BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-19
Company: Experian Information Solutions Inc.
State: NJ
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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be updated or corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items will be repaired immediately : 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 XXXXXX/XX/2022

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 2017-12-20
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX XXXX XXXX is a fraudulent account. 
XXXX XXXX is a fraudulent account XXXX XXXX is a fraudulent account.

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 2017-09-17
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On Sunday XXXX XXXX XXXX a credit manager gained access to my credit report and damaged my XXXX and XXXX score. 

Experian and third parties gained access to my report and changed accounts. 

Experian has not followed reasonable procedures in cases of disputed accuracy involving the following tradelines. 

Reported inaccuracies and FCRA compliance 1.XXXX XXXX XXXX 2.XXXX  3. XXXX XXXX EXPERIAN did not independently validate information contained in furnishers records. 
false delinquencies EXPERIAN, failed to implementing the accuracy and integrity standards and direct dispute provisions for furnishers mandated by the Fair and Accurate Credit Transactions Act ( FACTA ). 
EXPERIAN failed data quality checks or failed veracity checks which contained logical inconsistencies in the data both at the level of the data file and at the individual consumers trade line. 
EXPERIAN withdraws consumer credit disputes via the XXXX system when prior to creditor response, and provides bogus verifications response and fails to provide consumer procedural and proof of investigation report required under the FCRA.

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 2019-06-06
Company: MCU Holdings, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On 2019-XXXX, I was contacted by MCU Holdings. As I was driving, I advised them to contact me by email and that I would not talk on the phone longer than necessary. 

On the same day, I received a document via the 3rd party website XXXX. the document states that it is an attempt to collect a debt, but it does not contain notice of my right to dispute within 30 days, nor does it mention anything else about the Fair Credit Reporting Act. The notice also only identifies me by name, not a more authentic identifier such as SSN. Because of this, I suspect the legitimacy of the claim.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
CRA violation. Fraudulent accounts appear on my credit.

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 2021-03-25
Company: ALLY FINANCIAL INC.
State: CT
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:
I never authorized this company to run my credit.I need this inquiry removed from my credit immediately.

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 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2019-06-06
Company: ID Analytics, Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
This " credit reporter '' requires copies of sensitive personal information to be physically sent in order to get a copy of a credit report. There is no online access. They don't answer the phone during normal business hours despite multiple attempts. Their scoring does not take financial obligations or history into account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: MB FINANCIAL, 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:
I checked my personal credit report, which I acquired on XX/XX//18 and I noticed an unauthorized inquiry had been made. I contacted mb Financial, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into mb Financial inquiry on my credit report to determine who authorized the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: Ditech Financial LLC
State: MD
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 refinanced a home loan with Ditech Mortgage. The process was pretty sloppy, I received multiple documents referencing different amounts due @ closing among other discrepancies. They even had to send the notary back out because they missed a document. The most challenging issue was when my first payment was due. I was told by the originator that my existing automatic payment setup would rollover to the new loan and no action was required for my payments to continue to be made automatically. Turns out that wasn't true. 

That led to a late payment being made. As soon as I was aware of the problem I brought the account up to date. 

I immediately phoned Ditech, attempting to get my despite escalating with Ditech 's customer service organization I was repeatedly told there was simply nothing they could do, despite the refi and my stellar payment history with the firm. They took no responsibility for their actions.

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 2020-05-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
After reviewing my credit report I found errors, invalid and accurate accounts reporting on my account.

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 2019-06-06
Company: LEXISNEXIS
State: TX
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:
opt out off lexis nexus or any date reporting system id theft victim ftc violation was sent to XXXX  with my 4 social showing on credit report and they haven't done anything

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
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 reached out to XXXX  XXXX XXXX, XXXX, and XXXX  XXXX for a payment history but they told me that I can get the payment history from online. I printed out the online payment history and sent them to all three credit bureaus along with a disputed letter telling them to update my payment history to reflect the printout. They updated some payments and then changed the undisputed payments than what they were prior to the dispute. All three credit bureaus are reporting something totally different, so how are they actually being verified/validated by the furnishers?

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 2019-06-06
Company: VIRTUOSO SOURCING GROUP, LLC.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX chapter XXXX bankruptcy attny XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Block, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I used my debt card in a atm an it didnt give me my money or a receipt they keep denying my clam without an investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In the mid XX/XX/XXXX I opened a CD Account with Wells Fargo, I deposited {$10000.00}. I never touched it. I received my monthly statements up until XX/XX/XXXX give or take. I didn't pay much mind to it with everything becoming paperless. When I inquired about my money a couple of years later I was informed the account could not be located, my money disappeared. I have inquired in so many bank branches for so many years and its always the same answer ( NO RECORS, AND THEY DONT KEEP ANY PAPERWORK OR INFORMATION AFTER SEVEN YEARS ). I already inquired with the State of California 's Unclaimed Property they have nothing on file as well.

