BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-21
Company: EQUIFAX, 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:
i have submitted several complaints to you agaisnt equifax on XXXX to remove inquiies that arent mine as well as collections, i got a notce today that they fished the investagation on their website, but i have claim # XXXX that was submitted XX/XX/XXXX were they stated they were deleting said inquires then today the investagation stated they are accurate which is not true and harvest XXXX collections I have sent them certied valation letter requesting some proof that i signed this never recieved anything from XXXX XXXX until now but equifax states its accruate they arent doing there job

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
Good Afternoon, On multiple occasions ( too many to remember dates ), I have contacted Experian regarding inaccurate information on my credit report. On each occasion, I would get generic letters reporting the information was " verified '' and it will remain. On each occasion, I have requested the submissions of the documentation used to verify the investigation and do not receive a response. 

I later went through other sources to have my request reviewed. I went through XXXX XXXX. XXXX is a provider of bankruptcy information to Experian. Through XXXX 's " two investigations '', they could not verify the report 's accuracy or the information they have and submitted me a letter on letterhead documenting that it was removed from the file ( Bankruptcy Case # XXXX ). 

I later submitted this same information to Experian for review ; once again they have failed to acknowledge " documentation '' from their own provider source. 

Therefore, Im requesting your company 's assistance in this matter. 

No, Im not submitting any additional documents, address, phone numbers, social security, letters or etc. You should already have that information ( Experian ). I need copies of the documents you claim to use to verify for review only.

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 2023-05-17
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
All named XXXX, XXXX XXXX and Experian are in violation of compromising the principals information and also the cfpb for breach of information, their breach have casued ..... 
1. Reporting information that is not metro 2 compliant 2. Information that is fraudulent 3. THe illegal reporting of the Principal XXXX XXXX The report is filled with incorrect addresses, incorrect socials, and incorrect payment history, balances and more, Their reporting has taken longer than 30 days THe most important violation is that non of their employees know that the company they work for is a private company that uses codes and statutes as a cloak for authority. There are no laws that say they have the ability to report on anyone and their employees refuse to remove information. So now I bring this as actual and constructive notice of a lawsuit filed XX/XX/23 for account 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 2021-03-03
Company: PNC Bank N.A.
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: Account status incorrect

Complaint:
I contacted PNC Bank and requested COVID payment deferred payment. I made the request online. But also called as well and was verbally advised that the personal loan was fine under the deferment. 

A few days ago, I received a notification via XXXX of a 30 day late reporting. My FICO credit score dropped 78 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Experian Information Solutions Inc.
State: SC
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:
In accordance with the Fair Credit Reporting Act, the following accounts has violated my rights. Security fin account # XXXX XXXX, XXXX, XXXX, XXXX, XXXX. XXXX  account # XXXX. XXXX XXXX account # XXXX XXXX XXXX account # XXXX & XXXX. 15 U.S.C. section 602 A states I have the right to privacy. 15 U.S.C. 1681 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c ( a ) ( 5 ) section states no consumer reporting agency may take any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate

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 2022-10-26
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX XXXX XXXX Account XXXX Open/closed Date opened : XX/XX/XXXX My rights were violated by company XXXX XXXX of XXXX XXXX SC back XXXX XXXX. This company was misleading to new consumers and being dishonest on their scheme of obtaining new customers to purchase vehicles. It wasn't ' until it was time for me to make my first payment when I realized I was deceived. The payment that they told me I would pay in office was different from the amount the finance company XXXX XXXX XXXX sent to me through the customer portal. Upon learning of this information I immediately tried to get out of the car. I was sold a XXXX XXXX XXXX but could not afford the payments, but the payment that they went over in the office with me was affordable. The finance guy with XXXX XXXX originally told me that my payments would be $ XXXX  monthly, but XXXX XXXX showed that my payments were over $ XXXX  monthly. I went to talk to the owner because I knew that I was conned .I also made the finance company XXXX  XXXX XXXX XXXX the dishonest process, but they just blew me off. They had recollection that XXXX XXXX was doing this to several other customers because they had been business partners for several years. It was in XXXX of XXXX when I asked XXXX XXXX to come pick up this vehicle as doing a Voluntary Repossession because the payments were unaffordable. The car sat at XXXX XXXX where the car was purchased from until the middle of XXXX XXXX XXXX XXXX intentionally didn't pick up the car until then so that they could report missing payments on my credit report. XXXX XXXX had continued selling cars until they went out of business in XXXX. I am glad that this company has went out of business, so that they won't be able to make anyone else life a nightmare as they have done mine. They're had been several complaints against XXXX XXXX prior to their closing for the lack of honestly, creating false and inaccurate documents with several customers. I have been a victim of a company who obtained business with misleading, dishonest and criminal intentions. 

