BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-13
Company: EQUIFAX, 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 us 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 XXXXThis 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 XXXX XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Experian Information Solutions Inc.
State: PA
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:
On XX/XX/21 contacted Experian about an incorrect address on my credit report. They informed me they wouldn't remove it since one of my creditors ( XXXX ) was reporting it. Started a dispute w/Experian about the address ( XXXX XXXX, XXXX ) XXXX Was told it could take up to 30 days. 

Reached out to XXXX. The Representative ( ID XXXX XXXX ) refused to change anything, and falsely stated he could not see any information since sent to collections. Also repeatedly stated that was the only address XXXX EVER had and there was nothing he could do. I asked how/where they had gotten that address. Rep refused to give me an answer, or offer any proof to validate why this is on my credit report. He had none. Asked for supervisor. Spoke w/her she said she WOULD update my account to the correct address ( tix # XXXX XXXX, 3-5 days ). 

Finally got the dispute back from Experian, with the same address on there! They did edit it to say FL XXXX as well. Experian also claims they have no proof of this address either. How can this be reported, disputed, and still shows up on my credit report w/ZERO documentation given to the consumer as proof? After fleeing my home XXXX XXXX XXXX, now unable to find a new place to live for me and my son because of this address on my credit report. All w/out the XXXX and/or Experian showing any documentation to me at all. If there is verification I have the right to see it or know about it. I do believe this violates my credit bill of rights : " Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. '' This still hasn't been done, or any documentation shown.

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 2023-01-06
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Violation of law U.S. Code ( 1605 15 U.S. Code $ XXXX false and deceptive forms 15 U.S. Code 1635- right to rescission 15 U.S.Code {$1600.00} ( a ) - fraudulent authorized use of credit card ( XXXX  fine ) 15 U.S.Code 1605 - finance charge defined and what is all included 15 U.S.Code 1635 ( f ) - right to rescind after 3 vears if rescind paperwork was never furnished 15 U.S.Code 1635 ( b ) - right to rescind and keep the property 15 U.S.Code 1640 ( a ) - each violation is 2x finance charge 15 U.S. Code 1662 ( b ) -mixing cash with consumer credit transaction

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 I have the right to privacy. Under 15 USC 1604 Section 2 a consumer can not report a personal financial account without my approval. 15 USC 1666B a credit agency can not report my account as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
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 am writing this letter to dispute the inaccurate reporting of a charge-off account, XXXX XXXX Account XXXX XXXX, which is negatively impacting my creditworthiness and violating my rights under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit reports from both XXXX and Equifax, I discovered that the reported dates of last activity differ, with XXXX stating XX/XX/2020 and Equifax stating XX/XX/2020. Such conflicting information raises serious concerns about the accuracy and reliability of the reporting. Furthermore, I have reason to believe that the furnisher of this information, XXXX XXXX, is an unreliable source. Under 15 USC 1681 ( e ) ( b ) of the FCRA, consumer reporting agencies are required to ensure the maximum possible accuracy of the information contained in consumer reports. In addition, under 15 USC 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the completeness or accuracy of any information provided by a consumer reporting agency, the agency must promptly investigate the dispute and, if necessary, modify or delete the information accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I received a government ppp assisted loan approved by SBA. US bank received the funds from lender. The funds were made available by the ach department and available foe use I. My account all day. I went to the bank so that I could get a money order to pay Office rent. The branch teller required information about the loans which I gave. The teller placed a hold on the funds and put my account in the negative. Told me ach department had to verify the funds when in fact the ach department is the one who released the funds. I called customer service they were unsure why the hold was placed at the branch level but made available by the ach department. This practice of holding ach loans isnt listed in their fee schedule nor listed in the account. My loan was processed and approved by the sba government entity. I have payroll and office rent to finally pay but the bank wants to control the money. Us bank removed the funds from my account and I do not have access to the funds. They placed a 7 day hold which no one could explain why and was told to come back another day.

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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-31
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX account number XXXX has reported to Credit Bureaus ( Experian ) a debt in the amount of XXXX XXXX XXXX XXXX and XXXX Dollars as it states on my credit report, I did not receive any initial communication from XXXX XXXX XXXX, I do not know nor have any business with XXXX XXXX XXXX, XXXX XXXX XXXX failed to send initial communication causing a failure for me the consumer to not be able to dispute this account, they claiming I owe.

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 2021-12-06
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: Account status incorrect

Complaint:
I am filing CFPB complaint because the bureaus have not properly provided a reasonable response when I sent them a dispute via certified mail the DISPUTED ACCOUNT CHILD SUPPORT XXXX {$18000.00} Account numberXXXX Closed. I have asked them to validation, is account in collection, is it late or is it open or closed. Based on all the reports the account is not late and is closed. Why are they reporting otherwise. Additionally, my child is an adult and I am still helping him out. Please provide what right they have to collect under the fair credit and billing act? 