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 2019-06-06
Company: EQUIFAX, INC.
State: TX
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:
opt out off XXXX XXXX or any date reporting system id theft victim ftc violation was sent to Equifax with my 4 social showing on credit report and they haven't done anything

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Recently reviewed credit report stating that I owe a debt with Cash Central that being collected by XXXX XXXX XXXX. I have never been associated with the address they have listed/linked to report. I have never received notices about the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. XXXX  is also reporting this same account as a duplicate but with a differing account number. Please reference partial account number XXXX. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates and reporting a duplicate account is error is seriously harming my credit score and these line item needs to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2022-08-10
Company: Van Ru Credit Corporation
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In 2010, I spoke with a representative about the best solution for my students loan payment. I was under the impression default will allow me to return back to college after 6 months of payment. I made payment with XXXX XXXX  XXXX of XXXX. Instead of being able to review the funds on my account my account, I am witnessing to my account in default and the payment made no where in site, please help.

Company response to consumer: Untimely response
Consumer complaint received 2019-06-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In XX/XX/2018 I called USAA to report a change in address. This was followed with a brief note advising the same. I did not receive a billing from USAA for approximately 60 days thereafter and when I did it had been forwarded from my old address which continued for the next billing cycle. By this time I was in serious arrears. When I communicated my circumstance to representatives of USAA now calling repeatedly, I was told that I was in arrears and the minimum payment was required. I continued to make regular monthly payments but was unable to make the required minimum payments which were now piling up due to my so-called delinquency. Late fees and delinquency fees by this time now consuming my regular monthly payments. I have tried to work through this matter with representatives but to no avail. I recently requested moving back my monthly billing date as in XX/XX/2018 I sustained a serious injury, XXXX XXXX XXXX, and have been unable to work since, I was told that this could not be done until my account was current, which by their standards I was not. I have written everyone in USAA even XXXX XXXX CEO of USAA who passed me off to a XXXX XXXX who as advised me that he " regrets being unable to reach me by phone, '' My phone records do not show any telephone calls from Mr. XXXX and I have called his office at least three times, None returned. I simply need help. USAA will not assume ANY responsibility for their failing in this matter and I am being required to pay for it. These practices " boarder '' on predatory lending and they will assume no culpability in this circumstance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
Consumer has disputed inaccurate information reporting to 2 of the 3 major credit bureaus on behalf of the company LexisNexis Risk Solutions. As well as going directly to them in efforts to dispute the false and inaccurate information as well. LexisNexis has offered on more than one occasion an automated invalid timely response to consumers disputes. Responding outside of the 30 day window given and not updating each consumer report with marking the item in question as disputed. Consumer has sent certified letters on multiple occasions outlining a detailed response from this company, as well as placed a security freeze multiple times on consumers report to block any future inquiries on the inaccurate report. neither has been honored and in result consumer has suffered major financial injury loss and defamation to his name. Consumer has even reached out directly to the US District Northern Bankruptcy court and they've confirmed they furnish NO INFORMATION what so ever to any credit bureau or data mining company such as LexisNexis ( See attachments ) All the detailed evidence I have supports my claim of this inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
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: Transaction was not authorized

Complaint:
I have a checking account with Bank of America, and last night ( XX/XX/2019 ) I went to the ATM to withdraw {$800.00} to pay my nanny the next day. I only had {$310.00} in my account, but I had scheduled a wire transfer from my XXXX XXXX account a few days earlier, and it was set to arrive today ( XXXX ). These transfers always complete overnight, so I wasn't worried because the BofA ATM has a message which claims you'll only be charged an overdraft fee if the funds aren't available overnight. So I withdrew {$800.00} and didn't expect any problems. 

I've done this several times in the past with BofA and haven't been charged fees, but this morning, for some reason, I was charged two {$35.00} overdraft fees even though the wire transfer completed overnight and there were funds in the account the following morning. One was for the cash withdrawal, and the other was for a XXXX payment my wife attempted to make about 2 minutes after I withdrew the money. 

I was pretty upset by getting {$70.00} worth of overdraft charges, since I had been playing by the rules as I understood them from the prior behavior of the bank, as well as the message on the ATM regarding overnight funds. 

I called BofA just now and the first customer service representative flat out refused to refund either fee. I asked to speak to a supervisor, and was connected to XXXX, the Deposit Floor Manager at the customer service facility in Montana. 

To my shock, XXXX informed me that my wire transfer with the incoming {$1000.00} was 'only 1 minute 13 seconds late '. She claimed that the money withdrawn from the ATM that night was a 'loan ' and the overdraft fee constituted 'interest ' on that loan. I was also given a long lecture about how all this was in the fine print of my account holder agreement. She then claimed that the bank had to draw a 'line in the sand ' against people like me and that there was nothing she would do to fix the problem. 

After persisting with XXXX for roughly 20 minutes, I finally convinced her to waive one of the {$35.00} fees, as a 'customer courtesy ', but she insisted that the bank was playing fair and refused to refund the other {$35.00} fee. 

I was not aware that I was taking out a loan from the bank when I accessed cash from my checking account in a manner I've done many times in my 22 years with BofA, and if so, an instant {$35.00} interest charge for an {$800.00} 'loan ' is an outrageously high amount, akin something a shady payday lender would do. 

I'm hoping that the second fee can be reversed because I'm on an extremely tight budget and every dollar counts for me and my kids.

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