BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-18
Company: Experian Information Solutions 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:
Over the past several months, I have submitted several disputes with Experian with satisfaction letters attached for the debts from the debtors. Each time, it seems the satisfaction letters are not properly considered and the debt remains outstanding with an erroneous balance until the debtor sends their updates to Experian. This unfairly leaves my credit reporting for that debt incorrect for two additional months after the debt has been paid/settled with the debtor. I submit that this practice is both unfair and damaging for those involved in the already arduous task of repairing their credit. I, also still have another account which shows a XXXX  balance, but shows the debt with the incorrect status. I've opened several disputes regarding this to no avail. The affected accounts are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We are attempting to refinance our mortgage. Our new mortgage lender has tried 3x sending an authorized letter requesting the mortgage payoff amount one a week since XXXX. To date Shellpoint mortgage and the underwriter of our mortgage has yet to respond to the payoff letter locking us into higher monthly payments for the last 2 months totaling over {$1500.00}. We are being held hostage to  this company and it is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
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:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 90 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion

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 2019-07-03
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notification on XX/XX/2019 that a collection account was added to my credit report. I never received a dunning letter it was just added to my report. I was not given an option to dispute this account. I have never heard of this company nor have I done business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
A XXXX XXXX requested Via Zelle I sent XXXX to the account connected to the property manager XXXX XXXX XXXX for a deposit on an apartment I was applying to rent. The renter called and requested I send the funds to secure my listing on XX/XX/XXXX. I was waiting to meet and view apartment, sign lease the following XX/XX/XXXX but they were delaying the process and I explained I wished to receive a refund and that it would take 7 business days but I wanted the refund immediately for poor business practices and potentially fraud in offering the home. I filed with federal business burea.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: TN
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/2018, XXXX XXXX XXXX XXXX XXXX TN XXXX, XXXX XXXX XXXX XXXX XXXX : {$11000.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$2500.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00}, XXXX XXXX XXXX : {$0.00}, XXXX  XXXX XXXX Balance : {$4700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02
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:
In efforts to correct the unjust identity theft/fraud that has happened to me and my family from XXXX to present, I have submitted with the Federal Trade Commission report XXXX XXXX, Experian, XXXX, XXXX, XXXXXXXX XXXX XXXX, and XXXX. To date most identity theft/fraud accounts have been removed. However, these are remaining on my reports : XXXXXXXX XXXX  - XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX {$5000.00}, XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX {$3100.00}, XXXX XXXX XXXX XXXX XXXX  - XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX {$5000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX {$20000.00}, XXXX XXXX Inquiries Experian XXXX, XXXX XXXX As God is my witness I have never received or benefited from any of the services, goods, credit, and/or funds from the identity theft/fraud committed against me. Whomever is committing this fraud against me is causing great stress and hardship to me and my family. 

Identity theft/fraud happened between XXXX to present ( XX/XX/XXXX ). I filed with Law Enforcement Report, XXXX XXXX  XXXX, Incident # XXXX, Case # XXXX, XXXX XXXX  XXXX # XXXX, filed on XX/XX/XXXX. 

Upon checking my credit, to see if I qualify for an auto loan, I discovered the following inquiries and several open fraudulent accounts. Credit cards, loan etc. There were also addresses that I am not associated with. Attached to report is a credit report with highlighted fraudulent accounts, inquiries, and balances from all three credit bureaus ( fraudulent accounts listed below ) : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, I submitted an addendum to my original report with XXXXXXXX XXXX XXXXXXXX, Incident # XXXX, Case # XXXX, XXXX XXXX XXXXXXXX # XXXX, for additional inquiries and attempt ( s ) to use my credit. 

Since XX/XX/XXXX, a person ( s ) is still applying for credit in my name without my permission. Today I am submitting new inquiries and new address ( XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2022-10-04
Company: Foris DAX, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
The XXXX XXXX : Crypto.com does NOT provide its users with a Profit/Loss statements that we need to file our taxes. They tell their users to download a generic file that Does NOT include the user name or information, it does not include their commission fees ( This is used for cost basis ) and most importantly it does Not provide the " total '' for Deposits and withdrawals to simplify Profit and Losses. 

I reached out through their mobile app via message with their support agent which was of absolutely NO Help. I was told this information was not available. I have screenshots of this conversation. 

This is a Multi Million dollar if not Billion dollar company that can't even provide tax report pdf 's for their customers. 

The generic spreadsheet that they tell their users to download should at least include The users name, Platform name and stop hiding they commission fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: ALLY FINANCIAL INC.
State: GA
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:
15 USC 1681 section 602 states I have the right to privacy.

15 USC 181 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2019-01-11
Company: Credit Plus 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:
A company called Credit Plus did a hard inquiry, although I have not spoke to anyone about getting a loan of any kind.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Westlake Services, LLC
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Account opened fraudulent in my name company never fixed problem and pay balance but company but the company continues to report delinquency in the account that was paid with the attempt to remove it and it continues to affect my credit score because they do not stop reporting violating my rights even more

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 2020-07-18
Company: PNC Bank N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Placed an order with this company called XXXX for a XXXX XXXX bundle. I never received any details in reference to the order so I submitted a dispute with my bank. As soon as the dispute was entered, I receive an email from a XXXX account with a tracking number. After looking over my bank statement the transaction was coming up from a XXXX account instead of the company that I originally placed the order with. When the item arrived it shows up significantly different from its description. A childs plastic whistle inside of an envelope instead of a XXXX XXXX. I immediately sent the item back to the address that was listed on the envelope. Im now going jumping through hoops to proof my case. Im being charged {$110.00} for a plastic whistle. When I check the site that I used to place the order the website has been removed since the order was placed. I have screenshots of what I actually ordered and what was sent to my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: EQUIFAX, INC.
State: AL
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:
Credit inquiry XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I try explain to them these inquiry were done without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Set up a payment arrangement with Citbank to bring account current fulfilled requirements of making every payment on time but company still reported account as past due/ delinquent. When arrangement was made information about credit bureau reporting while on the catch up plan was not properly disclosed to me.It is now showing that I have been past due for the first 2 months of the year when I made my payments on time.

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 2020-07-18
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft in my credit report you have stated that i have an open account for 180 days, i am demanding proof of allege debt, I also obtained a police report # XXXX, and I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department to me and is a result of fraud that I did not authorize CREDIT ACCEPTANCE CORPOR Balance {$9900.00} Opened XX/XX/2014. The following items did not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: NAVY FEDERAL CREDIT UNION
State: FL
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:
Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, NAVY FEDERAL CREDIT UNION used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. NAVY FEDERAL CREDIT UNION reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the fair credit reporting act XXXX  US Bankruptcy XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written insrtuctions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
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:
Fifth Third Bank states that on XX/XX/2020 my credit score from XXXX XXXX was XXXX. My information shows my credit score from XXXX XXXX was XXXX. I would like a copy of the report Fifth Third Bank received from XXXX XXXX that showed my score being XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: Synovus Bank
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: Old information reappears or never goes away

Complaint:
First Progress has repeatedly reported inaccurate information on my credit report that has caused significant hardship. I have been fighting to get this inaccurate information removed for over 2 years. 

Back in XXXX, I submitted disputes to XXXX for inaccurate charge off dates and the company repeatedly verified this incorrect information. Frustrated with lack of action from First Progress I  resigned myself to wait 2 years until this information would be removed because it is over 7 years old. I again disputed the incorrect information and account that was more than 7 years since the date of first delinquency and the company did not remove the account. Plus they reported the account as being charged off in XX/XX/XXXX and XX/XX/XXXX which dropped my score 40 points. The date of first delinquency was in XX/XX/XXXX therefore the negative information should be removed because it is over 7 years old. 

The company needs to remove this account off my credit reports or I will be seeking damages in court for the last 2 years of incorrect reporting. 

Here is the copy of my orginal complaint back in XX/XX/XXXX " After a dispute, First Progress Bank verified incorrect information on my XXXX Credit Report. In XX/XX/XXXX I first became delinquent on my First Progress Credit Card. The account was charged off in XX/XX/XXXX. Up until XX/XX/XXXX the account had the correct payment history and charge off date of XX/XX/XXXX reported on XXXX. I paid the account in full ( {$140.00} ) on XX/XX/XXXX. The next month, XX/XX/XXXX, my XXXX showed that my First Progress Credit Card was charged off on XX/XX/XXXX. They reported the charge off again on XX/XX/XXXX. This information was false so I disputed it on both my XXXX report. The company then verified the false information and the dispute was closed. I wrote and called First Progress to try to get this false information corrected. I have received no response. I spoke with the credit reporting agencies and they said there was nothing I could do other than file a complaint. '' For documentation I have attached a dispute from XX/XX/XXXX that shows the correct infomation but does not list a date of removal, I've attached XXXX dispute results that show incorrect charge off date and incorrect date of first delinquency, and XXXX dispute results with another incorrect charge off date and incorrect date of first delinquency. Finally, I have attached a letter from First Progress admitting the information is incorrect. It is the companies responsibility to report accurate information. I will be suing if you do not remove this from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Hello my name is XXXX XXXX my ss is XXXX and my complaint is back in XX/XX/20 I was XXXX with XXXX  XXXX and during my recovery I noticed many unauthorized atm withdrawals and purchases, I believe {$8400.00} was stolen from my account, well after I reported to bank of america , 15 days later I received a letter saying my case was closed, several times I called and had my claim reopened and today it's still pending and still i have not got any information or have I got my money returned

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