BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-13
Company: Experian Information Solutions Inc.
State: PA
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:
Hello, XXXX Bless you all. My identity has been misused by criminals. I am a victim of identity theft. I have literally been feeling the pain of not being able to used my credit from accounts that were used without my consent. My life has took such a turn around in a negative way. I have kids who depend on me for a house and just like that I am being violated by the fraudulent accounts on my report. This can not go on no longer, I have did my research and you are suppose to protect me as a consumer. There have been so many data breaches in the last couple of years with your companies that could have effected my personal information being leaked and hacked although I am not accusing you we must understand what has taken place. My identity was stolen and I have multiple accounts that aren't mine. Doing my research I have seen that the FCRA 15 U.S.C. 605 B 1681 c2 that the accounts violate the law and have to be removed immediately, these accounts can not be validated because there are not mine so please Ive heard you try to verify them with the creditor but since my identity was stolen they will try to verify it as true which is inaccurate. As a consumer protect me from these companies who will say it was my doing when in fact I never had nothing to do with it and I am a victim. I do not want to go back and fourth with something that is not mine please fix this and protect my family from being homeless. I have filed a FTC report, Identity theft affidavit, proof of address, and a letter showing that I am disputing these accounts. Protect me as a consumer and give justice.

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 2021-04-22
Company: EQUIFAX, INC.
State: SC
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:
date XX/XX/14 looking at my credit report you are reporting inaccurate information from XXXX. 1st you are listing this account as a CHARGE OFF not a repossession which is a violation. 2nd the high balance isnt the same balance. XXXX/XXXX  is reporting {$27000.00} and Equifax is reporting XXXX if you all are getting the information from the same collector why are the numbers different? this needs to be deleted off all 3 of my credit reports immediately. Also after numerous times of asking a representative they could never VALIDATE this inaccurate debt. plz see attachment below

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX is America 's largest sub prime car loan company, who has been challenged in court by the attorney generals office. Per a lawsuit by 34 states including Florida, XXXX was found and has since admitted to wrongful unethical practices that led consumers like me, into loans that were purposely granted for the sole purpose of financial entrapment. thus, leading to early payment defaults. I have been notified by Florida attorney generals office that my loan is subject to receive a deficiency waiver due to their findings in my my case, as well as an additional monetary settlement. I have reached out to XXXX over 47 times, and to no avail, I have ad few representative that have tried to help me to the best of their ability, but have gotten nowhere. I have reached out to 4 major credit bureaus, I have disputed this particular account numerous time with each CRA, my reasoning was inaccurate information and account was in litigation and was found to be in the favor of the consumer ( myself ). I included copies of both complaint/ judgement and proof of my claim in the settlement. under the settlement XXXX was ordered to do balance waivers to those who had defaulted with in the first 12 months, I first defaulted in XXXX of XXXX, less then 6 months of purchasing the vehicle. XXXX continued their deceit in masking when my original default was by stating it was in XXXX of XXXX, when in fact it was in XXXX XXXX XXXX, and continued to default 13 times after. there are several in accuracies as I have stated before, the judicial orders aren't being followed and XXXX XXXX blatant carelessness to follow court orders and FCC regulations is unethical. I have attached all the lawsuit, claimant correspondence forms and CRA documentation and unique claimant form from the Florida Attorney Generals Office as evidence. 


account number XXXX XXXX XXXX XXXX XXXX ssn

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: CBC Companies, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX is America 's largest sub prime car loan company, who has been challenged in court by the attorney generals office. Per a lawsuit by 34 states including Florida, XXXX was found and has since admitted to wrongful unethical practices that led consumers like me, into loans that were purposely granted for the sole purpose of financial entrapment. thus, leading to early payment defaults. I have been notified by Florida attorney generals office that my loan is subject to receive a deficiency waiver due to their findings in my my case, as well as an additional monetary settlement. I have reached out to XXXX  over 47 times, and to no avail, I have ad few representative that have tried to help me to the best of their ability, but have gotten nowhere. I have reached out to 4 major credit bureaus, I have disputed this particular account numerous time with each CRA, my reasoning was inaccurate information and account was in litigation and was found to be in the favor of the consumer ( myself ). I included copies of both complaint/ judgement and proof of my claim in the settlement. under the settlement XXXX was ordered to do balance waivers to those who had defaulted with in the first 12 months, I first defaulted in XXXX of XXXX, less then 6 months of purchasing the vehicle. XXXX continued their deceit in masking when my original default was by stating it was in XXXX of XXXX, when in fact it was in XXXX of XXXX, and continued to default 13 times after. there are several in accuracies as I have stated before, the judicial orders aren't being followed and XXXX 's blatant carelessness to follow court orders and FCC regulations is unethical. I have attached all the lawsuit, claimant correspondence forms and CRA documentation and unique claimant form from the Florida Attorney Generals Office as evidence. 


