BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: DE
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:
It has now been over 30 days since I sent my dispute letters regarding the late payments, I recently discovered on my credit report. The accounts are as follows : XXXX XXXX XXXX XXXX account # XXXX : XXXX ( 30 days late XX/XX/XXXX, XXXX and XX/XX/XXXX ) XXXX ( 30 days late XXXX and XX/XX/XXXX ). 


These three major bureaus are in direct violation of my rights and I am seeking legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: Santander Consumer USA Holdings Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Experian Information Solutions Inc.
State: OK
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:
In XX/XX/XXXX, we closed our accounts with XXXX XXXX XXXX XXXX which included a car loan and a secured credit card. XXXX has consistently reported inaccurate information on our credit reports which we closed XX/XX/XXXX, as well as included in our Bankruptcy plan which XXXX didn't file a proof of claim on. Since XX/XX/XXXX, XXXX has manipulated our credit reports by " re-aging " debt on closed accounts, showing credit card usage on closed accounts consistently reporting this since XXXX, reporting us 90/120 days late on closed accounts and ignoring our request for a cease and desist from such misconduct. 

We requested in XX/XX/XXXX via certified mail ( # XXXX ) received XXXX, XXXX  refrain from such misconduct, advising of the FDCPA and FCRA violations. ( can not upload letter ) We contend XXXX violated. Apparently our request fell on deaf ears, and XXXX is above the law and can subject us to credit defamation at their will and leisure,

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 2023-04-13
Company: Paypal Holdings, Inc
State: AL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2023 I sent {$130.00} to XXXX XXXX for a downpayment for goods that was supposed to be delivered to my house. That was the name in the email and XXXX told me it was her grandson 's email. When that didn't happen, I asked for the address to pick the items up myself and was given an incorrect address over an hour away from me. I ended up at XXXX XXXX 's house and he even said I wasn't the first one who had gotten scammed. He had never heard of any of these people before. XXXX XXXX sent me the wrong address on purpose and then claimed I must have went to the wrong address and sent me a picture of her house and camper the stuff was in. He even told me to file a police report because I was not the first person who had showed up to pick items up that he had no clue about. I tried but the police came to my house and said they could do nothing about it. XXXX also texted me recently again and told me she had sent more people out there to his house! He said if I needed him as a witness, he was more than willing to be one. If needed, I can send in the communication thru XXXX XXXX that I have between us.

The other two transactions was sent on XX/XX/XXXX to a XXXX XXXX. I was told that was her granddaughter and to send the money to her. I sent two payments equaling {$120.00}, so {$70.00} & {$50.00}. I never received the items I purchased and was never given a refund. Paypal told me although it was fraud, they could do nothing about it and is not willing to give me a refund although in my paypal account when I look it up, the {$130.00} says transaction refunded which it wasn't. I did speak to them over the phone and they didn't know why it said that but said they'd send me an email with an explanation that I still have not gotten. I paid a lot of money for items I never received and all I want is my money back. I even sent an email to a XXXX XXXX asking for my money back and never got a reply. 

Are you willing to help me get my money back?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: FL
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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 explanation
Consumer complaint received 2023-04-18
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:
Consider this complaint as my follow-up complaint in line with my previous complaint. This complaint is to notify you to remove these items from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$96.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-04-25
Company: Experian Information Solutions Inc.
State: WI
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 account # XXXX 3 separate METRO2 compliance issue disputed and each time the issues were " corrected '' rather than the reporting being removed. I have found a 4th METRO2 issue I have not disputed yet. I DONT WANT IT CORRECTED I WANT THEM OFF. YOU DONT GET TO REPORT ENDLESS LIES AND JUST CHANGE IT WHEN I SAY GET OFF MY HISTORY OR I WILL SUE WITHOUT EVEN CALLING YOU OUT ON THE FOURTH ISSUE I'LL SAVE THAT FOR COURT

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 2019-11-11
Company: Experian Information Solutions Inc.
State: MN
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:
Inquires on my credit report that I did not do or authorize

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 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-04-13
Company: Credit Corp Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
At XXXX on XX/XX/XXXX my father sent me a message to call XXXX X XXXX and ask for XXXX. When I called the gentlemen, he gave me the name of the company Credit Corp Solutions but couldn't tell me who the debt was for. He transferred me to XXXX and the moment i mentioned them calling my dad which is XXXX she didn't know what to say. No where in my file did, I ever add my dad 's cell phone number, we don't even live in the same house. She mentioned that they deleted it but for the fact they searched for a number of someone else is not right and especially his cell.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Resurgent Capital Services L.P.
State: OH
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 have attempted to handle this with LVNV FUNDING several times. Please be advised that this is causing defamation of character and causing financial damages and hardships. I will constitute a failure to provide such a response within XXXX business days as your acceptance that this debt is not valid. PLEASE VERIFY, VALIDATE, AND DOCUMENT with the proper documentation that I am LEGALLY OBLIGATED to pay this alleged debt. A simple response or answer of being VERIFIED does not make up a legal or lawful response. I DEMAND THAT YOU REMOVE ALL THE FOLLOWING ACCOUNT IMMEDIATELY. 

1. LVNV FUNDING # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Around XXXX I sent a copy of my identification to verify my identity, and remove any old addresses. I also requested they take an incorrect spelling of my name off of my report. Experian deleted old addresses, sent me a copy of my report, but did not remove the incorrect spelling. I have never gone by this name. They wont remove it.

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 2023-04-13
Company: Radius Global Solutions LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a written notification from Radius Global Solutions LLC, about debt I do not owe.

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 2023-04-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
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/06 I woke up to a text message saying my account with Citizens Bank was overdrawn. I looked at my bank app and there were two transactions that I didnt recognize from XXXX. The first one was for {$490.00}. The second one was for {$1500.00}. I hadnt received a text or email about suspicious activity or anything. They just allowed it to happen. I immediately called the bank after I saw these charges. I was told it would be 10 business days for the provisional credit to hit my account. I wasnt happy with that being that it didnt take 10 business days for my money to be taken. I was told that they would expedite the claim and the credit would be in my account in 1-2 business days which it never happened. I called everyday since the 6th and nothing. They dont care because its not their money. Today I was told that they denied the request to expedite the claim due to the nature of the claim. Im fed up and I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: CITIBANK, N.A.
State: NJ
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:
On XX/XX/11 Macys said they would do a limit increase but they needed to do a Soft Credit pull. I said ok no problem but if its a hard inquiry I FO NOT WANT IT. Macys assured me it wasnt a hard inquiry and now I see a hard inquiry.

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 2023-04-14
Company: Checkr, Inc
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello I want to make a complaint against consumer report agency that disclose information that wasnt authorize by me to share nor wasnt even right to share since case was open and pending decision. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company ruined my opportunity to work for XXXX XXXX  all over an XXXXXXXX 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  I want consumer support from them froze, not only froze I a payment for my opportunity lost because checkr disclosed info that didnt need to be reported until the case was resolved. Innocent until proving guilty

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: U.S. BANCORP
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:
Have contact this company several times Ive never signed anything to apply for anything with his company. He agreed to remove it after verifying my true I did it and I would like to get all these inquiries removed from 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 2023-10-07
Company: U.S. BANCORP
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I signed up for a US bank account in XX/XX/ under the XXXX  bonus. I followed the 90 day requirement {$10000.00} direct deposits. Additionally, I called in XXXX to confirm that I had met all requirements. US bank should have a record of this call, as it was recorded. At that time, I was told that I met the requirements, but that they took up to 90 days to provide the bonus. It has now been more than 90 days. 

I called again today and was told that the bank was not going to hold to the bonus structure. While the initial fine print said that I could not have a current account or account closed within the last 12 months, it is now structured to be 24 months. I believe this changed after I initiated the account with the bonus, as I had ensured that my previous account had been closed 12 months prior. Again, when I called in XXXX, the woman confirmed that I met all criteria for the bonus. 

I would not have put my money into this low interest account if I had been told I would not qualify. This has lost me significantly as my other savings accounts have 4 % interest and this account has .01 %. The false advertising has cost me money over the last 6 months while US bank profited on holding my money.

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 2023-10-07
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
A Loan was taken out in XXXX of XXXX, the loan was subsequently purchased by freedom Mortgage in XXXX. The Property is a FL condominium, and during closing and with all other lenders " XXXX  XXXX '' was not required. It was not in the truth in lending documents and no other unit in the building with other lenders requires it. It is now being billed to my escrow account for lender placed coverage for an amount of {$1400.00}. This has caused my payment to increase without warning and created a hardship. This is not an underwriting requirement for XXXX or XXXX  and there was no due process or constructive notice in regard to the coverage requirement. The new lender was aware that this coverage was not in effect when they purchased the loan and chose to purchase it anyways. I have spent countless hours disputing this and no one can send me where it is a requirement for this in there underwriting guidelines.

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 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX, issued by XXXXXXXX XXXX is reporting to the consumer reporting agencies while the account and the charges on the account are in dispute and in litigation in Federal Court in the XXXX XXXX XXXX XXXX. This is a defamation of character, a means of extortion, is a willful and intentional harm to my person, and violates my consumer rights.

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 2023-04-14
Company: TransferWise Ltd
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Incorrect exchange rate

Complaint:
I was promised a rate when conducting a transfer US to XXXX, which was guaranteed for 3 business days, not including weekends. 

They reneged on their rate, then I was assured on the phone the difference ( ~ {$150.00} XXXX ) would be compensated and placed in my XXXXXXXX XXXX account. I was offered XXXX XXXX of " credit '' so if I use their service again, both short of the difference and not put in my account. 

I can not even speak to anyone who has any power to issue a refund or even put the compensation into my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Experian Information Solutions 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. 
The current status should not be showing late because I paid it on time. Experian Credit Reporting Agency lacks proper record keeping. The account is open and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about this complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise update this account immediately. UPDATE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX  XXXX, CA XXXX, XXXX XXXXXXXX XXXX Date Opened : XXXX XXXX Balance : {$5000.00}

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 explanation
Consumer complaint received 2023-04-14
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/2023 - I called XXXX, XXXX, and Experian to have old address that were undeliverable removed and theyre still on there.

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