bank fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-27
Company: EQUIFAX, INC.
State: SC
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 'm in compete disbelief at the lack of credibility that this bureaus holds. I have submitted a multitude of disputes with evidence " validating '' my finds and indicating Equifax 's discrepancies. Without a shadow of a doubt you have confirmed your lack of wherewithal and utter failure at upholding the FCRA standards of practice 611 ( a ) ( 5 ) ( A ) ( i ). To state your investigation practices are blatantly incompetent is an understatement. I submitted a dispute roughly around XX/XX/XXXX. I am just now being notified of the results. The results are a complete contradiction of not only another investigation Equifax conducted but of the actual " debt collector '' falsely claiming I owe them. On XX/XX/XXXX XXXX XXXX informed me they have NO record of my debt and will be notifying you. So what investigation did you conduct? Who did you contact? What verification code did you issue, to verify your findings? At this point, it is very clear your response will be false on a number of plateaus. Please be advised, under the 15 U.S. Code 1681i, all unverified accounts must be deleted. Therefore, if you are unable to provide me a copy of validated proof that you have on file for EACH account listed on my report. You must REMOVE these accounts immediately. Upon doing, so I am requesting an updated report demonstrating the necessary corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: Consumer Portfolio Services, Inc.
State: IL
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:
It looks like a bunch of car dealerships pulled my credit report which was not authorized. I have a new car that I bought two years ago and I am not and will not be looking for a new car anytime soon. This was done without my authorization and obviously constitutes fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: ALLY FINANCIAL INC.
State: IL
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:
It looks like a bunch of car dealerships pulled my credit report which was not authorized. I have a new car that I bought two years ago and I am not and will not be looking for a new car anytime soon. This was done without my authorization and obviously constitutes fraud

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 2019-05-04
Company: FIRST NATIONAL BANK OF OMAHA
State: NC
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:
statement date XX/XX/19 last bar. XXXX charge XXXX XXXX payment XX/XX/19 XXXX payment XX/XX/19. XXXX statements date XX/XX/19 last bal XXXX late chg XX/XX/19 XXXX late charge was applied because I made early payments I have other cards that recognize early payments made before cycle end and do not make charges. 
I was told I needed to understand how there system works. there is not anything on their web site that states that they do not recognize these payments as satisfying a payment due in a statement due out in the next few days. 
I was penalized for early payment and payments that far exceeded any payment amount

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 2021-08-16
Company: Peak Acceptance, LLC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: DISCOVER BANK
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Discovered closed acct with out my consent and for no reason. After attempting to make pmnt thru bank. Pmnt returned due to funds not avail yet. I tried to remake payment they stated acct closed!. I asked why?. They said over limit! 
I said thats no reason to when ive made several pymnts since i received card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: FinCo Services Inc DBA Current
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021 My card was used to purchase crypto currency without my authorization. The charges were by XXXX payments. XXXX unauthorized charges were made, XXXX for XXXX the XXXX  for XXXX. Multiple attempts using the wrong card information were declined before the XXXX charges were successful. I bank with Current, I disputed the charges but was told the charges were valid. I requested the information used by them to come to the conclusion that the charges were valid but have not received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Both my joint savings and my personal savings were blocked on XX/XX/XXXX. It is now, at the time of writing, XX/XX/XXXX and my funds are still unavailable. The bank refuses to unblock my account and refuses to help me with my funds. I have bills to pay and all they tell me is that, The information is private and we cant do anything else. 

I have bills to pay and I cant if my money is not being released.

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 2017-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In year XXXX, I had taken a loan amount of {$62000.00} to open up a restaurant in New York. Initially I was delinquent on my payments because my business was n't doing good. In XXXX, I was approached from debt collector company called XXXX XXXX XXXX XXXX ( Bank of America ) and was given the chance to consolidate {$60000.00} of my debt to {$21000.00}. I took the opportunity and paid off the debt in the following two years. I have a settlement letter and bank statements showing that money was taken out of my account. Two weeks ago, I got served with a Foreclosure notice from Debt Collector company XXXX XXXX XXXX XXXX XXXX ( Bank of America ) requesting an amount of {$62000.00} to be paid off or they will foreclose my home to collect the debt. I want to file a complaint against XXXX XXXX XXXX company for attempting to collect debt that was already paid off.

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 2018-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
On my TransUnion credit report, under Public Information, there is a State of Maryland tax lien that has been reported since XX/XX/XXXX. I have been challenging this item for years, because the lien may list my correct name, but it does not list my correct address and does not list my social security number or my birth date.  The credit bureaus are only verify my name, but are not verifying other identifies such as address, SS number and date of birth as required by the law that went into effect in XX/XX/XXXX.  I have been fighting this for several years and I cannot afford to have this on my credit report, especially if the information is not correct.  I have been able to have it disputed and removed from the XXXX and XXXX credit bureaus, but TransUnion is not doing a thorough investigation.  Please help me get this resovled.

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 2021-12-23
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:
This is XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/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 2022-02-04
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There was a little over {$300.00} on this joint account I had opened with my spouse that was flagged for fraud. Citibank, debited the amount but we dont have it. We have checked all of our other bank accounts and nothing was debited. When we discussed with multiple banking locations, nobody seems to know where that money went. 

We just need our 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