account number XXXX XXXX XXXX XXXX XXXX ssn

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25
Company: ONLINE Information Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX, {$220.00} tried calling the original creditor and the company they sold it too so they could delete the in accurate information reporting to XXXX, XXXX, and XXXX debt was been pain in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I signed a settlement agreement with XXXX XXXX  to voluntarily vacate a rental property located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, by XX/XX/XXXX. The settlement agreement stipulated To the extent permissible by applicable law, XXXX shall remove all negative reporting entries regarding the subject loan number XXXX from Borrowers credit report. 

In XX/XX/XXXX, XXXX reported the following negative information on my Equifax credit file : XXXX XXXX  XXXX XXXX Balance : {$410000.00} Date of Last Payment : XX/XX/XXXX Past Due Amount : {$91000.00} Account Status : 120+ DAYS PAST DUE XXXX XXXX has not only breached the settlement agreement, but have caused compensatory and general damages. I was in the process of refinancing the loan on my principle residence in order to regain financial stability when XXXX XXXX reported foreclosure activity on my credit file. As a result of the negative reporting, I have been denied a refinance because of the foreclosure activity on my credit file and it has greatly impacted my credit score negatively. My credit score has decreased by 79 points because of the foreclosure activity reported on my credit file. 

It was critical for me to refinance my home because I lost income due to COVID. More importantly, it was critical for me to refinance my home in order to continue to support XXXX  XXXX who are in XXXX and dependent upon me for their college tuition and housing. My childrens college tuition and housing was jeopardized when I was denied a refinance. My family and I have been seriously impacted financially because XXXX  actions and breach the settlement agreement. 

I have filed 2 disputes with Equifax with an effort to get the foreclosure activity removed from my credit and XXXX XXXX responded to the dispute by verifying that the current status if being reported correctly. XXXX has verified to Equifax that the prior paying history is being reported correctly. I have also attempted to get this matter resolved by contacting your Loss Mitigation and Customer Resolution Departments and no one can or will assist with resolving this issue. 

Attached to this letter is the settlement agreement and a copy of 2 letters from Equifax with the dispute results. 

Lastly, XXXX XXXX  have failed to remove my name from title of the subject property and have pushed out the sell date to XX/XX/XXXX. This is the second time the sell date has been pushed out. Im inundated with phone calls from mortgage rescue companies inquiring about the subject property, which has caused unnecessary aggravation and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collector states they have to contact me about a non existant court appearance. Say the are collecting for HSBC card services. Debt was already paid to another creditor in XXXX. Even after talking to them they are harassing family and friends.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX, I executed a mobile deposit of {$19000.00}. Bank of America accepted the deposit, then put a hold on the account stating the funds would be released by XX/XX/XXXX at XXXX. 

On XXXX, I called Bank of America and asked why the hold was placed because the last deposit I made from the same company, of over {$13000.00} was processed without any hold. The representative stated that there was nothing I could do and could not provide any details of why the hold was placed. 

I learned on XX/XX/XXXX that the check I deposited had been debited from the source account on XXXX. I called Bank of America and demanded that the hold be released. The representative, wanted me to accept a disclosure that stated a lot of requirements that I would be liable for in order to get access to my funds. I declined the disclosure. 

I have had an account with Bank of America for over 30 years and never had problems with a deposit. Further, the prior deposit from the same company did not result in a hold. While I understand that a hold can be placed, but the hold should have been automatically removed on XXXX when the funds were transferred to Bank of America from the source bank.

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 2020-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XXXX/XXXX/2020 I sent a letter regarding inaccurate information on my credit report over 30 days ago. I have not received a response. I feel like I am being taking advantage of and ignored regarding my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 45 days. Which mean it should be deleted immediately. If they are not deleted from my credit report. I will file for litigation due to the stress this has caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of someone else.

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 2017-11-19
Company: Experian Information Solutions Inc.
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:
I have sent two sets of letters to have inquiries removed that I did not authorize. XXXX inquiries are concerning property rentals which I didnt authorize and live in a house and wasnt looking to move. XXXX from a credit card I didnt solicit and declined their credit offer and they closed the account when I contacted the creditor and lastly a inquiry for a car purchase when I had my financing in place.

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 2020-04-27
Company: Fidelity National Information Services, Inc. (FNIS)
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:
Chexsystems reporting an FTC violations with XXXX XXXX XXXX XXXX {$1500.00} and {$49.00} both FTC violations

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 2020-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate information on my credit report over 30 days ago. I have not received a response. I feel like I am being taking advantage of and ignored regarding my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 45 days. Which mean it should be deleted immediately. If they are not deleted from my credit report. I will file for litigation due to the stress this has caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of someone else.

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 2018-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After reviewing my credit file I have noticed that there are 5 inaccurate fraud accounts listed onto my credit file. I have initiated one dispute yet you still have failed to remove from the credit file you maintain under my name and social. I have enclosed my FTC Identity Theft Report, proof of my identity. Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. I have also contacted all 5 companies yet they have failed to validate any of these alleged accounts so how in the XXXX are they verifying them with you. Please remove these accounts 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 2021-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please help assist me, I'm paying on a loan that is not listed correctly on my credit file. I have sent several request and there has been not one response back. 

The account is listed as follows CAPITAL ONE AUTO FIN - XXXX Furnisher : CAPITAL ONE AUTO FINAN The account states " Profit and loss write off '' however I am paying for the car. Please help me get this corrected and or removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: MoneyLion 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: Account status incorrect

Complaint:
I applied for a loan but never took the money. I closed the account the same day i applied. 
The company has listed the account ( about 2 years later ) as delinquent on my credit report. 
I have already disputed the account with CFPB once and they acknowledged the mistake. 
Since then the account was added again to my credit report as open with a delinquent balance. 
Previous compaint number with CFPB XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 have reached out to this company a total of 6 times within the past year and have never received an answer regarding information on my credit report. I requested for this company to complete a fair investigation, Not only did this company fail to do that but they are knowingly reporting false information on my credit report. Many account have been illegally re aged, many collection agency accounts show a past due balance, many have the incorrect balances. At this point the credit bureau has absoublely disregarded every single one of my request! This is illegal and i need help rectifying the erroneous reporting on 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 2021-05-26
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: Information belongs to someone else

Complaint:
Hello i went to the bank to get a home loan and when my credit was pulled i noticed many fraudulent accounts. this is stoping me from obtaining a home and obtaining 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 non-monetary relief
Consumer complaint received 2021-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
paid off car loan dealer bought over paid by almost 3 k they keep telling me my XXXX  XXXX  check in mail n ever got

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 2020-04-27
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am trying to link my account to XXXX  and to XXXX but PNC doesn't allow linking to these 3rd party apps even with my authorization. I do not understand why. I would like to be able to use these 3rd party resources to help manage my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The last week of XXXX ( I think XXXX ) my XXXX  was hacked and the person sent {$150.00} to himself. I called and XXXX and they told me I needed to call my Bank thats linked with my XXXX, which is Chime. I call chime and file dispute on charges and about a week later I was refunded the stolen {$150.00}. 

Today I look at my app and see it shows negative - {$150.00} because Chime investigation said it never happened. Well it did happen, and now they are making me pay {$150.00} for it in the middle of a Pandemic that was taken care of 5 months ago. Whatever makes them think it didnt happen doesnt matter because they would be wrong regardless. It happened and I took the loss of {$150.00}. Chime needs to take this charge off my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: Experian Information Solutions Inc.
State: CT
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:
they are couple accounts in my credit report that violate the HIPPA Law and this company is letting happening without proper investigation as my requested. 

please see attached all my dispute letters i also move i am sending my current address as well with my ID

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