I am asking for this account to be removed permanently from my credit report. This is still negatively impacting my ability to improve my credit to a higher score in hopes of being able to one day purchase a home and buy a brand new car. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Experian Information Solutions Inc.
State: NY
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:
In XX/XX/XXXX I opened a dispute with Experian about my student loan from the Department of Education. This Loan was Opened on XX/XX/XXXX in the amount of XXXX. 

I made a dispute with Experian in XXXX about having the account removed but was unsuccessful. In XXXX of XXXX, the account was refinanced - along with other student loans- into a new account. However, the US DOE Reported that the Account was in Collections in XXXX of XXXX, which was completely false. In addition to the false report, it has been well over 7 Years from the Opening date, and should no longer appear on my credit report. This is having a negative impact on my score which is unfair being that the account has a false report, and is very old. I tried to submit a XXXX dispute with Experian on XX/XX/XXXX, but Experian denied to request because I made a prior dispute. This is unfair and damaging to my credit report. 

The Fair Credit Reporting Act prohibits Credit reporting agencies are obliged to delete inaccurate, incomplete or unverifiable information.The Fair Credit Reporting Act prohibits background screening firms from reporting any arrest record or adverse non-conviction information older than seven years.

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 2022-10-26
Company: Experian Information Solutions Inc.
State: PA
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX 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 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 2023-11-16
Company: EQUIFAX, INC.
State: TX
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 at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: FREEDOM FINANCIAL NETWORK
State: PA
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Didn't provide services promised

Complaint:
I enrolled in FDR XX/XX/XXXXXXXX  and have sent them a total of {$7300.00}. I enrolled two cards, with the balance of both card totaling {$29000.00}. I was originally told we would be done paying in XXXX and now it states XXXX. I first got a settlement offer on my XXXX XXXX XXXX which I authorized had been making monthly payments on it for what I thought was the last year. However I noticed today when I accepted the settlement for my discover card it was no longer under as being paid on and it was still pending. So of course I call them. They told me I had missed one biweekly payment a few months back and they cancelled the settlement ( which they never made me aware the settlement was cancelled and I was paying toward nothing ). Okay so I asked where did the {$7300.00} I sent you the past year go. They then told me $ XXXX went to their fees and $ XXXX went to the credit card. I asked if the settlement was cancelled where is the XXXX XXXX and they told me the creditor has the right to keep it and cancel future monthly payments and that they need to renegotiate. I then asked to cancel and they told me I need to call back later and they cant do it now. So because I missed one biweekly payment the entire settlement was cancelled? But they had enough to collect XXXX XXXX of fees? I would like the XXXX XXXX of fees back since the settlement did not go through nor was I made aware it was cancelled. All communication from this company was unclear and shady. I contacted XXXX XXXX to verify they received XXXX XXXX from me and they stated they did not recieve XXXX XXXX as FDR said they did they only received {$2100.00}, meaning out of the {$7300.00} they pocketed {$5100.00} for a service they didnt even provide and were completely deceptive about! I will be seeking a {$5100.00} refund of the fees as they were charged to me for a settlement that was cancelled without my knowledge. 

