BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-15
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: Information belongs to someone else

Complaint:
I have disputed the following false accounts on my credit report with Experian : 1. XXXX XXXX XXXX account XXXX 2. XXXX Credit Card account XXXX 3. XXXX XXXX XXXX account XXXX 4. XXXX XXXX XXXX account XXXX 5. XXXX XXXX XXXX account XXXX However, instead of investigating and deleting these false disputed accounts, on XX/XX/2020 XXXX refused to investigate and frivolously alleged that I somehow DID NOT AUTHRIZE MY OWN COMPLAINT without any explanation as to how they arrived to this conclusion.I also note that I have provided all my ID information as required by CFPB : full name, date of birth, last 4 digits of social. 

Please investigate and delete these false accounts asap.

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 2022-08-08
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 CALLED TRANSUNION AND SPOKE WITH XXXX XXXX, SUPERVISOR, ABOUT REMOVING INFORMATION FROM MY CONSUMER REPORT. XXXX STATES ANY ACCOUNT STAYS ON MY CONSUMER REPORT FOR AT LEAST 7 YEARS AND IF I WANT IT REMOVED, I NEED TO CONTACT THE ALLEGED CREDITOR OR DISPUTE IT. I ASKED XXXX IF TRANSUNION HAS MY WRITTEN PERMISSION TO FURNISH ANYTHING ON MY BEHALF, HE SAID NO. THAT IS A VIOLATION OF TITLE 15 USC 1681B ( A ) 2. IT IS ALSO A VIOLATION OF 15 USC 1681 ( A ) 4.

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 2021-02-10
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:
From previous claim of dispute of my public record. Attachment proof from the court.

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 2018-04-16
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Per the letter I received from XXXX if I didn't pay my final bill they would automatically withdraw {$600.00} out of my account. They withdrew {$600.00} on XX/XX/2018 from my credit card. I am disputing the posting of the collection account on my credit report by XXXX XXXX. I would like for them to remove this account from my credit report due to the fact they had no legal reason to report the debt nor did they own the debit and the debt was paid to the original creditor ( 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 2021-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX is reporting incorrectly to all three of my credit bureaus. If all of the information comes from the same source why is it reporting differently on all three bureaus. On XXXX  and XXXX it has an open date of XX/XX/2019 and on Transunion its XX/XX/2019. It also shows a credit limit of XXXX on Transunion and XXXX but XXXX credit limit on XXXX. Being that all of the information reporting isn't correct this needs to be deleted from all three credit bureaus ASAP.

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 2019-11-14
Company: American First Finance, Inc.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The account is showing as being included in my chapter XXXX bankruptcy on my XXXX  credit report, the account was paid off before I filed bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: CITIBANK, N.A.
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I enrolled in an offer that stated I would receive 5 % back on online purchases made between XX/XX/2020 and XX/XX/2020. On XX/XX/2020 I purchased {$500.00} on XXXX. I expected to receive 5 % of {$500.00} which is {$25.00} but I only received {$7.00}. I have attempted to contact Citi regarding this issue. The customer service representative has reviewed my account and confirmed the discrepancy. The issue was escalated but I received a letter stating that no action was taken to resolve the discrepancy. I would like to receive a credit for the remainder in the amount of {$17.00}.

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 2019-04-20
Company: ACS Education Services
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
In XXXX ACS took out FOUR payments at once & I need my money back, I don't need to be ahead until XXXX. Loan sold to XXXX & their # is disconnected! I literally have no clue if Conduent is my servicer because I can't reach anyone & no one is sending me bills because I'm paid ahead. Please help! 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
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 information incorrect

Complaint:
Transunion page 10 of 11 File Number XXXX alternative credit inquries inlast 3 months 2 and last 6 months 2 I have not applied or requested credit for nothing.

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 2020-05-05
Company: Amcap Investments, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband and I are currently in a right to purchase agreement with our landlord, and we wanted to buy the home from them. We decided to apply for a mortgage loan in the Early part of XXXX with Gold Financial Services. We did application process and we were pre approved for a loan. We sent the necessary paperwork over, and began the process. After careful review of the paperwork, we decided to use my credit score and information for a better rate etc.. The loan officer at that time told us that FHA was the only loan that I qualified for without the use of my husband ( XXXX and his CPA was still working on his taxes ). USDA was out because of income. He never mentioned a conventional loan or any other types of loans to us. I asked him did student loans count and was told NO. My husband was present. I was not made aware that with FHA your student loans had to be 1 % of the payment to qualify. I found out at the very last minute after I had to jump through many hoops and produce letters many times a couple days before closing at end of XXXX. I have text messages from the loan officer telling me at the last minute about the FHA loan policy and then he advised me to sell my car to my husband to reduce my income to debt ratio a couple days before closing. These unforeseen circumstances caused my family and me financial hardship. We are now having to pay a higher rent fee because we missed to the deadline to move out of our current home. The loan officer and branch manager breached their fiduciary duties.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 I'm disputing does not belong on my credit report for the simple fact they do not belong to me. I'm demanding that the 3 major leading credit bureaus remove them immediately. If the reporting agencies can not share their Method Of Verification with me as my consumer rights in accordance with the FCRA laws then these accounts shall be blocked immediately. The accounts are, XXXX And XXXX {$1500.00}, XXXX, and 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 2018-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
Wrong address XXXX XXXX XXXX XXXX never lived there

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 2019-04-20
Company: EQUIFAX, INC.
State: NJ
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:
I have tried to get an Equifax report for over a year. They are the ones that had my information in data breach. I have identity theft and I had major issues that still affect me and they will not give me my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2019 i recieved a email from paypal stating my account is being closed & my funds being help for 180 days. But will not tell me why. i was told once it could possibly be for customer disputes but i have never sold a thing i use it for family to send me money. I have done nothing wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume no proof of the alleged debt, therefore any such debt, in fact exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 a victim of identity theft. The following accounts and credit inquiries are listed on my XXXX XXXX and Trans Union credit report, are all fraudulent and unauthorized : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX DC, XXXX, XXXX, XXXX, XXXX Card, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, i never applied for credit or accounts with any of the creditors listed above.

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 2019-04-20
Company: AES/PHEAA
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I requested a manual payment re-count ( payment tracker ) for qualifying payments for the PSLF program in XX/XX/2017 as my payment count was miscalculated - I am STILL waiting despite many phone calls to address this. No one can tell me how much longer this will take.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 30 days late payment on the date XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-05
Company: Experian Information Solutions Inc.
State: NC
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 disputed a public reporting with Experian which was 2 bankruptcy filings that shows dismissed. I was told that the information reporting came from XXXX XXXX. I contacted XXXX XXXX and initiated a dispute in which they came back and deleted the reporting from my files. I received an updated report from XXXX XXXX along with information about why they deleted. I then forwarded this information to Experian for them to review and update my file and delete their public reporting to match XXXX XXXX. Experian refuses to update my file and claims that XXXX XXXX validated the reporting which is not true, because I spoken with XXXX XXXX and received a new file from them showing NO BANKRUPTCY reportings. 
XXXX XXXX update reporting came to me on XX/XX/2020 Experian finalized their " investigation '' for my dispute and updated me with NO changes on XX/XX/2020.

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 2019-04-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase Bank froze my funds and restricted my account without notifying me which has caused me to miss my rent payment. I have over {$1000.00} sitting in my checking account and I need to pay me rent. 

Chase is also threatening to close my account but they will not tell me why. I have spoken to several representitives over the phone and sat in the branch for an hour to try to see what the issue is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: FULTON FINANCIAL CORPORATION
State: PA
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:
I didnt give bank the permission option in XXXX XXXX XXXX XXXX. My account is being hit with this fees every day and putting my account way over limits that I cant pay and I have bills myself to pay!!!! 
I have a direct deposit and if dont hit my account before bank does I dont have any 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
Consumer complaint received 2019-04-20
Company: Carvana Group, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
In late XX/XX/XXXX I was approved for an auto loan with XXXX XXXX. In the loan docs they indicated that if they were " unable to register my vehicle I would receive that amount back ... '' ( because they have provided no service ). Almost every other day I get an email indicating I have " registration issues/flags that need to be cleared .... '' before they can register the vehicle. I am aware of that ( additionally when the rep came to my home to deliver the new vehicle she also indicated that " I could register the vehicle myself and they would give those funds back to me '' ). I even called the company and told them this would take a while because I was a victim of fraud/identity theft and the person has over {$1000.00} in fines and fees that I can't afford to pay in whole at this time. I actually have to go into the MVA to clear those fines and then I can enter into a payment arrangement while at MVA. Also MVA would be able to register my vehicle in addition to purchasing plates. The company is finding any and every way possible not to return the funds to me. I even presented them with a page from their own contract and my signature stating such ... their response, " my Supervisor said that this isn't [ applicable ] in the situation so we can't refund the charge ''. It's just a lame excuse not to send the funds back to me. I told them that they, " should not have put that information in writing if that was the case ... ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX, Experian and XXXX has fraudulent charges on my credit. The company that reported this XXXX XXXX XXXX in XXXX was involved with corruption and I exposed their unethical business practices. There is no court order for any {$3000.00}. I paid my rent on time every month for 9yrs and have an excellent credit except their derogatory and fraudulent report of over {$3000.00}. This company was robbing rich students, tampering with Federal mail, going in units when residents not home, forged signatures on documents, manipulating and intimidating using police to do their dirty work. XXXX XXXX was the manager and was fired after I exposed to various organizations. FBI, news media and other social media. XXXX XXXX XXXX is evil wicked and greedy for money. These reporting agencies are reporting inaccuracies. This fraudulent charges was retaliation for exposing them. XXXX XXXX XXXX in XXXX placed brown newspaper to cover their office windows then painted it half white so no one would see their staff. Then changed their name to fool people. They are located at XXXX XXXX XXXX in XXXX, XXXX. They are the same company but change their name to fool people. They are charmers, deceptive evil, wicked and greedy robbing rich students and turn on American citizens.

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 2022-08-08
Company: Experian Information Solutions Inc.
State: PA
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:
In accordance with the Fair Credit Reporting Act XXXX account XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXXXXXX ( XXXX ) ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXXXXXX ( XXXX ), XXXX XXXX XXXX XXXX  ( XXXX ), XXXX XXXX XXXX ( XXXX ) 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.

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 2018-09-14
Company: SUNTRUST BANKS, INC.
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
CFPB : I would like an inquiry in the handling of wife XXXX XXXX XXXX joint checking account with daughter XXXX XXXX by SunTrust Bank for refusing to release funds and information on XXXX XXXX  portion of account. 

I recently try to close out her account because she is now decease and she had funds with daughter in account since I have been unable to reach her concerning matter. 

I tried to contact bank myself. 

The bank manager was contact to assure account was froze and didn't compile and 800 number is non accessible. 

so we will like file 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 2018-04-29
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IC system. XXXX XXXX. Open XX/XX/2016. For {$410.00} Placed for collection

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 2019-04-20
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was checking my credit report and I noticed a collection from LVNV company. I received no notifications from this company to validate debt, also I am Filing fraud with FTC due to numerous accounts being open in my name. I am a senior citizen and my information have apparently been issued out to strangers. I would like for them to validate the account is mine. I do not owe such debt.

Company response to consumer: Closed with explanation