BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-05
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have tried many times to get my information corrected and still unsuccessful. This company is reporting my name wrong which I believe is creating items to be on my report that are not mine. My name should be XXXX XXXX XXXX. I have submitted my forms of identification which prove my identity and have also attached them here. Also, I have sent disputes via certified mail and attached the proof! Last, the following accounts have not been investigated to be removed or corrected. Once again here are the items I am still disputing with no proper investigation. 

XXXX - XXXX I am requesting investigation of the comments, account balance, and high balance. I believe this information may be inaccurate. Immediate removal of this item is required of you. 

XXXX - XXXX Review if I was late on the dates you are reporting. Please report the payment status positive and remove all lates from reporting on this account XXXX  - XXXX Take off the late things from this account because I believe I made my payment on time. 

XXXX XXXX - XXXX Please remove the late things from this account because I believe I made my payment on time. 

XXXX  XXXX - XXXX I am requesting investigation of the account name, high balance, and account number. I believe this information may be inaccurate. I need this item removed NOW. 

XXXX - XXXX The late history shouldn't be showing lates because I feel I paid on time. Please remove the late payments from this account. 

XXXX - XXXX Please take into account status date, opening date and last activity date because it doesn't seem accurate. Please review and remove this account for the mistakes. 

XXXX XXXX XXXXXXXX I am disputing the financial obligation because there is no contract. It violates the FCRA, so please remove this collection immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: AMERICAN HONDA FINANCE CORP
State: MA
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 made payments via automated direct electronic system with American Honda Finance, however, it shows Potentially negative in my credit report. My credit score was reduced from XXXX to XXXX points because of this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021 a check # XXXX written by myself to XXXXXXXX XXXX for {$240.00} for a Doctor bill was deposited into an account at Fifth Third Bank in Ohio. I have contacted Fifth Third Bank on XX/XX/2021 and explained that this check was never received by the intended payee and that they do not have an account with Fifth Third Bank which was confirmed by Fifth Third Bank. I requested my {$240.00} be returned to my checking account and the Bank manager refused to help me and stated I needed to have my Bank XXXX XXXXXXXX XXXX Contact Fifth Third Bank which I did. On XX/XX/2021 XXXX XXXX XXXX over night express mailed a copy of the deposited check front and back, as well as information from the Federal Reserve, my account number and the routing number and requested that the {$240.00} be returned to my checking account asap. They also informed Fifth Third Bank that they believe this check # XXXX for {$240.00} was intercepted in the mail and deposited fraudulently since the intended payee does not hold any accounts with Fifth Third Bank. It is XX/XX/2021 and Fifth Third Bank has not responded to any documentation from my bank or returned my fraudulently deposited check that they had no right to negotiate since the payee holds no accounts with their Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
in XXXX a payment plan was set up with Citibank , N.A . and payments were made via automatic withdrawal. no payment was ever missed or late. 
XX/XX/XXXX I received a XXXX for the a discharge amount. 
I was never contacted about the payment plan or offered and alternative to the XXXX. 
Can the creditor automatically send a XXXX without approval of the borrower while an active and ongoing payment plan is in place?

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 2021-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Someone has attempted to gain access to credit lines with my identify. I reached out to all three credit bureaus and advised them that there was inquiries on my report that I did not recognize and or authorize and that I wanted dispute them because they were fraudulent but I was met with push back. I further explained that I called the creditors whom weren't able to give any information other than to call the credit bureaus. I also explained that I have a fraud alert on my report, and that the creditors never called or anything and I was told the fraud alert protects me against this. I was told there is nothing that they can do to assist me and that I would need to file a police report. 
Since then I've attempted to file a police report because that's what TRANSUNION, XXXX, AND XXXX advised me I had to do to get these fraudulent inquires off. After attempting to file a police report with my city police department I was told that a report could not be taken because the thief was not successful in actually opening a credit account with my name or other information therefore it is not identity theft and they would not proceed with a report. I'm beyond frustrated with this matter. Below are the inquires that are fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-03-30
Company: Experian Information Solutions Inc.
State: AL
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:
CONTACTED EXPERIAN ON XX/XX/XXXX, ABOUT SEVERAL INQUIRIES THAT HAD BEEN MADE ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE. THE LADY TOLD ME THAT THEY SHE WAS NOT GOING TO DISPUT THEM AND THAT I WAS GOING TO HAVE TO CONTACT THE COMPANIES. I TOLD HER THAT I WAS TOLD TO CONTACT THEM AND THAT THEY WERE TO DISPUTE THEM AND SHE WOULD NOT DO IT. I DON ; T HAVE A CLUE AS TO WHO THESE COMPANIES ARE AND THIS IS JUST MORE OF A REASON WHY CREDIT BUREAUS NEED TO BE INVESTIGATED ON A DAILY BASIS. 
XXXXXXXX XXXX XXXX XXXX RETAIL CARD SERVICES XXXX XXXX  FOR A TOTAL OF 3 TIMES

