BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: AL
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:
In accordance with the Fair credit reporting act USC 1681 ( i ) ( a ) ( 1 ) ( A ). Can you reinvestigate the completeness and accuracy of this accounts Account Name. Account number XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX15 USC 1681 section 602A .States i have the right to privacy 15 USC 1681 section 604 A section 2 . It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information.Any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe the information is inaccurate.

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 2023-01-04
Company: EQUIFAX, 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 did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: LAKEVIEW LOAN SERVICING, LLC
State: AE
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:
I have been reported as 60 days late on one reporting bureau and 30 days on another. 15 USC code 1681i, Inaccurate or Unverifiable Information must be deleted. Also, in accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC Code 1666b, a creditor may not treat a payment under an open and consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX, I attempted to open an Any Deposit Checking account with Bank of the West online ; however, I was told my identity could not be verified so I needed to go into a branch. On XX/XX/XXXX, I was able to successfully open the account in a branch. There was a promotion being offered at the time that if you opened an Any Deposit Checking account and made direct deposits of $ XXXX for three consecutive months, you would receive a {$250.00} bonus. My direct deposits, each for {$1000.00}, were made on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

When I still had not received the promotion bonus, I contacted customer service via secure message on XX/XX/XXXX to inquire about the status. On XX/XX/XXXX, customer service responded that they had no record of a promotion code for the bonus being attached to my account. I responded the same day that a promotion code had not been required for the bonus. On XX/XX/XXXX, customer service responded with, " Bank of the West Online Banking and Contact Center departments are unable to modify in any way the requirements an account must fulfill to obtain a campaign bonus. Our Research Department reviews all accounts to confirm eligibility for any campaign bonus. They make the final determination whether the required criteria were met, and issue any bonuses to qualified accounts. '' I met the qualifications for the bonus and would like Bank of the West to deposit it into my account as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-25
Company: Uplift, Inc
State: VA
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 account is currently reporting on my credit report, and I have not physically signed anything or applied for any type of credit with the merchant. I have previously requested an Investigation into this matter, and I have not gotten a resolution to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On the aforementioned date, I experienced an accident where I fell into the sea, injuring my left XXXX. Although I initially felt unwell and my XXXX XXXX dropped, a lifeguard promptly arrived to assist me. At that moment, I clearly communicated that I did not require an ambulance and did not request one, as I believed my condition to be stable and manageable. 

To my surprise, the attending paramedics insisted on placing me in the ambulance against my will. Concerned about the potential financial implications, I specifically asked whether there would be any charges. One of the paramedics assured me that the service was offered free of charge to tourists. Relying on this information, I reluctantly agreed to be transported to the hospital, even though I repeatedly stated that I felt fine and did not require medical attention. 

Upon arrival at the hospital, I was promptly discharged after a mere 15 minutes, as it was determined that my condition was stable and no further treatment was necessary. Consequently, I was shocked to receive a bill from the hospital for the ambulance services I did not request or consent to. However, the bill was later refunded by XXXX at ( XXXX ) XXXX, which implies an acknowledgment of the unnecessary charges. 

To my dismay, I have recently learned that the ambulance service intends to pursue the same charges, despite the fact that it has been 9 months to a year since the incident occurred. This distresses me greatly and raises doubts about the legitimacy and fairness of such a claim. 

I want to emphasize that I did not sign any agreement or consent form for the ambulance service, nor was I informed about any potential charges at the time of the incident. Considering the circumstances surrounding the incident, the subsequent refund of the hospital bill, and the lack of any prior notice or documentation, it is evident that these charges are unjust and should not be pursued any further.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Genesis FS Card Services, Inc.
State: PA
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: Overcharged for something you did purchase with the card

Complaint:
I had a card from first genesis ( 12 genesis fs card services ). This card was stolen in 2021 I asked for a replacement card one two occasions and no new card was sent.Be cause this card had no balance and I never received a card I then acalled them and asked them to close the account.now they are putting that I owe XXXX dollars that I never spent or had awareness of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: MOHELA
State: NJ
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 noticed a Mohela Department of ED on my Credit Report in which I am not familiar with

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EVERBANK, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
This complaint is related to complaint ID XXXX, which alleged that TIAA / XXXX XXXX overcharged interest during the period XXXX XXXX to present. By letter dated XX/XX/XXXX, included in the prior complaint, TIAA / XXXX XXXX corrected the rate for the period XXXX XXXX XXXX, but misrepresented the overage which ranged from 2.250 % to as high as 6.875 % during the relevant period and even more troubling, miscalculated payments due on the HELOC segment and failed to apply principal payments on the primary mortgage balance. As a result, after paying {$6800.00} on XX/XX/XXXX, our total loan balance INCREASED from {>= $1,000,000} to {>= $1,000,000} between statements dated XX/XX/XXXX and XX/XX/XXXX. Both statements are attached to this complaint. You will note that the statements are inconsistent in several additional respects, in that the previous balance on the XX/XX/XXXX statement in the amount of {>= $1,000,000} does not match the current balance of {>= $1,000,000} on the XX/XX/XXXX statement. You will also note that the current balance summary on the XXXX XXXX statement does not match the calculated balance on the very same statement in the amount of {>= $1,000,000}. In addition, after purporting to remedy the situation and locking the interest rate at 2.250 % on the HELOC through XX/XX/XXXX, XXXX issued two more notices of rate increase, dated XX/XX/XXXX ( the very same date of its letter locking the rate ) and again on XX/XX/XXXX. As of today 's date, XX/XX/XXXX, we have not received a statement for XX/XX/XXXX. 

It is unclear whether these errors and irregularities in the basic calculation of mortgage loan balances are due to fraud or recklessness, or utter incompetence of TIAA XXXX XXXX XXXX staff. They do not appear to have the basic skills or training to properly manage client accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Resurgent Capital Services L.P.
State: NC
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 disputed and submitted information requesting removal of fraudulent account for collections for Lvnv funding in the amounts of XXXX dollars XXXX, XXXX. XXXX dollars and XXXX XXXX XXXX  for XXXX dollars and XXXX XXXX. This with XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
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 status incorrect

Complaint:
There is a collection on my account that is not only false it is NOT mine I have NEVER signed a contract with this agency I was NEVER contacted about this collection either! It is being reported that this is an open account for the amount of {$320.00}, BUT this is a collection this is a violation of my rights, also In accordance with the fair credit Reporting act XXXX Account # XXXX Security credit service, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Experian Information Solutions Inc.
State: TN
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 been fighting with the Credit reporting agencies XXXX, XXXX, and Experian for over XXXX years now in regard to the inaccuracies on my credit report. I've even shown proof/copies of the inaccuracies and each time they send it back updated and verified. I know this to be false because they would easily remove the accounts from my report if they have done a proper investigation. They also have failed to provide proof of a proper investigation which I have asked for multiple times. TODAY I am taking a stand in gaining my life back. Because of these detrimental inaccuracies, I have been shamed by peers and employers neither have I been able to provide for my children as well, so today I am filing a huge complaint against 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 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance XXXX XXXX ; XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$910.00} ; XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-08-26
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The wrong amount is being asked for. They have the correct amount on the ledger. They know the amount to the XXXX. Upon speaking to a representative they advised me that they want to first validate the debt. They said they will contact me with the results and if needed I could present proof of correct amount. They did not attempt to call me to ask for the correct amount, nor confirm with the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-06-21
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:
I sent to Experian, XXXX and XXXX the letters pretaining to the removal of personal information due to identity theft I sent in the forwarding documents and I received no response nor was the information removed. Experian keeps reaging accounts that should have been removed and they fail to remove information that is incorrect.I feel that Experian is retailiating against me because I am a consumer in the class action lawsuit against the company. 15USC 1681 I ( 5 ) States that everything has to be complete and accurate. 15 USC 6802 States " No financial institution is suppose to share my information to third party people. My federal consumer rights are contioniusly being violated. 15USC 1681 section 602 A, states " I have the right to privacy, also 15USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. In which these accounts are violating my rights. acct # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX, acct # XXXX XXXX Bank XXXX acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) acct # XXXX XXXX XXXX, acct # XXXX in which has a contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15USC 1692 section 805 A in which XXXX financial services and XXXX XXXX XXXX has violated my rights as well. 

ATTACHMENTS XXXX ( XXXX MB ) XXXX ( XXXX MB ) View full c

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: ALLY FINANCIAL INC.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a checking and savings account with the the promo of getting {$250.00} deposit after 30 days but it's been over 60 days. I've called numerous times but I can't get any results. Every representative I've spoken to admits that I've completed the requirements and I'm due this money but unfortunately I just keep getting call back promises but it never happens. I don't know what else to do.

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 2022-10-20
Company: Experian Information Solutions Inc.
State: NY
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 XXXX 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 I am alleging that a person or company - without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2022-10-20
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:
A debt reinvestigation letter was sent to XXXX and Experian on XX/XX/XXXX. XXXX responded to the debt reinvestigation letter on XX/XX/XXXX and Experian responded on XX/XX/XXXX. XXXX stated the reporting had been updated and Experian stated the reported had been verified. XXXX and Experian failed to thoroughly investigate this issue and delete the negative reporting. XXXX also updated the " placed for collection date '' to reflect XX/XX/XXXX. XXXX later changed the date to reflect XX/XX/XXXX on the most recent credit report. XXXX XXXX, XXXX recently updated an outstanding balance of {$21000.00} to Experian and an outstanding balance of {$21000.00} to XXXX. This negative and false reporting has caused a financial hardship.

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 2021-10-05
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. XXXX really sick and tired of these XXXX. Should there be any updates on my inquiries, XXXX gon na go to court

Company response to consumer: Closed with explanation