BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-24
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-24
Company: Open Dealer Exchange, LLC
State: CA
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:
Thank you for allowing me to submit this CFPB complaint, I have contacted experian about hard inquiries that were not authorized by me. I filed ftc reports regarding four inquiries that were not authorized by me. I also sent copies of ftc reports and all documents to experian as they requested and yet still they have not removed these inquiries.its been well over 30 days for a few of these inquiries. They are in violation of my rights according to the FCRA. I have the right to an accurate credit report and also this matter should have been taken care of in a timely matter. The inquiries and dates consist of : XXXX XXXX XXXX XXXX XX/XX/2022 700 creditXXXX XXXX XX/XX/2022 700 credit/XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXXXX/XX/2022 According to the FCRA I am entitled to a fine of up to {$1000.00} per violation. I have been in contact with XXXXXXXX ,700 credit, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX yet nothing has been done. Please send me confirmation that these inquiries were removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, this complaint is not made in error nor is it being made bya third party. I declare under penalty of perjury I am alleging that a person or company-without my authorization- from unauthorized use of my social security number and cardused my personal identifying information to apply for goods, services, or money ; and, wassuccessful in creating some account. I have no knowledge of this and all is beinginvestigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumerreports I never gave any written consent to report anything on my consumer reports... noconsent is fraud. Please delete the account below from my report : XXXX XXXX XXXX Date Opened XX/XX/2022 Balance : {$69.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experience refuses to provide me with an investigative report and continues to report inaccurate, false, and incorrect information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Chime Financial Inc
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XXXX  i called my bank to tell them that my card, drivers license was stolen. money ( XXXX  ) was taking out of my account so i filed a police report and sent them that documents that chime was asking for! they told me i would receive a temp credit but they denied my claim right before they told me i would receive my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions 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, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX and XXXX XXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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, has violated my rights. 

I have already disputed these items with the bureaus, but they did not remove them, nor prove validation.

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 non-monetary relief
Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
State: FL
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:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against XXXX, XXXX, and Equifax regarding a XXXX collection account that I wish to dispute. The details of my complaint are as follows : I recently checked my credit report and found that there is a collection account from XXXX on my credit report. However, I believe this collection account is inaccurate and should be removed from my credit report. I have attempted to dispute the account with all three credit bureaus, but have not received any resolution to my satisfaction. 

I believe that this inaccurate reporting is damaging my credit score and hindering my ability to obtain credit and other financial services. I request that the credit bureaus conduct a thorough investigation into this matter and remove the erroneous collection account from my credit report. 

I urge the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to ensure that the credit bureaus are accurately reporting consumer credit information. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
State: NY
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:
Recently, I did an investigation on my credit report which coused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, a living human being, and I have rights under 15 USC 1681. 
Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Rocket Mortgage, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
I have been working with Quicken Loans regarding a modification of my first mortgage for the last 3 months. I provided them with ALL of the information they requested in their 'Application for Success ' modification program. After receipt of my information they asked for additional information which was part of the original information I submitted. Nevertheless, I supplied the same information again. Two weeks later, they requested the same information again ( I have copies of their requests ) of which I submitted again. Becoming very concerned, I was finally able to speak to a supervisor responsible for handling 'complaint escalation '. Only after this discussion was I informed that my application package was complete and that " Underwriting had everything they require ''. That was 6 weeks ago and every other day when I call, I'm told that it's with underwriting. When I request to speak to an underwriter, they're unavailable. 

I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: CITIBANK, N.A.
State: TN
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:
As per Citicard mobile phone alert ; On XX/XX/2021 and XX/XX/2021, I had a credit balance of {$160.00}. 

On XX/XX/2021 and XX/XX/XXXX, XXXX as per Citicard mobile phone alert, I had {$0.00} balance on my Citicank account ending XXXX. 

Then I got a credit check of {$69.00} instead of my credit balance of {$160.00}. I want Citicard to return my credit balance of {$160.00} instead of {$69.00}.

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 2021-12-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Portfolio Recovery Associates, LLC sent me a false and deceptive letter attempting to collect an alleged debt. The alleged debt is not verified nor is it validated. The alleged debt is listed as a positive number. I have not relationship whatsoever with this company. Where does this alleged debt claimed by Portfolio Recover Associates, LLC fall under UCC 9-110 under Article 2 or 2A?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: EdFinancial Services
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I sent a message to EdFinancial on XX/XX/. I did not receive a message back nor any confirmation that my message had in fact been received. I tried calling on XX/XX/XXXX, but the wait time was over five hours. I requested a call back, but did not receive one after 24 hours. I submitted my application, but received no confirmation that it has been uploaded or that the company had received it. Their website is unclear on how to submit this, making the process for loan forgiveness unnecessarily difficult. I am unable to get answers as to how I can have my application processed.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-24
Company: ERC
State: OH
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:
I have been fixing my credit for a year now and doing well. All of the sudden this enhanced company with XXXX  hidden where you can't find. So I assume it's XXXX  trying to collect again after I got this taken off twice now. I would.like to know how to take legal action against them. They lowered my credit score by XXXX points for an account.I know nothing about. And enhanced recovery is a predator when it comes to fixing your credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Victim of identity fraud

