BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-04
Company: Early Warning Services, LLC
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I was attending a family wake and funeral in XXXX Kentucky. The services lasted from XXXX XXXX - XXXX XXXX. At the end of the day I went to check on my emails and noticed several UNAUTHORIZED withdrawals from my account made via Zelle. They were made to a XXXX XXXX in the amounts of {$100.00}, {$300.00} and {$500.00} at XXXX. Both the name and email have never been used by myself. I immediately went to a local XXXX XXXX and filed a dispute, changed my password, froze my account and set up Zelle pin for transactions. I met with Branch Banker XXXX XXXX NMLS ID XXXX at the XXXX Branch in XXXX KY XXXX. I did everything I was supposed to do. I received a notice from XXXX XXXX that the said, " dispute has been resolved. During our review of your account and the documentation available to us, we determined no error occurred and that the transaction ( s ) was processed as instructed. You have the right to request documentation we relied on in making our determination. I called XXXX again and asked for the documentation used and they didn't have any. They told me to contact Zelle. I tried to contact Zelle and they refused to speak with me indicating, " As per their terms and conditions, they reserve the right to no longer due business with me '' So Zelle is refusing to speak with me and I am still out {$900.00}. Its been 6 almost 7 weeks and after the 3 time trying to dispute the charge with XXXX I still do not have any answers or money. XXXX XXXX from XXXX is elevating it to the Regional Manager but how long should this take? Does this not fall under Regulation E, part of the federal Electronic Fund Transfer Act, requires banks to refund consumers for fraudulent transactions on their accounts? Attached is the most recent dispute resolution sent by XXXX XXXX. They didn't even bother putting it on letterhead this time. Zelle is refusing to speak with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute with the credit reporting agencies in regards to alleged identity theft on my credit reports pursuant to section 605B of the Fair Credit Report Act. I never received any notifications in regards to the investigation results and still have yet to receive any response.

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 2023-08-02
Company: EQUIFAX, INC.
State: OH
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:
My personal information was stolen XXXX,, and since then I've been noticing and seeing a lot of unauthorized Inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate Inquiries and accounts I have listed immediately, the following includes : XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
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: Information belongs to someone else

Complaint:
On XX/XX/2020 I have sent a certified letter to Transunion & XXXX XXXX  disputing an auto loan that does not belong to me. The auto loan is a business loan that belongs to my father, who has the same name as me as well as lives at the same address as me. Even so my date of birth & ssn is obviously different. I have submitted a copy of my birth certificate & drivers license as proof of identity as well as a copy of my recent bank statement. I have patiently waited more than 45-days with no resolution, from XXXX XXXX. The account shows positive payments as my father pays on time. The issue is preventing me from purchasing a home due to the added debt-to-income, that is not mine.

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 2018-02-21
Company: Navient Solutions, LLC.
State: WV
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have two private student loans with what is current Navient, formally XXXX XXXX - These loans have variable interest rates - I knew this when I signed the Promissory Notes - My issue is that my rates are going up at an alarming rate! - 0.25 % almost every 3-4 months - My payments have gone from under XXXX $ a month to XXXX $ a month - As a college graduate with a number of serious medical conditions that unfortunately do not allow me to use my degree I am unable to obtain a job in my degree field - Loans become difficult to pay - Medical bills add up - I understand these loans are my responsibility and am willing to pay them as long as I can scrape pennies together and pay them every month - This growing interest rate is becoming a problem though - I do not understand how or why this is happening? - I get the concept of variable rates, I do - I have come to a point that I am almost unable to make these astronomical payment amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: EQUIFAX, INC.
State: OH
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. XXXX XXXX  XXXX, XXXX XXXX. I have contacted the FTC and my local police and I am doing this all on my own. Please remove these unknown items from my report. XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: SYNCHRONY FINANCIAL
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 is missing that should be on the report

Complaint:
When Credit grantors decide to close your account because you dont owe them anything, you havent used the account In quite some time, you were never late, they close it and closed accounts negatively affect your credit. 

