BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/2023 I pulled my credit report and saw that Experian was reporting a collection from XXXX without my consent and violating. 

XX/XX/2023 I mailed my letter to Experian requiring them to provide validation that this is my debt. 

XX/XX/XXXX Marked 30 days for them to review and address the situation. They have not validated or provided any dispute results. 

Pursuant to Fair Credit Billing Act 15 USC 1666 Experian can not report negative information about me until the investigation is complete.

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 2020-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX has incorrect personal 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 2020-04-17
Company: Experian Information Solutions Inc.
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:
Dear Experian : I really need your help because at this point I dont know where to turn. I had my coffee, opened the mail and I saw three letters. One from all three credit bureaus. I felt that there was wrong information on my credit report so I challenged them. But what struck me was that the other two bureaus removed the information I challenged, which was the following : Creditor : XXXX XXXX For some reason your company did not remove it. Im a little confused here. How is it that the other two bureaus removed the inaccurate information and your company did not? I thought you were contacting the same furnisher about this inaccurate information. If the furnisher verified that the information was incorrect with the other two bureaus, then why would they not do the same with your company? Are you sure you contacted them because this inaccurate information is stopping me from getting approved for credit, and Im starting to get upset. Believe me, it takes a lot to get me upset. I think your company made a mistake with this account given the fact that the other bureaus found that these accounts were inaccurate. Now, Im not a complainer, but I do need this fixed. I need this error resolved immediately. I was told that if errors are not fixed, then I can complain to the FTC about your company. I dont want to do that but I will if I have to. 

Please check with the furnisher and fix this problem.

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 2019-06-26
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:
l have contact all three credit bureau and stated that have been a victim of identity theft. I was told to send certain documents to prove that i was victim of identity theft. I sent all documents on XX/XX/XXXX and placed a fraud alert on my credit and the fraud accounts are still 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 2018-10-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax won't verify me unless I provide a credit report to them. 

I called XX/XX/XXXX to unfreeze my credit report. I could not do this online because when I froze the account in XXXX, they did not have an online account system in place. The customer service person proceeded to ask me for the usual info : name, social security number, address, birthdate, and Equifax PIN That was not enough to verify my identity. They asked me : - my mortgage company name and monthly payment amount - all the credit cards I have and the balances - whether I have ever had a bank loan in my ENTIRE life ; who the lender was and what the amount was At this point I got mad and asked to speak with a supervisor. While on hold, I went online and tried to set up an online account which asked me for my name, social security number, address, birthdate. 
I asked to unfreeze the account and, shazam, it was done. 
Then, the so-called supervisor picked up and I asked why they needed so ask me so much on the phone when the online account management was so much easier. Of course, she didn't even address my question, but continued her script and said that she didn't know but next time I should get a copy of my credit report before I called. 
Here 's my question : if my account is frozen, can I even get a copy of my own credit and if Equifax can't verify who I am, how can I get a copy of my report?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Experian Information Solutions Inc.
State: NV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX reported a 30day late payment on my credit report for XX/XX/XXXX. I called them immediately upon seeing this, I was told by the customer service representative XXXX, that my payments were never 30 days late and that I need to submit this in writing and fax it to them. I did exactly what was asked of me. It was confirmed on my credit report. I called them back and spoke to customer service supervisor, who reviewed my account and verified that info not have any 30 day late payments and indicated I need to fax ( again ) a letter indicating this information. I made a payment XX/XX/XXXX which was late however not 30 days late. I again submitted a payment on XX/XX/XXXX and paid the account off on XX/XX/XXXX never submitting a payment over 30days.

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 2019-03-26
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received multiple phone calls from companies claiming to be representing loans serviced by XXXX XXXX. I did originally take out student loans from XXXX XXXX, but they were paid in full many years ago when I consolidated my loans, and those consolidated loans are also paid in full. In addition, XXXX XXXX hadn't serviced my loans for years when they were paid. These calls appear to me to be a scam so I have refused to answer any questions when they call. They always want me to tell them my birthdate which I refuse to do. The most recent call was supposedly from someone named XXXX XXXX at Radius Global Solutions, apparently located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX KS, XXXX. I really want these calls to stop as it is concerning to me that these people have some information about me, but not correct information and are looking for more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: MoneyLion Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I opened a single small loan with Moneylion. They took a credit reserve in my name for over {$1500.00} when my loan was for about {$800.00}, and I never received the full amount they took out in my name. Once I had it paid off, a secondary loan was taken out in my name. The company has repeatedly withdrawn money from my personal debit account even after Ive unlinked all of my banking information. Whenever I call to report this as fraudulent, their phone service hangs up on me.

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 2023-02-17
Company: EdFinancial Services
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was enrolled in XXXX XXXX XXXX for a month for XXXX XXXX  and XXXX until they got my FASFA and my loans and then they got a background check on me and because of my past they keep me out of school after they got my money it's called a scam I think!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
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 has not reported the payments I have made to them, to XXXX, XXXX and Transunion since XXXX XXXXPlease update this reporting.

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 2019-06-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In mid-November 2019, BOA advertised a promotion for {$100.00} if you have direct deposit for 90 days. I visited the XXXX, MO, location and opened the checking account on XX/XX/XXXX. My direct deposits have been made biweekly since ; however, I still have not had the {$100.00} credited to my account. I have followed up several times by calling the customer assistance number, each time getting a different person and location ... even someone in Alabama. One representative told me I have to wait 180 days to receive the {$100.00} credit. In XXXX when I followed up, I was told the representative forgot to notate my account but the matter has been escalated. I have not heard back at all since that time. I have been getting the runaround and I feel BOA is being deceptive in their advertising. I want my account credited immediately for the {$100.00} advertised and an additional {$25.00} for the lost interest and use of the funds. I should not be penalized for their error.