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 2017-06-17
Company: Experian Information Solutions 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 status incorrect

Complaint:
Experian credit bureau has been reporting inaccurate information. I have reached out to them and the creditor  XXXX   XXXX . This account is very embarrassing and has caused me miles of  XXXX . The account is reporting neg. and late in which I have paid the account off in full. I am aware that if all of the information is not reported correctly then this account needs to be removed.

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 2017-06-17
Company: SLM CORPORATION
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Predatory lending practices, deceitful, fraudulent. Interest drained to keep you in debt for life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX, Radius Global Solutions notified me of a debt it purchased and intended to collect. I responded by certified US Mail on XX/XX/XXXX, disputing the debt, requesting proof of its legality and validity, and demanding that it cease all collection efforts and other debt-related communications by phone, mail, and email. Radius did not respond to my dispute as required by law, and sent a request for payment by mail on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I am a business owner who recently pulled their credit report to see several errors and in uncorrected account information. My correct name is XXXX XXXX XXXX please remove any mispellings of my name asap.The following addresses are not mine. Please delete ERROR : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX PLEASE DELETE THESE UNKNOWN CELLPHONE NUMBERS THAT DO NOT BELONG TO ME : ( 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 2019-03-20
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Charges appeared on my XXXX XXXX account Charges XX/XX/XXXX & and charges XX/XX/2018 & XX/XX/2018 do not belong to me. I filed a dispute on XX/XX/2018 and as of today this has not been removed from my account. 

In addition, my credit history has now been reporting derogatory as a result of the error on XXXX billing. I has spoken to XXXX on numerous occasions and they will not remove this error. I have suggested that they back tract the delivery address these items were sent. They can see that my address on this account was not the ultimate destination. 

XXXX has also engaged in fraudulent banking practices since I'm being charged for items including interest added to this account unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells fargo doesnt send updates to an app i use.   XXXX   XXXX   app.

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 2021-05-12
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
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:
Information shall be excluded from credit report 15 usc 1681 ( c ) ( a ) 15 usc 1681 b Permissible Purpose : permission before pulling my credit. 

I didnt give anyone permissible purpose to pull my credit nor did I write a written statement for any bureau to allow someone to pull my credit. Is there any written documents or letter that shows a signature of my name stating I am giving anyone permission to pull, looks or touch my credit profile? By you allowing anyone to pull my credit without my consent that is a violation. 

I XXXX XXXX has found that Checksystem has violated my rights as a consumer. I viewed my credit profile and notice several improper usage that took place. I am notifying Checksystem that I am sending a warning with a Letter of Intent certified in the mail and I will take action to litigate this matter immediately. 1. Pursuant 15 usc 1681 ( c ) ( a ) 2. Pursuant 15 usc 1681 b. I did not provide XXXX nor any debtor permission to view, pull or place any information on to my credit report. I am the original creditor. I didnt personally contact Checksystem through mail with no documents stating that I am allowing my credit profile to be viewed or pull for any extension of credit with XXXX XXXX or Checksystem. Legally I must send in a legal document stating that I am allowing permission but I never did and Checksystem does not have a legal documents with my signature stating such fact. I am seeking compensation for damages youve cost for years. The accounts that is listed on my credit report Checksystem & XXXX XXXX which I didnt give anyone debtor nor credit bureau permission to pull my credit. I have attached the images along with documents of an invoice for compensation of damages. We can settle this out of court and I am only allowing 5 calendar days for this information to be removed immediately and permanently. If for any reason my credit report is used without my permission in the future I will file a law suit triple the amount of compensation I will be seeking. I am only allowing 72 hrs for deletion due to violation of Pursuant 15 usc 1681.

