BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-26
Company: Experian Information Solutions Inc.
State: CA
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 XX/XX/2022, to remove an account that is 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/block any account not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX  XXXX .... Balance : {$9300.00}

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 2022-09-19
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 have been disputing for the removal of the fraudulent accounts and information being reported on my Credit File. I started disputing the fraudulent accounts and information since XX/XX/XXXX and have been constantly sending disputed letters every month as well as submitting CFPB complaint. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information that were incurred due to identity theft. However, the Credit Bureaus have claimed that the disputed accounts were verified and belong under my name. I previously contacted the Data furnishers and inquired regarding the disputed accounts. They responded to me stating that the disputed accounts were indeed reporting reporting erroneous information in some way. I am submitting this CFPB Complaint to request to the Credit Bureaus to immediately remove the disputed accounts from my Credit File in accordance with the Fair Credit Reporting Act section 605b. I need the following items deleted 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 Also, the Credit Bureaus have been claiming that the disputed accounts were verified and yet they have failed to present me copies of proof of their verification which is a clear violation of the FCRA regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: LEXISNEXIS
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
On my driver 's history report pulled up by my insurance, it is listed that I had a traffic light or sign violation on XX/XX/2022, which is impossible since I was not living in the country at the time. I have tried calling LexisNexis multiple times but their automated answering system does not allow me to leave a message, only routes me to complain online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: MD
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be deleted from my file right away XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are numerous inquiries not initiated by me. Indication of a mortgage opened in XXXX of 2020 not mine! Someone is using my identity!

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 2022-09-19
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 have been disputing for the removal of the fraudulent accounts and information being reported on my Credit File. I started disputing the fraudulent accounts and information since XX/XX/XXXX and have been constantly sending disputed letters every month as well as submitting CFPB complaint. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information that were incurred due to identity theft. However, the Credit Bureaus have claimed that the disputed accounts were verified and belong under my name. I previously contacted the Data furnishers and inquired regarding the disputed accounts. They responded to me stating that the disputed accounts were indeed reporting reporting erroneous information in some way. I am submitting this CFPB Complaint to request to the Credit Bureaus to immediately remove the disputed accounts from my Credit File in accordance with the Fair Credit Reporting Act section 605b. I need the following items deleted 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. Also, the Credit Bureaus have been claiming that the disputed accounts were verified and yet they have failed to present me copies of proof of their verification which is a clear violation of the FCRA regulation.

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 2022-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I deposited a govt issued covid 19 rent relief check from XXXX in the amount of {$21000.00} through a bank teller in person at Bank of America in XXXX XXXX XXXX I was issued a deposit receipt stating the first {$5300.00} would be available XX/XX/XXXX and the bal on XX/XX/XXXX. The following day I received an email advising a 10 day hold due to check specific information indicates item may be returned. At the time of deposit, I had a positive bal and absolutely no history of bouncing checks or negative bal. Ive consistently maintained a positive bal for 5 years and have a credit card never late and a 3.2 % auto loan with the bank. Also never late. Bank of America is in violation of the XXXX XXXX act and Regulation CC. When I asked the bank the reason for the hold, I was lied to several times. I was told I have a consistent history of bouncing checks and that regulation cc allows for extended holds on govt checks. The bank is still holding my 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 explanation
Consumer complaint received 2022-07-27
Company: GOLDMAN SACHS BANK USA
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My credit card account was sold from XXXX XXXX to Goldman Sachs. After the transfer, my auto payment had to be set up with the new company. I attempted to do this on their website multiple times, and got a confirmation page each time and in the meantime began to receive notices that my payment was past due. They have reported two payments in XX/XX/2022 showing a delinquency of more than 30 days. I asked them to remove them due to a system error that caused my payment to be late and they said they would not. Prior to XX/XX/2022, there has never been a late payment on this card and I have held it for over six years. 

Additionally, their system is unreliable. On XX/XX/2022, I was unable to access my account on their website, app, or by phone. My XXXX payment was due on the XXXX and there was no possible way for me to pay it. I paid it on the XXXX when I was able to and they canceled that payment without reason and applied a {$29.00} late fee to my account. On the XXXX, I phoned them to correct the payment and late fee and they declined to do either. 

This company is run poorly, behaving unethically, and offering no resolution to the problems they are creating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
capitol one is damaging.my credit with account # XXXX they are reporting Account charged off. {$10000.00} written off. {$10000.00} past due as of XX/XX/2023. they took me to court in XXXX XXXX Florida and was dismissal. see attachment. sowing {$0.00} balance but them they are reporting. in my credit and balance this is not ok.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: GOLDMAN SACHS BANK USA
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This complaint involves my XXXX XXXX credit card with Marcus by Goldman Sachs. ( XXXX  ) My credit score typically varies between XXXX and XXXX. That means that I take paying my bills on time very seriously. 

My bank is XXXX XXXX XXXX XXXX, and it contracts with XXXX to service its members online bill payments. 

All of my payments to XXXX, when {$470.00} or less, per my online bankings website, shows that theyve been made electronically. I confirmed this with XXXX, i.e., all but one payment have been made via electronic check. The one payment that was made via actual check was a payment in the amount of {$780.00}. Per XXXX, because this amount was over some unknown limit allowed by XXXX, they had to mail a physical check to XXXX. XXXX notates for customers on their online banking page with an icon next to the payment, showing whether payment was made via check ( paper, via mail ), or electronically. 

Its worth nothing that this limit amount only applies to XXXX. Another of my credit cards, a XXXX XXXX XXXX, has received payments from me as high as {$7700.00}, and they show that they were paid electronically. 

The {$780.00} payment to XXXX was due on XXXX XXXX, XXXX ( I actually only owed {$770.00}, but elected to slightly over-pay ), so when I set up the payment through my online banking with XXXX, I chose a payment date of XXXX XXXX in case it took longer than 2 days for XXXX to process the payment. However, because I didnt know XXXX was going to require a physical check ( since I dont know the mystery limit amount ), it took much longer than expected for the check to be processed. XXXX says they mailed the check out on XXXX XXXX. However, XXXX didnt actually credit my account for the {$780.00} until XXXX XXXX. This meant that the payment was late and I was charged a late fee and had to pay interest on the balance. They were kind enough to reverse the late fee when I called, but only after I asked to speak to a supervisor. However, the even bigger issue to me that a payment has now been made late can not be changed. 

Wanting to make sure this never happens again, I need to find out what dollar amount is the limit upon which XXXX requires the payment be made via check, and I have never been able to get an answer. I have asked to speak to supervisor after supervisor, and no one can answer this question. In fact, today ( XXXX XXXX ), after waiting a week for a callback, I spoke with supervisor XXXX, and I was told that XXXX accepts NO electronic payments and that ALL payments are made via actual checks through the mail. That was it for me. I informed XXXX that I was going to file this complaint with CFPB, and I hoped that he was comfortable with what he had told me, and he assured me that he was.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
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'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX Balance : {$40000.00}

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 non-monetary relief
Consumer complaint received 2022-11-26
Company: Trident Asset Management, L.L.C.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2019 an account from XXXX  XXXX XXXX XXXX XXXX for {$730.00} was opened but due to hardship from Covid-19 I reached out about payment options but nothing was extended to rectify this account. I reviewed my consumer report and notice it is reporting major errors. How can the account status report open/closed at the same time and it is showing late 120 days and it is now charged off? This does not seem right at all. 

The debt collection company name is Trident Asst but the original creditor is from XXXX XXXX XXXX XXXX XXXX. I am doing what I need to get this account rectified but they are stating verified but no actual proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: CURO Intermediate Holdings
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: Account status incorrect

Complaint:
XXXX XXXX i disputed this creditor- AD ASTRA REC, XXXX XXXX XXXX  The date opened on all 3 credit bureaus is different and the " last active dates are all diffeent on all 3 credit bureaus. I have requested for proof of the validity of this account, to include signed contract and correct date opened and proof of last active date. I have also requested all 3 credit bureaus have the same information. Each dispute was resolved without proof and consumer responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ
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 haverepeatly denied credit accounts due to information they pull from the three major credit bureau illegally. Under privacy act they dont have scores or have wrong information on my reports and will not provide the evidence of such debts experience has no score and debts not mine has for years equivalent I can not access and they charge to do so identity theft and they do not provide protection they advertise false advertising. When dispute they have the bank or debts investigate the dispute and it never gets corrected major fraudelent schemes third party verification illegally unauthorized coming from Arizona

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 2022-08-22
Company: Experian Information Solutions 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:
CFPB + Experian + XXXX XXXX XXXX XXXX, On a recent review of my credit reports I discovered your company pulled my credit on Experian without my written authorization on : XX/XX/2021 I request that you mail me a copy of my signed authorization forms that gave you the right to view my credit within 5 business days of receipt so that I can verify its validity. 

If you can not provide me with proof that I authorized to view my credit report, then I am demanding that you contact Experian immediately and have them remove the unauthorized hard credit inquiry. 

Please send me a written confirmation that you have complied with my requests. 

I fully expect this unauthorized credit inquiry to be removed from Experian immediately as you will not find my written authorization as I did not give it. 

Your failure to act will be this matter being referred to the Attorney Generals Office. 

I can be reached at the mailing address on this letter and expect this resolved within 30 days or less of receipt. 

Thank you for your attention to this urgent matter. 

Attached to this complaint are : - copy of drivers license - copy of social security card - copy of address - snapshot of unauthorized credit pull

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 2022-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX Capitol One XXXX informed me my account was closed and they would not tell me why told me a check will be mailed to me. On XX/XX/2022 a rep told me my check would be mailed out the same day nothing happened also told me it was going into another account that is not mine. On XX/XX/XXXX nothing has been done spoke to XXXX number XXXX told me they have yet to close my account and i could be looking to XXXX before i see anything. Still, give me no reason why. I feel i should not talk to 3 different memebers and get 3 different answers i have XXXX young girls and now have no money for school lunch.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TMX Finance LLC
State: AL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
Paid half of the vehicle loan off 2 or 3 months before they repossessed the vehicle and my balance was XXXX. I was not given any information about the sale or auction of car. I received a letter stating that my vehicle was repossessed and I now owe more than XXXX but was not told what they were going to do with the vehicle and when. They did not give me any options for getting my car back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: NY
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:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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