BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I went to a XXXX dealership they told me they would run my credit for XXXX but ran my credit 30 times i did not authorize them to do that XXXX XXXX Bank 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 non-monetary relief
Consumer complaint received 2022-12-13
Company: Experian Information Solutions Inc.
State: TX
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:
This is my final attempt to have this account removed from EVERY CONSUMER REPORTING AGENCY INCLUDING XXXX, XXXX, and EXPERIAN. All consumer reporting agencies have tarnished my name and have kept me from obtaining credit. They have ruined my reputation and character. They have violated the FCRA and many other Act as well. This is the last attempt before I seek litigation. 12 CFR 1022.1 Regulation V ( a ) Purpose. The purpose of this part is to implement the Fair Credit Reporting Act ( FCRA ). This part generally applies to persons that obtain and use information about consumers to determine the consumer 's eligibility for products, services, or employment, share such information among affiliates, and furnish information to consumer reporting agencies. XXXXXXXX XXXX  is reporting to consumer reporting agencies inaccurate information about an alleged account. I have sent in numerous billing error notices to XXXX XXXX according to CFR 1026 regulation Z Billing Error. I have asked XXXXXXXX XXXX to verify and validate the debt they alleged I owe, and I requested that the ORIGINAL CREDITOR be identified according to 12 CFR 1006 Regulation f The Fair Debt Collection Practice Act XXXX XXXX  has failed to validate the debt therefore should delete all unverified information from my account ASAP. XXXXXXXX XXXX should delete all account information they share with XXXX, XXXX, Experian, and any other Consumer Reporting Agency. I did not consent to have my information shared with anyone or company. Since XXXX XXXX  has failed to prove that I owe an alleged debt according to 15 U.S.C. 1681c-2 ( c ) all consumer reporting agencies should block of information resulting from identity theft. I didnt consent nor benefit from XXXXXXXX XXXX. If I received goods or services, please have a senior executive certify under penalty and perjury that I received goods or services under this transaction. I request this account and all late payments be removed from my Consumer Report, Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ), which states the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the fair Credit Reporting act, Inquiries from the following were not authorized XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX  inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX inquiry date XX/XX/XXXX, XXXX inquiry date XX/XX/XXXX, XXXX inquiry date XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX  inquiry date XX/XX/XXXX, XXXX  inquiry date XX/XX/XXXX, XXXX  inquiry date XX/XX/XXXX, XXXX  inquiry date XX/XX/XXXX, XXXX XXXX XXXX  inquiry date XX/XX/XXXX has violated my rights. 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
SYNC/HOME DESIGN defaulted during my administrative process. A cease and desist was sent to them on XX/XX/2022 demanding they send an XXXX XXXX including the ledger, all accounting documents, transaction history, and account file. I also demand they remove the account they furnished on my consumer report I never gave written instructions to furnish Pursuant to 15 USC 1681b ( 2 ). Keep in mind non-compliance with my XXXX XXXX XXXX  will be documented and used as exhibits for knowingly and willfully violating federal law.

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 2022-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Hello, I received a notification on my personal email that my Bank of America profile was updated on XXXX XXXX, 2022. I tried multiple times accessing my Bank of America XXXX account, but it kept saying wrong password entered. I then clicked forgot password, and then Bank of America sent a one time passcode to the email associated to the account. I never received the email, and then called Bank of America customer service. The representative told me that their was an account transfer on XX/XX/2022 in the amount of XXXX dollars. I told the representative I never gave that authorization, and no one but myself has access to my Bank of America account. The email on my Bank of America account was also changed to another email I have never used or seen before. The representative told me she was going to lock the account and send a replacement debit card. She also forwarded me to the claims department where I filed a claims report. I also filed a police report regarding this incident. My claims number is 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 monetary relief
Consumer complaint received 2019-05-28
Company: Experian Information Solutions 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:
I have disputed the student loan account with the credit bureaus for several attempts to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is ridiculous..Please delete 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 2022-08-02
Company: Experian Information Solutions 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:
car dealer stole & mis used my ssn for personal and fraudulent reasons. these are what they applied for thats showing on my report XXXX XXXX XXXX XXXXl, XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

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 2022-08-02
Company: Cedars Business Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Cedars Business Services has been harassing me in regards to an invalid and incorrect debt and debt amount. They have been informed in writing in regards to their error, but they are not listening. I have informed them to stop contacting me but they have repeatedly continued. They have put completely false and fraudulent information on my credit report in regards to this incorrect debt. In addition, they have put a false note on my credit report indicating that I have " opened a tradeline with them ''. I have never opened any account or line with this company. This firm is illegally putting fraudulent and incorrect information on my credit report in this manner. I am asking the assistance of the CFPB to investigate this firm, it appears they have exhibited this behavior to many people according to the complaints I see. As a XXXX veteran, I am shocked at the manner in which this company is harassing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: CITIBANK, N.A.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XXXX I accidentally paid {$4500.00} in my Citi Double Cash Mastercard via the Citi app. This was my error as I inadvertently put in an extra zero, I meant to pay {$450.00}. 

On XXXX I noticed the error and contacted Citi customer service to advise of the error and ask for a XXXX refund. The Citi representative advised that they would process my refund and I should receive the money in my back account in 3-5 business days. 

XXXX Citi bank lowered my credit limit by {$4500.00}. 

XXXX I called Citi and the representative advised I would have my money in my account on Friday. 

XXXX I called again and for the FIRST time Citi advised that I actually did not have a refund in process but that they had to approve the refund. I was obviously upset and was transferred to a manager. The manager apologized for the error and indicated the associates were wrong and they would be re-educated. He provided me with a {$180.00} credit for inconvenience and said he make sure I get a call about the approval decision by XXXX  XX/XX/26. 

XXXX I called Citi and asked about the status of my approval and they indicated it was denied because an {$4000.00} refund would extend my credit limit. I spoke with a manager and advised I was an attorney and I was initially told that that I would receive the refund and was not advised about the review. Furthermore, I thought it was a questionable practice that they lowered my credit limit by the exact amount of my payment after I advised the payment was in error. The manager said the credit limit decrease was merely a coincidence. However I informed her that I had this card for 5 years and have never had a credit limit decreased and the timing was questionable especially since that was the amount of my overpayment which they were aware.

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 2022-08-02
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a notice from Shellpoint Mortgage Servicing dated XXXX XXXX, XXXX stating that my mortgage had now been transferred to them. I received the notice on XXXX. I went on their website on XX/XX/XXXX, established a Username and Password and accessed my account # XXXX. It had my correct name and address. At the bottom it clearly stated, " Payment Due Date : XXXX XXXX, XXXX. '' Nothing else. I printed a copy of this and also saved it to my computer documents. I went back a few days later to the website, logged in and confirmed that the same information was still present. 
A few days ago, I received an email saying that I was in arrears for XXXX and XXXX. I contacted their office ( Customer Service agent XXXX XXXX ) who said I had to pay immediately. I pointed out the information that had been on their website, my account, which had NO mention of XXXX or XXXX, only that my payment was due XXXX XXXX, which I intended to pay within that first week. Now, a check of my account is showing that I am, according to them, in arrears. 
I am XXXX  years of age and live on Social Security, which doesn't last an entire month with today 's inflation and gas prices. I relied on the info on their website so it's their mistake and there is no way I can come up with money now spent on necessities. 
HELP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Account from XXXX XXXX XXXX XXXX was paid in full in XXXX. Please remove it from my credit account

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 2022-08-02
Company: Celsius US Holding LLC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I tried withdrawing my funds from the company but they didnt allow me to get my deposited funds back. The CEO of the company XXXX XXXX manipulated me and many others into thinking that our funds are safe and that the company operates as a bank, while instead of giving out loans with my money, they were investing in risky assets as unregulated hedge fund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, 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:
car dealer stole & mis used my ssn for personal and fraudulent reasons. these are what they applied for thats showing on my report 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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: MoneyLion Inc.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I reported fraud on my account on XX/XX/2021. Ive sunce been locked out of my account by Moneylion fir several weeks. I have 5 paychecks that were direct deposited into my account that I can not access. My car is being repossessed and possible eviction. I just want to pay my bills with my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Wealthfront Corporation
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank closed my account at there discretion which I find odd Ive had that account for almost a year already and now that Ive deposited a large amount to my cash account they suddenly closed it Prior to it being closed Ive done a bank transfer to transfer my money to my other bank account before it closed I try reaching out several times via phone but goes to a recording

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions 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:
I sent a letter on XXXX, XXXX to remove these items, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # 's XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX Balance : {$55.00} ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$55.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-08-02
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:
MY NAME IS XXXX XXXX I AM A VICTIM OF IDENTITY THEFT THE INFORMATION LISTED BELOW, WHICH APPEARS ON MY CREDIT REPORT DOES NOT RELATE TO ANY TRANSACTION ( S ) THAT I HAVE MADE ITS IS RESULT OF IDENTITY THEFT I'VE CONTACTED EQUIFAX RECENTLY ABOUT THIS MATTER I SENT IN THE FRIST REPORT FTC REPORT NUMBER XXXX ( WWW.IDENTITYTHEFT.GOV ) EQUIFAX SENT ME A LETTER STATING THAT THE FTC REPORT WAS UNVERIFIABLE SO I CALLED FTC WHICH TOLD ME THAT THAT WAS NOT TRUE SO IM RESEND MY FTC REPORT, IVE BEEN BATTLING WITH IDENTITY THEFT FOR ABOUT 2 YEARS I RECENTLY SPOKE TO A EQUIFAX FRAUD REP THEY TOLD ME THAT MY FILE MIGHT HAVE BEEN A MIX FILE, THE REP TOLD ME HE'LL FIX IT BUT STILL NO CHANGES AND IT BEEN 7 MONTHS, UNDER THE FAIR CREDIT REPORTING ACT 15 USC 1681 est seq funishers MUST INVESTIGATE DISPUTES RECEIVED FROM CREDIT REPORTING AGENCIES, IM REQUESTING A 605B BLOCK OF information resulting from IDENTITY THEFT 15 USC 1681C-2 AND 15 USC 1681S-2 ( b ) NO LATER THEN 4 BUSINESS DAYS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Grain Technology, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I first reached out XXXX XXXX XXXXXXXX to the company via email about the issue. It stated they have a new verification process to where they have you enter your name then upload your identification card or drivers license or passport etc. I uploaded my NON expired I.D . that I have always used and it is not torn, scraped, or damaged so it is very legible. I previously pulled credit from them for months and made my monthly payments on time from my ACH ACCOUNT and all of a sudden I received an email stating they were unable to verify me and I could no longer pull my XXXX line of credit. It has not updated my XXXX XXXX but it says it has but I have the XXXX, XXXX, and XXXX XXXX which do not match. Now they have been going back and forth with me through emails stating there is nothing they can do to overturn the decision but I am responsible for paying them back but even while trying to make payments nothing is being pulled because it keeps saying reconnect bank account and its grayed out as if I can not connect. For the longest they were pulling money from my bank account so for them to say they can not verify me how are they able to pull money from my bank account which has the same name and identity. This is an account on my credit that can not be accurately accounted for if im unable to pull and pay them. I asked for a XXXX to help but told me there is nothing they can do as it is a XXXX time decision and they can not reverify me which makes no sense. How am I able to pay a company back who claims they can not verify me.

Company response to consumer: Closed with explanation