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 2017-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Bank of America 's has damaged my home, charged me for services that they did not perform ( mowing grass, removing debris, etc ... ) and added the costs of these services to my mortgage balance. When I contacted Bank of America they told me that they use a third par ty contractor (   XXXX   XXXX   ) a nd that they would fix the problems and that the charges would be credited to me. Nothing was done. Instead, Bank of America 's law firm    XXXX   XXXX   XXXX   XXXX   XXXX   sent m e a letter saying that Bank of America was not responsible. I have proof from that Bank of America or its contractors blatantly lied and that in fact   XXXX   XXXX    caused damage, never mowed my lawn and did not remove debris ; the Police department as well as the Code Enforcement board has records that prove that Bank of America is not truthful.

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 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2020-10-07
Company: Conn's, 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:
Hi, My name is XXXX XXXX. 

I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have experience nothing but terrible customer service from bank of america. I was charged a  XXXX  overdraft fee for  XXXX . I withdrew funds from the ATM and did n't know :  1. They cha rge a fee for a  XXXX  negative balance.    2.  I have a savings account with over  XXXX  in it. I thought they would be able to pull the funds from my savings like they done transfers in the past.    3.  They so many confusing caveats to their website that a customer should get a  one day training just to fully utilize the online resources I called in to speak with two incom petent representatives about the fee. They tried to bait me into an argument by focusing on all the things I could have done. I did not do these things because the options were not made available. I explained to the  Manager   XXXX   th at I have a savings account that should transfer funds when theirs not enough in my checking.  XXXX  said that only applies to ACH transactions, however per the  Core Banking understanding document it states- " With Overdraft Protection, if you 're about to overdraw your account, we 'll automatically transfer available funds from   your linked savings, credit card or second eligible checking account. On ly 1 tran sfer fee charged per day. I have never had an overdraft fee before and I thought I could trust them, but if I have to deal with employees that are snide and trying to prove a point I can take my business back to  XXXX .  XXXX  makes it know that if it is a transaction about  XXXX  they will charge a fee. Bank of America does not make that fee schedule readily available. It is wrong to loan  XXXX  and get a  XXXX  return on that loan. That 's extortion. Please look at my bank history as well to see how they try to confuse customers and steal their money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-02
Company: EQUIFAX, INC.
State: NJ
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:
Not enough information to verify debt : In XXXX, XXXX and XXXX of 2019 I requested an investigation be conducted by the credit bureaus of an alleged debt owed by me. Account # XXXX in the amount of {$810.00}. A proper investigation according to the FAIR CREDIT REPORTING ACT section 609 ( a ) ( 1 ) ( A ) requires verification through the PHYSICAL verification of an original signed consumer contract and not an Electronic or XXXX  verification under which a lot of investigations are being conducted. This software has limitations when it comes to conducting a proper investigation of records. To which I have recieved verified as accurate without recieving the documentation that I have requested which I am entitled to by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I originally received a credit card from an XXXX store, which issued me a XXXX credit card. I used it from XXXX-XXXX. I stopped making payments in the Summer of XXXX. I was out of the military in XXXX, and using my GI Bill during this time as my only income. 

XXXX which is based in XXXX, has a head office in Delaware. The statue of limitations for this type of situation, is typically two years. The debt has been sold to a company called Midland Funding, which has especially in the years immediately after payments stopped, contacted me several times through phone calls, voicemails, and letters. 

I do not believe they have the authority to collect this debt, and never did as it was outside of the statue of limitations from the time I first received a letter. Yet, they still send me letters offering settlements, or otherwise listing negative consequences if I do not pay the debt. I also have veteran XXXX benefits coming into my checking account, so they could not garnish from it. There is a link on the CFPB website which also mentions this ( https : //www.consumerfinance.gov/ask-cfpb/can-a-debt-collector-garnish-my-federal-benefits-en-1441/ ). I will include other attachments as well to illustrate my issue. Based on the research I have done, I do not believe this debt is within the law to enforce, and Midland funding is attempting to illegally intimidate me into paying, many years after it was enforceable.

Company response to consumer: Closed with explanation