BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-22
Company: LEXISNEXIS
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: Account information incorrect

Complaint:
I have requested per 26 u.s code 108- for all discharged information to be removed. Credit Reporting bureaus do not and can not report income.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: NY
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 XXXX Account # XXXX, # 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

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 2019-09-08
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:
Equifax - XXXX XXXX {$1300.00} XXXX  XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1300.00} XX/XX/XXXX, The account was transferred/sold to a debt collector, i informed all 3 CRA 's that there shouldn't be a balance, past due balance, and a scheduled monthly payment on a closed, and transferred/sold account. But there have responded saying the account meets FCRA even after i sent them proof of the letters from the collectors. Additionally, 3 years worth of payment history is missing, they removed from XX/XX/XXXX to XX/XX/XXXX and are reporting XX/XX/XXXX as the date the account was charged off/closed when the actual date the account closed is XX/XX/XXXX. 

Equifax - XXXX  XXXX XXXX {$870.00} XXXX  - XXXX  XXXX XXXX {$870.00} XXXX XXXX  XXXX XXXX {$870.00} The account was sold to XXXX XXXX XX/XX/XXXX but it is still reporting a balance, and a past due amount. There are also other various inaccuracies that i have pointed out to the credit reporting companies such as the date which the account was closed, on Equifax it shows XX/XX/XXXX but then there is payment history after that date, XXXX  says account was charged off in XX/XX/XXXX after the account defaulted for 60 days, XXXX says the account was charged off XX/XX/XXXX after being late for 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: NE
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 want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery Associates was served a Notice of Claim and Dispute Affidavit. Accompanying the affidavit was an exhibit regarding their companys violation of my consumer rights and an invoice for those violations, dated XX/XX/XXXX. To present, Portfolio Recovery Associates has not rebutted the affidavit nor have Portfolio Recovery Associates sought to grant the remedy owed to me, but have acknowledged after harassing me for months and negatively harming my credit score, that in conclusion of their investigation in response to my affidavit, they were removing the account from my credit report. Please see attachments. Enclosed is my good faith with clean hands attempt to resolve this with Portfolio Recovery prior to seeking default judgement, pursuant to Rule 55. The attachments include : Tracking information with signature return receipt, Private Notice of Claim and Dispute dated XX/XX/XXXX, Exhibits of Portfolio Recovery Associates violating 15 U.S.C 1692, Invoice dated XX/XX/XXXX for 15 U.S.C 1692 violations, and Notice of Settlement Offer dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Block, Inc.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Friday XX/XX/XXXX, XXXX I received many notifications about transactions I was not making. XXXX {$19.00}, XXXX {$5.00} total of 31 transactions {$200.00} customer service were not helpful and asked to dispute transactions on the app, which, I would have to do one at a time since its a 7+ step process. I thought it was insane and got very upset and asked to speak with the Representative XXXX XXXXXXXX XXXX s supervisor but he hanged up on me. 
I called back and spoke with XXXX a representative that was able to explain everything but we still have to do one by one me answering 7 questions per transactions. And Im not sure if why they were not able to catch these fraudulent transactions when they were so many, consecutively less than a minute apart. They told me this does not happen very often and I don't believe that is the case since, months ago, they duplicated 5 of my transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 would like to dispute and have remove a XXXX XXXX Account with a balance of XXXX and was reported as Closed on XX/XX/2014. This Account is inaccurate and incomplete its missing a complete payment history there are several months missing and not included. I have disputed This Item several times however it continues to be verified as accurate

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 2023-08-09
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: Albert Corporation
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
The online company " Albert ''. I opened an account with them. I was unhappy with how they were taking money from my other checking account without warning of which days and undisclosed amounts so I tried to close the account. They will not let me close thier account. They are holding {$3.00} in an investment account of mine. They said I need to transfer that first. Ok fine no problem. Expect that it doesn't allow to transfer. Thier answer is sorry you have to... So I am being forced to keep this account open that I do not want. I have tried to deal with customer service. I'm just going to complain about this company every where I can now so maybe they will fix this. I want this account closed!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
OnXX/XX/2023 I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14,1995), 
you may be liable for your willful non-compliance. 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.

