BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-30
Company: EQUIFAX, INC.
State: TN
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20
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:
I just recently updated my report and I noticed there are several items that reappeared on my report after being deleted several months back. How is this possible? This has caused me to stress out because I was in the process of home buying and now I have to push back and find another place until this is corrected. Im sure my information was impacted by Equifax data breach so this had to be an error but this error occurred at the wrong time. Ive reached out to the bureaus but obviously they keep givng me the run around. I need this problem solved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
It was brought to my attention by other people that Citibank has overcharged interest and other fees on many of their cards, including store cards. Also, Citibank was the guarantor of the student loans and we were charged interest and fees for making phone payments. I am trying to look into this matter and see where it has affected me, and my spouse, since we carried several Citibank cards, store cards and years with them on my spouses student loans before they transferred them to another company. He had the student loans with Citibank for several years and had submitted all required information to them on the Service member civil relief act but no action was taken by Citibank on this matter.

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 2017-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XXXX XXXX, 2017 I called Collection agency : XXXX XXXX XXXX. I had informed the Collection agency that I do not feel that I should have to pay a debt to a collection agency that I never signed a contract for. The collection shows on both my XXXX and Transunion Credit report. I filed a dispute with all 3 credit bureaus and it has been recently removed from my XXXX credit report. I would like for the collection account to be removed from my Transunion and XXXX credit report. It is very hard for me to lease an apartment or house in my name due to this account showing on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: WAKEFIELD & ASSOCIATES, INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a " XXXX '' call at XXXX this morning. No associated phone number. I didn't answer. Message left was that I owed a debt and should call Wakefield and Associates. Only debt I have is monthly credit card which is paid in full each month, usually within days of charge appearing on account. 

I called Wakefield. First person I spoke to - XXXX- said " oh, well then don't worry about it ''. I asked why I was called if there was no debt owed. " I don't know. '' Asked to speak to supervisor. Told I could call some number. Said I didn't want to call some other number - I wanted to be transferred to a supervisor. Transferred to XXXX. XXXX asked for my SSN. Told her I didn't want to provide SSN b/c the entire situation seemed like it might be a scam. Said I could provide my name and she said that would be sufficient. Gave her my name. She paused, purportedly to look something up on a computer, and said she didn't have anything under that name. I asked why I was called if there was no debt. She said she didn't know. Asked to speak to her supervisor. Call disconnected. 

Called back. Reached XXXX. Asked about purported debt. She said she couldn't help me. Asked to speak to her supervisor. Call disconnected. 


As an aside, your form for submission of a complailnt only contemplates circumstances in which there is or was a debt, as opposed to situations like this one where there is a fraudulent effort to collect a purported debt that does not exist ( and has never existed ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
On XX/XX/2018 I was involved in a car accident where it was decided as a total loss. My insurance provider then began the process to pay off the lien holder { Navy federal credit union ). The cash value determined of my car by my insurance company was XXXX leaving a balance of XXXX on my auto loan. I then opened a gap claim with navy federal being I had paid for it when I opened my auto loan with Navy. After reading over the disclosure statement it gave details that navy is to pay 150 % of the cash value towards the balance, also stated in the disclosure their is an example given on how the process works. 

Navy refuses to apply the full 150 % to my balance, leaving me responsible for 727.00 ( est ) balance. I was told Gap was to cover the balance left on my loan and that is not what the service is providing. This service comes off as fraudulent because what they are paying towards the balance is only a little over 3,000. that is below the 150 % stated to be paid via the disclosure agreement, it would seem they are only paying the remainder of XXXX being XXXX was paid also the check was in the amount of XXXX, so do I even get money back being they not including the full check amount? This is not what is being advertised or even disclosed in the agreement. 

I am waiting to hear back from a supervisor being every representative could not fully explain why their process contradicted the disclosure statement, and why they are not going to apply the full 150 % themselves to the remaining balance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Experian Information Solutions Inc.
State: CA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2023-10-04
Company: EQUIFAX, INC.
State: MN
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:
In accordance with the fair credit reporting act the creditor " XXXX XXXX XXXX '' violated : 15 USC 1681 section 602 Right to privacy 15 USC 1681 section 604a section 2 A credit reporting agency can not furnish an account without my knowing.

