BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-09
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance with Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error. I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission with my original letter, which I have attached to this complaint, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of constructive fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/2023 and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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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 2023-08-08
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im am not liable for this account, nor have this entity provided me verification documentation. I demand this account be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-29
Company: HYUNDAI CAPITAL AMERICA
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:
This is XXXX XXXX who is submitting this CFPB complaint myself. This company is currently showing XXXX days late ( XXXX XXXX XXXX ). I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 

( XXXXXXXX XXXX XXXX XXXXXXXX )

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 2022-05-14
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have sent several dispute letters to XXXX, Equifax, and XXXX about an incorrect account on my credit report from XXXX XXXX. XXXX could not verify and sent me proof of the debt so it was deleted. I requested the debt be verified and to be sent proof from all three agencies. Equifax and XXXX refused to correspond in regards to the debt on all occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Orchard Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the loan closing

Complaint:
YOUR COMPLAINT On XX/XX/23, my wife and I signed up for Orchard 's Move First mortgage program to move to North Carolina and sell our house simultaneously. We had our appointment on XX/XX/23 and met with an advisor over XXXX. Her name was XXXX XXXX, and we were finalizing all the info. And I shared my desktop to show my wife, who wasn't home, what our viewpoint looks like. In doing so, an NSFW picture got shared instead, and no one noticed, so we moved on. After XXXX minutes, we signed our agreements for a Guaranteed cash offer of XXXX and an exclusive sales agreement. During that week, we had appointments set up for our Real Estate Agent and team to start the process ; on XX/XX/23, Somebody canceled our meetings, and we were waiting for someone to take our calls. We got an email from SVP XXXX XXXX saying they wanted something other than our business. I called XXXX to find out why, and he told me it was because of the shared picture we didn't know about. He broke some internal policy, and he can't service us. End of story, he even admitted it was a mistake and had happened, including it not being a big deal. I told him we already signed an agreement, and he didn't care, illuding to my character not being exemplary. Even though it sounds like what his report says was blown out of proportion. They are forcing us to cancel our contract even though they violated the terms they had set forth, offending someone not listed in the agreement. And they refuse to negate the exclusive seller agreement

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 2022-05-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I try to correct my personal information and remove but the credit bureaus refused to do it

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 2023-12-23
Company: Lockhart, Morris & Montgomery Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter out on XX/XX/XXXX to LOCKAHART MORRIS & MONTGOMERY However they said the completed investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to. 
How did they complete this investigation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am comprehending that the credit reporting agencies, Equifax, XXXX, and XXXX MUST delete ALL accounts that I have reported as fraudulent regarding identity theft within FOUR ( 4 ) days of my report, and NONE OF THEM HAVE DONE SO, violating the laws that are placed to protect consumers.15 U.S. Code 1681c2 - Block of information resulting from identity theft. : ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency> My reporting was NOT in ERROR, so the reporting agencies have NO right under the law to continue to " report '' my PRIVATE information for the public corporations to see. 

Thank you for your time and effort in this important and urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: SC
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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28
Company: SYNCHRONY FINANCIAL
State: TX
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:
I recently had a dispute opened with Synchrony Bank regarding a transaction for {$740.00} for services that were not described and rendered. However, despite all of my efforts and providing them with more than enough evidence this world 's worst bank was not able to resolve or fight the dispute with the merchant. Now they have posted the charge back in my account as I owe the balance, when they opened the dispute, they also took away the 2 % reward I got with the transaction. 
A XX/XX/2023 back I called Synchrony Bank and spoke with the Manager named : XXXX  and he told me that he has to submit the ticket to back office and I should be getting those rewards back within XXXX billing cycle. 
However today i.e. XX/XX/2023, I received a letter saying that Synchrony Financial is unable to redeem rewards points and I have to go to online and click redeem rewards points. 
Now this clearly shows how intelligent and awake their team is and No wonder why they didn't fight the dispute because they did not want to do any work. My inquiry was very simple If they want me to pay the balance for that transaction based on the credit card rewards term, they should also post back the 2 % rewards that they took away and they are telling me that how to redeem rewards, seriously? 
I called back again today XX/XX/2023 and spoke with another manager : XXXX and informed him the same after wasting another XXXX hours on the phone he sang same song that he has submitted the ticket and I will be getting the rewards in XXXX billing cycle. I also requested a call back from him Manager or direct supervisor and he told me that it is not guaranteed. 
At this point I am simply amazed how the XXXX this bank still exists and ruin the customers life every day.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-21
Company: MOHELA
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a complaint and dispute with Mohela Student loan servicer requesting they remove inaccurate reporting on my credit profile. Mohela continues to report erroneous late payments on my credit report that is causing my financial reputation to be negatively impacted and its lowering my credit score making it impossible for me to be approved for any type of credit. 
The errors that are being reported are as follows : 1 ) XX/XX/2019 is reported as 90 days late and this must be incorrect because the two months preceding XX/XX/2019 which are XX/XX/2019 and XX/XX/2019 are showing as paid on time. If the prior two months are paid on time, XX/XX/2019 can not suddenly become 90 days late. I demand my credit profile be updated to reflect that I was never late. 

