BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-12
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 n 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 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 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  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 2023-10-25
Company: Experian Information Solutions Inc.
State: MA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-08-02
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The problem is I want to pay with the debit card and not my bank account.they keep harassing me in a clandestine way and I just hang up. I will pay the money, thats not a problem but harassing me in a clandestine way is not doing make the issue better. Its getting worse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: AZ
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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$2300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; U S DEPT OF EDXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX Balance XXXX {$3000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$66.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$2100.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: National Credit Systems,Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went through identity theft a few years ago and someone fraudulently opened up several accounts in my name, credit cards, loans and even an apartment in Missouri. I live in Georgia. I contacted the apartment complex and the collections agency that the apartments hired and sent them tons of sufficient evidence to prove that I didnt live in the state of Missouri and that Ive never been to that apartment. I sent them my lease in Ga for that current year, I sent check stubs for that duration to prove I worked full time in Georgia, I sent a copy of the police report to prove theres an ongoing investigation and I also sent a picture of my drivers license to show that it will not match the one they seen when the lease was executed even after all of these things, theyre still saying its my account and will not remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-03
Company: I.C. System, Inc.
State: MO
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2022 went into the XXXX XXXX store XXXX XXXX to ck the new Phones. The rep gave me a sample internet unit for free. 
I took it home to see what its XXXX XXXX the XXXX i mentioned I have internet with XXXX XXXX XXXX and pay {$10.00} qualified Military Vetrans Disaibility pension igot it home to see if it was better than my current internet, iIt did not work at all so i took it back to the XXXX  store The agent that gave me the unit was not there and another salesman would not accept the return item. I called thier home office as instructed. To ask why they refused the return item. she asked me to take a label to XXXX  XXXX. When i called XXXX  XXXX they wanted {$20.00} pkg fee. in the mean time i had ti go to XXXX XXXX with XXXX and XXXX issues. 
When i got better i sent the item to XXXX  in Texas. I never used the item I have internet with XXXX XXXX XXXX exclusive with the complex. I got around to ship the thing to them uos now they want to bill me $ XXXX it is not fair. I did not get a bill and consider this a scam they can tell that i never used the unit .. and i had to go across town to ups instead of the store that gave me the item as a gift.

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 2023-07-25
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
they are saying i owe them debt when i never opened an account with them, it was from identity theft XXXX XXXX XXXX XXXX XXXX XXXXXXXX saying i owe them {$430.00} but i never opened a credit card in XXXX it was identity theft XXXX XXXX XXXX LVNV FUNDING LLC says i owe them {$790.00} but it was identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AP
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Capitalone credit card doesn't have features that are available for military personnel and there family members that are XXXX XXXX 
I have made several calls about my cards. They have locked me out of my account for almost a year. When i thought we had gotten some sort of understanding, I am still without a card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2022 I closed my account with Mountain America Credit Union. A few days latter the account was reopened to pay a new charge, because the reopened account had no money in it it was also charged for insufficient funds. The reopening of the account was done without my permission. After finally being informed of the charges to the closed account I called the credit union in an attempt to clear up the situation, but was told the only solution would be for me to pay the charges as well as the insufficient fees, because I refused to pay them the debt was sent to collections and is harming my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have contacted XXXX  on multiple occasions that I have never had an account or balance with XXXX. My last attempt to contact XXXX was on XX/XX/XXXX and I received no response back. I sent the letter certified USPS tracking XXXX. It was received by XXXX on XX/XX/XXXX. I have contacted Experian on multiple occasion about this matter. Experian said they confirm this charge but that is impossible when XXXX has never respond back because there is no account or balance. Experian is not doing a proper investigation and at this point, I will be moving forward legally if they do not remove this from my credit report. I wrote Experian on XX/XX/XXXX telling them that XXXX is not responding back or validation any account or balance. XXXX has not responded back to my letter in 4 months. This account is causing adverse affect to my credit worthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: U.S. BANCORP
State: NY
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I redeem my USBank credit card reward points and received a {$25.00} pre-paid debit card, the card expiration date is XXXX. But in whole XXXX I had been trying to activate the card and never have luck, either online or via the phone. I tried to called up USBank but either couldn't get a support agent or no one could 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 monetary relief
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Experian Credit Bureau response : Dear Valued Customer, Thank you for contacting us regarding your Experian CreditWorks membership.I appreciate having the opportunity to assist you and strive to provide you with the best customer experience possible. 

At this time, we're unable to determine the nature of your request with the information provided. I'm sorry for any confusion regarding this matter. 

Simply reply to this email with more details as to how we can assist along with additional verification requested below : The full name you used when registering for your account Your Member ID - this is a unique number that can be found in any email from Experian or by logging into your account clicking your initials in the upper right corner The email address connected to your account The phone number connected to your account We apologize for any inconvenience. Thank you for choosing Experian. 

Sincerely, XXXX XXXX. 
Your Team at Experian MY RESPONSE : I responded to your company on the website. ya 'll know exactly who I am and why i'm responding. Remove the fraud from my credit report. If you don't know who I am, you have no true accuracy or verification of nothing, so again remove unverified information or anything about me.

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 2023-07-25
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received via mail a welcome letter from Chime with an account number and debit card on XX/XX/2023. On XX/XX/2023 I received an email from Chime stating that the email address on my account had been changed. I contacted the company via the only customer support line available XXXX and they were willing to close the account. I had no idea what information they used to open the account ( ie social, dob, etc. ). After closing the account they said I had to send an email to request information about any transactions that may have gone through the account. They stated no one at their helpline was capable of viewing those transactions except this mystery team that could only be reached via email. No supervisor was available or offered for assistance. I was only provided an email address and no additional assistance to what the potential exposure of this fraud is. I have no idea if I will ever get a response to the email or if it will contain the information needed. The fraudulent customer service at Chime is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
I registered for an XXXX XXXX  with XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ). During a trip to Florida I received some weird text messages requesting to access my account. When I further looked into the situation, there were three XXXX XXXX  taken through the XXXX mobile application on XX/XX/XXXX ( in the amount of {$200.00} ), XX/XX/XXXX ( in the amount of {$200.00} ), and XX/XX/XXXX ( in the amount of {$200.00} ). I contacted XXXX on XX/XX/XXXX after contacting Bank of America on XX/XX/XXXX, notifying them that I was a victim of fraud. That someone had taken cash advances and sent them to a debit card ending in XXXX, which is not my debit card. The only debit card that I used and registered with my XXXX profile, were my Bank of America debit card ending in XXXX which was tied to my Bank of America checking account ending in XXXX. XXXX immediately admitted to the fraud and stopped the transfer for one of the charges as repayment from my bank of america account ending in XXXX. The other two charges for repayment of the cash advance came out on XXXX. I have yet to be refunded for both of the charges by either financial institution. XXXX has stated that they admit the money was sent to an account that is isn't mine, however they will not refund me. Bank of America denied my claim for reimbursement.

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 2023-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
American Bank will not stop sending me credit card offers. I've called multiple times and they continue to harass me with multiple offers every day. When I called to cancel they said they wanted my social security number and bank details. Very suspicious.

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 2023-09-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I recently checked my credit report and these address on there are not mine i need them removed asap. My address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 

Please remove the following addresses 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: Maximus Education, LLC dba Aidvantage
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I enrolled in Aidvantage 's autopay for my student loan on XX/XX/. I received an email the same day saying I had been enrolled. 

On my first repayment date, XX/XX/, my account was not debited. I received an email on XX/XX/XXXX  again stating my account had been enrolled in autopay. 

Today, XX/XX/, I received an email saying I had missed a payment. I checked my autopay status on the website and it showed that I was correctly enrolled. I re-enrolled again, and again received an email saying I had been enrolled. 

I then tried to call them about what happened and how that would affect my loan and repayments, and waited on the phone for 4 hours before the call was dropped. I tried to use their online chat system, but that says it is down due to heavy load on the website. I have now been waiting on the phone again for over an hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Upstart Holdings, Inc.
State: ID
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 reached out to the company with screen shots of my credit report showing the loan still showing open on my XXXX Credit Report. I gave them the loan amount the date I took the loan out the date I paid it off and my information. 

I received an email back telling me the credit bureaus were sent the information of paid as of XXXX. I wrote back and let them know that is incorrect and again sent them screen shots. 

I then received an email back stating I need to send an email with my information and my loan information and request my credit report to be updated. I wrote them back to let them know that is already what I did and it is in the chain of emails already sent. Then I advised them I was going to file a cfpb complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: AZ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report XXXX  XXXX XXXX Balance : {$430.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
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: Information belongs to someone else

Complaint:
My name is 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