BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 
Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX XXXX XXXX , XXXX. 
Date:XX/XX/XXXX Company : XXXX/XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX  Date:XX/XX/XXXXCompany:XXXX XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX/XXXX Date:XX/XX/XXXX BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit reports : Company : XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$800.00} Company : Untitled { MEDICALUnpaid, Unpaid, Collection Account } Account # :  XXXX Date Open:XX/XX/XXXX Balance : {$540.00} Company : XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX Account # XXXX Date Open:XX/XX/XXXXBalance : {$100.00} Company : XXXX, XXXX. 
Account # : XXXX Date Open:XX/XX/XXXX Balance : {$1800.00} Company : XXXX   XXXX  Account # : XXXX Date Open:XX/XX/XXXXBalance : {$520.00} Company : XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$1500.00} Company : XXXX/XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$380.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-08
Company: UBS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Case number XXXX. Applied for a UBS Visa XXXX card in XX/XX/XXXX. Completed the paperwork and it was received XX/XX/XXXX. Then I got a letter third week of XXXX asking me to send copy of drivers license or utility bill on my name. I sent both and it was received XX/XX/XXXX. Then I called several times for an update. I was finally told on XX/XX/XXXX that the copy of the drivers license was not legible, even though I sent utility bill on my name as well. I sent them by email. I called several times after that and they confirmed they were received. Today I was informed my application was denied and the person on the phone told me I had to wait for the letter to know the reason. I have good credit, good income and good net worth. This has been the most difficult company Ive done business with, and Im unsure why they treat prospective clients this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
For over 2 years I have been using Venmo services to send and receive money. My personal account is @ XXXX. And on XX/XX/2022 I decided to open a Business account too. The XXXX XXXX  account has been created. But along with that, Venmo automatically created another personal account for me ( @ XXXX ) without my asking. This caused a big problem. I started to have 2 simultaneous personal accounts, which the system characterized as fraud. As a result, my main account @ XXXX was frozen on XX/XX/XXXX. And I'm still today, 16 days later, trying to solve this problem and I can't! On the same day I received an email asking to upload my ID, and that my account would be unfrozen within 3 days. I did and nothing was done. I can't move my money and this has caused me a huge problem! I have already called support 3 times and opened 2 tickets. All they do is apologize and ask me to wait. " Sorry '' doesn't solve my problem! I don't want " excuses '', I want the solution! THEY caused the problem when they opened, I don't know why, a new personal account for me. This has been extremely frustrating and I no longer have the patience to wait. I need a solution and your help as it is being impossible to solve through Venmo Support channels. I want my @ XXXX account unfrozen so I can move MY money. Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I reported BOA false charge to my checking account by XXXX in three different transactions. They gave credits initially in XX/XX/2018. 

I received the letter now, stating they will remove {$280.00} from my account. 

I called back XXXX, request not to remove {$280.00} from my account. 

They refused my claim.

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 2021-09-23
Company: Experian Information Solutions Inc.
State: AL
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:
IT HAS COME TO MY ATTENTION THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT FOR A FEW YEARS NOW. ( COLLECTION AGENCY ) PLACED A COLLECTION ON MY CREDIT REPORT THAT WAS FROM A FRAUDULENT ACTIVITY. I HAVE CONTACTED ( COLLECTION AGENCY ) AND ( ORIGINAL CREDITOR ) AND EXPLAINED TO THEM WHICH I WAS TRANSFERRED SEVERAL TIMES, I FELT DISRESPECTED BY THE CUSTOMER SERVICE REPRESENTATIVE AFTER EXPLAINING TO THEM THE SITUATION THAT THEY HAVE THE WORNG PERSON. THIS COMPANY IS VERY UNPROFESSIONAL! I ALSO SENT THEM A COPY OF THE POLICE REPORT. I WILL ALSO FILE WITH CFPB AND FTC! THIS IS VERY INCONVENIENT ON MY PART!

