BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-13
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Experian Information Solutions Inc.
State: PR
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:
Sent MOV to experian. No change they stated valid. Sent XXXX XXXX XXXX XXXX debt validation letter XX/XX/2020, they replied with email last night that its valid with no proof of signature that the debt belongs to me nor any contract that its my debt. XXXX XXXX sent a generic letter, no account number nor any personal information in regards to me owing this debt. They validated the information without proof that its my debt. As you will read from the email from XXXX they stated to talk to the credit reporting agency, which I already have. Its seems they are going me the run around like go ask your dad or go ask your mom, childish games. Im trying to finish this last bit of disputes to continue on with my life and live the American dream.

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 2021-03-30
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
From previous complaint, I have decide to closed my HSBC account XXXX Hsbc send a letter saying they are gon na refund my balance of {$5100.00} They even provided a fedex label. As of today I did not received any fund

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being

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 2022-06-10
Company: Experian Information Solutions Inc.
State: NM
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:
XXXX XXXX has sold my mortgage loan internally three times over the past few years. Each time they report the loan closed and up until this last time, showed an open account. 

I have contacted Experian and the XXXX XXXX  about this missing from my credit report and filed a dispute and they come back dismissing the dispute. 

XXXX and XXXX list this mortgage as active with excleeent payment history over the past 10 years. Each have a credit score of good to excellent. 

Experian does not show the mortagage and has the credit score as fair. I have a copy of the monthly statement from XXXX with a balance shown. 

If they dismiss the issue and the other credit reporting agencies show the account, what can be done to get this straight. With a fair credit score, any loan, credit card or even if we were to look at a new home, the interest rate and down payment would be much higher with this improper score. 

I have sent two disputes and included the account number to experian and they respond with closing the dispute with no change to the 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 2023-07-13
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: Public record information inaccurate

Complaint:
Equifax is reporting my bankruptcy with an incorrect filing and discharge date. I have hired a service to remedy this and after three attempts and submission of court filings, Equifax still refuses to take action to correct the error, that they made. This is causing actual and qualitative damages. I am a small business owner, and this erroneous report is hindering my ability to secure lines of credit, among other issues. 

Actual filled : XX/XX/XXXX ( I have attached court filings to prove this date ). 

Equifax is reporting I filed on XX/XX/XXXX ( I have attached my credit report to show their error ). 

Equifax is not complying with consumer protection laws and I want this error reported and corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: CBC Companies, 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: Investigation took more than 30 days

Complaint:
I co-signed an Auto Loan with XXXX XXXX for a car. I made payments on the loan until I lost my job due to COVID-19. I contacted XXXX XXXX to discuss alternative payment arrangements such as a deferment, lower my monthly payments or a forbearance considering the circumstances. XXXX XXXX failed to work with me, charged me additional fees and made negative marks on my credit report. 

Under the CARES Act, XXXX XXXX may not report this auto loan as being late if I lost my job and was unable to make my monthly payments as a direct and exclusive result of COVID-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I noticed there was an unauthorized {$200.00} withdrawal on XX/XX/XXXX from my Citibank checking account. I immediately contacted Citibank on 1XX/XX/XXXX as soon as I noticed the unauthorized deduction. I was advised at the time that a provisional credit would be issued and there would be an investigation into the matter. On XX/XX/XXXX, I received a letter from Citibank stating that upon their " investigation '' they determined that the withdrawal was made by myself or an " authorized third party '' person. Furthermore, the letter I received stated that they do not routinely use ATM video to do their research. Well, how else do they investigate if not with the video surveillance? I immediately contacted them to dispute and escalate the investigation, but they already deducted the {$200.00} provisional credit they issued. I vehemently denied that I did not deduct the funds, nor did anyone else that I authorized. I have never been in the town where the theft occurred. Furthermore, I never use non-Citibank ATM 's, and this happened at a XXXX XXXX ATM. I immediately felt as though I had been victimized for the 2nd time. Once from the thief and again from my own FDIC insured bank that I have been banking with for 19 years. When I reported the unauthorized withdrawal, I was asked a series of questions. One being if I have ever shared my pin and if anyone has ever been authorized by me to deduct funds. I HONESTLY answered yes, because I am married and it is NOT uncommon for spouses to have access to their accounts. I feel as though, this honestly led to my demise and Citibank found an out in honoring my fraudulent claim. I have never had any other claims for theft on this account and have never had an issue until as of recently. In the past 3 months I have been issued 3 new cards due to fraudulent activity. It seems as though there is an issue with Citibank because someone else that I know who also banks with Citibank- has had the exact same thing happen to them. To prove I did not deduct nor authorize this deduction- I filed a police report in the town in which the theft occurred. I would not risk going to jail for {$200.00} if I performed or authorized the deduction. To be perfectly honest, I do not feel safe with my hard earned money in Citibank anymore. They are there to protect my money and this experience has been the furthest thing from " protecting '' me.

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 2021-01-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had a mortgage with XXXX XXXX XXXX. I used the Covid Cars Act to defer payments on the mortgage for three months beginning, XXXX of 2020. I sold my home for a profit in XXXX of 2020. XXXX was able to recover the back mortgage payments from the home sale. Even so, my credit score which was in the mid 700s ( excellent ) just before I took the deferral and subsequently sold my home, tanked down to the XXXX ( fair ). It is still there even though I have a 100 % payment history on my reports and minimal credit card debt. I have government backed student loans which were there prior to the deferral. I have reached out to the credit bureaus and to XXXX who have given me the runaround each time. I need this fixed 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 explanation
Consumer complaint received 2021-01-07
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: Investigation took more than 30 days

Complaint:
I SENT A DISPUTE LETTER TO XXXX  ON XX/XX/XXXX AS OF XX/XX/XXXX XXXX  HAS FAILED TO COMPLETE MY INVESTIGATION AND COMMUNICATE RESULTS WITH ME FOR THE FOLLOWING ACCOUNTS. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX  XXXX XXXX 6. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The company I'm reporting is XXXX XXXX XXXX XXXX. They report people 's driving history to the auto insurance companies. 