15 USC 1666 B A creditor may not treat a payment as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/2022 I submitted a complaint with the CFPB ( case # XXXX ). In this complaint I noted that an account being reported was incorrect and it needed to be investigated and deleted due to incorrect information being reported. On XX/XX/2022, Equifax responded to my complaint stating that I would receive information from them after they received it from the furnisher regarding this account. To date, I have not received any information or communication regarding the status of this account or any information proving that this account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello, My name is XXXX XXXX and I seem to be having an issue with Synchrony Bank. See I have 2 accounts with this bank. One is a Care credit card which the bank dropped my credit limit from XXXX to just {$100.00} without notice. When I request to have the card close since I don't have a balance and the card was paid off 2 years ago. The bank customer service department tried to use every excuse possible. To prevent me from closing the card. Is that even legal? Also, I have a second card with Synchrony bank, an Ashley 's furniture card. Which the bank close again without prior notice with an outstanding balance. When I attempted to settle the account for half of the balance. I was decline, again by their customer service rep. I really do believe that your bureau along with the US government need to look into the business practices of this bank. I've also forwarded a copy of this letter to my state 's senator office. So that they can take a look into this bank 's business practices. Even during hard times this bank is not willing to work with their customers. Instead, you are bombarded with weird captions demanding payment. Which goes against their core values of Synchrony Bank? The last time I formed a complaint against this bank with your bureau. The rep response was very rude and rigid. In other words, she wasn't willing to work something out with me to resolve the issue. This is by far the worst bank in the US, and base on their business practices. I can foresee Synchrony bank shutting down or filing for bankruptcy before the end of the year.

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 2021-12-20
Company: Professional Placement Services, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PROFESSIONAL PLACEMENT SERVICE has failed to validate an alleged debt after submitting a written affidavit requesting validation via certified mail. They have infringed on my private information as well as my infants private information including medical record number and date of a major XXXX. This is a major HIPPA violation because I have never done business with PROFESSIONAL PLACEMENT SERVICE yet they have attached a false medical debt to my consumer reports defaming my reputation, name and brand. I have never signed a contract with this corporation & have no idea how they gained access to our personal private medical information. They have committed identity theft according to federal law and have given me health and marital problem due to their illegal tactics. My request has gone ignored for a month now & I am enforcing the law. A final notice of default has been sent to the company via certified mail. Complaint is also being forwarded to HHS.gov.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: Experian Information Solutions Inc.
State: IL
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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONSE.

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 2019-03-22
Company: Experian Information Solutions Inc.
State: NV
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:
Application Status To check the status of your pending application, please enter your Application ID and your Zip Code and then select Continue. 

*Required Field *Application ID : XXXX *Zip Code : XXXX Cardmember : XXXX XXXX XXXX Application Id : XXXX Add XXXX to your address book to ensure delivery. 

Your XXXX Credit Card Application Status Your XXXX Credit Card Application Dear XXXX XXXX XXXX : Thank you for applying for a XXXX credit card. Your application for the XXXX XXXX was received on XX/XX/2017. 

We are currently processing your application and will be in touch within 1 week. We look forward to the opportunity to serve you. 

To check your application status, please click here. 
XXXX XXXX XXXX   XXXX & XXXX We look forward to having the opportunity to serve you. 
so i put in my information ... and this is the message ... XXXX We are unable to complete your request at this time. Please call XXXX for further assistance. so i have great credit just follow my asset # XXXX because when you take out a loan you have to show THE FEDERAL RESERVE YOUR CREDIT SCORE AND I HAVE THE NEW CREDIT ALLOWED BY MY FATHER XXXX TAKE IT UP WITH HIM HERE IS HIS NUMBER 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 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
Please see documents Attached

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 2021-12-20
Company: EQUIFAX, INC.
State: CA
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:
This is XXXX XXXX who is submitting this CFPB complaint myself. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
State: NJ
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 wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

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 2021-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is XXXX XXXX who is submitting this CFPB complaint myself. I sent letters to Transunion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Transunion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-05-30
Company: EQUIFAX, INC.
State: LA
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: EQUIFAX, INC.
State: NY
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 submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Transunion without my knowledge and consent removed or deleted my XXXX ( XXXX ) account from my credit report that was in good standing. This has hurt my Average Age and credit history length. That account # XXXX i did not give permission for Transunion to do this change. I also called about this several months ago, That account # XXXX needs to be placed back on my report. Transunion has been mixing up my credit file with others, deleting accurate things that shouldn't be deleted, adding names and addresses to my account that doesn't belong to me, providing me with inaccurate information when i call, then when i ask to speak with a supervisor the employee hangs up. 

i'm asking for this XXXX ( XXXX  ) account # XXXX to be re added back to my account, i did not dispute this account or delete it. This account was in good standing.

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