BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: NJ
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 recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update or get rid of the following items from my file. 


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 2023-09-21
Company: Self Financial Inc.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
HI, Self Financial or XXXX Is reporting an inaccurate balance on my XXXX report which resulting in me losing XXXX points!!! UNBELIEVABLE!!! When On XX/XX/2023 I made a payment of {$240.00} & a payment on XX/XX/2023 of {$20.00} more dollars & Self reported on the XXXX of XX/XX/2023, my balance went down from {$400.00} to {$200.00}. & my scores went up on XXXX XXXX XXXX XXXX & I'm still waiting for XXXX to update the new balance. How Ever, today XXXX It shows a report of {$400.00} balance back on my self account on XXXX report!!! WHEN I HAVE PROOF I ALREADY PAID THIS ACCOUNT DOWN NOW 27 % UTILIZATION! & BALANCE IS {$200.00} NOW!! Why would XXXX report inaccurately or Self Inc? Because XXXX says it's getting reporting from Self INC but they only report on the XXXX of the month & they already reported the balance down to {$200.00}!! not {$400.00}!! This is a huge inconvenience & messing up my future plans for buying a home, a new car ( I was in a car accident & my car was totaled, not my fault & its been enough!!! ) I DONT NEED THIS!! & now either XXXX OR SELF FINANCIAL IS MESSING WITH MY LIVE & FUTURE! It's already been a pain that XXXX says Self Financial didn't update & report the new balance of {$200.00} but XXXX XXXX XXXX XXXX did report the correct balance in the beginning of XXXX. So I do NOT understand why is there a new report saying the balance is back at {$400.00}? My payments were took out of my bank accounts & everything was fine. I BEEN WORKING SO HARD TO GET MY CREDIT CARD BALANCES DOWN, JUST TO BE DISHONORED! I NEED THIS PROBLEM FIXED ASAP & MY XXXX POINTS BACK PLEASE! THIS IS GETTING DEPRESSING, THESE COMPANIES DO NOT CARE ABOUT MY LIFE!! THEY ARE VIOLATING MY RIGHTS & BREAKING THE LAW, REPORTING INACCURATE INFORMATION IS ILLEGAL!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Paypal Holdings, Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I tried to send my sister {$160.00} dollars on XX/XX/2022 using Paypal. ( Paypal transaction ID : XXXX ). The app was offered through XXXX messenger. The money was taken out of my XXXX  XXXX XXXX checking account. But, my sister never received the money. 
I started a formal complain with paypal to recover my money. ( Paypal case ID : XXXX ), on XX/XX/2022. They denied doing anything wrong. Refused to show what bank / account my money was deposited on. As of today,. they have closed the case and even erased all details information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: Innovis
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: Information belongs to someone else

Complaint:
I was looking over my credit file and I found out that I have a few fraudulent accounts reporting that I never opened up. My full name and current address are XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following numbers they are not mine : ( 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above.

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! The reports are not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-06-28
Company: U.S. BANCORP
State: GA
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:
I received a phone call from u.s.banks stating I owed them money but I do not recall evefr opening an account with them before. I know I had lost my wallet at the time the account was opened but I had never opened one with them. I suspect someone has intentionally used my information to open an account in my name. In the Wallet I had lost both my drivers license and social security card was in that wallet ( at least I suspect my social security card was there because how else will they open an account if they didn't have the ssn number? )

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 2022-06-28
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My wife and I entered the branch office the day after attempting to set up accounts using the online portal and specifically requested they close the accounts we attempted to set up. We were told that even though they were set up online they had to be canceled in person at the branch. They are refusing to do so and are charging us fees. 

We get daily emails and texts. ( example ) Hello, Your account nicknamed XXXX has a - {$25.00} balance as of XX/XX/XXXX XXXX XXXX XXXX. Please make a transfer or deposit to bring your balance above {$0.00}. For the latest on how Huntington is looking out for you during this difficult period, go to huntington.com/coronavirus. Thank you for banking with Huntington. 

This is the letter we handed the teller. ( The teller attempted to hand it back but we insisted she keep it. ) To Huntington Bank : Pleased be advised that after the online set up procedure and phone calls to the support desk we have determined not to move forward with opening any accounts with your bank and are terminating any and all that have either completed or are in process. The checking account number is ( redacted ). The credit card has not been activated to the best of our knowledge. The savings account was created and 'lost ' during the setup. Hard to say because the web interface lets you set one up but the phone support says it SHOULDN'T have allowed that. That and other issues encountered give us serious concerns about the ability of Huntington to keep our account and information secure. As a result we are insisting all accounts be closed and all of our personal information be deleted from your systems and we receive written confirmation of the completion of process by XX/XX/XXXX. I'm sorry this didn't work out. 
Sincerely XXXX XXXX XXXX XXXX So far the only thing we have received are emails telling us we owe them service charges on an account we insisted be closed. 