When you lose a debit, or credit Card the banks close that account so your credit report shows closed accounts which is negative, they will send you a new card but closing that account is harsh on your credit When you no longer owe on a. Who le and they close your account, thats negative. I had a car, it was totaled, I had gal insurance which paid the credit union to satisfy the loan, so loan was satisfied 100 %, never a pete payment, they closed the account which has negative impact on credit Closed accounts severely damage your credit score AND they diminish your credit history even though you were perfect!! Paid on time always never late so we are punished for paying off our debt

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 2018-05-12
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018 I filed a written dispute ( USPS Certified mail # XXXX XXXX XXXX XXXX XXXX ) directly with Credit Acceptance Corporation located in XXXX, Michigan regarding inaccurate payment history they posted to my consumer credit reports. I identified and list each error by month and year. Under the Federal Law, I requested copies of specific records that they keep during the normal course of business. 

I waited more than 30 days to her the results of the investigation and view copies of invoices and payments that I requested. To date Credit Acceptance has not investigated nor responded to my dispute or request for inaccurate payment history to be deleted from my credit  reports. 

Thus far Credit Acceptance Corporation has ignored me and the law. I am requesting your assistance in having Credit Acceptance comply with the law and remove the inaccurate payment history from my credit reports.

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 2018-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX is showing me as having authorized user status on a XXXX account that isnt mine. I have called them on numerous occasions, the latest being XX/XX/18 and asked them to remove my name from the account. I have not authorized XXXX XXXX to issue me a card on this account nor consented to them to report this accounts status information to my credit file. They refuse to remove me as an authorized user and delete the account from my credit reports.

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 2019-01-12
Company: DISCOVER BANK
State: CO
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:
On XX/XX/XXXX ( it may have the the first ), I called Discover to give them a routing number and an account number that a Mr. XXXX XXXX ( I  believe it was an alias ) gave me to give to Discover to pay off {$4.00}, XXXX. I called later in the day to see if the account was indeed paid off. She said it was and gave me the confirmation number : XXXX. I really didn't expect it to be paid because I thought it was a scam. Consequently, I took {$2500.00} from the account and sent it to an address in NY State. I called Discover to find out whether the {$2500.00} was interest free like the {$4400.00}. They said no, it was 27 % interest. Then I found out that I still owed the {$4400.00}. That the account that I gave them was closed. This was two days later. WHY WOULD THEY HAVE TOLD ME IT WAS PAID OFF THE FIRST TIME I CALLED? I knew then it was definitely a scam and I was burned. Can Discover be held responsible for not telling me? They could have told me that they were not paying the account until the funds cleared, which they would not have cleared because the account was closed. I WOULD NEVER HAVE GIVEN A PENNY IF I'D KNOW THAT MY ACCOUNT WAS NOT PAID OFF. I feel that Discover failed me and owes me the {$2500.00}. 

I thought it was a scam to begin with, but when she said my account was paid, I thought, well, I'll be ahead because I'm only using {$2500.00}. WRONG! 

The bank, routing number and account number given to me to give to Discover is : XXXX XXXX XXXX, routing # XXXX ; account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. XXXX XXXX  XXXX, XXXX XXXX. I have contacted the FTC and my local police and I am doing this all on my own. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 2021-07-14
Company: Bread Financial 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: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-05
Company: Experian Information Solutions Inc.
State: MS
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:
Note to Experian : You have my authorization to conduct an investigation into my complaint. My name is XXXX XXXX XXXX XXXX. I am submitting this complaint in good faith on behalf of myself and no other individual. THERE IS NO UNAUTHORIZED THIRD PARTY INVOLVED WITH THIS COMPLAINT. 

This is my second attempt trying to resolve this matter through the CFPB. 

Accounts showing erroneous reporting patterns and unverified within FCRA guidelines. XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX. 

