BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-01
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 filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed accounts on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the accounts being reported on my Credit Report. But in my case, Experian has kept reporting the disputed accounts saying that the information they gave is precise, in which I seriously disagree. I am submitting this complaint to you today to request that Experian run me copies of documents bearing my signature to prove the status of the disputed accounts. If they unsuccessful to comply with the condition and continue the reporting of the disputed accounts, please realize I will pursue legal action. I need the accounts corrected XXXX : XXXX, XXXX. XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX, XXXX & XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Dates 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 2022-09-01
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXX credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Date Opened : XX/XX/2021 Balance : {$2900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
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: Information belongs to someone else

Complaint:
I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions authorized to be placed on my consumer credit file. My privacy rights have been violated. There are variation of account numbers and incomplete, variations of balances. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include XXXX, Experian and XXXX all three agencies have had data breaches. I have disputed with all the three major credit reporting agencies only to be denied. On XX/XX/2022 my credit score plummeted over XXXX points. This company ( XXXX XXXX has been on my consumer account with these inaccuracies. It has cost me a great deal of grief, money, time and stress. It has affected my health, credit score has decreased, for years I have been denied credit, denied employment, denied housing opportunities and loans.

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 2022-09-01
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CBE group Charter communications {$320.00} Says opened XX/XX/2022 This info is from XXXX XXXX I have a XXXX account. I am in good standing. 

For over 2 years now I am getting harassed by different reports of a debt that doesnt exist, is identity theft, or isnt mine. 

I have reported this and its been removed 2x from my account. 

I have contacted XXXX SO many times, at least 20, to ask about this and they say my balance is XXXX and there is nothing to do. 

I just had my debit card hacked, again. Im very careful. Maybe someone opened an account in my name or stole my account when I moved out of an apt in XXXX XXXX years ago and shut off the service. Confirmed it. Was supposed to delete my info. They kept my acct open for months. 

The account was not mine, anyway. It was set to auto pay and of the account of my mom with XXXX XXXX. Shes been scammed so many times. My guess is this is part of that. 

I need this to stop. 
My credit accounts are frozen due to fraud, and my score is important and this is harassment. 
I only find out about it when it goes to my credit score and my app gives me an alert. I have to XXXX to find out what the company is. Its being passed around and reset multiple times. I already reported this to you and XXXX. But that was different because it was a different collector, who i called and asked for information and they refused or couldnt provide anything. 

This is not my debt. 
What can I do to get this vicious cycle to stop? 
XXXX XXXX, XXXX, trying to find an apartment so temp XXXX and need my score good, I have perfect payment history. I pay my bills on autopay. 

Please help this get removed from my report AND stop repeating. 
Ive reported charter to the XXXX, too. Ive researched and they have millions of complaints due to incorrect and inaccurate processes. Its fraud. They need to be stopped. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
I tried to buy a dog and the scammers asked me to send money through XXXX XXXX and I said no. My money is not protected. Not knowing using Zelle its unprotected. I said I will do Zelle. The people pretending tot sell the dog were scam artist and knew that Zelle doesn't protect consumers. XXXX XXXX who I bank with are not helping me to get my money back. I went to them to get help for them to tell me the financial institution on the scam artist bank and they never told me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions authorized to be placed on my consumer credit file. My privacy rights have been violated. There are variation of account numbers and incomplete, variations of balances. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include XXXX, XXXX and TransUnion all three agencies have had data breaches. I have disputed with all the three major credit reporting agencies only to be denied. On XX/XX/2022 my credit score plummeted over XXXX points. This company ( XXXX XXXX has been on my consumer account with these inaccuracies. It has cost me a great deal of grief, money, time and stress. It has affected my health, credit score has decreased, for years I have been denied credit, denied employment, denied housing opportunities and loans.

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 2022-09-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Date Opened : XX/XX/2021 Balance : {$2900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Experian Information Solutions 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. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX XXXX 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 2015-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I tried to give Bank of America notice not to cash post-dated checks until the date written on the checks. Bank of America claimed that the only way I could stop them from cashing the check early is to put a stop payment on the check and then release the stop payment on the date of check. Is that correct? If not, what can I do about it?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bank of America starts to charge my checking account a maintenance fee I have never been informed about. I talked to them multiple times and they simple say they MUST have informed me. I know I have never been told about this fee because I asked about maintenance fee when I opened the account. This kind of dishonest practice should not be tolerated in a lawful society.

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 monetary relief
Consumer complaint received 2017-05-25
Company: ORG GC GP Buyer, LLC
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
identiy thef with  XXXX   XXXX  visa.purchase was made in newyork. and I  livein Puerto rico.file police report in Puerto rico.am ount of  XXXX  .need he lp.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
CBE group is trying to collect in behalf of XXXX. In XXXX I filed for bankruptcy and was discharged including the account for XXXX. It remained open till XXXX when I closed it going to a different carrier. I paid my balance in XXXX XXXX afterwards XXXX send my account to collections. Previous request to provide proof of debt owed. I have only received a copy of an old statement nothing to do with the balance they now show. XXXX and XXXX previously were called to provide proof and nothing happened to resolve this collection. This week one of my family members received an email from CBE group trying to collect a debt from XXXX XXXX. I have not agreed with them to use this family members email address. I would like to resolve this issue it prevents me from obtaining a home loan thru FHA assistance, It is also humiliating for me to have them contact my extended family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: PNC Bank N.A.
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
PNC charged XXXX-XXXX dollar late fees on a equity line of credit. 
PNC bought National City Bank. PNC accepted the terms and continued collecting payments for years on this acct The payment has always been due on the XXXX of the month as the online webpage states and shows that the payment is due on the XXXX and shows how much to pay also. {$40.00} was charged as a late fee XX/XX/XXXX, before the payment was due by PNC. See the copy of the webpage and my previous payments for payments made by me. PNC charged XXXX dollars again XX/XX/XXXX when the website show conflicting information ( due date on the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I have been charged XXXX dollars for XX/XX/XXXX If PNC will allow you to login to my account. you will definitely see the conflicting website due dates and amounts. 
Should PNC have to honor my agreement with National City.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my 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 2015-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
I made a wire transfer payment for services to a business in XXXX. Request was made to not to convert and make the payment in XXXX $ only. However, the business in XXXX received payment in local currency. When asked, BofA Wire transfer department confirm that my instructions are to not to convert the currency ; intermediate bank may have converted and asked me to inform the business in XXXX not to touch the money - so that they will help to get the money back and then I can make a XXXX payment again. They money was then taken back from the business but now BofA says they are not sure where the money is and that the intermediate bank is not responding. It has been over a month since the original wire transfer request was initiated and I am concerned a ). for my money and b ). that the business in XXXX needs the payment they may have other penalties and tax implications on their side. c ). I am not getting any answers from BofA, and moreover lastly, d ). now my local BofA rep says I will be charged fees for conversions and back as well as the applicable conversion rates for conversion, even though the banks are at fault. I need help to get ( i ) to recover all my money and ( XXXX ) to find the reasons who is at fault and ( XXXX ) that others do not have to go through this kind of problems. 
Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: CHECK INTO CASH INC.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I took out a loan at check into cash in  XXXX   of 2017   , for {$570.00} and I ca n't pay the loan back because I lost job due to unforeseen reasons..They have been calling me and its really bothering and upsetting my family, not to mention the high interest rates that they charged o n the loan..is n't  this against the law??? I just want them to stop harassing me ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I was with XXXX back in 07 they never gave me the option to refinance the loans and put my loans in forbearance now I owe as much as a medical student for a XXXX degree from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was contacted by XXXX XXXX at CBE Group. He would not identify why he was calling, or who he was, until after I confirmed my address. 

I have a bill that is in dispute with XXXX XXXX XXXX XXXX. I believe I am being wrongfully charged for an uneccessay procedure. I have contested this bill in writing and have requested more information about why I am being charged. XXXX XXXX has not yet responded to my letter. 

In my letter, I state that this bill is in dispute and I am not to be contacted by creditors. Moreover, I state that if they report this on my credit, it is to be listed as " disputed. '' This is obviously being ignored, as creditors are calling me repeatedly and have even attempted to contact my father at on old number of mine.

Company response to consumer: Closed with explanation