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 2022-09-02
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:
Hi I am submitting this 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  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This year I have disputed this account multiple times with this company including other companies that bought this alleged debt in a portfolio. This alleged debt was already proven that I'm not responsible for this debt so it was deleted. This company never sent me any information to dispute this debt which I've already made my attorney XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX aware of the situation. I know my rights and I'm tired of being taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: TD BANK US HOLDING COMPANY
State: TX
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:
On XX/XX/2019 I went to look at new vehicles at XXXX XXXX in XXXX, TX. I gave the salesman my ID in order to drive a vehicle, but ended up not driving the vehicle after I realized he gave me false information over the phone. About 4 hours after I left the dealership I started getting notifications from credit bureaus that someone ran my credit at the dealership. I never filled out any paper work, never signed anything. In fact, I expressed my displeasure regarding the false information and told them I had no desire to purchase a vehicle from them. So, they ran my credit based on my Drivers License information. I know this because they used the address that was on the DL and it wasn't my current address. They ran it through XXXX XXXX, XXXX XXXX XXXX, TD Auto Financial. I just built a new house and didn't update it yet. I contacted the dealership the next day and they claimed to have mixed up my information with someone else and said they'd submit all the paper work to correct the issue. I've got 10 or so emails from the 'Sales Director ' ( XXXX XXXX ( XXXX ) XXXX ) stating he was taking care of it and he'd follow up. He hasn't followed up any and nothing has been done. I tried submitting disputes to the credit bureau 's, to no avail. This company is extremely dishonest and down right shady! They ran my credit to see if they could make me a good deal on a car, thinking that I'd buy one. Never do business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
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've been trying to resolve the multiple negative student loan accounts on my credit report. The Credit Bureau ( Experian, XXXX  ) are neglecting to verify the accounts properly to determine which ones are duplicates or original. Due to poor lack of investigation and communication I'm requesting that all of the accounts be removed. All of the loans in question and the negative accounts that have been reported are hurting my scores.

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 2023-06-25
Company: Experian Information Solutions Inc.
State: IN
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:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC.

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 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 explanation
Consumer complaint received 2019-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
In the course of applying for a job, I discovered a collection account on my credit file from XXXX and XXXX on behalf of XXXX XXXX XXXX XXXX for an ER visit to XXXX XXXX XXXX XXXX on XX/XX/17, in the amount of {$1200.00}. This report is fraudulent, as I was not in Nevada at the time and have not used any ER services in over 10 years. I did drive through Nevada on XX/XX/17 and XX/XX/17 and used my credit card to purchase gas and food. But I have not been back since. 

I disputed the information several times in XXXX with both TransUnion and XXXX, and after speaking directly to a representative from XXXX and XXXX who confirmed that the report was fraudulent, filed a police report with the XXXX XXXX police. I also sent a letter to XXXX and XXXX formally disputing the debt. They sent back their records, which confirm that the person who went to the ER that day was not me. 

Despite this, both credit bureaus simply rubber stamped the report as correct, every time. So today I spoke to another XXXX and XXXX representative, who again confirmed that it was fraud, and said he would escalate the issue. I then called back TransUnion, who gave me the runaround and eventually hung up on me. This is an outrage, and may have cost me a job because the credit unions, as well as XXXX and XXXX, failed to do theirs.

