BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-24
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 tried multiple times to dispute inaccurate information on my experian, XXXX and XXXX credit report.I have ask both companies to send me any documents with my original signature, or proof that shows that this is my account. This inaccurate account is hindering me from getting my career started. I have never filed for bankruptcy. 

All three bureaus are reporting that I filed for bankruptcy. Please delete this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Experian Information Solutions Inc.
State: KS
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:
During the COVID-19 initial impact on the United States my home loan company promised that if I enrolled in their loan forbearance protection I could skip up to 3 months of payments with no impact that would be reassessed at the end of the 3 months. I only skipped 1 month and quickly repaid it back over the next 2 months. They reported to the credit bureaus that I missed a payment. This clearly went against their published policies that during the pandemic no negative reporting would occur. They violated their agreement.

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 2020-07-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$240.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.

2. XXXX with ACCT # XXXXXXXXXX opened on XX/XX/XXXX with a balance of {$240.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I think someone is using identity theft or fraud against me. Earlier this year, I attempted to create a cashapp account and one of the registration requirements is a social security number. I couldn't go any further with the process because the company wouldn't accept my social security number at all. This has happened for multiple apps & forms I've tried to fill out but couldn't complete because none of them will accept my number no matter what I do. I'm worried and I need help taking action to fix this issue so I can access my finances and know my ss number is safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
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:
I am interested in disputing all incorrect information on my credit report with transunion.

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 2021-08-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Recently my wife XXXX and I tried to obtain a new car loan. A collection appeared from Portfolio Recovery Associates that was purchased from XXXX XXXX. The account shows a XX/XX/2017 transfer date. The account is being intentionally re-aged by Portfolio Recovery Associates, even though the timeline for collection is already passed, and XXXX XXXX did not get permission from our bankruptcy trustee to sell the debt. The debt must be transferred back to XXXX XXXX, no exceptions. The account is fraudulent and can not be rectified as XXXX XXXX has already purged our files. This account is in violation of all existing protections under the U.S. Bankruptcy Code as well as the Fair Debt Collection Practices Act. This collection must be deleted permanently!!! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: SYNCHRONY FINANCIAL
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Every month I pay My care credit early, as soon as I get paid. I paid XXXX on XXXX and have been on time every single month. Well my XXXX payment came and they said I have a late fee and need to pay XXXX. I have called them immediately trying to dispute how this is possible if they saw on their end I paid each month on time, they verified the information was indeed correct. However their billing cycle from the 1st to the 3rd any payments that get in by that time will be applied to the previous month. Now I have went over the entire contract and no where does it say a customer paying more of the amount requested is not allowed to pay their bill early. Well long story short they said there was nothing they can do on their side. I spoke with the supervisor, manager, and even filed a complaint to billing because thats all they can do. They want to keep adding to my late payments and I do not think its fair as a company to do that to a customer who has been more on top of her payments, have paid early and never missed a payment. They should be able to fix their mistake and take off my " late fees '' because I was early for each month.

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 2023-01-26
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:
Id like to have the old inquiries removed some are double as if the companies ran them twice without my consent some are old past the dates as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: FC HoldCo LLC
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:
Recently, I received a copy of my credit report which showed inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it. The Fair Credit Reporting Act states that any Infor motion that is maintained on an individual 's credit report must be accurate. This includes unauthorized inquiries

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 2022-09-16
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
At the onset of the Covid-19 pandemic, on or around XX/XX/2021 to present, I have incurred interest on both of my consolidated Federal Student Loans. The Federal government through the Department of Education, is providing Student loan borrowers interest relief of XXXX dollars due to the Covid-19 pandemic. 
I have contacted my Student Loan Servicer and they are refusing to provide this interest relief on both of my loans because they state these are private loans funded by a bank, although they were Federal Loans under SalieMae. I am attaching documents of both loans indicating proof they are Federal ( FFELP ) Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
been trying to get Bofa to stop discrimination against me as I am XXXX and a senior. The credit card division has NONE NOTHING to correct the problem and lied to the cf.gov when they said they are working on it. they contacted me on XX/XX/23. I asked some simple questions and they have NOT replied or contacted me in over 15 days!!! this has impacted my credit report and I am unable to get another credit card because of them! 
I was rejected for too high credit limit since they will not reduce my credit line and too manys cards as well since I had to close the last one that they refused to lower my limit. 
You need to advise on where to file my discrimination report with the us government.

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 2023-02-09
Company: Checkr, Inc
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
In XXXX  I had XXXX fender bender. XXXX of these accidents were hit and run, the other another person fan into the left rear of my vehicle. As stated in my police reports I was never at fault for any of these accidents. Ive done XXXX for over three years and all these accidents occur during that time. However I loss my XXXX and XXXX account base on the report of these accidents by Checkr and in the pass XXXX  months I have been denied several delivery jobs by XXXX and others because of the inaccuracies of this report by Checkr. Ive reached out to them over and over again, trying to submit documents backing my claims and I have been unsuccessful so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: NV
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've been disputing inaccuracies for a little over a yeah with Experian. 
This is my final attempt to remedy this reoccurring issue with them. 
I've recently submitted a dispute with all my verifying docs, court paperwork, and police reports on all inaccurate information and fraudulent accounts. I sent this information last Friday XX/XX/2023 sent certified mail and they received it Monday XX/XX/2023 per my tracking. 
I need all inaccuracies and fraud accounts removed from my credit file immediately, even from their rent reporting bureau as those accounts have been paid. 

Per The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies.

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 2020-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2023-02-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 investigate the unverifiable items and update or repair them immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with. This debt is not mine. 

In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify the business where the account was opened and tell them the debt is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I have uncovered fraudulent, misrepresentation and deceptive practices by Citibank Banking. Citibank is intentionally posting erroneous and false Available Balances and false or inaccurate End Of Day balances designed to misrepresent the consumer 's accounts. My balance was close to {$4000.00} in the bank on XX/XX/19, and the available balance reflected this amount. Therefore I made some ACH payments to the bank and wrote a check. Both charges were returned for Insufficient Funds the next day and charged {$34.00} fees, even though the bank balance lists the End Of Day balance at roughly {$3800.00}. Citibank gave a reason for this, there were other pending charges made on the XXXX that reduced the balance available and thus these payments were rejected. However none of these pending charges were visible on the Citibank website. None of the balance was reduced at any time of the day. And the End Of Day balance prior to XXXX  and after XXXX  still showed the full {$3800.00} available. When speaking to Citibank multiple times via phone and chat they admitted that the end of the day balance is " wrong '' and not accurate, and I can not see the other transactions pending. The next day ended had a positive balance, and the end of day balance again was still over {$2500.00}. Yet I received NSF fees for these two payments and they were returned. When it was the XXXX, these transactions which were pending finally appeared online and posted, yet they were backdated to the XXXX. After speaking to Citibank about why they are posting false Available Balances, and worse, false End Of Day balances, they had no answer and yet refused to reverse the fees even after escalating to the supervisor division. It is clear Citibank has intentionally created computer algorithms designed to post false balances and trick consumers into making payments against a balance which doesn't even exist, in order to maximize fees. This is fraud and theft plain and simple to misrepresent and print, daily, a balance that doesn't exist, especially for multiple days at a time. Fortunately I have collected screen shots of all of these transactions chronologically as evidence.

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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dear Sir/Madam, I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines XXXX The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter. 

See Attached Dispute Docs detailing blatant consumer rights violations, The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law. I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with cIvil/federal court procedures such that of Dixon-Rollins v. Experian Information Solutions

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 2021-05-06
Company: EQUIFAX, 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 check my credit report on XX/XX/2021 and notice that XXXX  was reporting some inaccurate information concerning tradelines, name, address, and job also Equifax is reporting inaccurate information with my name, address, and job that needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
There are communication between myself and bank but they put as all my fault, I am veteran working away from home most of my times, so I told USAA to take out {$250.00} bi weekly for my car payment, well after XXXX payments they stop and I did n't realized they stop, after 60 days they repo my vehicles and told me I fail to make my car payments, my car payment was {$350.00} a month buy but I been paid them {$500.00}, after I relized they repo my car I called them and ask them why they not notified me they reply that I did not answer my phone! Well they lie to me becauce I did not received any call from them or letter mail? I ask them what number did they call? They said that they do n't have number anymore and other thing is they told me my XXXX bank account is closed, well again they lie, my account with XXXX still active. I ask my bank did USAA try to take any money out? They say NO ... .so I talks to USAA they now say that they only take out XXXX payments, I have to sign some kind of documents for them to take money for car payments??? They been taking {$250.00} out fine? Why they stop and blame on me not make my car payments??? Now I told them it a communication issue between myself and them, they not buying it ... And now they say too late to get my car back! It on auction???? Please help me on this issue! Thanks ...

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