BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 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 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 non-monetary relief
Consumer complaint received 2024-01-02
Company: CCS Financial Services, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2024 I was told settlement would be XXXX then further in the call I was told he can not keep the settlement amount. Also refused to have a bill sent with the agreed settlement amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I have had BMO since XXXX. I DO NOT have overdraft protection on my account but yet if I am low in my account and a payment is coming out they still let it go through and I am always going negative in my account when this happens. Why is BMO allowing this? this is not fair to anybody who is struggling right now during hard times, The most recent payment was for {$350.00} which is for my XXXX XXXX payment. I only had {$300.00} and some change in the account and they allowed it to go through and now I am - {$50.00} in my account. I want an audit done on this by BMO since I have had them and I want to see how much money they caused me to go negative since XXXX. Now I have no money till XX/XX/XXXX when I get paid next and now I will be {$50.00} less once my direct deposit goes in. This is down out right and dirty for a bank to keep doing this and not doing the right thing by saying " Sorry, you don't have enough funds in your account to cover this '' Then I can call the creditor and make arrangements with them. I had two people on the phone today, one this morning saying that the money won't be taking out as I see you don't have enough in your account and it should just fall off. I get an email stating that the payment did go through from the email I got from my Trustee 's office stating it on the way. I call back this afternoon XXXX and a gentleman from BMO even stated the transaction should have never gone through as I DON'T have overdraft protection on my account and he apologized for the inconvience. I want a full audit done as I want to see how much this bank cost me over the years with their unethical practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I expect expedited removal of the Fraud Alert on my Experian and XXXX 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 2023-12-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
on XX/XX/XXXX i received a fraud alert for XXXX at XXXX est, I took a look at my account and notice fifth third let 4 transaction for through with my debit card number from TEXAS before alerting me on the XXXX ( IM IN MICHIGAN ), i replied no to the text and was asked to call immediately so i did. 

it took me 4 tries to get to someone who wasn't lazy the first 3 kept telling me i have to call back during normal business hours to talk to PERSONAL CHECKING, they were ignoring my this isn't personal its business, finally the XXXX person helped me, blocked the card and sent a new one, but said he couldn't dispute the other charges because that was a different dept., and they were closed until XXXX the next day. 

I called started the dispute and nothing, until i get a final overdraft warning letter, they NEVER started the dispute and not only are giving me the run around, but they gave the lady at my local branch the run around on Tuesday when she attempted to tall and help me. 

at this point i believe they just want to extort money from me.. 

one rep ACTUALLY said that i teleported to Texas to watch a movie, because I am like " Right now i am on my couch in MICHIGAN after a long day at work watching tv, what did i do? teleport down there? ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Experian Information Solutions Inc.
State: AR
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:
Earlier in the year I divorced from my ex-wife. As part of the divorce she wanted to keep the XXXX and it is financed through XXXX XXXX XXXX in my name. In an attempt to provide the company with her banking information, they deleted the auto pay information which I had setup at the beginning of the loan and never missed a payment. Over a month later as I was reviewing my account for an unrelated issue, I realize I now owe what is about to be XXXX payments. I called and asked what was going on and they blamed me saying I was the one that canceled the auto pay. Why would anyone cancel their own auto pay and then just not pay it for a month and a half causing them to miss their first payment on any account in almost XXXX decades and in the process ruin their credit? They refused to fix it so i made both payments that day and brought the account current. They turned me over to the bureaus as delinquent anyway. I filed a dispute and it came back a few days later indicating no change would be made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I request that you conduct a thorough investigation into these fraudulent accounts and promptly remove them from my credit report. These accounts do not belong to me, and their presence is negatively affecting my creditworthiness. Additionally, I would appreciate it if you could provide me with a copy of my updated credit report once the investigation is complete, reflecting the removal of the fraudulent accounts. Please find below the details of the account : XXXX XXXX XXXX. Please delete this fraudulent account ASAP.

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 2023-12-07
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting 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 had my legal name change from XXXX XXXX XXXX to XXXX XXXX XXXX at the beginning of XX/XX/2023. I received a paper copy of my credit report from Experian with the name XXXX the first few days of XXXX. A few days later my credit score was gone. It didnt go down. Its gone. I tried contacting them and I either get hung up on by a rep or the phone tree. I have never had a call last longer than 5 minutes. They wont tell me anything going on. They also have no as retaliation reported that I dont live at my address even though I have lived here for almost a year now. I have provided every document they have requested and they still refuse to tell me anything. My bank has contacted them and they have told the bank that I have to contact them and that this is an issue with me but no one will tell me what the issue is and they claim its my bank. I just want my credit score back so I can get a credit card so I can get the surgery I have needed for months. I just want to be able to stay alive. That is it. I have no clue what is going on. I have been harassed by employees who have taken my phone number and called me to harass me while they are off the clock. I have been called slurs. I have tried filling complaints. I have asked for a supervisor to call me back daily for 7 months and have never once gotten a call back regarding any of the issues I have had for the last year. I dont know what to do. I will attach pictures of the report they sent me proving my name change and address and credit score before they messed my credit info up so bad I cant even make an account or request a report with another credit bureau as well as the screenshot of what it shows in my account currently

