BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-06
Company: EQUIFAX, INC.
State: OH
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 requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: MicroBilt / PRBC (formerly CL Verify)
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:
MicroBilt is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

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 2023-06-22
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX DEBT COLLECTION COMPANY IS REPORTING ON MY CONSUMER CREDIT REPORT WHICH IS IN ACCURATE. I AM ASKING THEM FOR AN AUDIT TRIAL OF BALANCE TO PROVIDE ME THE AGREEMENT THAT GRANTS THEM AUTHORITY TO COLLECT THIS ALLEGE DEBT. ALSO PROVIDE ME THE MASTER BILL OF SALE. 

ACCT # XXXX ACCT # XXXX ACCT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: American Collection Systems, Inc. (OH)
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/21 at approximately XXXX am I was contacted by a XXXX from a phone number that is unlisted. XXXX went through the usual dialogue with collection that is required by law and informed me of a debt that was owed. 

When he completed the dialogue I requested that I only be informed by mail, no more phone calls. XXXX XXXX stated that a letter was already sent and said an address quickly. ( Not even confirming mailing address. ) When I again requested that I be informed by mail and no phone calls he got angry and stated " I'll document refusal to pay and mark this delinquent. '' When I tried to state that I wasn't refusing to pay he started talking over me and then proceeded to hang up on me. 

I tried to call back 3 times from my cell phone to rectify the situation in which XXXX kept forwarding my phone to voice-mail after one ring. 

I had to call back on my husband 's phone. ( XXXX am ) When answered he said " why do you keep calling back ma'am? '' I asked why he was hanging up on me and he stated " basically you're not gon na pay back your debt. '' I corrected him and was stating I wanted him to make note on my account. He further stated that I was not going to pay my debt. ( He then stated that he was on a recorded linel He also stated in the conversation " I'm not required to be professional. I'm just required to do my job " further discussion entailed with me asking why I was hung up on and if he notated my account which I did not get an answer. When I asked what company he worked for he stated " have a good day. '' The only reason why I figured out which company is by remembering he said XXXX in the first call and I had to XXXX search to find the company in my area and found the real phone number to the company. I called and spoke with a secretary at XXXX at phone number XXXX confirming that a XXXXy works there, when asked if he is in a supervisor position I was informed he was and that the other supervisors are out until after XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-31
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Due to LVNV founding company uptain my personal information from XXXX XXXXXXXX XXXX XXXX XXXX baught my personal information to untainted money unlawful activity an to damage my credit report history with proving identification card writing agreement from XXXX XXXX or a full disclosure reported false information should been reported on my XXXX report an XXXX XXXX  is already removed from my credit report LVNC founding still trying collect money from me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
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: Account information incorrect

Complaint:
XX/XX/XXXX of 2022 I submitted a dispute with XXXX 's National Consumer Assistance Center regarding account XXXX XXXX. This account has been reporting inaccurately for almost two years now. Every time I try to dispute this account, XXXX update the account with new information and the information that's being updated is still inaccurate. According to the FCRA, I have the right to an accurate credit report and this account has been a burden in my life because of the way the account is being reported. It's been reporting inaccurately for almost two years now and it's continuing to be updated with inaccurate information. This account is also being reported inaccurately across all three major consumer credit reporting bureaus. XXXX along with the other two credit bureaus Equifax and XXXX is violating my rights. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was targeted with a XXXX to upgrade my current credit card. XXXX had no information and no disclaimer than an annual fee would be associated with the new card. I accepted the offer and shortly after received an e mail advising they inadvertently didnt include the annual fee on the advertisement and if I was charged it would be waived. I was billed for an annual fee.. Ive called over 15 times and was just told to wait for reimbursement per the e mail. I didnt want it to report to by credit so I paid but only after also assessing a late fee on the annual fee balance. I was told Id receive both back only I never did. Most recently I called and spoke to a XXXX who refused to transfer me to anyone above her. She advised there was nothing they could do and they had no idea why I received the e mail advised my annual fee would be waived.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-18
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent.

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 2023-06-22
Company: EQUIFAX, 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 called your department after I purchased a credit report with XXXX XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that his was COLLECTION account on my credit report. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. XXXX of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with this account listed below, so please help me remove this collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX  XXXX XXXX Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with XXXX for free. 