On XX/XX/2021, Experian Information Solutions responded to my CFPB complaint with illogical, erroneous and incoherent account activity. I have attached a copy of such FCRA noncompliant account history to this CFPB complaint 2. On XX/XX/2021, I sent Experian Information Solutions a copy of such noncompliant FCRA reporting errors which I specifically pointed out the gaps in reporting activity or lack thereof. I also pointed out in clearly defined terms of the inability of Experian Information Solutions to provide me with clear proof that they have conducted a thorough investigation into the validity of these three accounts. Such documentation was received by Experian Information Solutions on XX/XX/2021. 3. Experian Information Solutions responded to my dispute on XX/XX/2021 and by sending me virtually no changes to the reporting of these accounts nor did they follow FCRA guidelines and delete these accounts. 4. I have attached proof of these reporting errors along with USPS receivable documentation. Experian Information Solutions has blatantly disregarded FCRA law multiple times by continuing to report these damaging and erroneous payment activity ; such that is ruining my credibility and ability to attain financial products. Please urge them to follow the law and delete these items from my credit profile.

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 2021-06-05
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: Their investigation did not fix an error on your report

Complaint:
A collection was recently removed off my credit report and added back on. The collection agreed to remove it and provided me with a letter for confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Contacted the bureaus multiple times and have been ignored. They have accounts reporting on my report that are identity theft. I also never gave them permission to furnish a report on my behalf. They are suppose to have written instructions from the consumer and they do not have that pursuant to 15 USC 1681b ( 2 ) Permissible Purposes of Consumer Report. Also they have violated other consumer rights. I have filled out a FTC and Identity Theft Affidavit and sent to them and they still have been ignoring my letters. I am demanding that they delete the accounts listed on my attatched letter and I am only giving them 4 business days to remove the items Pursuant to FCRA 605B ( 15 USC & 1681 c-2 ) which states that this information must be removed within four business days of receipt. Or I will be seeking remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have multiple things on my credit report I did not apply for. Chase credit card like 10 times in a year and I've never applied. Pretty sure ex wife is using my info to apply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I filed my taxes with the IRS and requested an electronically deposited refund. I provided them with one of the routing numbers made available to me via the Bank of America mobile application tied to my accounts with them. The IRS confirmed that they sent my XXXX tax refund electronically on XX/XX/XXXX. I spoke with several representatives at Bank of America on XX/XX/XXXX and XX/XX/XXXX. During those conversations I was told that the funds would be converted from wire to ACH and be deposited into my account. When the funds were still not deposited, I called back to get additional information. I'd confirmed with the IRS that I'd given them my correct savings account number and routing number. When I spoke with Bank of America again, I told them which account numbers I'd provided to the IRS and was informed that because I'd given the routing number for wire transfers, they'd rejected the payment back to the IRS. At this time I have to wait for the IRS to issue a paper check and it will take approximately 5 weeks because a banking institution who's job it is to send and receive money, chose not to receive mine.

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 2020-06-29
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:
what happened is my credit file has been misrepresented due the compromising of my identity being lost or stolen. In addition I was a victim of the XXXX  breach. I'm demanding that these accounts be removed and blocked from my credit file. 

1. XXXX XXXX XXXX {$120.00} 2. XXXX XXXX XXXX {$320.00} 3. Dept of ED/ XXXX {$7700.00} 4. Dept of ED/ XXXX {$5700.00} 5. Dept of ED/ XXXX {$5100.00} 6. Dept of ED/ XXXX {$5000.00} 7. Dept of ED/ XXXX {$1600.00} 8..XXXX XXXX XXXX 9.  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 2018-06-15
Company: Fay Servicing, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I applied for modifications and was offered a modification with a good faith deposit of {$13000.00} in XXXX. I don't have that and never gave them the impression I did. I am the owner of the home on a deed. I was never offered the option to obtain the loan since it's in the name of the estate deceased husband. I want to be considered for owning the loan. I recently sent over a new application to be considered for ownership of the loan.

Company response to consumer: Closed with explanation