BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I had taken out a free trial for XXXX $ with experian two different memberships I was charged for {$29.00} which came to XXXX  $ per month. I called in an cancelled both memberships it was never cancelled and I was charged forXX/XX/XXXXand XX/XX/XXXX. I just noticed on my credit card billing the lady I spoke with onXX/XX/XXXX was never cancelled they just told me again onXX/XX/XXXX that it was cancelled and only refunded me one month when I was charged for 4 payments of {$29.00} on both memeberships I want my refund for XXXX $ to be reimbursed. I called in I know calls are recorded and experian did not do their part of cancelling the service and giving my credit like she told me in XX/XX/XXXX. my confirmation number they just gave me is XXXX and I had a confirmation from XX/XX/XXXX but didnt keep it the ID # XXXX and 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 monetary relief
Consumer complaint received 2020-11-22
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 {$0.00}. 
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 ) -- STUDENT LOAN 1. US DEPT OF ED/XXXX with ACCT # XXXX opened on XX/XX/2013 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
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: Account information incorrect

Complaint:
I am writing to dispute a billing error in the amount of [ {$1400.00} ] on my account. The amount is inaccurate because [ XXXX XXXX  has been overbilling me for XXXX Fees for 18 months ]. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. 
Enclosed are copies of [ my requests for them to correct the balance due and apply the {$1300.00} of payments made towards my account which was {$1200.00} ) supporting my position. Please investigate this matter and correct the billing error as soon as possible. I contacted XXXX regarding the {$11.00} fee charged to my account on a monthly basis and they informed me that XXXX XXXX  was overcharging me intentionally to prevent my principal amount of {$1200.00} from being decreased. None of my payments of {$1300.00} are applied and my balance is {$1400.00} as of this date. I think this is Consumer fraud and XXXX XXXX  is using derogatory credit methods to get me to pay them in excess of what I have already made. 
Sincerely, 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 2020-09-06
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: Information belongs to someone else

Complaint:
These are not my accounts. Please remove them.

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 2020-09-01
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XX/XX/XXXX I withdrew funds from my 401 ( K ) and deposited them in a joint account. The funds totalling {$46000.00} were in a citibank account. I had transfered approximately {$18000.00} from the account and moved it to my personal checking. 

I received a debit card but there was a delay in the pin so when I received it and tried to activate the card but was unable to as I was blocked from the account. On XX/XX/XXXX I called customer service, they stated that there was a glitch in their system and they had closed the account, that a check with the remaining funds would be mailed to me. I explained I needed the funds ASAP and the agent said he would request for the check to be expedited and I would receive it within 3-5 days. I called again on XX/XX/XXXX and an agent stated the account had been closed and a check was mailed on XX/XX/XXXX. To expect it by no later than XX/XX/XXXX. I called today, XXXX as nothing was received and the agent ( XXXX ) said a stop was placed on the check but she was unable to provide  any reason, explanation or a date as to when I could access MY funds. I asked to speak to a supervisor ( I was on hold for 2 hours on and off ), the supervisor ( XXXX XXXX ) said I was blocked out of the account but she was unaware of the reason, that there was nothing they could do except close the account and send me a check? ( but I thought this had already been done?? ) she said that was not her department and she would transfer me to the manager on new accounts ( XXXX ). XXXX was extremely rude, raised his voice and offered no solution or accountability. He said the only thing he could do was send an email and that I would hopefully have my money in 10 days. 

I work for the XXXX XXXX XXXX XXXX XXXX XXXX. I am worried about people that dont know their rights or the laws pertaining to their accounts. This is completely unnaceptable. Everyone I spoke to had no sense of accountability, no solution and awful customer service. I am talking about {$30000.00} gone with the wind. I have no idea where my money is or when I will get a hold of it again.

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 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXXBalance : {$1900.00} XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$3800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$920.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXXBalance : {$1400.00} XXXXXXXX XXXX XXXXXXXX XXXXBalance : {$3500.00}

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 2020-09-01
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: Old information reappears or never goes away

Complaint:
These accounts are older than 7 years old and should be removed from my credit report immediately my children are now adults with kids. these payments stopped more than 7 years ago the balance remains the samePlease help me with this problem

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 2020-09-01
Company: LDF Holdings, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
This is a loan from 3 years ago from Sky Trails Cash that was taken care of and paid off. I completely forgot about this loan and haven't received any call or anything in writing stating I owe anything, then all of a sudden today I get a call from a third party group saying I owe {$590.00} or there will be legal action against me. I don't owe them anything and I don't want them showing up at my house serving me with papers.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have an account with Conns, and have never been late with my payments on my account. I was due for my payment on the XXXX of XXXX and they have constantly been calling and calling more than XXXX  per day. I have tried to work out something with them, however they stated that they will continue to call as they want to set up and reserve the payment with XXXX of my cards on file. I did advise them that if they continue the repeated calls, I would escalate and they did state that its due to that XXXX payment pending. Please advise what can be done in my situation. I do plan to make the past due payment on Friday, I am aware and looking to just close this account out as soon as possible to avoid any other fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: MoneyLion Inc.
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
There are so many problems here, I dont know where to start. I signed up for a MoneyLion account, enticed by the quick {$500.00} loan and XXXX app. I received the {$500.00} loan and made 1 payment on it. Since the payments are automatic, I assumed the loan was being paid because there were charges to MoneyLion on my account every month. I recently got notification from XXXX XXXX that a negative mark is on my credit report because the loan hasnt been paid in a while. I was never contacted in any fashion. No calls, no emails, no texts to tell me that my payments were not being applied. But money was still being taken out of my account. The money being taken out of my account was for MoneyLion Plus, of which a portion goes to the MoneyLion investment account. 

