BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-14
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:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 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 XXXX XXXX XXXX, XXXX XXXX, DBA XXXX XXXX XXXX, DEPT OF EDUCATION/XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, Company Inquiries : XXXX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA USDAFSA XXXX XXXX. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bure are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2800.00}

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 2018-05-23
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
American Express has listed me as an authorize signer on a credit card which I never signed authorization for or gave permission to report on my credit report. I have made investiagations with XXXX to have removed from my credit as the balance keeps increasing and causing my credit score to decrease. I want American Express deleted off of my credit report and XXXX has stated they are not able to. However I report this investiagation to the other credit bureau agencies and they have deleted XXXX is the only company. I have sent an investigation almost every month since XX/XX/2017 and they still have yet to remove from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-23
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XXXXXXXX XXXX  sent out money from my account,. un athorised. - not with my consent., over drafted my account and sent it to collection to the Best Service Co.

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 2015-07-24
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am approximately 1 week late on a loan from Loan Me and they have consistently called me at least 6 to 8 times per day since XXXX XXXX from various phone numbers. I have emailed their representative advising him that I lost my job and need some time to contact them by the end if next week to make a payment arrangement. These collection calls are very aggressive and predatory. 
I do not know how to stop them from calling my phone all day and night!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: SYNCHRONY FINANCIAL
State: KS
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:
Last week I purchased groceries at XXXX XXXX. The attendant asked me if I wanted to open a charge card, I told her no, she asked if I wanted to up my membership I stated no. She said it was two questions I would be asked. I explained to the attendant I did not want an inquiry on my credit which is what happens when you open up a new line. I paid for my groceries and left. Then when checking my credit it says I have XXXX line of credit at XXXX XXXX. I did not agree to this line of credit, I have no XXXX Charge card in my possession and I specifically told the attendant I was not interested in opening a line of credit.

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 2021-06-16
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello, TD bank services the XXXX  & XXXX store card. They sent a statement to the wrong billing address after it was supposed to be updated at the store to my new address XXXX XXXX XXXX in XXXX they called to collect, I paid more than the minimum as I was unaware payment was due because they sent the statement to the wrong address. In XXXX they failed to change the address saying there was no change request even though it was on a recorded line that my address needed to be changed. They are charging an additional {$29.00} after sending another statement to the wrong address. It is not my fault that TD failed to send me a statement when I told them they needed to change this in XXXX of 2021

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/XXXX I went online to get a credit report thru Experian because I wanted to be certain an error in my report had been corrected. I understand that I am entitled to a once a year free report but they indicated there was a {$1.00} charge which I agreed because of its insignificance. Somehow in the application process they con you into an agreement that says in effect that if you do not cancel the membership within 7 days, there will be a recurring monthly charge of {$21.00} to the credit card required to pay the {$1.00} that is supposed to be free. Upon calling they readily agreed to cancel future charges but refused to refund the first month 's charge. THIS IS A TOTAL SCAM AND IS INTENTIONALLY DESIGNED TO GET PAID FOR WHAT IS SUPPOSED TO BE FREE BY LAW. These people need to follow the law or be put our of business as I suspect the number of people being scammed is substantially more than reported due to the relatively small charge. REDICULOUS!!!!!

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 2018-05-22
Company: Experian Information Solutions Inc.
State: MO
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 have contacted XXXX, XXXX, and Experian several times via phone and online many occasion in regards to inquires that I did not authorize or was not familiar with. It makes it look like I have been begging for Credit and I have not. I am trying to refinance something in my credit file and it makes it difficult when theyre checking credit and I have i inquires from places I didnt inquire Credit from. I have disputed and reached out to the bureaus several times and they say the same thing over, and over and sometimes they even hang up. The following inquires where not authorized are the following : 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 2020-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed Chapter XXXX bankruptcy on XX/XX/2020, in the United States District Court District of Minnesota Bankruptcy Court and my  Bankruptcy Chapter XXXX was discharged on XX/XX/2020. I had a credit card account with Kohls, and have a current balance and debt I owe Kohls, that was discharged in bankruptcy court. I want Kohls to update their records  immediately and accurately, showing I filed for chapter XXXX bankruptcy, my chapter XXXX bankruptcy was discharged on XX/XX/2020, and owe Kohls no money and have no debt with Kohls, due to my debt being discharged under Chapter XXXX bankruptcy. My bankruptcy attorneys and the United States District Court District of Minnesota Bankruptcy Court will be sending notification to Kohls Bankruptcy Department. Attached to this complaint is my bankruptcy discharge notice for Kohls Bankruptcy  Department review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-23
Company: The CBE Group, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
MY WALLET WAS STOLEN AND I DONT KNOW WHO TOOK IT. SOMEONE OBTAINED A CABLE BILL WITH XXXX IN MY NAME I HAVE NEVER HAD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: GREAT LAKES
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
MY IDENTITY WAS STOLEN AND SOMEONE HAS GOTTEN A STUDENT LOAN IN MY NAME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Equifax did not address my original complaint. CFPB COMPLAINT XXXX SUBMITTED ON XX/XX/2021 It appears they did not read it and just provided a 'canned ' response. My complaint stated clearly that I was unable to obtain my annual free credit report from them. I successfully received from XXXX and XXXX with no issues on line. I tried online for Equifax as well but was unsuccessful. I answered all the questions correctly in order to obtain my free credit report from Equifax. How could I obtain both XXXX and XXXX but not Equifax. I clearly stated I will not mail my SS #, DL #, etc. That is opening me up for fraud. And how would I know that if I mailed, whoever reviewed would not use my information for fraud. Isn't that the point of online? Not to sound political, but this sounds like suppression regarding ordering my free credit report. Similar to voter suppression in Georgia. And I never authorized Equifax to gather my personal credit information and release to banks, etc. That is why I want to see my annual free credit report from them to make sure the information they gathered is correct. Everything was correct with XXXX and XXXX. Again, Equifax didn't even address my complaint. They simply returned a 'canned ' response to make it difficult for me to obtain. If they had read my complaint, they would not have sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: TN
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:
These accounts and inquiries were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my 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 2023-01-24
Company: WELLS FARGO & COMPANY
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account was hacked in 2010 like most others

