BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-18
Company: EQUIFAX, INC.
State: CA
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: Other problem getting your report or credit score

Complaint:
I subscribe to XXXX  for credit monitoring, their scores and accounts are in line with XXXX, however, Equifax is nowhere near the other repositories, in addition, Equifax was not reporting any account for my credit for over one year, not one account. 

When I asked about the large disparity in reporting, I was told I could buy a copy for {$10.00} which I found ludacris when I asked about the scoring method the response was we can't give that information out. I have reviewed the scoring policy of all three repositories although slightly different there is a common theme.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I filed a complaint against One Main Financial regarding their lending terms and practices. I was concerned that the terms of my loan agreement were usury and unfair. Shortly after submitting this complaint with your office, I was contacted by the customer service office of One Main telephone number ( XXXX ) XXXX XXXX, where I was questioned about the nature of my complaint. 
Shortly thereafter, I noticed that an unauthorized debit was initiated in my checking account by One Main Financial. I am concerned that this debit, which was processed without my consent or authority, was processed in retaliation to the complaint I filed against this company with your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: AZ
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 is fraudulently reporting on my consumer report without written consent or authorization to report. XXXX has not provided a signed contract between XXXX and XXXX XXXX that give authorization to report on my consumer report. Requesting that this company be removed from my consumer report 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 2019-09-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was recently on my XXXX XXXX and noticed 2 things I feel are Inaccurate. XXXX XXXX is giving me 2 hard Inquiries on XX/XX/19 and XX/XX/19. I don't know if my social security # was ran a few times due to fraud. I am pretty confident I did not authorize backround checks twice in the same month. I called XXXX cards and asked them to remove these hard pulls or under the fair credit act to show me the proof of me signing something allowing them to run my credit under a hard pull twice In the same month. I feel this is inaccurate and am looking for both to be removed from my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I received a message from what I thought was a real account that I follow on XXXX offering XXXXXXXX XXXX  for {$30.00}. So I sent them the money through PayPal and was told they would send it to me in twenty minutes. Two hours went by and when I checked the XXXX account they had blocked me. The PayPal transaction ID is XXXX and it was sent to XXXX XXXX on XX/XX/22. They told me to send it through friends and family so I can not dispute the payment for goods not received. The account was _aquardmoonfairy and they then changed their name to XXXX after I reported the page.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am writing to request a correction of the following information that appears on my credit report.

I am a victim of identity theft and I write to dispute certain information in my file resulting from the ID Theft.

I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized.

Please carefully review and remove or correct this information at the earliest possible time.

Enclosures -Copy of the FTC Identity Theft Affidavit -Copy of the Social Security Number -Copy of the Driver License -Copy of the Utility Bill

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 2022-09-02
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I personally did not authorize or submit to any inquiry or credit check from ANY of these companies. One company was even able to pull my credit file TWICE IN two days! I never approved or even attempted to have my credit pulled bc at the time I was highly financially affected by covid-19. From immediate family to extended family to myself. There was no way I could afford any big purchases that required credit pulling. I'm asking that ALL of these inquiries be IMMEDIATELY removed from EVERY CREDIT BUREAU due to fraudulent reporting and sensitive information misuse. This is immoral and illegal. I never spoke to these people, never met these people, let alone give out MY SOCIAL SECURITY NUMBER for items or services I KNEW I could not afford or maintain. This is an EXTREMELY URGENT matter that needs to be taken VERY SERIOUSLY. I am willing to proceed under a court of law if necessary.