I currently have about {$440.00} in an investment account with MoneyLion and I owe about {$460.00} on my loan, which I can not make payments to, not because of financial inability, but because I can not reach customer service. I have tried on 4 different occasions : XXXX MST XX/XX/2019 I was on hold for 45 minutes and then hung up. XXXX MST XX/XX/XXXX I was on hold for XXXX hour and no one answered, so I hung up. XXXX XX/XX/XXXX, I was on hold for 1.25 hours and no one answered. XXXX MST XX/XX/XXXX I was on hold for 1.5 hours and no one answered. I have spent at LEAST 4.5 hours trying to get a hold of customer service. 

I would like to liquidate my investment account, apply it towards my loan, pay the remaining balance, and close my account and see MoneyLion pay for the horrible customer service. Actually, its not even horrible - its nonexistent. 

I would also like to know why the MoneyLion Plus payments were being taken from my account, and the loan payments were not being taken from my account. 

I now have increasingly bad marks on my credit report after spending 2+ years paying off my debts and getting my score back up and the worst part is that I have zero control over  this. 

Please do something. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: VA
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'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXXXXXXBalance : {$140.00} XXXX  XXXXBalance : {$210.00} XXXX XXXXXXXXBalance : {$210.00} XXXX XXXXXXXXBalance : {$210.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXXBalance : {$1900.00} XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$3800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$920.00} XXXXXXXX XXXX  XXXX XXXXBalance : {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Experian Information Solutions Inc.
State: AZ
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:
On XX/XX/2021, I sent a letter to XXXX  credit agency to investigate and remove any and all information that is inaccurate and non-verifiable. As of today, I have only received a generic letter from XXXX  of there Investigation Procedures. Prior to sending the letter, I requested a copy of my report, received, reviewed and notice address which I had not lived, as well as inaccurate information. 
Experian removed all inaccurate address and added more that did not belong to me.

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 2020-10-18
Company: EQUIFAX, INC.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XXXX of XXXX I locked my credit report and received a letter from Equifax describing how to unlock the credit. They have changed the process without noticing me and now I find out that I am unable to unlock report without sending them additional information and wait an unreasonable amount of time. They were unhelpful on the phone today ( XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a mortgage on my Rental property with Rocket Mortgage - Quicken Loans. They called to say they have an opportunity for a lower APR. They have done this multiple times. The first time they evaluated my loan and said they actually could not improve my loan enough since it's on a rental property. I said fine and ended the process. They called me again the next month. I told them again it was already evaluated and they can't do anything. They called me again yesterday XX/XX/20. This time the agent who made the call I advised the same thing but without asking for my authorization he transferred me to a Loan Officer. I spoke with him and told him the same thing. I don't need to refinance and you can't do anything for me. He said okay. This morning I received a text saying I had scheduled an appointment with XXXX from ( XXXX ) XXXX for XXXX XXXX CST today. Now they are in violation and this is harassment and potential fraud. I called them this morning and spoke with XXXX. She was the escalation rep and said she will look into it and block my account from getting contacted in the future. I believe their practices need to be investigated so this does not become like the XXXX XXXX issue where they opened accounts without authorization. Transferring calls without authorization and scheduling meetings via text message without authorization should not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern, Going over my credit report, I have found that there is inaccurate information listed such as my name ( s ) and address ( es ) in which I  am requesting an investigation for the following erroneous items : I Demand Deletion of all these inaccurate names : - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX I Demand Deletion of all these inaccurate addresses : XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX -XXXX XXXX XXXX XXXX FL, XXXX-XXXX -XXXX XXXXXXXX XXXX XXXX XXXX FL, XXXX-XXXX XXXXXXXX XXXX XXXX XXXX NY, XXXX-XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL, XXXX-XXXX -XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX-XXXX -XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX -XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX-XXXX -XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX, FL XXXX -XXXX XXXX XXXX XXXX FL, XXXX -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX , XXXX -XXXX- XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX -XXXX XXXX XXXX XXXX  XXXX SC , XXXX- XXXX -XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX-XXXX -XXXX XXXX XXXX XXXX FL, XXXX-XXXX -XXXX XXXX XXXX  XXXX XXXX  MD, XXXX-XXXX -XXXX XXXX XXXX XXXX XXXX VA , XXXX-XXXX My correct information is as follows and I have attached proper documentation to support my request : ( can send a utility bill etc. to show that you reside there and a copy of your licenses.

1. My name is XXXX XXXX XXXX and should be spelled, FIRST NAME IS XXXX, MIDDLE NAME IS XXXX AND LAST NAME IS XXXX. 

2. My current address is : XXXX XXXX XXXX XXXX , XXXX, FL XXXX-XXXX Please delete the above disputed items and ( 30 )  days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: One Source Technology
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
This company reports outdated information ... .the way they do this is change a XXXX XXXX to read XXXX ... .ive had 3 reports pulled in the last 6 months ... all three were different with false and incorrect information ... somebody with this agency or the reporting agency is falsifing the information.. 
Recklessly ... negligent..willful..and with malice..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: Experian Information Solutions Inc.
State: VA
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:
My identity was compromised and it has left an negative impact on my credit file, and with that said I'm asking for this fraudulent and unknown account to be removed and blocked from my credit file immediately. 

1. 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