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 2023-03-24
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX  Account number : XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Account number : XXXX, XXXX  ( Original Creditor : XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX ) Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
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:
Company : XXXX Amount : {$10000.00} Dates : XX/XX/2015 Ive contacted this company multiple times and have expressed that this account was fraudulently opened in my name as I was across seas at the time. Ive submitted police reports on the matter and they are still reporting this fraudulent account to my credit file. It needs to be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: ENOVA INTERNATIONAL, INC.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have an account with NetCredit and I took out a withdrawal for XXXX by mistake, which was my fault ; however the checking account that I have my NetCredit account tied to is closed and no longer active. The XXXX was never received because I don't even have that account anymore. NetCredit says I got the money. I DID NOT RECEIVE any funds! Now they are wanting me to make a payment!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: ALLY FINANCIAL INC.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Ally offered a bonus for depositing money in a savings account. The amount I was eligible for is $ XXXXThe bonus was said to be paid on XX/XX/XXXX, but I never received it. I've asked Ally continuously to look into it. They previously promised to have it resolved by XXXX, and then the end of XXXX, but both of these were not held up. Now Ally says they have no plan to ever resolve it. 

The details of their bonus are described here : https : XXXX Dozens of other people have commented at that web page that they've had this problem too.

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 2023-03-24
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I opened a CC with PayPal Credit. My limit was XXXX. I adjusted the limit to XXXX, so once I paid off the balance of around {$3000.00}, I would close it. I noticed that I was being charged interest on purchases that were returned, racking up hundreds of dollars in unnecessary interest and not receiving full refunds for my returns. I have tried to have this issue fixed since XXXX and I keep being told that it will be fixed next billing cycle, and it has not. So, I don't know my true balance and they keep charging interest on returns.

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 2023-03-24
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: Their investigation did not fix an error on your report

Complaint:
I have disputed XXXX account thats showing I owe {$100.00} a few times now. The issue is Ive been trying to pay this account off for over 3 years now and even send them a payment on two different occasions and check was sent back to me without an explanation. I called to pay over the phone and they wouldnt take a payment. I reached tour to XXXX XXXX XXXX and they responded back in XXXX of XXXX stating I would have to wait and pay on the account in XX/XX/XXXX after they sell the account to XXXX XXXX. XXXX even sent this to Experian, myself and the Consumer Financial protection bureau. This is against the law and against Fair Credit Report Act. XXXX did not follow the FCRA rules. Not only did XXXX violate my rights but Experian violated my rights as well because at that point Experian should have completely removed this account from my credit file and they didnt. So no Experian is responsible for this account affecting my credit file.

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 2018-11-13
Company: Experian Information Solutions Inc.
State: NY
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 paid a credit repair agency for almost 2 years {$100.00} a month to fix my issue my ex wife did to me before she disappeared after visiting her home country. All 3 reporting agencies should understand the importance of credit and have let the be aware of my situation and I still have this burden to live with every day.

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 2020-11-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020 my son tried to download a game from XXXX XXXX and it was unsuccessful. I called XXXX and during COVID 19 their not answering their phones after multiple calls. I then called my back to dispute the transaction, and I been noticing my bank doesn't take disputes seriously, so before thirty days are up, they reverse the credit of XXXX for this game. I called my bank and said, wait, I was vehemently disputing the charge. The gentleman said he reopened it on XX/XX/2020, then to make certain, I call back on XX/XX/2020 and speak with XXXX in escalations, she says " What is wrong with you? Why are you cussing '' There must be something wrong with you? '' So, I find out this morning after calling back again and being hung up on that now one reopened the dispute. They closed the dispute before its time. I uploaded documents they requested but never sent out or uploaded to my online account to get to them sooner. I called in prior and was hung up on again, so I called back and closed my insurance and their cheap credit card. Then I wrote the XXXX XXXX XXXX a complaint while I called back in to hear someone finally truthful telling me that my dispute was permanently closed.Moreover, I have credit cards with high limits, USAA gives me a XXXX limit, and my XXXX XXXX is Platinum with over XXXX dollar limit, my credit usage is below 15 percent. My auto loan I applied for with USAA they offered me XXXX dollars when all the others offered XXXX dollars. Just last month I had to dispute two XXXX dollar service items and I went above and beyond to get a letter from the XXXX office, COO, but I had plenty of funds in the bank when the bank called me and went on a rant to tell me what to do and write them letters, go back to the doctor, run around and then call her back? Seriously, I have only spoken to the same people at USAA in ten years maybe twice. I know bias, prejudice, the red headed step child, discrimination, and straight meanness when I hear it. I also know evasive, neglect, and USAA should point fingers at themselves for their own dirty deeds. My son works way too hard to not receive his game and this bank has not been above board at times so when I cuss its for good reasons.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation