BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-03
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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-18
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I requested the credit bureaus do a verification of a few account for accuracy. They completed their investigation with the companies in question ad stated all information was verified and accurate. i decided to do a thorough research myself and found improper inaccuracies on the report after their investigation. 
In accordance with the FCRA, these creditors listed below has violated my rights under 15 U.S.C 1681 sec 602A. states I have the right to privacy 15 U.S.C 1681 sec604 A sec 2. States a consumer reporting agency can not furnish an account without written consent 15 U.S.C 1681 sec 623. All data must be100 % accurate and verifiable XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: MoneyLion Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The debt is reporting from a company called MoneyLion INC XXXX XXXX XXXX XXXX, NY XXXX for the amount of XXXX This account was opened XX/XX/2021 I did not make this debt, I have requested a validation of debt with no response. This is not my debt as I have told MoneyLion INC to prove me with documentation of its validity. on my credit reports it does not show a account number. Please investigate and remove from all credit reporting information bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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  and Transunion are failing to report that the following account is in fact In Dispute. XXXX XXXX/XXXX   XXXX  partial account number XXXX. XXXX  and Transunion are failing to report XXXX partial account number XXXX is in fact In Dispute. Transunion is failing to report XXXX partial account number XXXX is in fact In Dispute. ( I have attached pages from my credit report for reference on the accounts listed above. ) I have also sent multiple requests to the bureaus to investigate these accounts and the bureaus continue to report these accounts as account not disputed. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are In dispute.

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 2015-05-18
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Delinquent account

Complaint:
NOTE : The Card number may not be complete as I did not receive the card at all. 
Around XX/XX/XXXX I applied for Old Navy Credit card at a store in XXXX NY. The purchases I made that day we paid through my debit card and was not charged to the new credit card. It was just an application. 

Early XX/XX/XXXX, while trying to get a car loan, I was made aware that I have negative reporting by Synchrony indicating Charge off and Late payments. I list below the events that occurred and incorrect management of the account by Synchrony. 
Upon understanding of the negative reporting I immediately called Synchrony. 
XXXX Synchrony asked me to call XXXX as the account was sold. XXXX did not have the account active on their systemb. Escalated back to Synchrony on what the balance is and why is reflecting on my credit report. Nobody could explain the balancec. Continued follow up until Synchrony had to re-purchase the account back from XXXX XXXX associates. 
XXXX The account was reported Charge off around XX/XX/XXXX and XXXX XXXX this Seriously impacted my credit. 
XXXX With various follow ups I was given to understand that there was a balance of about {$59.00} on the account however they could not explain why until the account was activated. 
XXXX Finally, i was given to understand that an application fee of around {$14.00} was assessed on the account and all other fees were additional late charges. 
XXXX Synchrony waived the charged and I paid {$14.00} and change on the account with the expectation that Synchrony correct the report and delete any negative reporting. This was committed by the agent on the call. 

I never received the credit card from Synchrony. I was told it was returned for incorrect mailing. They did not send me any notifications or statements, nor did I receive any calls. Synchrony charged off my account and sold my account. I also did not receive any notification from the new purchaser. This is complete mis-management of the account and this lead to me having to agree to a high interest rate on my new car. In my XXXX years of credit history I have NEVER been late on any of my accounts and would have not on mere {$14.00} if Synchrony had managed the account well. Apart from a few agents at Synchrony Bank, most of them did not care for customer concern even after explaining on multiple occasions, what the background was. Over the last 6 months I would have paid over {$300.00} extra on my car loan interest due to this mis-management and credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-29
Company: Experian Information Solutions Inc.
State: WA
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  ; Experian and XXXX  are failing to report that the following account is in fact In Dispute. XXXX XXXX/XXXX   XXXX  partial account number XXXX. Experian and XXXX  are failing to report XXXX  partial account number XXXX is in fact In Dispute. XXXX  is failing to report XXXX partial account number XXXX is in fact In Dispute. ( I have attached pages from my credit report for reference on the accounts listed above. ) I have also sent multiple requests to the bureaus to investigate these accounts and the bureaus continue to report these accounts as account not disputed. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are In dispute.

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 2015-11-05
Company: Strategic Alliances, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX/XXXX/15 I requested 1st Financial Investment Fund provide validation for {$100.00} debt being reported to credit bureaus. As of XXXX/XXXX/15 I have not received any response in relation to my request.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-29
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Someone fraudulently applied for an SBA loan using my name and company. I was able to stop it at SBA before money was issued, but I have had a very difficult time contacting credit bureaus to place a freeze on my accounts. This particular complaint is about Experian. I tried to log in to Experian this morning. I have now spent more than an hour trying to reach them. Here 's what happened : I tried to log in with my username and password. System said I would have to confirm a texted security code. System correctly displayed the last 4 digits of my phone number. I agreed. System failed to text me and displayed the following " Oops, we're sorry! We are currently unable to process your request. Call us toll-free at XXXX '' Tried calling. Tried each voice tree option and could not get through. XXXX  for other Experian numbers and could not reach a person or any other help on two other numbers. Most times, after making a selection, the phone gave me a busy signal.

I agree they are a " sorry '' company, but this is unacceptable! I don't care if they are short staffed or can't keep their computer system operational. Let their overpaid executives answer the phones, then.  They have extraordinary power over my financial life. Therefore, they need to demonstrate extraordinary responsibility and responsiveness. They don't! They need to take whatever measures are necessary to correct this situation now. Instead, they have wasted an unreasonable amount of my time when I try to place or follow up on a freeze. Initiating and following up on the freeze is my RIGHT. If they don't allow me to exercise that right in a timely and efficient manner, than they should be required to compensate me for the harm they caused - namely, my lost time.

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 2022-02-24
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX, I went to XXXX  XXXX XXXX  XXXX, CA to purchase a vehicle. After submitting all necessary paperwork for financing. Gateway One Lending XXXX  XXXX ( Now XXXX ) issued the loan. On XX/XX/XXXX, I received a letter stating that they could not approve the application. I have paid {$22000.00} fraudulently

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
On XX/XX/2018, I had a loan balance of XXXX XXXX XXXX XXXX and XXXX XXXX dollars, XXXX cents with XXXX XXXX XXXX in which paid off in full. But for the past two months, there has not been any update to my credit report with any of the three credit bureaus as to my loan been paid off. I reach out to XXXX XXXX XXXX  on many occasions to inquire about the inaccuracy on my credit report, but I was unsuccessful in getting the issue resolved with them.

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 2020-09-29
Company: EQUIFAX, 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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; B US BKPT CT FL XXXX XXXX Docket # : XXXX Source : XXXX/XXXX/EF File Date : Amount : Status Date : XX/XX/XXXX - XX/XX/XXXX Plaintiff : Action Type : Status : XXXX XXXX BANKRUPTCY DISMISSED *** XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$11000.00} AUTO {$5800.00} XXXX - {$5800.00} XXXX XXXX XXXX XXXX BANKRUPTCY XXXX/EF  XXXX XXXX XXXX XXXX ( CHAPTER XXXX ) XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Mandarich Law Group, LLP
State: FL
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:
On XX/XX/XXXX and XXXX 2022, i have sent Mandarich Law Group, LLC an email and mailed in a letter stating I am going through a extremely difficult financial hardship situation and much more. I paid at least {$1.00} today on XX/XX/2022 the reference number is XXXX. I also stated that I will provide at least {$25.00} dollars per month until my debt is cleared. 

At this moment of time this is really all I have to offer and will do for your law group until things start to change for the better.

I will also send Mandarich Law Group a copy of every statement that contains {$25.00} to their XXXX XXXX in XXXX Illinois. 

Kind regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
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 am bothered by the actions made by the Credit Reporting Agencies! They have failed to comply with the FCRA section 605b and continued reporting the disputed accounts and information on my Credit File that resulted due to Identity Theft. I have been sending multiple written letters addressed to the Credit Bureaus requesting that they remove all the disputed accounts and information from my Credit File or provide me copies of documents bearing my signature to support the Credit Bureaus claims that the disputed information belong under my name. Either which, the Credit Bureaus have failed to do so. I am now submitting this complaint to you today to inform the Credit Reporting Agencies that I am in talks with my Legal Counsel to initiate legal response for the Credit Bureaus incompetence and negligence. Under the FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identiy theft. I need the following items deletes as soon as possible : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX US DEPT ED XXXX Balance Owed : {$1000.00} US DEPT ED XXXX Balance Owed : {$250.00} US DEPT ED XXXX Balance Owed : {$1700.00} US DEPT ED XXXX Balance Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$5200.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$8800.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX XXXX Owed : {$1100.00} XXXX XXXX XXXXXXXX Balance Owed : {$420.00} AN # XXXX XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: PNC Bank N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Banks are free to over-charge consumers with astronomical overdraft fees for transactions, particularly when a consumer makes an HONEST effort to make deposits the same day or XXXX3 days prior to cover insufficient funds. 
The FDIC Truth in Lending, Congress or the President of the United States should regulate the overdraft fee. 
America 's big XXXX banks made over {$5.00} billion last year from overdraft fees alone. 
The result is that JPMorgan took in {$1.00} XXXX from customer overdrafts. Bank of America and XXXX XXXX took in {$1.00} XXXX each. 
The CFPB ( Consumer Finance Protection Bureau should consider implementing additional rules on overdrafts. 
Fees on the " regular XXXX '' bank account made up about 4 % of operating revenues for America 's biggest banks last year, according to XXXX XXXX. 
Overdraft fees, which represent approximately 60 % of the fees charged by banks. Only 10 % of the population pays 75 % of the fees, and they tend to be the most economically vulnerable, including our troops, consumers who are between jobs and making effort to cover transactions, and consumers who travel on the road frequently. 
According to data collected by the Federal Deposit Insurance Corporation, overdraft fees collected by big banks are up 6 % from a year ago, the XXXX reports. 
" Over the years, overdraft programs have become a significant source of industry revenues, and a significant reason why many consumers incur negative balances, '' CFPB Director XXXX XXXX said in XXXX. " Too many problems with overdrafts can cause people to give up on the banking system or force them out of it altogether. '' Losing that much money to fees can make it difficult to pay necessary bills and make loan payments, which can end up damaging a person 's credit standing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-18
Company: Possible Financial Inc
State: MI
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 various concerns with multiple insertions on my credit bureaus from a few publishers, I am leaving in this complaint. For the record from XX/XX/XXXX til XX/XX/XXXX. I have been out of the country and was advised that my identity was fraudulently used. I was in XXXX XXXX - XXXX XXXX XXXX and I noticed from a prior issue I challenged. There are ( 2 ) insertions that were fraudulently obtained without my knowledge and consent regarding ( 2 ) accounts listed on my XXXX and XXXX bureaus. The first complaint I wan na make a complaint on is ( Possible Financial ) - Account # XXXX. This account is 100 % fraudulent and should be removed. I am requesting that ( Possible Financial ) provide visual proof involving my hand signed signature to validate this account that was created without my awareness or consent. If a handwritten signature can not be provided bearing my signature, I am requesting this insertion be removed from both XXXX and XXXX. The second complain involves ( Possible Financial ) - XXXX. This account is 100 % fraudulent and should be removed. I am requesting that ( Possible Financial ) provide visual proof involving my hand signed signature to validate this account that was created without my awareness or consent. If a handwritten signature can not be provided bearing my signature, I am requesting this insertion be removed from both XXXX and XXXX. The Third complaint involves ( XXXX XXXX XXXX  XXXX, this company is reporting negative information regarding a closed account with the dates totally wrong. I recall this account being opened and closed on different dates than they have been reporting. am requesting that ( XXXXXXXX XXXX XXXX ) provide visual proof involving my hand signed signature to validate this account that was created without my awareness or consent. If a handwritten signature can not be provided bearing my signature, I am requesting this insertion be removed from both XXXX and XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation