BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-12
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am writing to formally express my deep concern and dissatisfaction regarding the recent credit reporting issue that has significantly impacted my credit score. The purpose of this communication is to file a formal complaint and seek resolution for the reported debt, which I believe is unjust and has negatively affected my financial standing. 

Background : I resided at XXXX XXXX XXXX for a period of XXXX years. Upon the expiration of my initial lease, my wife and I applied to renew the lease, and the property manager initially agreed to the renewal. However, in the final week before the lease expiration, we were informed that we were required to move to a larger two-bedroom apartment with a higher rent of {$1600.00} due to the presence of our infant daughter in the family. Feeling left in limbo, we reluctantly searched for alternative housing and vacated the premises before our lease expired. 

Subsequent Issues : Following our abrupt departure, there was a complete lack of communication from the property manager. Unexpectedly, my wife 's and my credit scores were adversely affected by the reporting of a debt that we had no prior knowledge of. Notably, the debt collector failed to contact us before reporting the negative credit score, leaving us blindsided by this detrimental impact on our financial profile. 

Current Actions Taken : Upon discovering this issue, I promptly contacted the collection agency on XX/XX/XXXX to address the reported debt. However, to date, no tangible action has been taken to rectify the situation. The credit reporting date, XX/XX/XXXX, indicates that the negative credit entry was made XXXX XXXX after our relocation from the apartment. 

Request for Resolution : In light of the circumstances outlined above, I am formally requesting a thorough investigation into this matter. I kindly ask for the following actions to be taken : Validation of Debt : I request proper documentation validating the legitimacy of the reported debt. 

Dispute Resolution : I ask for your assistance in disputing the inaccurate debt reporting with the relevant credit reporting agencies. 

Explanation and Rectification : I seek a clear explanation for the reported debt and the subsequent negative impact on my credit score, along with appropriate measures for rectification. 

Communication : I request open and transparent communication regarding the resolution process and any further actions required on my part. 

I trust that you will address this matter promptly and fairly. If necessary, I am prepared to seek legal counsel to ensure that my rights are protected and that this issue is resolved in accordance with applicable laws. 

Thank you for your attention to this urgent matter. I look forward to a swift resolution.

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 2023-10-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I started a savings account at a Citizens Bank branch in XXXX, NY. The terms and conditions were that if I made a deposit of at least {$100.00} for each of four months I would get a {$25.00} bonus. 
I deposited {$100.00} in XXXX, in XXXX, in XXXX and XXXX At the beginning of XXXX I went to my branch bank to inquire if the {$25.00} was added to my account. I was informed by the branch manager that there was a computer glitch holding up the bonus. I went back in XXXX twice. The branch manager says he called the home office of Citizen Bank to plead my case. They told him there were many depositors who had not received the bonus. I was patient. 
When I inquired again at the beginning of XXXX I was told that the {$25.00} bonus had not been credited to my account. So, I decided to file a complaint with the bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I refinanced my loan with capital one and a lady pulled out in front of my new vehicle and totaled it out before I made the XXXX payment on XX/XX/2021. I didnt purchase XXXX, however I want to fulfill my loan obligation but I needed a new vehicle and I got XXXX with a balance still owed to capital one when I initially called in when the accident happened and asked if they would work with me they stated yes. Granted my insurance company was just allowed to mail the payoff payment due to capital one needing to get a title issue fixed which took them until XX/XX/2021 to obtain a perfected title, I cant blame the insurance company because I work for the company and they have been ready to make total loss payment. I just wanted the company Capital one to work with me for the remaining balance basically they advised no I would have to make the full car payment monthly until the balance has been fulfilled when a represented previously advised they would. Asked for a supervisor and advised no one would contact me for XXXX days and thats not professional at all. I need help?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have an account listed on my credit record as sent to collections for non-payment. This is incorrect for several reasons. The account was open in XX/XX/XXXX at the XXXX college of XXXX two months after I opened the first loan in XX/XX/XXXX. The loan opened in XX/XX/XXXX, went into in school forbearance in XXXX, while the XX/XX/XXXX loan went supposedly into collections. I was never contacted by a debt collector to recover this amount of {$2700.00}. This is the only student loan that I am having an issue with even though it is not my oldest loan. I am currently in good standing with other loans. Ive contacted XXXX, XXXX XXXX XXXX, the federal student loan debt hotline, and everyone has stated that I am not nor have I ever been default on a student loan. When I disputed it, my credit file was updated to say I paid the account which is totally false I have not paid any student loans as I have recently completed my XXXX degree.

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 2023-10-05
Company: TransferWise Ltd
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I bought a XXXX XXXX vintage cast iron from a XXXX woman in XX/XX/2023. We both were the group members of XXXX XXXX XXXX XXXX. She approached me from a posting that she made and I commented it was a beautiful pot. She was nice and responsive at the beginning before the deal was made. The pot arrived broken and it was packed badly and also without any alarming sticker such as Fragile. I spoke to her that night and she agreed will compensate me by sending me a pot if she found a similar one and requested me to wait. I waited for few months. I began running out of patient and fear for the uncertainty in life. I spoke to her in XXXX, she became impatient and saying me do not threaten her. I did not do anything, I was purely just checking with her how she wanted to resolve the issue. I wanted the pot or the money back so I was nice to give her another 2 months. On XX/XX/XXXX, I checked with her again. She denied everything and saying that she would give me a good price if she found the pot in the future. 

