BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: FL
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:
Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$520.00} ; XXXX XXXX XXXX Balance : {$3000.00}.

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 2023-08-23
Company: Experian Information Solutions Inc.
State: FL
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've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit 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

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 2023-09-22
Company: Self Financial Inc.
State: FL
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:
On XX/XX/2023 Self Financial responded to my Consumer Financial Protection Bureau complaint XXXX stating that the late payments were accurate. Self Financial failed to assure that I XXXX XXXX the consumer received all statements before the due date. How can Self Financial complete an investigation without contacting the consumer for a declaration to verify accuracy? I never received a call or email about this investigation of this billing error. Self Financial failed to provide a Method of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: KY
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-11-28
Company: Resurgent Capital Services L.P.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was a victim of XXXX data breach and inaccurate information needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
account number XXXX XXXX XXXX XXXX XXXX and XXXX dollar deposit at fifththird bank stolen crypto currency I was promised {$5800.00} a day. 
XXXX XXXX XXXX Tennessee

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've discovered a billing error!! 12 CFR 1026.13. I've noticed XXXX XXXX reporting my personal information to third-party companies such as consumer reports XXXX, XXXX XXXX XXXX without my written consent. Security fraud. 15 USC 1601, ( 15 USC 1605 ) 15 USC 1635 A- B

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
*** This is basically a duplicate of the one filed a couple minutes ago on my checking account, I'm just filing the same thing on the savings account so they can refund/close it too *** On XX/XX/2023, frustrated w/my bank and their recent policy changes, I decided to change banks. I went online to Bank of America and proceeded to open a new checking and savings account ( approval e-mail from them attached ). I opted to fund each opening deposit via ACH transfer ( an option offered ) and provided the routing and account numbers of my current account for them to initiate an ACH transaction to fund the new accounts. As expected, they processed Monday and cleared my account Tuesday night, posting Wednesday, XX/XX/XXXX, as shown on the attached. 

On Saturday, the XXXX, I logged on to " check on things '' and noticed they still had not credited my account. Even if there were to be a fund availability hold, on an ACH it should have been off by Saturday. So, I attempted to live chat them and discovered I couldn't do it from computer ( how nice, no way for me to have a transcript/record of what was said ). Left with no choice, I phoned them and got the usual... a few menu 's, the time-waster telling you can do things online ( this couldn't be done online ), etc., then the " longer than normal hold times 'but we can call you back ' ... '' They called back and might as well have not wasted my time... 

The first rep was completely clueless, so I asked for a Supervisor. After a lengthy hold, I was connected with " XXXX. '' This was also a was of time... XXXX first tried to tell me I must've entered a number ( routing or account ) incorrectly. Wait, wrong, it's pretty obvious I entered them correctly as they were deducted from my external account ... in the end, I was told by XXXX that I would need to contact my OLD bank to have them trace it. HOW on earth would my old bank know what Bank of America did internally with the money? My old bank did their part, they paid the ACH which BofA sent thru, but they would have no clue what BofA did with the offsetting entry internally ( that should have credited my account ). 

I attempted to give them one more opportunity by wasting of my time today to call them. I did, and it was again a total waste of time. Today the supervisor ( yes, same today, rep then supvr ) tried to tell me ACH 's can take 3-5 days ... Yes, that might be true ( tho really, in this day & age ), but OK, I should STILL see it in my balance ( Ledger balance ), just not available balance... it's NOWHERE and NOBODY seems to know where it went!

I just want these accounts CLOSED ( with no early closing fees due to their ineptness ), and the money sent back to my old ( tho now again current ) bank account and I'm DONE with BofA.

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 2023-09-22
Company: MoneyLion Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I applied for a loan with money lion XX/XX/2023 for XXXX I was approved but never received funds and then on XX/XX/XXXX they claim I am behind on my repayment by XXXX. Please help

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: AMERICAN EXPRESS COMPANY
State: IL
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 received a rewards american expressed virtual pre-paid card on XX/XX/2023. It was for {$25.00}. In the cardmember info it says " Use at U.S. merchants that accept American Express Cards. '' I attempted to use at XXXX and it was declined. I also attempted to use it at asos.com and it was also declined. I called the customer service number listed on the card ( XXXX ) and asked why my transactions were being rejected even though I was spending less than the {$25.00} amount on the card. The representative stated that the amex card is unable to be used at XXXX due to security measures and did not offer any more explanation. I then asked for examples of retailers that would accept the card and he stated that he was unable to answer that question.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-22
Company: CITIBANK, N.A.
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was vacationing in XXXX and got a notification on my phone that there were suspicious transactions on my Citibank card. I called the day of the phony transactions and said they were not authorized but thought they were linked to an online transaction that I felt was sketchy and that I may have given them too much info. 
I attempted to make a purchase on XXXX  at XXXX and I received no online invoice until XXXX 
I then was suspicious that the site XXXX was a scam because they wanted access to XXXX for the amount of {$79.00} ; the amount that was authorized by me for camper parts. I do not have an active XXXX account and I waited hoping nothing would happen. I suspect they were hoping to get even more identity data from me by going to XXXX. 
On XX/XX/XXXX three fraudulent charges appeared on my Citibank card from a company called, XXXX XXXXXXXX XXXX XXXX, XXXX ( if you try this website it does not work/exist ; 1 Charge : {$48.00}, 2 charge {$130.00} ; 3 Charge : {$170.00} = {$360.00} ). 
I then received a letter on XX/XX/ from Citibank claiming that I authorized these transactions and that I would have to reach out to the merchant and Citibank told me the website XXXX is a valid website to contact. It is not! 

XXXX is located in an apartment complex at XXXX XXXX XXXX XXXX XXXX doubt it is real and I refuse to have any contact with them. 
I know I was scammed by them, I was trying to buy a rare camper part and they likely sold my information to someone who made the fraudulent charges on 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 monetary relief
Consumer complaint received 2023-09-22
Company: Navient Solutions, LLC.
State: NY
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:
Navient is completely covering up errors that representatives made providing misinformation that cause a negative hit on my credit report significantly impacting my credit score.

Completely inaccurate information. It was confirmed by a manager that it is documented and recorded that a representative from Navient advised me to MAIL in forms for consolidation and that they were sending me forms years ago and that was incorrect information. They have documented that they said they dont know why I was told that because there is no record of them mailing me forms but recorded and/or documented that they said that yet typo are acting like that was NEVER COMMUNICATED TO ME BY YOUR MANAGEMENT IN XXXX OF THIS YEAR. You are completely ignoring ALL the documented misinformation I received that was recorded and noted. You mention legal requirements but you are completely unethical if you are not even acknowledging what your own managers have acknowledged on a recorded line. You investigation is BIASED, INACCURATE, EXCLUDING PERTINENT INFORMATION THAT HOLDS YOUR REPRESENTATIVES LIABLE AND YOU REPEATEDLY BLATANTLY IGNORE IT. Your company represents the poorest of ethics and I conduct investigations and all findings should be included if relevant and ALL I HAVE SHARED HAS BEEN RELEVANT. This is an extremely poor representation of your department and this company as a whole. I completely believe you are intentionally creating hardship on people like myself and it is a gross representation of professional business practices! Extremely poor. Complete Misrepresentation!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: FL
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've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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: In progress
Consumer complaint received 2023-08-23
Company: Experian Information Solutions 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XX/XX/2022

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 2023-08-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-11-29
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Loancare LLC is currently down due to a cyberattack. It has been down for a month. There has been zero effort to communicate with folks like myself who are completely at their mercy. This is completely unacceptable. Even a severe cyberattack shouldn't take the company down like this.

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 2023-11-28
Company: EQUIFAX, INC.
State: IN
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 have been a victim of identity theft. There are several inquiries and accounts that were opened fraudulently that I didnt authorize. Accounts XXXX XXXX XXXX XXXX XXXX XXXX. Also In accordance with the Fair Credit Reporting act XXXX Account ( XXXXEquifax ) 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 non-monetary relief
Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
State: GA
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 reported to all XXXX credit bureaus that I had a paid service to remove all debt from my credit in 2018 and this was not done when I pulled my credit reports. I filed disputes with credit bureaus about this and nothing was done. They denied my request without properly investigating my case and I know they used E-Oscar system. They did not do a thorough investigation at all. 

XXXX  XXXX XXXX XXXX XXXX that were in my name not the one I am an authorized user on. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX The credit bureaus are in violation of Section XXXX of FCRA. 


Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
UPON REVIEWING MY CREDIT REPORT I SAW NEGAITVE INFO IN MY CREDIT 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 2023-12-14
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: Information belongs to someone else

Complaint:
I am writing to express my deep frustration and dissatisfaction with the many unsuccessful attempts to remove fraudulent items from my credit file. Despite my persistent efforts and cooperation, the fraudulent entries persist on my credit report, causing significant distress and adversely impacting my financial standing. 

I have previously submitted identity theft affidavits, police reports, and supporting documentation in my attempts to rectify these inaccuracies. Regrettably, it appears that the necessary actions were not taken to ensure the timely and accurate removal of the fraudulent items. 

The continued presence of these inaccuracies is not only affecting my creditworthiness but is also causing significant challenges in securing credit, obtaining favorable interest rates, and managing my overall financial well-being. 

I urgently request an immediate and thorough reinvestigation into this matter to expedite the removal of the fraudulent items from my credit report. I expect a detailed response within the exact timeframe acknowledging the receipt of this complaint and outlining the steps that will be taken to address and rectify the fraudulent items promptly. 

Failure to resolve this matter in a timely and satisfactory manner may compel me to escalate my complaint to regulatory authorities and seek legal recourse to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX Balance Owed : {$5100.00} Date Opened : XX/XX/2020 XXXX XXXX Balance Owed : {$5100.00} Date Opened : XX/XX/2020.

Company response to consumer: In progress
Consumer complaint received 2023-09-29
Company: Louisiana Recovery Services Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Louisiana Recovery Services continues to call me from spoofing numbers. I have asked them to verify the debt and I am cursed out. They last called XX/XX/23 at XXXX hours through a spoofed phone number. 

I inform them that I do not acknowledge the debt, it is not mine and they said " You will pay up XXXX XXXX or we will sue you '' They keep calling, ignoring my no contact order. 

Please make them stop.

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