BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-07
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Dear CFPB, If this wasn't happening to me then I honestly wouldn't believe it. I have been a loyal card holder of my XXXX credit card plus I drive an XXXX XXXX. Both items have never been late but for some strange reason I receive a threatening letter from XXXX card member services on XX/XX/2021 indicating in a letter format that because my account is currently inactive for non using my " XXXX BALANCE '' credit card during covid ( which I purposely did not use because I didn't want any debt because of these uncertain times ) ... the letter plainly stated I was a credit risk. 

In fact the letter says : The primary reason for this decision were - * Account is currently inactive The letter from Card member services went on to say that my good standing credit card would have its balance reduced from {$2500.00} to {$500.00} which ultimately would affect my credit score " SEVERELY '. And it did. I received a credit alert notice from XXXX  today stating my credit score had dropped 10 points because of the reduction in this credit balance.

Cardmember services indicated in its letter that there decision was based on a credit report they pulled from XXXX  ( when I did not authorize this nor was I credit risk ) so this was pulled fraudulently and maliciously. I feel they are targeting there XXXX American base of clients with this redlining process they are implementing. if I had a high credit limit, was late multiple times or behind on a current payment then I would understand the retaliation but thats not the case here. 

I have a " XXXX BALANCE '' credit card in impeccable standing and as a consumer I am choosing not to use it unless its for emergencies just like the rest of the population - preferably XXXX. 

I always maintain a credit score somewhere between XXXX to XXXX but even in this situation I still had a high score considering the national average. I have attached a copy of my credit score from XXXX  which I'm a member of XXXX XXXX and I monitor my credit like a hawk so for this to happen and get punished for actually having a pro balance during one of the bleakest periods in history for mankind is really scary that Cardmember service is taking this bold move to harass, punish and push its members to run up debt to appease its shareholders is absolutely pathetic to say the least.

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 2023-09-06
Company: Ridge & Valley Realty, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I went to file taxes for my componey called XXXX XXXX XXXX XXXX  XXXX co she was filing my LLC taxes for me after many emails and phone calls from them asking for way over XXXX for papered my my taxes that i never picked up so serves was not rendered they sold my account to CREDIT SYSTEMS INC Address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX for some thing i never picked up or revived i will like this com investigated asap for fraud i have never got any mail on this or phone calls as the law requires them to do I JUST CALLED THEM AND THEY DON'T EVAN HAVE MY CORRECT NAME ON FILE ALSO THEY HAVE MY BUSINESS ADDRESS WHERE NOTHING WAS EVER SENT MY MAIL THIS MUST BE REMOVED ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 OF 609 LETTER regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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 2023-08-25
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: AZ
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I needed the loan to cover a financial hardship due to death of my son. I fell behind in payments and they withdrew a very large lump sum which I did not authorize and was not what I initially agreed to - I was not informed or aware that a company could do this and feel they are in violation of some legal regulation.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: TX
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:
Please remove these hard inquiries from my credit report I have no knowledge of these accounts they are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: AR
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 Complaint that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. I demand an immediate deletion and appropriate remedies as per the law. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. The following items should be deleted as they are fraud in my credit file : XXXXXXXX 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 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 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 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: DriveTime
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Ok so on XX/XX/XXXX, I purchased a XXXX XXXX XXXX. While I was walking around the car, I seen the boarder hanging off the clip I show the salesman he takes it to the back and come back saying it was fixed. I went home. I didn't really drive it the next few days. On Monday I work like 40 minutes from my home, and I noticed it was shaking and riding rough. I drove it again Wednesday and noticed the same thing. I called Drivetime and he said I am sending to a link select a shop you would like to complete the repairs and it will be covered under warranty because you have had it for less than 30 days. Well two shops later and a rental car they refused to pay for vehicle to get repaired saying neglect on my part. How??? Both repair shop say that whoever had the jeep before me ran over something big and showed me a sticker on the fender line show it was new. The warrant provider stated that they called Drivetime to see if they were going to help me out and was told no. The warrant provider also let me know that Drivetime replace the fender liner before I purchased it. So, this make me believe they know there was a problem with the wheels why else replace the fender liner? Be drivetime stated they can't speak with me on what was done to my car before I purchased it. SMH. I have tried to call a corporate office and just continue to get consumer relations department. So, I am stuck with repairs that I did not do!!! XXXX I have used Drivetime for years and even referred friends and family. Never no more Date of experience : XX/XX/XXXX Edit Reply from DriveTime Used Cars 7 hours ago We appreciate you reaching out. At the time of sale, we provide an XXXX AutoCheck History Report as a courtesy for each customer to maintain transparency. This report provides the history of the vehicles use, such as any prior accident records, rental or government use, registration flags, or involvement in a theft. Each customer also has the opportunity to inspect their desired vehicle both inside and out during their visit. Additionally, we offer a 5-day Vehicle Return Policy to every customer.

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 2023-08-03
Company: EQUIFAX, INC.
State: NJ
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
PLEASE REMOVE RANDOM INQUIRIES REPORTING ON MY CREDIT REPORT WITHIN 4 DAYS XXXX XXXX NA - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/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 2022-10-09
Company: Bread Financial Holdings, Inc.
State: NJ
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:
I paid off this company via phone call stating if I pay this balance will they take it off my report they said yes. It is still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Graduated and walked with graduating class at graduation and then received a letter a week later informing me of a mistake! Stating the school had me pay for and take a class unnecessarily taken to graduate! That I also still needed one other class to graduate and receive the degree I was told I had already completed requirements mandatory to complete! Was unable to return until the following semester to complete needed class and by that time I was informed I need 3x the amount I had previously needed! Never received degree and all the money and time that I spent my time putting into obtaining it!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: OH
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:
at 30-60 days late and at the time my income was affected by the Pandemic shutdown. I am aware that the CARESACT was allowing for consumer protection under the CARES Act with creditors offering accommodations. I have on my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE REQUESTED the accounts to be properly updated due to the fact that the accommodations requested during the timing did in fact qualify for the protection under the cares act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am writing about account number ending in XXXX at Bank of America , N.A . 
Bank of America has made repeated errors since XXXX. I have made numerous calls to request them to fix the problem, but the problems persisted. I am specifically referring to case # XXXX, case # XXXX, case # XXXX and case # XXXX. 

On XX/XX/2023, I sent a letter to completely explain the amounts paid and my estimate of their error in the amount of approximately {$540.00}. I had made the following extra payments which should have been applied to the principal : XXXX on XX/XX/2023, XXXX on XX/XX/2023, XXXX on XX/XX/2023, and XXXX on XX/XX/2023 Because they failed to follow my repeated instructions, I sent another letter XX/XX/2023 explaining the following extra payments should be applied to the principal : XXXX on XX/XX/2023, XXXX on XX/XX/2023, XXXX on XX/XX/2023, XXXX on XX/XX/2023, and XXXX on XX/XX/2023 According to their own policy : If you don't contact us or we don't receive written instructions from you, and you attempt to prepay more than one periodic payment, we will apply those payments to the principal balance of the loan. '' Thus they failed to follow their own policy repeatedly. First they should have applied as stated since they received the extra payments without instructions. They failed again after making calls to declare that those payments should have been applied to principal. They have failed to respond to either of my letters. 

The matter remains unresolved and I need assistance and advise to seek my rights as I feel I have had to spend too much of my valuable time reporting the bank 's errors in violation of their own policies and am concerned what other errors the bank is not handling.

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 2023-08-03
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
This is the several times I've complained about the unauthorized inquiries reporting in my credit report. I am seeking assistance to remove these from my file. 
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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: EQUIFAX, INC.
State: MD
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:
Greetings, I feel there's some unfair business going on with all three credit bureaus. I have being fighting for an investigation of my entire credit report for over 8 months now without a resolution. Only a decrease in my credit score about 5 times with 14 accounts in good standing. This is unfair and I am seeking a through investigation. Something isn't right ... .The calculations are wrong and unfair. This situation is causing major distress in my life, delays, and depression. The fact that my voice isn't being heard is even more mind babbling. I've contact all three bureaus and all they want to do is argue with you and refuse to help you even if you're stressing your rights by the fair credit acts. They do not care and it's unfair. I reached out to a credit specialist and they explained to me that I have 14 accounts in good standing and 5 accounts that's closed and reporting old information. The bureaus will not delete these accounts nor give me credit for the 14 current accounts in good standing, so my score stayed in the 500 's. I would like an investigation please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: MI
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:
-This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

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 2023-02-03
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
To Whom This May Concern, I have spoken with customer service representatives from XXXX XXXX and i was informed that they did not know why the account was reported as late payments received.This is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible : Inaccurately reporting Late payments on credit report when all payments were paid on time with XXXX XXXX Account The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 3 years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation.

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 2021-08-06
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They violated the HIPAA act by reporting my debt and information to credit bureaus

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 2023-11-27
Company: Experian Information Solutions Inc.
State: MI
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 am writing to bring to your immediate attention the persistent inaccuracies on my credit report, specifically pertaining to late payments on my XXXX XXXXXXXX account with the account number XXXX This matter is of utmost urgency, as the reporting inaccuracies are not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ), but they also constitute a blatant disregard for the consumer protections enshrined within the legislation. 
Under the FCRA, 15 USC 1681 ( a ) ( 2 ) ( i ) explicitly mandates the accuracy and fairness of consumer credit reports. It is with great concern that I must address the egregious inaccuracies in reporting, specifically in relation to late payments on the aforementioned XXXX XXXXXXXX account for the months of XXXX, XXXX, XXXX, XXXX, XXXX & XXXX OF 2023

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