BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-23
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: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these erroneous items to be authenticated ( A ). I will take legal action against you if you do not fix these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, 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:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized.This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: CITIBANK, N.A.
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:
Around 2 weeks back, my credit score went down by XXXX points, when I have never missed any payment ever. 
I called XXXX and found out that there is a credit card debt in my name. After looking deeper into credit report, found a Citi bank account associated with my SSN that I never opened. It has a balance of {$13000.00}. So I opened a dispute with XXXX to fix this fraud situation and take it out from my SSN. 
Also, reported the issue to Citi bank immediately. Citi bank did their investigation and confirmed to me on the call that this account is not associated with my SSN anymore and it was indeed a fraud. 
XX/XX/XXXX, My credit score again went down by another XXXX points. I contacted XXXX to find out that the Dispute is now closed, as per the creditor the account is still associated with my SSN.

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 2022-11-23
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

DEPTEDXXXX XXXXXXXX Balance Owed : {$1000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This company has been harassing me for the last two months. I have not had any rest. During the first month during the transitional period. Documentation are sent showing they did not wait for formal mortgage company to send funds. The calls began on XXXX requested pay-off quote and process begin on XX/XX/XXXX. They took {$570.00} from my account on XX/XX/XXXX and began harassing calls to my home on XX/XX/XXXX @ XXXXXXXX XXXX XXXX, XXXX stated an error has occurred on my account and would be corrected. On XX/XX/XXXX XXXX calls me on XX/XX/XXXX @ XXXX XXXX. concerning the same problem. Again I requested a supervisor, and XXXX states that the error takes ten days to correct. Today XX/XX/XXXX I get another harassing call about due payment. I was informed that my pay-off payment was received on XX/XX/XXXX. I call back requesting supervisor XXXX, concerning this predatory harassment. My bank sent my mortgage pay-off to Select Portfolio Servicing on XXXX and funds were received on XX/XX/XXXX. This business should not be in business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: MO
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 submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX  XXXX XXXX Balance : {$490.00} XXXX  XXXX Balance : {$15000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax has been reporting erroneous and fraudulent information violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am seeking to bring litigation to Equifax because my character has been defamed. I demand that these inquires below be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fare credit reporting act XXXX  account # XXXX, have violated my rights.

15 usc 1681 section 602 states I have the right to privacy.

15 usc 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666B : A creditor may not treat a payment on a credit card under a open end consumer credit plan as late for purpose.

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 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
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:
In accordance with the fare credit reporting act XXXX account # XXXX, have violated my rights. 
15 usc 1681 section 602 states I have the right to privacy.

15 usc 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666B : A creditor may not treat a payment on a credit card under a open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: MI
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., Account name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX, has violated my rights. 

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reviewed my Consumer Reports and noticed that I had a late payment on XX/XX/2022 XXXX XXXX XXXX XXXX .... account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account : XXXX XXXX XXXX XXXX .... Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a new Citibank account on XX/XX/XXXX. They advertise that depositing {$15000.00} between your new checking and savings accounts and maintaining that balance for 60 days will net you a {$400.00} bonus 90 days later. I left the required amount in Citibank for the entire 150 days. It's now 152 days later and I still haven't been issued my bonus. When I went into the branch to complain, they told me that the account had to be originally funded via cashiers check ( not cash ) When I told them that wasn't in the terms of the original agreement, was not mentioned in any of the promotional material, and that no one mentioned it to me when I opened the account in the very same branch ( while referencing the {$400.00} bonus specifically ) they told me there was nothing they could do but open an inquiry. 

Here is a link to their promo. The terms are exactly the same with the exception that the offer dates have changed since I opened my account : https : XXXX? XXXX & XXXX ( I will also add this as a screenshot attachment in case that link goes missing ) As you can see there is nothing in there about the method of funding. It just says deposit {$15000.00} in new to Citibank funds between the new checking and savings accounts, and to maintain that balance for 60 consecutive calendar days. That's exactly what I did and I still haven't been given my bonus.

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 2023-02-27
Company: JDJ Investments, INC.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have written into CBS Collections on XX/XX/2022 ( document attached ) concerning this illegal debt. I have no contractual business obligation with CBS Collections, therefore CBS Collections should NOT be reporting a delinquent account to my XXXX, XXXX XXXX XXXX credit bureaus stating that I owe, {$300.00}. Nevertheless, CBS Collections is NOT licensed in the state of Louisiana to " collect '' delinquent debts on behalf of anyone ( document attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
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: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021

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 2023-01-18
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/23 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXX Balance : {$510.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: MO
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 have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Target is charging me a {$40.00} late fee PER MONTH on the running balance! THIS plus interest on the running balance. THIS IS OBSCENE AND USURIOUS! 

I shall not pay the late fees on running balances and SHALL DECLARE BANKRUPTCY IF NECESSARY TO AVOID PAYING THE LATE FEES!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: PNC Bank N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Ive had issues with PNC Bank since they acquired XXXX. I would have NEVER chosen them after the 8 month experience I have had. 

Since XXXX of XXXX, I have not been been able to log into my account via mobile or desktop to pay my bills. Finally I was able to just pay the balances through the phone which inconveniences me because I have to wait on the line. Moving forward to XXXX when I finally had access to log into my account I would be denied of adding external checking accounts and errors would appear on the desktop version ( mobile does not permit adding external accounts ). It was implied it would be easier if I would just create a checking account with them, in which I do not need. When I reported this issue with them they brought up to tier 3 support and told me that they would call me back. I never received a phone call or email in regards to the case. On my final decision to just continue to make payments via phone, I go ahead and make a phone call and pay with an automated option. I paid for the balance, the money was removed from my external checking account, and later then deposited back and then was sent a later that the payment did not go through. PNC has made it impossible to pay for credit card bills unless you have a checking account with them and that is predatory. I finally called again last Monday to pay the remaining balance and asked the agent to ensure that if I pay that balance it goes through first ( this is voice recorded on their end ) and proceed with cancelling my account. I was assured that would be the case. One week and one day later, no balance has been removed for my last payment, and the account is closed so I am unable to log in to see what is the hold up. I have worked so hard to raise my credit score over the years, and am mortified to see it go down due to PNCs negligence. Please help me, I do not want this to happen to anyone else. They do not value their customers, most especially anyone that came from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: DISCOVER BANK
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
We opened an account with Discover Bank in XXXX of this year with {$25000.00}. During this time period Discover bank was running a promotion of crediting savings accounts opened with an additional {$200.00} if the balance deposited was {$25000.00} or greater. After initialing opening the account, I didn't see any confirmation of the {$200.00} credit. I contacted customer service who told me a code needed inputted to receive the credit. They assured me that the code had been applied and I should receive the {$200.00} in our account within the next two months. 

Two months later, we still hadn't received any credit. I contacted customer service numerous times and they informed me that no code had been applied. They asked me for the code which I no longer had. I sent them a similar Discover promotion online with a code and they informed me that that code was no longer valid and they would not be able to credit me the {$200.00}. I had told them my previous conversation with customer service at the time of opening the account and if they checked their records they could see that I had been assured all was in order and that I would receive the credit. They did not even respond to this other than to say they were unable to give me the credit. It felt like a bait and switch scam. We have closed this account as we do not want to do business with an unreputable company. 

We are also contacting the Ohio XXXX Attorney General as we feel there may be a class of people that this involves and could also involve criminal activity by the bank. We are seniors and feel we were treated with little regard and taken advantage of. 

Thanks for all you do! 
XXXX and XXXX XXXX

Company response to consumer: Closed with monetary relief