This is the third time they sent me this letter. XXXX continues to ignore my letters.

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 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-05-18
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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2021-12-23
Company: Flagstar Bank, N.A.
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had hail damage on my roof in XXXX NM in XXXX. The insurance company provided me checks for air conditioner replacement and for roof replacement. Flagstar Loss Draft department refuses to endorse the checks and forward me the insurance money so I can pay my contractors. I researched them on XXXX  and found they are doing this to tens of thousands of customers. I believe they are trying to keep insurance claim checks for themselves instead of endorsing and returning to their customers. I have had to contact them over 35 times and I get a different agent every time and a supervisor is never available. This appears to me to be way more than just incompetence and looks like a premeditated plan to keep insurance money. Consumers need protection from predatory practices and this looks like a prime example. It is now XXXX time and at this point I do not know how I am going to be able to get my insurance money back from them and pay my contractors.

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 2021-06-02
Company: PNC Bank N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
XX/XX/XXXX - payment of XXXX was made XX/XX/XXXX - said payment was returned ( was NOT notified until XX/XX/XXXX that the payment was returned ) XX/XX/XXXX - Credit card by PNC bank SHOWED that I had XXXX of credit. 
proceeded to use the card during the month. 
XX/XX/XXXX - after 24 days notified that the card was over the credit limit. 
XX/XX/XXXX - credit card revoked for being over the credit limit XX/XX/XXXX - spoke to PNC credit card department - XX/XX/XXXX - payment of XXXX to settle the credit card made. 
XXXX - spoke to PNC CC department / manager to resolve the issue. PNC would not reinstate the card or give an answer why it took 25 days to notify me of the payment not going through. PNC takes NO responsibility for their actions. 
XXXX - spoke to PNC Audit department - revoked due to the payment being returned and spending habits. deemed too risky. 
XXXX - seeking to " pull back " the most recent payment of XXXX - if I can't use the card might as well put the XXXX to use elsewhere and just pay down the card gradually. 
I might pay XXXX back but certainly the XXXX can stay in limbo. 
NOTE : PNC should take responsibility for NOT notifying the consumer ( ME ) of the payment not clearing in a sufficent amount of time. They need to take responsiblity of anything over the credit limit since THEY / there systems did NOT reflect the the balance correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
When Best Buy changed its reward program to only be given if someone had a Best Buy credit card, I responded to the offer of 15 % back on your first purchase when opening a Best Buy Card. I opened a card in approximately XXXX of XXXX and subsequently spent {$4300.00} on a single invoice. I should have had {$640.00} in rewards or credits. I have spoken with numerous people, spent over XXXX hours on the phone on multiple occasions first being told that the credit would come 60 days after purchase, then when it did not and I called they said it was 90 days, then called again and an investigation was opened. It is 6 months now and I still do not have a credit, I have a reference number from where this should have been credited on XX/XX/XXXX of XXXX. This is FRAUD to offer a promotion solely for the purpose of having people open up credit cards then not deliver the promotion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24
Company: Experian Information Solutions Inc.
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:
On XX/XX/2019 XXXX discharged my student loans and directed XXXX to remove my student loans from my credit reports. However, when I contacted XXXX they stated they do not service my loans and have no information on the loans. I contacted XXXX and XXXX informed me XXXX does service the loans but on the back end. I informed XXXX of this information and was told to submit a dispute through the credit bureau. When I did this the credit bureau stated that the creditor verified the information as correct and therefore refused to remove the information from my credit reports despite me giving them the letter from XXXX stating I am no longer responsible for the loan per its response to the CFPB.

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 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and listed on my credit report XXXX XXXX Balance : {$250.00}

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 2023-06-14
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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX  OXXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX Balance : {$570.00} ; XXXX XXXX XXXX XXXX Balance : {$770.00} ; XXXX  XXXX Balance : {$500.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
if they XXXX XXXX can put in the comment area of their report that creditor did not ans health ins inquiry, and that's why its not getting paid. 

XXXX XXXX car had gap and was not paid

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 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I checked my credit report and I noticed that I have 2 derogatory accounts and a bankruptcy on my Transunion and XXXX reports. The problem is that they aren't reporting on my XXXX report and the information isn't accurate across all XXXX credit bureaus. I've contacted the bureaus back in XXXX and they did nothing to resolve the problem.

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