The problem I'm having is that they are reporting an accident I had on XXXX incorrectly. They are reporting it as an " At fault '' accident, when it should have been reported as a " Not at Fault '' accident. 

Sometime during XX/XX/XXXX I discovered the accident was reported as an " At fault '' accident through an insurance agent who was giving me a quote. She explained to me that was the reason why the premiums were so high and recommended that I should contact LexisNexis. On XX/XX/XXXX I wrote them a letter explaining the situation, and sent documentation to show that the accident was not my fault. At that time I was insured by XXXX XXXX, so I provided them with a letter from the insurance company 's Claims Department and the police report. They sent me a letter on XX/XX/XXXX saying they corrected the record. They did not. I am attaching a recent quote from XXXX XXXX XXXX that shows it's still reported as an " At fault '' accident more than two years after they claim they corrected the record. This has cost me hundreds if not thousands of dollards during the past three years for outrageously high insurance premiums. I need your help to finally resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
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:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: CITIBANK, N.A.
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021, Citi authorized XXXX transactions on my account to a store named XXXX by XXXX XXXX. 

The first transaction totaling {$14000.00} happened at XXXX and the second transaction of {$4400.00} happened at XXXX. 

I filed two disputes the next morning and at that time, Citi closed that account and opened a new one with a new credit card associated to it. I reached out to Citi 's help center and they asked if I called in to allow for charges of that amount the day of, which I did not. I've contacted Citi numerous times on the status of the dispute and all they have told me was that they are trying to contact the merchant. 

The merchant is no longer in business and seems to not have been for some time so I'm not sure why " reaching out to the merchant '' is taking so long. If the fraud team did any research into the merchant, they would realize that they don't exist anymore. 

I would also like to mention that on that same night, Citi authorized a payment by phone of {$2400.00} which I did not make, which later bounced. 

I am not able to get any real/concrete information from Citi 's fraud team surrounding their " investigation '' and all they tell me is that if they need more information, they will reach out to me. 

These transactions totaling {$19000.00} are still on my newly opened account with no end in sight.

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 monetary relief
Consumer complaint received 2021-01-07
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX. I submitted a dispute on an old XXXX XXXX XXXX XXXX credit card that is no longer open with Experian. They have 30 day late marks on my credit report for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have called the creditor XXXX XXXX to have the statements of these dates sent. I was never 30 days late on this account. I submitted every statement from the dates listed above and the preceeding months to prove I was never 30 days late. Experian finished the report on XX/XX/XXXX saying that they arent changing anything. This account is also reported by experian to have a {$15000.00} balance which isn't possible because the card and account no longer exist. The dispute report number is XXXX. I need this rectified as it is hurting my credit and would like to apply for a mortgage!

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 2021-01-08
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My bill of {$330.00} from XXXX XXXX XXXX XXXX UTILITIES was paid in full after being notified of the balance due. This payment took place prior to shutting my services as I was moving to a new home. I am now being charged by PENN CREDIT CORP for a balance that has already been paid. I was never notified by XXXX XXXX XXXX XXXX UTILITIES that this balance was being sent to collections. Because of this, I now can not get approved for an apartment because of this mark on my credit and the company will not help me with this unfair situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
For the past several years I have been unable to receive an credit report from any of the companies that participate in the XXXX program. 

Any attempt always results in " We're sorry, for your protection we are unable to deliver an XXXX Free Annual Credit Report over the Internet, '' " A condition exists that prevents Experian from being able to accept your request at this time, '' or " The system was unable to get enough information from the Free XXXX XXXX XXXX to complete this process. '' I used to be able to successfully obtain credit reports from the site but now I always have to call or mail the request. What is the point of having this site if it doesn't work?

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 2021-01-08
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Transworld Systems has reported a collection account to my consumer credit file in the amount of {$550.00}. I do not owe this alleged debt. If Transworld Systems has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL contractual documents stating and proving that I am responsible for this account that I agreed to and authorized the alleged debt that Transworld is attempting to collect. Transworld has no legal right to attempt to collect a debt. Transworld has not validated this debt nor sent me a notice of collection. Enhanced Recovery is in violation of the FCRA and the FCDPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: Filo Mortgage, L.L.C.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Filo Mortgage ( broker ) is intentionally delaying our closing by asking for last minute documentation. 

The day before our closing I received an email request for documents, which I promptly provided. They cancelled my closing only a few hours before the scheduled time and did not even contact me directly. The sent an email to inform me that the closing was being rescheduled. 

I believe they are intentionally trying to run out past my lock date to increase the interest rate on my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Experian Information Solutions Inc.
State: MS
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : Account name : XXXX Account number : XXXX Account name : U.S. DEPARTMENT OF EDUCATION Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2021-01-08
Company: Bread Financial Holdings, 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:
Comenity Bank/XXXX Credit Card is currently reporting on my credit report. This account is not mine and I disputed it as identity theft with Comenity and they removed it from my XXXX credit report after receiving my identity theft affidavit but then they added back to my XXXX  credit report. I have done everything thing I needed to being a victim of identity theft but they are reporting on my XXXX as 90 days late. This is not account.

Company response to consumer: Closed with non-monetary relief