3 facts ( XXXX and XXXX report show different account name and balance ; Experian report show different account name, balance and closed ). Experian, XXXX and XXXX have violated my right under the FCR, FTC and Fair credit and billing act by inaccurate reporting on my Experian and XXXX credit report. Experian has a different account number and different account balance as shown here ( DISPUTED ACCOUNT CHILD SUPPORT XXXX {$18000.00} Account numberXXXX Closed ) while XXXX reported something totally different as show here ( CHILD SUPPORT Account Number XXXX XXXX Reported Balance {$18000.00} ). For your reference this case has been closed so why is it still on my credit report. Because of this inaccurate reporting you have hampered my financial future in obtaining financial readiness. Please delete this immediately. ) As a father, I take this seriously. My child is XXXX yrs of age and I am still paying {$200.00} per month to help my children. By law I know all information on the credit report must be 100 % accurate, with no errors and must be verifiable. I know these information are not correct. Please delete this immediately. I am currently working with CFPB to request their assistance in this matter. I wish to see the original sources of the information reported including, but not limited to, the original contract or agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. I have requested the Experian and XXXX to correct their mistake. I have attached Experian and XXXX reports to show the discrepancies.

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 2018-08-28
Company: CITIBANK, N.A.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit 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 filed a dispute with the credit card company in question regarding a purchase of a defective product. Credit card company supposedly investigated my issue in 2 days. I am not satisfied with the outcome of their investigation and requested and appeal to the decision. The bank in question is refusing to reopen the investigation so I can appeal their decision.

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 2023-05-07
Company: NAVY FEDERAL CREDIT UNION
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:
I called multiple time they didn't Wana help me as they should

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
From inception of my mortgage in XXXX through XXXX, XXXX and its mortgage servicers, including but not limited to, BofA, repeatedly committed a pattern of intentionally negligent misrepresentation forcing numerous years of litigation that should have been resolved via settlement agreement in early XXXX. Since such settlement agreement, XXXX and its mortgage servicers, including but not limited to, BofA, continue to repeatedly commit a pattern of intentionally negligent misrepresentation including but not limited to : - failure to provide timely mortgage statements - failure to provide correct accounting in mortgage statements- elder abuse through harassing XXXX year old family members about mortgages they were not a party to in any manner - failure to abide by terms of mortgage agreement - failure to update address - repeated pattern of violation of settlement agreement post multi-year forced litigation after repeated attempts to illegally foreclose on home - fraudulent representation of mortgage terms- intentional misrepresentation of intentional pattern of actions as errors - intentional failure to resolve pattern of intentional misrepresentations over multiple years while refusing to take any action to correct and initiate good faith business dealings Full documentation has previously been provided to XXXX XXXX representatives and is available again for production, per terms of fair resolution provided with receipt of payment for time already incurred to date averaging a minimum of XXXX from 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 2023-09-07
Company: Phillips & Cohen Associates, Ltd.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Phillips and Cohen associate, Ltd. 
i have requested debt validation from said company and i have yet to receive proper document to validate this alleged debt as provided by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: EQUIFAX, INC.
State: NC
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 am writing to dispute the minimum payment for this month. I would like to request to have the minimum amount corrected to reflect the exact minimum amount and entire balance. 

In XXXX of XXXX, I sent a payment to XXXX for the minimum amount required. Accordingly, I mailed this to XXXX before the due date ; however, the date the check posted was 1 day after the due date. Notwithstanding, I asked XXXX Customer Service if they could renounce the late fee for this month. I obtained a notification via chat regarding the late payment. This acknowledgement included proof that the late payment was waived. XXXX complied with my request. However, I noticed on my next month 's statement that the late fee had not been waived. I contacted the XXXX Customer Service Department to discuss the possible oversight. I asked about the minimum payment for XX/XX/XXXX. I also asked about the percentage for the minimum payment. The person I spoke with stated, " there is no set amount for the minimum payment each month. '' I did finally receive a statement for this month that just shows an amount past due and it's delinquent. The minimum amount should not exceed 3 % of the total amount for the principal. 

I disputed the trade line via Equifax 's online portal. However after 30 days, received notification that the amount shown was corrected but the trade line didn't show the correct monthly payment or balance. 

I would like to have the monthly billing statement updated showing the correct amount due per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: MS
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:
strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my 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 2023-01-27
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: Reporting company used your report improperly

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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: NAVY FEDERAL CREDIT UNION
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: Account information incorrect

Complaint:
The loan was established in XXXX a Charge card and the charge off is dated for the year of XXXX, which is not true and has been reported to all credit bureaus to remain on my credit report. In addition, payments towards this amount to have been made by me in XXXX, which I did not make. All these dates and information regarding this charge off is inaccurate, thus to not acknowledge the statue of limitation and to have it removed from my credit report according to FDCPA, which should have been years ago. I believe these dates are fabricated in order to prolong for my credit to remain in a low standing and to avoid the statue of limitation not to take effect. I have endured many years of unemployment due to sickness/injuries and other unforeseen circumstances to include the Pandemic as we all faced, which caused a financial hardship over the years and had hope to pay this debt but could not. Thereby, I did not receiving any information regarding a Charge-off ( XXXX ) or letters or knowledge of payments made by me when I was unemployed, all to continue to have this negative charge on my credit report. I ask for help to please rectify this deliberate error, for this is causing my name to be tarnished unfairly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: AR
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: Problem with personal statement of dispute

Complaint:
I disputed the validity of a debt. The company reported the debt as having been paid, when my dispute was that the debt ever existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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