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 2019-08-22
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My American Express credit card statement for XX/XX/2019 included a charge of {$2700.00} from XXXX XXXX for a flight I did not book or take. I reported this to American Express and they set up a fraud claim, credited my account and replaced my credit card. That should have been the end of it, but I recently have received a letter from American Express saying that they are reversing this determination because " According to documented company records, you provided your account number to a Service Establishment '' and " By doing so, you are giving them permission to charge your account. '' The letter stated " If you wish to pursue this matter further, you should contact the merchant directly '' which of course I have done. The American Express response means that if there is a fraud involving any merchant with whom I have done business using my credit card, I have no protection. This seems crazy. I have talked to the XXXX XXXX fraud office but have received nothing in writing from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I personally did not authorize or submit to any inquiry or credit check from ANY of these companies. One company was even able to pull my credit file TWICE IN two days! I never approved or even attempted to have my credit pulled bc at the time I was highly financially affected by covid-19. From immediate family to extended family to myself. There was no way I could afford any big purchases that required credit pulling. I'm asking that ALL of these inquiries be IMMEDIATELY removed from EVERY CREDIT BUREAU due to fraudulent reporting and sensitive information misuse. This is immoral and illegal. I never spoke to these people, never met these people, let alone give out MY SOCIAL SECURITY NUMBER for items or services I KNEW I could not afford or maintain. This is an EXTREMELY URGENT matter that needs to be taken VERY SERIOUSLY. I am willing to proceed under a court of law if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
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:
XXXX XXXX ( dated open XX/XX/XXXX XXXX XXXX XXXX ( date open XX/XX/XXXX. 
These accounts are fraudulent as well as misleading considering I did not open these accounts nor am I aware who did. Furthermore I did not request to have these fraudulent and inaccurate items reporting on credit profile which violates 15 USC 1681 section 602a and 15 USC 1681 section 604a section 2. 

Ive contacted both parties and complied with their request. All necessary documents have been submitted on numerous occasions. Still the issue has not been resolved

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 2019-09-06
Company: EQUIFAX, INC.
State: CO
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:
Equifax and XXXX are incorrectly reporting a collection of {$5000.00} on XXXX XXXX XXXX partial account number XXXX. ( Please see page 12 of the attached credit reports. ) In XXXX, XXXX my fathers basement flooded. I have attached copies of the revised claim dated XXXX. I had power of attorney and when the basement of his home flooded I signed the documents on his behalf. ( Please see attached. ) This account belongs to my now deceased father, who has since passed away. XXXX XXXX XXXX XXXX XXXX Colorado sent Invoice Number XXXX, dated XXXX in the amount of {$5900.00}. ( Please see attached. ) XXXX distributed several checks via electronic funds in the amount of {$600.00} on XXXX ; {$2500.00} on XXXX ; {$2800.00} on XXXX, and {$99000.00} on XXXX. ( Please see attached. ) The total dollar amount of checks that were distributed from XXXX was {$7000.00}. These insurance reimbursement checks covered more than the balance due and therefore there is no outstanding balance to collect. In addition, as I stated above, this account does not belong to me. This incorrect reporting of a collection on my credit report is harming my credit score. These line items need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: National Enterprise Systems, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Nes called me in early XXXXstating I had an outstanding medical bill. I did not recognize the date of service and I did not recall ever receiving the medical treatment they described. I asked them to send me documentation and never received anything from them 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 2020-12-03
Company: Remitly, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Someone used Remitly Global to send money using my personal bank debit card. I had never heard of the company Remitly until it appeared on my bank account. The transaction was submitted on XX/XX/XXXX. They submitted this amount twice. My bank account has suffered because it caused my account to be overdrawn. I called Remitly and was on hold for over 30 minutes. When I finally spoke to someone, they transferred me to the consumer protection team. I was working with someone named XXXX. I gave her my name, phone number and she asked if she could place me on hold. While holding, the call dropped. She never called me back. Im so upset about this situation. I dont know who the person is that used my debit card and how they got it unless they stole my card info somehow. Remitly should have better security measures in place to verify the financial information thats being used.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: Mr. Cooper Group Inc.
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:
Our Loan was transferred or sold to another company. The sale or transfer date was XX/XX/2019. The new owner was XXXX XXXX with Servicing of the loan being handled by XXXX XXXX. The Loan number is XXXX The actual transfer happened on XX/XX/2019. 