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 605b 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX  XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-10-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect information 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 2023-09-27
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
In XXXX of XXXX  my joint account holder sold items to a private entity that was agreed upon by buyer and my wife over multiple days and phone conversations, as well as XXXX. We have tracking information, text messages, and inventory list of items that were sent to buyer. When buyer received the items, she texted my wife calling her names and saying that she would contact her back about my wife scamming her. My wife ended communication with this woman. She reported to XXXX that she didnt make these transactions or reported that she did not receive any items. Apparently we still dont know. On Friday XX/XX/XXXX I attempted to use my debit card at the post office, and my card was declined. I called my credit union and was told that my account was frozen because I had been found to have engaged in fraudulent activity. I was told that I needed to close my account. My rent money was in the bank and scheduled through XXXX, I was unable to I had no place to send my rent payment. Luckily I was able to pull the money out, but with no bank account the rent was late and a XXXX late charge and returned check fee. I was never asked anything about this accusation prior to the freeze. They still have not responded to our many requests for clarification on what grounds they have to do this without notice. I sent in documentation as they requested. They were had 15 business days to respond to the appeal, which was completed and sent in on XX/XX/XXXX with supporting documentation. They have not responded. This has caused detrimental consequences to our lives and we want answers. We do NOT want to bank with them ever again! They should have protected us. At least asked us what the situation was. They threw us to the wolves,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had some deposits with BMO XXXX high yield savings account. When I decided to transfer the money to external accounts it wouldnt let me saying the transaction had to be reviewed and would process in a business day or two. I tried with a few other transactions and they went through but then all of the transactions were refunded and my account froze. Ive been trying to get in touch with BMO alto for two days now not having much information about my account. The fraud department has not called me and the voicemail box is full and I can not access my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was in the process of buying a house and i realized i had damages on my credit report. According to the ( 15 USC 1681 law ) there should not be any damages on my report, it is defamation to my character.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: CITIBANK, N.A.
State: IA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I disputed is a charge by merchant XXXX XXXX  that appeared on my Citibank credit card. I was given a partial refund in the amount of {$1200.00} which is lower the disputed transaction amount of {$3.00}, XXXX charged on XX/XX/. 

This disputed charge was for a one-person reservation for a vacation that I made initially before modifying it. That reservation was replaced two days later on XX/XX/XXXX   with a two person reservation ( the previous person and a significant other ). The itinerary, hotel booking, duration of stay, etc., remained the same. A {$4800.00} charge was made for the new booking and it appears on the credit card statement. I gladly paid for the later charge but I shouldn't have to pay another amount for the same service because it appears on another reservation in the merchant 's system. 

Only a portion of the funds were refunded and what was basically done was they charged me two times for the same service. I have asked that the balance of {$2200.00} that they retained be refunded but they have failed to. Instead they recently billed me for it indicating that to be the resolution to my dispute. This eerily borders on fraud. 

Thank you for your consideration of this matter. 
Respectfully, 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 2022-09-26
Company: EQUIFAX, INC.
State: LA
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:
XXXX XXXX XXXX XXXX XXXX this company is still reporting inaccurate and incomplete information on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX  this company is still reporting inaccurate and incomplete information on my credit report. 

XXXX XXXX XXXX XXXX  this company is still reporting inaccurate and incomplete information on my credit report. This company may also be a closed company and this account is possibly older than 7 years old. 

These accounts are negatively affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to express my ongoing frustration and disappointment regarding the inability to dispute items online. Despite numerous attempts over the past two months, I have been consistently blocked from utilizing this service, with the explanation being a technical error. Which isnt true. I am blocked from using the dispute center. Moreover, when I called for assistance, my disputes were not addressed appropriately. 

I find this situation deeply unfair and disrespectful. I kindly request immediate attention and resolution to this matter as it is hindering my ability to rectify inaccuracies in 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 non-monetary relief
Consumer complaint received 2023-10-09
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
At XXXX now, sick ( XXXX twice and XXXX debilitating hernias -- one recurring ), and living on my SS income ( XXXX mo. ), Navient expects me to payments in excess of XXXX a month. 

I initially, in the mid XXXX 's and XXXX 's, borrowed up to XXXX amount which I paid back, plus some of the interest. I contined making payments until health problems forced me to retire. 

Given my age and health circumstances it is quite difficult to pay even a little bit every month. Navient 's plan has been : " forbearance with accumulating interest. '' The last balance was estimated at more than XXXX. 

Obviously, I will be dead before I could pay this astronomical and unjustified amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Wolf River Development Company
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I have requested to revoke further ACH payments from my account till i can see if these were illegal loans. The Interest rates are ridiculous and none of the lenders were found in the NLMS. 

I was not aware that most payday loans were illegal in Georgia. 

I am attaching copies of Loan Agreements. 

Companies involved : Fine Day loans Crane Lending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: Sentry Credit, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I began the dispute process on a collection item that appeared on my credit without any letters or information about the debt. I decided to dispute the debt on XXXX and received a letter on XX/XX/XXXX  from the debt collection agency XXXX XXXX XXXX XXXX that stated, " We have received your request for debt validation. We have not yet received the information you have requested. As such, we will suspend our collection efforts until we are able to validate the debt for you. If applicable, we will not report this debt to credit reporting agencies until and unless we are able to validate the debt for you. '' They NEVER stopped reporting the debt to the credit agencies and have not followed up with me to validate the debt. I still have no clue what this is for or about and it is not changed on my credit report.

Company response to consumer: Closed with explanation