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 2021-01-29
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received an alert from XXXX XXXX  alerting me that I voluntarily closed my Toyota Financial account. I just simply paid off my loan. Considering that there is an existing investigation with Toyota, I should not have a closed account. If anything, the account should say PAID IN FULL. My XXXX Credit score decreased by 58 points due to this error. I have been paying this loan for a little over 6 years and am very aware that if I voluntarily have Toyota Financial to close the account, I lose Credit length and perks due to paying a loan in full. This needs to be put back on my report. Removal of this from my report is a derogatory mark. It makes no sense considering that I still have an open dispute on an account that has an open dispute. I called yesterday and the rep said that maybe the credit bureau removed it, because Toyota has not yet reported. Reporting happens at the beginning of the month, according to the representative. I do have my title but I never voluntarily agreed to having a closed account and derogatory mark on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: AR Resources, 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:
XX/XX/2018 I mailed in a certified letter to XXXX for AR Resources INC, requesting Debt Validation, and to be legally validated in 30 days from the date of the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Square Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2020, my company XXXXXXXX  XXXX ran it's first payroll run with Square Payroll service. I was repeatedly reminded and solicited advertisements for their payroll service. Immediately after withdrawing the funds for ACH payment, Square Inc deactivated my payroll service account without notice. Their reasoning was the fact that they can deactivate anyone 's account if they feel like stealing their money. Anyways when I tried contacting Square Inc my attempts were blocked. When I figured out a way to get around their blocks that prevent customers who had their money stolen and they then blocked my phone number. They kept telling me different dates at which the money would be returned and I realize now that there was never any intention on returning the payroll funds Square stole. Originally it was 60 days but the funds were never returned. This is a repeated pattern of behavior by Square apparently, judging by their social media mentions. It seems like pretty textbook ACH fraud. All in all, Square stole over {$17000.00} from my company and put it out of business. I have bank statements and emails verifying all my claims in the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: EQUIFAX, INC.
State: NC
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 XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: EQUIFAX, 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 been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will file an FTC and CFPBB ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: SYNCHRONY FINANCIAL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Your above referenced account ending in XXXX was closed and a new account number ending in XXXX was created for security reasons CLOSE THAT ACCOUNT OUT PLEASE HELLO Subject : CFPB Case XXXX Synchrony XXXX  Credit Card Account Number Ending in XXXX Dear XXXX XXXX : On behalf of Synchrony Bank, I am responding to your concerns raised through the Consumer Financial Protection Bureau ( CFPB ). I appreciate you bringing this matter to my attention. I attempted to call you on XX/XX/2020 in order to discuss your concerns ; however, I was unable to reach you. 
On XX/XX/2020, we opened a fraud claim and referred the case to our Fraud Department for investigation. 
Your above referenced account ending in XXXX was closed and a new account number ending in XXXX was created for security reasons. Our investigation concluded on XX/XX/2020, with the fraud claim resolved in your favor. The enclosed letter was mailed to you on the same date explaining the outcome of the fraud claim investigation. Additionally, the credit bureaus were notified to delete any derogatory information pertaining to the fraudulent transactions from your credit bureau report. Please allow up to 60 days for the credit bureau to update. 
Synchrony Bank takes fraud seriously and we certainly regret any inconvenience you have experienced. 
We would like to stress compliance is very important to Synchrony Bank, and we follow all applicable laws and regulations. Your account is also important to us, and we strive to serve our accountholders in a timely and satisfactory manner. We regret any dissatisfaction you may have  experienced regarding this account Thank you for the opportunity to respond to your concerns raised through the CFPB. If you have additional questions regarding this matter, contact me at XXXX XXXX XXXX XXXX, extension XXXX. I welcome the opportunity to assist you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 to fair credit reporting act XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A section 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 2020-04-17
Company: EQUIFAX, 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:
XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Flexible spending credit card Credit Card - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$8400.00} {$8400.00} {$8400.00} No. of Months ( terms ) : 0 0 0 High Credit : {$8400.00} {$0.00} {$8400.00} Credit Limit : {$7400.00} {$7400.00} {$0.00} Past Due : {$8400.00} {$8400.00} {$8400.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Canceled by credit grantor Account has been closed due to inactivity. Unpaid balance reported as a loss by the credit grantor. 
Charged off account Accounts closed by credit grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Late Payment Status : Was 30 days late 2 time ( s ). Was 60 days late 2 time ( s ). Was 90 days late 1 time ( s ). Was 120 days late 1 time ( s ). Was 150 days late 1 time ( s ). Was 180 days late 1 time ( s ).

Was 30 days late 2 time ( s ). Was 60 days late 2 time ( s ). Was 90 days late 1 time ( s ). Was 120 days late 3 time ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I recently sent letters over 60 days ago to this bureau and they are disregarding my consumer dispute. Im stressed and have been sending letters before this and still no response. I am at the end of the road and filling this complaint. At this point I dont know what to do, about getting these items removed from my credit report. With these items on my report I am unable to get employment in my field and having difficulty finding housing. I would greatly appreciate your help.

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