I posted the incident on the XXXX XXXX XXXX groups. Some commented that they had the same thing happened to them from this same woman. Few days later, I realized I was removed from the XXXX XXXX XXXX group without notice. The admin did not even investigate or talk to me. 

It is very hurt and painful. Months and months thinking of the pot and fearing of not getting anything back. I feel like I am being bully on top of loosing money. I reached out to Wise Inc and then my own bank, XXXX. Wise said they cant do anything. I replied the email asking for Chargeback but did not hear back from them. Then I called XXXX. XXXX explained that the nature of the transaction not allow them to do anything and advice me to report to a local police if I really wanted my money back. 

Wise does not allow adding any credit cards when setting up the account. I was all lead by the Wise. XXXX did chargeback for the customers. 

I want justice and I want my money back. 

XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: AL
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$8200.00} XXXX XXXX XXXXXXXX Balance XXXX {$34000.00} XXXX XXXX Balance : {$950.00} XXXX XXXXXXXX Balance : {$8400.00} XXXXXXXX XXXX XXXX Balance : {$33000.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$8000.00} XXXX XXXX XXXXXXXX Balance : {$34000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-26
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX XXXX incorrectly reported an account from XXXX XXXX as in collections that was paid by the NY Department of Social Services in 2014. I paid back social services and several collection agencies tried to collect on this paid bill years ago, I reported to CFPB and the collections agencies dropped the collection and credit bureaus removed from my reports and CFPB reported to FTC. Here it is over 6 years later and during a world wide pandemic and XXXX XXXX XXXX  has the horrendous objective to falsely state I owe a debt that was paid without any type of fact checking or contacting me by mail. The 3 credit bureaus just let this appear on my reports without any fact checking, how is this fair or legal?

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 2023-10-02
Company: EQUIFAX, INC.
State: MD
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: Investigation took more than 30 days

Complaint:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811i ( 5 ) these accounts are in violation of not reporting 100 % accurate information.

The credit reporting acencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under USC 1681i ( 7 ) Method of verification - description of investigation procedure RESOLUTION As a consumer. by law my credit report must be made 100 % accurate immediately by the credit reporting agencies updating informations and deleting and accounts In Accordance with the fair credit reporting credit reporting agencies and and the accounts listed have violated my rights. The reporting companies are also not showing the full account number for each associated account.

15 U.S.C 1681 Section 602H states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions There is also a HIPA violation breach, there are medical collections on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Block, Inc.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
Cash app lied saying they can not verify my account that is because they closed it so its not able to be traced so they do not loose any money that they let some 1 steal. And for them to lie and say they can't verify my account that's XXXX bc I can log in to it from my phone and it has my name and they have my social security number witch now that becomes identity theft due to letting some 1 hack my account and steal my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
My credit report is showing late payments to AMEX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or AMERICAN EXPRESSs customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
Company: Experian Information Solutions Inc.
State: NV
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 am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

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 2023-04-20
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 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 2022-08-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I am authorizing this complaint on my behalf. I can't believe you guys are taking advantage of me. I AM VERY UPSET, the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I'm demanding to be deleted 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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 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 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 2022-08-27
Company: Maximus Education, LLC dba Aidvantage
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My wife XXXX XXXX XXXX ) and I ( XXXX XXXX ) never received any correspondence from XXXX in order to qualify or receive our settlement reimbursement. We are both former XXXX loan borrowers ( federal ) and yet a state legislator we know received their check in the mail ( immediately ). It is clear that XXXX is not fulfilling its obligations to the borrowers under the settlement. Can you please help us retrieve this funding? It would be extremely helpful at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: EQUIFAX, INC.
State: OH
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:
I tried to get late car payments off the credit report. From XXXX and XXXXXXXX XXXX XXXXXXXX was told they can't take them off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: EQUIFAX, INC.
State: FL
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: AR
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 am writing to formally register a complaint against your organization for the persistent inaccuracies related to a late open account on my credit report. Despite my ongoing efforts to rectify this issue, this error remains, adversely affecting my financial reputation and creditworthiness. 

I have previously contacted your agency on multiple occasions regarding the erroneous reporting of this late open account. I have provided extensive evidence and documentation supporting my claim that this account was inaccurately reported as late. However, these efforts to correct this mistake have been met with repeated failure on your part. 

It is crucial to emphasize that the accuracy of the information contained in credit reports is paramount, as it significantly impacts individuals ' access to credit, loans, and financial opportunities. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies like yours conduct thorough investigations and make corrections when inaccuracies are identified. 

Despite my previous communications and the evidence I have provided, I continue to face the following adverse consequences due to the inaccurate late open account on my credit report : XXXX obtaining credit or loans at favorable terms. 
Higher interest rates on existing credit accounts. 
Harm to my creditworthiness and financial reputation. 
I hereby formally request that you take immediate and effective action to investigate the late open account on my credit report and correct this inaccuracy. If you find that the account was indeed inaccurately reported as late, I insist on the following actions : Correction of my credit report to reflect the accurate account status and history. 
Removal of any derogatory information associated with this account. 
Provide written confirmation of the correction and any updates made to my credit report. Enclosed with this letter, you will find copies of all previously submitted documentation, including proof of the account 's accurate status and any correspondence related to this matter. I trust that this information will facilitate your investigation and the swift resolution of this issue. Please help me correct this late open account : XXXX XXXX XXXX XXXX Balance : {$30000.00}.

Company response to consumer: Closed with explanation