Recently we have been having problems with, first the Nationstar/Mr Cooper loan shwing on our credit report starting this month as being OPEN with a balance of {$190000.00}. We put in a compliant to XXXX through CFPB ( this format ) on the XXXX of this month. On the XXXX the credit reports started showing the Nationstar/Mr Cooper loan being closed, but the our XXXX account shows that there were other things also happening in the credit file that shows changes were made to the Nationstar/Mr Cooper credit file that not only altered the dates or recorded delinquent periods. This in fact lowed my credit score for that account. Put a call into the CFPB this morning and was told that XXXX  indicated that the account could only be controlled by Nationstar/Mr Cooper, and they were the ones that did not close it, and if I needed anything change or corrected, I would need to contact Nationstar and ask for XXXX XXXX. I'm not clear who made the changes and why would Nationstar/Mr Cooper would make such changes, being it something we had never before experience when were were with them. They have for the past ten years been an stellar and exceptional mortgage servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: MoneyLion Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I noticed that moneylion had not been deducting the payments I had set up with them. I navigated their site and I couldn't find a payment portal, so I emailed them 4 times and I tried calling to no avail. ( this is a common complain that can be found online with other customers as well ). The hold time on the phone is long and then an operator comes on and says they're busy and tells you to call back later. I also emailed them requesting that they deduct the balance due from my bank account. I emailed them a total of four times. Also, I had my payments setup for automatic deduction, why did it stop? Yesterday, XX/XX/19 I I recieved an online notification that my Moneylion account is delinquent. This is very frustrating. Moneylion also went back and changed my payment history, all the way to XXXX, as delinquent. Although they had been automatically deducing payments from my account. Then in XXXX, for some odd reason, they stopped. They haven't returned any of my emails to rectify this situation. I am requesting that someone from Moneylion get in contact with me so I can pay my balance off and also Moneylion should correct my account to the credit bureaus as not delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call daily at least 5 times from various numbers at all times of the day. They also automatically enrolled me in payment alerts via email. I 'm aware I owe them money calling non-stop wo n't make it appear in my bank account. Maybe they should focus on the customers they defrauded instead of wasting my time and theirs.

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 2022-09-02
Company: ALLY FINANCIAL INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Applied several times for checking account. Received a letter stating they cant verify my identity. I have since ran all three credit reports. All is in order. 

Application # 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 2019-04-18
Company: Experian Information Solutions Inc.
State: NC
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:
The credit reporting agencies sent a response. The agencies wanted information that the XXXX County Sheriff or XXXX XXXX Police do not remember. I will be sending a copy of my divers license. This was an international incident and XXXX should have all information concerning the problem that was theft but may not have been ID theft even though my card was used in an illegal transaction. However, this information that was placed on my report has cause more harm as long as it is on my report. The reporting companies need to know if the information is true before placing negative marks on my credit report. Because it is in good standing does not make mark or information mine.

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 2018-02-05
Company: U.S. BANCORP
State: IN
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:
I am currently trying to refinance my home but my payments are not being reported/recorded with the credit bureau's..My credit was pulled just recently twice and both told me there is no record of US Bank reporting my payments to the credit bureau 's.

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 2019-04-18
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 120 days late payment on the dates XXXX to XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
One of the services I used when a customer of PNC Bank, was the money transfer service known as XXXX. When PNC told me they were closing my account, never gave a reason except they can do this, and I have no problem with this policy. If they don't want me, so be it. My account number was XXXX. Routing number was XXXX. 

However, when they closed the account, they did not release me from the XXXX service I had with them. I called XXXX XXXX, and they informed me that PNC would have to release me from the XXXX service I had with PNC before I could establish service directly with XXXX. To this date, PNC has refused to release me with no reason given. XXXX is an independent business that banks use as a service for their customers. I don't believe PNC has the right to not release me from their XXXX, an independent business. 

I am seeking to have PNC release this hold on my ability to do business with another independent business. 

I look forward to what you learn. 

The PNC branch I used is located at XXXX XXXX XXXX XXXX, XXXX, MI XXXX. Their phone # XXXX PNC XXXX XXXX is at XXXX XXXX XXXX, XXXX, PA XXXX Phone - XXXX Sincerely, XXXX XXXX. XXXX

Company response to consumer: Closed with explanation