BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-15
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize these inquiries from mortgage companies. I only inquired about rates and they ran my report without my approval. 

XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/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 2023-04-25
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:
Again, I was a victim of identity theft and I wil be submitting this CFPB Complaint to request to remove the Fraudulent items from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and up-to-date credit information. The fraudulent inquiries listed on my credit report are in direct violation of this right. I need the following items removed as soon as possible : XXXXXXXX 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 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 XXXXXXXX. I would like to point out that the FCRA requires credit bureaus to investigate and respond to consumer disputes within 30 days. Since it has now been three months since I began disputing these inquiries, I expect immediate action to be taken.

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 2022-11-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A company named " XXXX '' is the payment servicer for the US Department of Education. On XX/XX/XXXX, XXXX cashed my full {$7700.00} student loan payment. United States postal service sent me a copy of the signed delivery confirmation upon delivery to the XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, MO XXXX. As of today, XXXX, the financial payment service for the United States Department of Education claims my student loan payment is " unable to be located. '' I have shared the original copy of the XXXX employee 's signature on the delivery confirmation and the XXXX employee 's signature on the payment receipt for cashing my {$7700.00} payment. It is shameful that XXXX is illegally reporting student loans as outdated collections on credit reports after cashing customers ' checks for nearly XXXX XXXX dollars. After cashing my student payment of {$7700.00} XXXX refuses to correct my credit file to report the status as " paid in full. ''

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 2021-06-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I called Bank of America on XX/XX/XXXX @ XXXX XXXX  EST and spoke to an associate named XXXX from the South Carolina call center to question a monthly maintenance fee that was charged on my savings account. The associate placed me on a silent hold for 14 minutes. I asked if she was still with me on the line. XXXX responded yes. XXXX stated that I was charged the {$12.00} dollar fee because I did not have a checking account and this is why I was not under the BOA Rewards Plus program. I advised that I do have a checking and savings account with BOA and I was always a member. I asked to check the history since I was always a Rewards member. She was not professional and did not want to give me the courtesy credit. When I asked for the supervisor, she was laughing at me. I stated what was so funny? At this point, I felt I was mistreated and not valued as a client. This is not the XXXX XXXX XXXX, it's a poor customer contact. I waited for a supervisor for another 15 minutes until I spoke to XXXX. I advised the supervisor to listen to the call and provide the necessary coaching and possibly disciplinary action that is required to change the associate 's behavior towards customers. Even though I received the adjustment, I am not satisfied with the level of treatment provided by BOA and I will close the account and move my money somewhere else. This is unsatisfactory and not acceptable. The supervisor did not explain what will happen in the foreseeable future if I would be billed the recurring {$12.00} dollars on a monthly basis. In addition I have never received notification that I was removed from the program. BOA just charged me without proper notification.

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 2023-04-25
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:
On my fourth endeavor i would like to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud. These are the items i am complaining : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX 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 2020-02-05
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A lawsuit was filled in the county court for a debt that I have never received written notification for. When I go on my credit report, its there but with vague information, not saying anything other than Citibank, which I had one account with that was taken care of years ago. It also states that this account was opened on XX/XX/XXXX but the date of first delinquency is 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 explanation
Consumer complaint received 2022-12-29
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Already submitted a complaint and was told it was fixed, received a check in the mail today ( XX/XX/XXXX ) for {$420.00} after i was told the funds would be moved to the appropriate card which they were not. My card now shows a {$530.00} balance due XX/XX/XXXX and im completely fed up with this whole situation. I would like to have this dealt with as it's been on my mind since XXXX now. I will pay the original balance before all the added on fees from my payments not being processed as long as i can be guaranteed it will go through just fine. Don't want this to affect my credit as im surprised it hasnt yet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-15
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now

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 2018-08-14
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
On three separate occasions, I contacted the credit reporting agency Equifax and informed them of two fraudulent student loan accounts that were being listed on my credit file. I sent a 605b block request via certified mail on XX/XX/2018, XX/XX/2018 and XX/XX/2018 with supporting documents such as my DL, XXXX, FTC fraud affidavit and the specific accounts that were being reported. 
Equifax failed to comply with the FCRA 605b provision on all occasions by not responding to my letter within four days on what actions they would be taking on the fraudulent accounts. Both XXXX and XXXX complied and blocked the fraudulent student loan accounts on my credit reports within 48 hours. The same information was provided to Equifax and no appropriate response was given. 
When reaching out to customer service and speaking with account supervisors, none of them have any knowledge on a 605b request and ask me " what that is, '' but acknowledge receiving my documents. They offer to send the documents to the account providers for their review and a 30 day response window. This is in direct contradiction to the establishment of the FCRA 605 ( b ) provision and has cost me denials of credit and higher interest rates on products being offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: MIDFIRST BANK
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir or Madam, I am writing this letter to register a formal complaint against Vio Bank ( a division of MidFirst Bank ). I have applied online for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and received an automatic denial to open this account. When I contacted Vio Banks customer service at XXXX, I was informed that they could not tell me the reason why my application to open a savings account was denied. I have excellent credit and banking history and large account balances in my current banks, so there is no legitimate financial reason to deny my application because I am not a high-risk customer. 
Furthermore, the bank refused to give me a reason why they denied my application for this account. So basically, I received a denial without any reason for this denial. I believe that this denial decision by Vio Bank was based on illegal discriminating against a XXXX XXXX XXXX XXXX XXXX XXXX XXXX like myself. 
Please investigate this situation for the following reasons : 1 ) The bank needs to provide a reason for a denial to open a savings account. They stated that they do not have a reason for this denial. If this decision was based on any financial factors such as XXXX they need to issue an adverse action notice and let me know the reason for this denial. 
2 ) I believe this was a case of illegal discrimination against a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
3 ) I have an excellent credit and XXXX banking history, high account balances with other banks, and I never bounced a single check in my life. 
So I believe that Vio bank had to make their denial decision due to illegal discrimination based on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Please let me know if you have any additional questions. I can be reached at XXXX XXXX XXXX I believe Vio Bank denied me because of illegal discrimination against me and this situation has to be addressed. 

Thank you, XXXXXXXX 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 2018-11-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I not to long ago checked my credit reports. All three reports showed there were several missed payments. This is incorrect and inaccurate. My XXXX XXXX Card has never been paid late. I have tried to get this issue resolved but have not been able to get any assistance from the representatives. No one has been able to explain to me how errors of this magnitude were able to placed on my reports. It seems they are not willing to help in any way. This issue has been very stressful and is causing me to not be able to get new credit. Not only that, but also preventing me from being able to get approved for a higher credit limit. I have been stagnated with a {$300.00} credit limit even though I have made all of my payments on time. Yet I receive several offers from XXXX XXXX for a Auto Loan of upwards of {$5000.00}. This is an error on the part of XXXX XXXX or the Credit Reporting Bureaus. I would like this issue to be resolved and deleted from my reports. So that I can continue on with my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15
Company: J J Marshall & Associates, Inc
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Trying to collect on a debt that does not belong to me. jj marshall & associates

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: AMERICAN EXPRESS COMPANY
State: PA
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 have made sure to make my payments on time for AMEX XXXX. This account should not have a late payment status in my record. Make sure to provide me with any documentation about the late payments being done in the months indicated in the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: REGIONS FINANCIAL CORPORATION
State: DE
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
We took out a loan for a new heat pump and air conditioner in XX/XX/XXXX with the first payment due in XXXX. I paid them a triple payment ( {$150.00} ) on XX/XX/XXXX in an attempt to offset their XXXX 13 % interest rate. 

The company did not apply this payment as I expected. Normal companies would have posted it as the XX/XX/XXXX due date payment and the balance to principal. EnerBank posted it as 100 % interest and advanced my due date to XX/XX/XXXX. When I asked them to reverse that, reset the next due date to XX/XX/XXXX and the difference between their $ 50 monthly payment and my {$150.00} payment to principal only, I received two emails ( see below ) : " Thank you for contacting EnerBank USA. We have received your email communication. We believe it would be more beneficial to have a verbal conversation to answer your question ( s ) at a time that is convenient for you to discuss this matter. Please contact our Customer Service Department at XXXX. We are available XXXX XXXX am to XXXX XXXX. Thank you, EnerBank USA Customer Service Department '' My response to their email was : " Hi, please respond in writing to my inquiry. And follow the instructions you were given for posting my payment. '' Their response was an exact, carbon copy of the original email.

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 2020-03-06
Company: BARCLAYS BANK DELAWARE
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:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX BRCLYSBANKDE XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 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, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 2020-03-06
Company: Experian Information Solutions Inc.
State: AR
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. I HAVE BEEN TRYING FOR SEVERAL MONTHS TO GET THIS REPORT CLEANED UP BUT THE BUREAU JUST KEEPS GIVING ME THEW RUN AROUND AND IGNORING THE FACT THAT THIS IS FRAUD. THEY ARE CONSTANTLY TELLING ME THAT THIS ACCT WAS VERIFIED BUT THERE IS NO WAY BECAUSEITS NOT MINE! YOU CAN NOT VERIFY AN ACCT THAT WASNT OPENED BY ME. I HAVE RECEIVED DEVERAL COPIES OF MY CREDIT REPORTS BUT NO PROOF OF WHAT THEY ARE CLAIMING IS VERIFIED. I NEED A SIGNED CONTRACT BY ME OR THIS NEEDS TO BE DELETED IMMEDIATELY BEFORE LEGAL ACTION IS TAKEN AGAINST THE BUREAU AND THE FURNISHER THATIS REPORTING. 
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