XXXX ) XX/XX/2019, XX/XX/2019 and XX/XX/2019 are being reported by Mohela as 90, 120 and 150 days late accordingly. However, the two months preceding XX/XX/2019 which would be XX/XX/2019 and XX/XX/2019 are reported as paid on time. If XXXX and XX/XX/2019 were paid n tune, then it is impossible for XX/XX/2019 and XX/XX/2019 and XX/XX/2019 to be late because XXXX, XXXX and 150 days did not pass. You can not be 120 days late and on time for the preceding XXXX and 60 days. This is inaccurate and I demand my credit report be updated to show never late for XXXX, XXXX and XX/XX/2019. 

I demand Mohela update this account information even though it has been refinanced because it is still reporting on my credit profile as late and is dragging my credit score causing it to be low and ineligible for extensions of credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: LEXISNEXIS
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
i had a claim with my insurance company XXXX XXXX  where the data was incorrect put. 

My car parked was hit by a rock that caused leaking of oil. Therefore I had to replace some parts and oil. The insurance company paid some part of the repair and I did the rest as my deductible. 

The claim was close as " at my fault '' even I did not cause the incident and " Collision '' it was a comprehensive incident. 

I have spoke with lexus and they denied to change that. 

My insurance went up because of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Bank of America placed a derogatory mark on my credit report on XX/XX/2023. I have called at least five times and they told me that it has been removed but it is still on my credit report. The last time I called and explained this to an agent they hung up on 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 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been unable to the Remove Extended Fraud Alert & the Promotional Opt-out. Transunion also faild to attach my current phone number on my extended fraud alert making it impossible for creditors to contact me. 

This is unacceptable and I want this alert removed immediately. And I want to Opt-in the promotional services

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 2023-10-05
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting 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:
XXXX reported my paid off loan to Experian. My credit limit was increased and other loans were made and paid in full and on time. Because XXXX showed my first loan was paid and NO NEW loans were reported, my credit score was lowered instead of increased by the repayment of more loans.. This is damaging and has prevented my establishing new lines of credit due to a lower than actual score if all " Eligible '' loans were reported. 

In 2 years I had multiple loans and payments, all paid on time or early in full without a single late payment. 

They claim that not all loans are eligible for reporting and that is not in dispute. What is in dispute is that the loans not reported are identical contracts language wise as the previously reported loan, but were of different contractual amounts and term length which were 12 months instead of 6. 

The problem is the conflict of interest. With failure to report my perfect credit history with XXXX, it has severely limited my ability to seek other credit lines and reduced my ability to increase my credit score leaving me with only XXXX as as " XXXX XXXX XXXX '' Their policy in this matter is a racket to maintain a monopoly of sorts by preventing me from seeking other and better options. 

This has damaged me as the failure to report has lowered my score instead of increasing it. The ability to rent, purchase, or get credit without security deposit and extreme interest rates has been suppressed. 

XXXX  actually offered and I accepted a credit card to be used at any location. But I have to " Prearrange '' the transaction and amount before purchase. I have been turned down for other lines of credit that I would have qualified for if my paid off and current loans had been properly reported.

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 2024-01-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I been a Citibank customer for XXXX  years. Today I call in because XXXX of my credit cards decline I spoke to manager XXXX employee id XXXX and he provided horrible service was rude and unprofessional. I ask to be transfer to someone I can complaint about his service he refused stated no one was higher or above him

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 2024-01-05
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX XXXX XXXX after being denied for an apartment, I pulled my Consumer credit report and found that possible violations of my consumer rights according to TITLE 15. 

A Wells Fargo Bank is negatively and inaccurately reporting an old credit account I had with them as a CHARGE OFF Status on my consumer credit report. 

This account was a XXXX XXXX XXXX funded by me, the account holder. 

Wells Fargo Bank is reporting against this account as if they suffered some type of damages. They did not loan any monies to fund this account. All monies were provided by the account holder when the account was opened. 
Wells Fargo Bank did not send me at 1099C if they did Charge off this debt. 
Wells Fargo Bank is reporting my performance on this account which was a XXXX XXXX. 
I was not given any notice before this information was added to my consumer report. 

The reporting of this inaccurate information is harming me and hindering me from obtaining services on credit. 

Per 18 USC 1028 ( a ) Since I did not give permission for them to provide this information to my consumer credit report, this would be considered Identity Theft.

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 2022-12-26
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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