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 2022-11-27
Company: Experian Information Solutions Inc.
State: NJ
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 filed a complaint with the CFPB on XX/XX/2022, Experian notified me on XX/XX/2022 that they were opening a disputed to investigate the accounts in questions and it should take 30 days and the dispute will be completed on XX/XX/2022. However, on XX/XX/2022 Experian notified me that the dispute was complete and that accounts remain on my report. Experian has failed to complete thorough investigation of the following accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The other bureau has permanently removed the accounts from my reports as these accounts listed above has violated my rights. 
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 by more than seven 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 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 2023-01-10
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern, My name is XXXX XXXX XXXX And my Husband name is XXXX XXXX Loan No. XXXX Address : XXXX XXXX XXXX XXXX XXXX, Fl XXXX Our complaint is against the mortgage company XXXX, XXXX On XX/XX/2022 We have sent an insurance payment check for the amount of {$17000.00} To the loss draft department attached with the settlement letter. 
They should endorse the named check an returned to us. We had tried to get in contact with the processor or supervisor to help us with this matter. We'll appreciate your help. 
Respectfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-08
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XX/XX/XXXX, I nearly lost an M & T Bank savings account with a balance of {$16000.00} to " escheatment, '' defined as " reversion of property to the state when no legal heirs or claimants exist. '' I had opened the account in XX/XX/XXXX, signed up for online banking, regularly went to the website to get my monthly statements, and suddenly discovered that only my checking account remained. I called my M & T branch to investigate the missing savings account and was told it had been deemed " dormant '' and was reported to the State as " abandoned funds '' because I had not made a deposit or withdrawal since XX/XX/XXXX. ( Under Maryland " unclaimed property '' laws, the State can legally grab bank-reported " abandoned '' accounts after only 3 years. ) This was an eventuality no one had warned me of when I opened the account, and I had never received a notice from M & T Bank -- written or otherwise -- that my savings account was in jeopardy owing to " inactivity. '' When I went in person to my M & T branch to show ID, sign a form acknowledging I own the account, and prove I was still alive and kicking, the account was restored to " active '' status, and my savings account reappeared online. I set up $ XXXX  monthly transfers from my checking account ( always very active ) to my savings account to prevent escheatment ever happening again. I want seniors to hear my story. If you think your nest egg is safe because it's in the bank, you should double-check.

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 2019-03-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Fifth 3rd Bank was my bank for many years, and I finally closed my account in XXXX after many years of wrongly being charged for insufficient funds when I actually had the money in my account. This bank does not follow first in, first out guidelines when paying out my funds. They pick and choose which checks they honor, not based on when the checks get processed, thereby causing overdrafts in large numbers. For the year XXXX, they charged me over {$2000.00} in overdraft fees. They also several times held my deposits for over 2 weeks citing the reason being that I had excessive overdrafts! 
I was so upset over the fees in XXXX that I didnt look up the fees for XXXX or XXXX, but even if they decreased by half, that is still a total of {$4000.00} over just 3 years! The reason I didnt close my account earlier is that I got ill and had to concentrate on my health, and as well, I had all my bills attached to Fifth 3rds automatic bill pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 the account ( A ). It is not permissible to fail to validate the reporting account 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 : XXXX XXXX XXXX {$370000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
A consumer/victim statement was made on my identity and it was made in error I would like to have it taken off my credit report because I can't get a loan access my accounts or fix any account ts until its is removed an its thru trans Union I was told that they needed to ask me some questions but wasn't able to access those questions I called them for 4 hours tried  submitting documents online to no avail the information is XXXX XXXX XXXX XXXX XXXX XXXX, Ms XXXX the last digits of my social is XXXX The reference number is - XXXX And its addressed to ATTN : CONSUMER 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 2023-05-04
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 inquiry on my credit report is unauthorized and has no relation to me. Kindly remove it from my credit report 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 non-monetary relief