How can your complaint be satisfactorily addressed? 
They can honor what we asked of them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
my previous complaint was addressing the extreme hold times and how I was not able to activate my replacement debit card or access my account. 
" XXXX '' I believe was her name called me approximately 20 minutes after that was submitted and told me she apologized about the experience that was going on with the call center and she is aware of the issues and a " XXXX XXXX '' will be reaching out and calling me to be to get everything resolved and at the very latest that Friday and if I don't hear from him to contact him directly and provided me a number. not only did XXXX not reach out to me via phone he responded to the CFPB complaint and just said we are closing your accounts and I need to visit a branch to get my remaining funds. veery unprofessional and with no real reason why. ( not that they have to have one ) but makes no sense sounds like retaliation to me just because the hold times are unbelievable, who wants or even can wait hours on end to fix a simple issue? anyways I will need the funds from all accounts sent to me in check via mail ASAP along with the last 5 years of statements to be mailed for ALL accounts since my access to get them myself has been restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: American Collections Enterprise, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX of 2020 I checked my credit report and found a handful of collection accounts that I didn't recognize. Knowing this entry had to be a mistake I sent a debt validation letter to American Collections on behalf of XXXX XXXX XXXX that same day. To date I have not received a response from the company saying that an investigation was going to be done into the matter. I have never received any update or validation into this erroneous accounts. Instead, it remained on my credit reports and continues to lower my credit scores. I have sent a follow up validation bimonthly since XX/XX/2020 I sent a following up requests into this matter directly to American Collections. I let them know that it had been over 2 years since my initial request for validation and advised them that they had violated my consumer rights by not having these accounts removed from my credit reports and by not validating the debt while continuing to report it. I advised them that their silence was obviously and admission of silence and I was under the impression that the debt should have been removed because they failed their legal duty to answer my claims. I have even sent account validations requests directly to the credit bureaus and they are advising me that American Collections has verified these accounts as legit. I am requesting for these accounts to be removed from all 3 of my credit profiles 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 2022-06-28
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, has violated my Rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My school loans with XXXX have been discharged since XXXX of this year. It is reporting closed on every report except Transunion. I have tried to dispute several times and it says it comes back accurate. I have called XXXX several times and they say they will report it and never have.

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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : 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 2023-09-22
Company: Consumer Portfolio Services, Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is a fraudulent inquiry on my credit report from your company and according to the Fair Credit Act, they will be removed immediately. All needed documentation for this action to take place will be placed in the Dropbox below as we have done before. If you guys would read any of the documentation I provide you can see that I've been the victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-06-29
Company: Experian Information Solutions 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 reviewed a status regarding my credit report. My report is stating I owe over $ XXXX on my XXXX credit card. When I disputed this information, the bureau told me to that there may be a time lag for when they report my payment based on the lenders reporting!

WHATS FAIR ABOUT THIS?

When I obtain the credit it is immediately reported?

This impacts my score When I make the payment and it is delayed it impacts my score Whats Fair About That!

When I pay the bill off it is delayed It impact my score Whats Fair About That?

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 2022-06-28
Company: Bread Financial Holdings, Inc.
State: GA
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 am unable to access my account in any way to either make a payment, check the balance, or check for fraudulent activity. On XX/XX/22, I attempted to log into my account to make my monthly payment, as I do each month. However, the website would not allow me to log in, and has a notification that it is down for maintenance, and to try again. Same result following day and each day since. On XX/XX/22 ( and every day since ), I attempted to contact customer service with the phone number on back of my account, but similar response with a recording that states customer is service is down for maintenance, try again later.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Received notice from UAS of two missed payments from XX/XX/2022 on a late notice dated XX/XX/XXXX. I received it to my home on XX/XX/XXXX standard mail. I checked my bank statements and both of the payments were issued to UAS via autopay XX/XX/XXXX and XXXX. I contacted them on XX/XX/XXXX to notify them of their error. Received a message from XXXX on XX/XX/XXXX that I did make both payments and that he requested those errors be corrected. My credit dropped 25 points XX/XX/2022. When I noticed on Monday XX/XX/XXXX I contacted UAS for the second time and they told me they would manually correct this ( which I had already asked for in writing XX/XX/XXXX ). This time I spoke with XXXX. I am worried that they will not follow through if h being this is the second attempt to correct it and it is now affecting my credit.

Company response to consumer: Closed with explanation