Also when I called I had {$550.00} in my account balance and they refused to refund it because they were going to keep it for fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: REGIONS FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I opened a HELOC line with Regions Bank mortgage ( Regions Mortgage XXXX XXXX XXXX XXXX, XXXX XXXX ) in XX/XX/XXXX. I wanted to complete the closing process of the loan at the bank located in XXXX but their loan by phone associate XXXX XXXX insisted I close it at my home since there was no notary available at two different branches I offered to close in XXXX. Finally, when I closed the loan, I wasn't informed about the recapture fee or any fee that would be payable if I terminate the HELOC account before 24 months of opening it. I specifically stated to their Loan by Phone mortgage consultant XXXX XXXX that I am opening the HELOC line just as a backup and I am planning to sell the home soon. Never during the HELOC opening process, I was informed about any recapture or prepayment penalty that would be applicable if the line was closed before 24 months. I would have never opened a HELOC line in the first place if I was told about the recapture fee since I was planning to put the home on market and had informed the same to XXXX over the phone. On XX/XX/XXXX, I visited their branch at XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX to terminate my HELOC account since I was planning to sell the property and needed the account closed. I was absolutely shocked to hear that I have to pay {$970.00} for lien release to close my HELOC account that had XXXX balance and no activity since opening it. 

I would request consumer finance to take strict action against this bank 's unethical and incompetent employees who never explained any fees would be charged if I decide to close my HELOC account. Regions Bank 's Loan by Phone Department just wanted another mortgage customer added to their accounts. I reached out to Regions Customer Service team several times and they were unable to close my HELOC line without payment of {$970.00} fee. My resolution of this complaint would be waiver of {$970.00} recapture fee for lien release and closure of my HELOC account/line which has XXXX balance as of XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
XXXX XXXX bank : Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-09
Company: CITIBANK, N.A.
State: WA
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:
Hello, My billing statement does not make sense. It says my mininum payment is {$150.00}. If I pay only the minimum payment, it will take me XXXX  years to pay it off. The next line states that if I pay {$140.00} a month, it will only take me XXXX  years to pay it off. How is that if I pay less the minimum payment it will take me less time? I have called, emailed, posted on social media to deaf ears.

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 2022-12-07
Company: GOLDMAN SACHS BANK USA
State: AK
Product: Credit card or prepaid 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 sent a letter to Goldman Sachs/Apple Card requesting information about my account AND a letter stating that in accordance with 16 CFR 313.2 - 7, 15 USC 6801 - 6805, the Fair Credit Reporting Act, and The Privacy Act of 1974, as a federally protected consumer, I am exercising my right to opt out of any and all authorizations that I, the consumer, may have given to report my information to a third party ( i.e., credit reporting agencies, etc ). I rescind all consents given to any company in written form, unwritten, verbal, or non-verbal effective immediately and indefinitely. This was after I received an online statement stating that I owe them a debt in the amount of {$1700.00}. I explained to Goldman Sachs/Apple Card that I conditionally accept their offer to pay this account in full upon proof of lawful claim pursuant to 12 CFR 1026.13 ( a ) ( 5-6 ) and 15 USC 1666 ( b ) ( 5-7 ) and with their assurance that they will accept payment in direct and immediate exchange for the ORIGINAL instrument of indebtedness in its ORIGINAL form. I requested this documentary evidence of accounting pursuant to 15 USC 44 for all accounts in connection with me in order to address thee billing error for the account in question. I need clarification about how much is owed according to the journal and ledger entries from the date of opening of this account as described in IRS publication XXXX as the XXXX on the public side and on the private side showing accounts receivable and accounts payable ( XXXX  ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24
Company: EQUIFAX, 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:
This is my OTHER 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, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX  : {$0.00} ; XXXX  XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX  : {$12000.00} ; XXXX XXXX Balance : {$290.00} ; XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$5000.00} ; XXXX XXXX XXXX : {$700.00} ; XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  : {$1000.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation