BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
reviewed my XXXXonsumer Reports and noticed that I had five late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and are responsible for reporting Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be Provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2019-12-12
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I got aa call from the same number of my. Bank peoples United. I banked with them for the better part of 25 years the last 20 at the current branch down the street from my apartment. XXXX XXXX at XXXX, ct. On XX/XX/XXXX Friday. My first week on the XXXX Job I got a call from the banks number saying I had suspicious activity in Texas someone using my card. Then the caller said rip up the card and they will issue me a new one by fedex in two days. They proceeded to ask online verification questions. Next thing I know, when I go to my bank on Tuesday there was nothing in it. I had just started at this XXXX, CT XXXX XXXX XXXX  department. I was and still am still am a XXXX XXXX in XXXX, CT I do a lot of XXXX  work in the community CT. They took my savings transferred it into my checking and then withdrawals the checking and my credit line. I file a fraud claim that same day I found out XX/XX/XXXX. On XX/XX/XXXX the bank investigation was done and they said although the transaction was not authorized by me, they were not libel the authorization code was generated through my phone. This is outrageous. It was a scam. I did not authorized this wipeout I reported with in 5 days or Two or three business days. It should be covered under FDIC. They know I didnt make any these transaction from XX/XX/XXXX to XX/XX/XXXX. I closed the account immediately the same day I went to the bank. They say the computer servers where the transaction occurred was from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
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:
I checked my credit report ( # XXXX ) and saw incorrect addresses i never lived at. I tried disputing the address but a message stated I can not process a dispute online. The addresses that do not belong to me are because I Never lived there are : 1 ) Address ID Number : XXXX for XXXX XXXX XXXX XXXX XXXX, FL XXXX. This Address was reported to Experian by XXXX XXXX and this account is currently under dispute for incorrect information and 2 ) Address ID Number : XXXX for XXXX XXXX XXXX XXXX, FL XXXX. 

There are also incorrect versions of my name that need to be deleted : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have attached my ID to verify the spelling of my first, middle and last name. My current address is XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX but I have not gotten my Drivers License updated as of yet.

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 2022-10-20
Company: Experian Information Solutions 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:
This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any accounts which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00}

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 2022-01-13
Company: FREEDOM FINANCIAL NETWORK
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
XX/XX/2018 I signed with Freedom Debt Relief. The agent was XXXX XXXX. The plan was 48 month term or less were Areys words. I explained I lived on a fixed income and my money was limited and I agreed to pay {$450.00} a month for 4 years. We went through the enrollment process. I electronically signed documents and made the first payment of {$220.00}. 
Now that the four years are up some accounts still have not been resolved and two accounts still have not started negotiations. Now that the 48 months are up Freedom Debt Relief tells me 48 months was just an estimated target date. XXXX never mentioned the word estimate. I do have the entire conversation recorded-never mentioned the word estimate. I called to have my bank information deleted since my last payment had been withdrawn. I was told I still owed over {$5000.00}. She threaten me that all unresolved accounts would go back to the original status and I would have all this debt to pay on my own and no money would be refunded to me. This all is very frighting to me. Im being lied to and XXXX. I can not afford to pay the {$450.00} each month for the additional years FDR has added to the account. I did notice Settlement Fees for thousands of dollars each several times in the payment process which could be part of the problem. I need help. Where do I go or what can I do at this point?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: Big Picture Loans, LLC
State: AL
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I am a victim of identity theft and after being made aware ran my XXXX credit reports through XXXX, XXXX and XXXX. After doing so I was alerted to also contact XXXX XXXX and get a report from that agency. After receiving this report it did indicate a payday loan was established in my name with my SSN with XXXX/Red Rock, AKA Castle Payday in XXXX, MI.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX  XXXX Balance : {$0.00}

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 2022-01-13
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been trying to cancel an American Express credit card for 18 months but keep getting charged additional fees and penalties since then. 
On XX/XX/20, I contacted American Express by phone and requested the account be closed. 
The Cardmember Agreement clearly says, " You may close your Account by calling us or writing to us. '' However, AmEx did not close the account but continues to charge fees, interest and penalties, currently totaling {$620.00}. They have referred the matter to a collection agency, XXXX, who is harassing me about payment. 
In multiple calls I have made to try to resolve this issue, agents claim incorrectly that closing accounts must be done in writing, contradicting the " Cardmember Agreement. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-12
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a auto loan with Bridgecrest credit from XXXX XXXX Tx that I had started on XX/XX/XXXX for a XXXX XXXX XXXX. I had faithfully paid on time and never missed a payment on that loan and even for a short time after paid it until I was involved in a high speed accident with the car on XX/XX/XXXX a young gentleman ran a red light speeding and side impacted the vehicle. Once it was deemed a total loss I was told by my insurance company XXXX XXXX  the car was no longer repairable and I had signed over a power of attorney for the ownership and loan of that vehicle to be paid in its entirety by XXXX XXXX XXXX and I also had purchased GAP insurance thru XXXX XXXX for the vehicle. I was no longer responsible for the vehicle or its loan and I had notified Bridgecrest of the situation in which they still held me liable for. My insurance company XXXX XXXX and XXXX XXXX both stalled on payments for the vehicle and incurred a 30 and 60 day late payment filed directly onto my credit report. I once again asked bridgecrest to please help me with this situation as I no longer owned that vehicle. They refused to help and insisted I still pay for a vehicle I legally no longer owned even though they knew my insurance companies were in the process of payments in full to the Bridgecrest institution. I had done everything legally by the number and was still punished and as of XX/XX/XXXX my credit report on all 3 credit bureaus is still showing a XXXX Dollar amount owned with both a 30 and 60 day late payment report. This has ruined my chances of obtaining another car loan or any loan for many years to come. Bridgecrest is a creditor I highly recommend staying away as far as possible from.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
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:
This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2021-11-17
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This account is inaccurately and erroneously reporting in my 3 Credit Bureaus. The account was placed as a charge off account and has and indicating balance in the statement. There is no payment history that shows a month and year that the account made a late payment. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
TD BANK USA/TARGET CREDIT C XXXX XXXX XX/XX/2016 Balance {$590.00} TD BANK USA/TARGETCRED XXXX XXXX XX/XX/2016 Balance {$590.00} TARGET/TD ***** Opened XX/XX/2016 Balance {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Called PNC about closing bank account because I was automatically enrolled into their accounts through the acquisition with XXXX. They are charging a service fee ( which I did not agree to signing up for ) and now saying my account is overdrawn and are trying to charge my overdraft fees for a bank account I'm not even using! 

I have this all documented and receipts of my calls with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-11
Company: Army and Air Force Exchange Service
State: OH
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 disputed a error on my credit file from Army/Air force exchange around XX/XX/XXXX it is showing a late payment for XXXX $ on XX/XX/XXXX. I never received a invoice this month for and i feel like the error should be corrected. I've never been late before with this company.

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 2022-10-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX Balance : {$910.00} ; CXXXX XXXXXXXX ( Original Creditor : XXXX LXXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$68.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$840.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report ( # XXXX ) and saw incorrect addresses i never lived at. I tried disputing the address but a message stated I can not process a dispute online. The addresses that do not belong to me are because I Never lived there are : 1 ) Address ID Number : XXXX for XXXX XXXX XXXX XXXX XXXX, FL XXXX. This Address was reported to XXXX  by XXXX XXXX and this account is currently under dispute for incorrect information and 2 ) Address ID Number : XXXX for XXXX XXXX XXXX XXXX, FL XXXX. 

There are also incorrect versions of my name that need to be deleted : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have attached my ID to verify the spelling of my first, middle and last name. My current address is XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX but I have not gotten my Drivers License updated as of yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-07
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The transactions are not in order and some are not processed immediately unlike others and it seems weird.

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 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX Date Opened XXXX XXXX, 2015 Balance : {$1400.00}

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 2018-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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: Their investigation did not fix an error on your report

Complaint:
I have two typical credit cards from Capital One and they are both showing a past due payment mark for XX/XX/2017 on the credit agencies reports. 
All other payments have been on time and I have no recollection of any being made late. 
I believe these were reported in error as all other accounts I own were also paid on time that same month, and every month. 
I reached out to Capital One by phone, they were not helpful, I was on the phone for about 45 minutes, put on hold several times, but the customer service rep eventually agreed to file a dispute for each, but then explained that it could basically take months before they will reply. Never asking me for any other account information, etc., I'm not sure this will be resolved by them, not even sure if the disputes were actually filed, so I am asking for assistance. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX  XXXX XXXX Date Opened XXXX. XXXX, XXXX  XXXX : {$0.00}

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