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 2019-07-19
Company: EQUIFAX, INC.
State: NJ
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:
so as CFPB already know I had fraud accounts opened in my name got most of it cleared away and I decided I wanted to go to XXXX XXXX XXXX and apply for a store card now back in XXXX I applied and told I was approved and wait 7-10 business days. in that wait I received a letter stating was denied because of delinquent XXXX XXXX accounts I went back and forth on the phone for 3 months. Prior to that I was told by a manager that I was all cleared to apply again which I did while she was on the phone told me I was guaranteed approval now I got the same 7-10, letter came and it said the same thing ... called back-office corporate everybody I spoke to 50 people in 10 different departments all told me everything was cleared and made me run my name but now im stuck with 3 XXXX XXXX inquires and no card or approval.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a home loan with Bank of America ( BOA ) of which I have continued to make monthly payments on for several years. As of XX/XX/XXXX, it appears there was a default in the payment process whereas I was told my payments were late. Subsequently, they had charged a late fee each month and I just received a statement for XX/XX/XXXX stating that I owe double the amount. I have made several attempts to contact the customer service area with no avail. The last time I spoke to an agent was last week ( Agent by the name of XXXX XXXX ). She agreed that something happened in the system whereas I was actually paying in advance and the payment was not accurately being applied and therefore causing me to get monthly late fees over {$1400.00}. I was told that she was going to do the research and get back to me but yet again, no call or email. I tried to call again today XXXX and was disconnected. Per our conversation, I should have all of my late fees removed and my payments adjusted as I would actually be about 2 months ahead in payments. I am tired of getting the run around and feel that I am being scrutinized. In addition, I am fearful that they are going to ruin my credit when I have, in good faith, made my payments. I am not going to continue to do business with a company that can not adhere to a system of controls that harms consumers.

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 2023-06-25
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently tried to correct a mistake with a credit bureaus, and have been been told, we updated, or its been verified. The bureaus suppose to be reporting thing correctly at all times. XXXX XXXX send a letter stating I wasnt late the last few months, and the bureaus stated it was verified correctly. Then XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, and XXXX are accounts that first were reported XXXX way then change to charge off. But if after charge off now being reported, the accounts have a balance included, or multiple months with charge off reported, Also, a new account with a student loan, I never had before and never applied too. Lastly, XXXX XXXX XXXX which was I was late XXXX months in a row, and now Im currently on time. I never been late, XXXX XXXX XXXX never sent me anything stating that.

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 2022-08-05
Company: Experian Information Solutions Inc.
State: SC
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 XXXXXXXX Account # XXXXXXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account # 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 2023-06-25
Company: Experian Information Solutions Inc.
State: AL
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 XXXX XXXX XXXX XXXX XXXX al XXXX Creditor Experian I just got my report and I think it's wrong! I was told I have a right to have an investigation done. I credit reporting laws ensure, that bureaus report only XXXX XXXX accurate credit information.every step must be taken to assure the information reported is completely accurate and correct.the following information, therefore, needs to be reinvestigated. Please make sure everything pertaining to my credit report is correct.also they charge my account with the same inquiry twice. 

Please provide me with the following items payoff disclosures interest rare disclosures balance history payment history credit insurance Creditor. XXXX XXXX XXXX  Account # XXXX XXXX {$1300.00}

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 2021-04-09
Company: ALLY FINANCIAL 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: Account status incorrect

Complaint:
In XX/XX/2021, Ally Financial offered an Extension Agreement for my automobile loan for one month as follows : A scheduled payment of {$150.00} will be due XX/XX/2021 and the remaining scheduled payments of {$370.00} each will be due on a Monthly basis beginning XX/XX/2021. 

Ally Financial followed up this Agreement in writing ( see attached letter dated XX/XX/2021 ). 

Payment in the amount of {$150.00} was paid to Ally Financial on XX/XX/2021 as agreed. 

XX/XX/2021, Ally Financial emailed me a notice stating that I am 27 days past due. 

I have tried to contact them via telephone and by email ( see attached ) dated XX/XX/2021 to correct this past due status. 

How can you be 27 days past due one day before payment is due? 

The collection department states I am {$860.00} past due as of XX/XX/2021 and the Customer service department states I am {$1200.00} past due. I can not get them to agree to the terms they agreed to in writing with me. 

XX/XX/2021, Ally Financial sent a letter apologizing for incorrect due date on the extension however, they have reported their error on my credit report and in their records and expect me to adhere to 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