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 2023-08-09
Company: EQUIFAX, INC.
State: NV
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 my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-01
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/19 I requested a payoff from my Mortgage Company, ( Carrington Mortgage ). At this time, I had not yet paid the month of XXXX. I noticed that the interest amount noted on the statement also included the month of XXXX totaling {$1900.00}. I also noticed a {$42.00} late fee which, per Carrington does not get accessed until the XXXX of each month. I called to speak with a Carrington representative and they told me to that I would have to pay the values shown or the payoff would not be accepted from my new Mortgage Company. They also stated that any the additional overpayment would be refunded to me once the loan was paid off. I paid the month of XXXX so as to be up to date and requested an updated Pay off. 

on XX/XX/19, I received a revised Payoff statement which no longer calculated a late fee but it is still holding {$980.00} for the month of XXXX. There are no recording fees or other fees noted on the last payoff statement. 

The mortgage was satisfied in full on XX/XX/19. I had a pending escrow balance to be returned to me in the amount of {$1200.00} as well as the {$980.00} advance interest payment for XXXX. The mortgage note in XXXX was no longer held by Carrington and was paid in full on XX/XX/19. After several attempts of attempting to reach Carrington and getting no response, I did receive the escrow check for {$1100.00}. They short paid {$91.00} with no explanation and to date they have not returned the overpayment in the interest for XXXX. I have attached copies of both pay off requests. A copy of a statement reflecting the escrow balance as {$120000.00} after my XXXX payment as well as confirmation of the loan payoff to Carrington on XX/XX/19 and the check copy for the escrow funds. 

Please help me get this resolved and the remaining balance of my overpayment returned to me. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
I am deeply concerned about the accuracy of my credit report because I have found several inconsistencies that seem to conflict with my financial records. These discrepancies have prompted me to write this letter formally contesting these entries and kindly asking for your immediate attention and assistance in diligently resolving this issue. 

Upon careful review of my credit report, I have noticed that certain items appear to contain inaccurate information. I have attached copies of all letters sent below for your reference. 

Recognizing the importance of accurate credit reporting, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 611 and 608, to contest the accuracy of these disputed items. I trust you to conduct a thorough investigation in accordance with the FCRA to promptly correct any errors. 

Maintaining a truthful and transparent credit profile is crucial for fair financial assessments. Given the urgency of resolving this matter to protect my financial credibility, I implore you to handle this dispute with the utmost seriousness and professionalism it demands. 

I greatly appreciate your commitment to upholding the principles of fair credit reporting, and I am confident that through our collaborative efforts, we can address these issues in compliance with the law and restore my trust in your reporting services. 

I kindly request that you keep me updated on the results of your investigation and any steps taken to rectify these inconsistencies. Please feel free to contact me using the information provided if you require additional details or documentation. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and an accurate credit report that faithfully reflects my current financial situation.

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 2023-08-09
Company: EQUIFAX, INC.
State: IL
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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I was just looking over my credit report and found some inaccuracies that I am demanding you correct. 
According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuraces for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. 
Here are the inaccuracies I have identified : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect balance or past due amount Instruction : The account balance of {$21000.00} is wrong, and so is the past due amount of {$0.00}. Please correct these inaccuracies or remove the account per FCRA accuracy guidelines. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect balance or past due amount Instruction : The account balance of {$12000.00} is wrong, and so is the past due amount of {$0.00}. Please correct these inaccuracies or remove the account per FCRA accuracy guidelines. 
Thank you, 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 2023-08-09
Company: EQUIFAX, INC.
State: LA
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 account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting 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:
The inquiries are unauthorized and they are not related to any transaction by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-07-14
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
1. Citi is currently offering a 0.99 % balance transfer thru XX/XX/XXXX online.

2. When I logged in to my account online and tried to choose the option to have this direct deposited into our account atXX/XX/XXXXXXXX XXXX XXXX XXXX  ( XXXX  ) I received a message that " The deposit account you entered is not eligible for this type of transaction. Please request a check by mail. '' 3. I called Citi and the CSR attempted to do the transfer herself and told me she could not complete the transfer because " XXXX  does not allow it ''. 4. I called XXXX  and was informed that they do not block deposits from ANY source, including Citi.

5. I called Citi AGAIN and went through the same process. Was informed it was " probably a restriction by Citi, not XXXX  '' and that they " did not do Check by Mail any more '' 6. I asked to speak to a supervisor who refused to tell me WHY there was a restriction and WHY they would not send a check by mail.

7. The supervisor disconnected us as we were again trying to explain the situation.

8. Citi has previously mailed us checks for a similar offer with a shorter grace period. the instructions indicate I can deposit these checks into my bank account or pay any other creditor ( besides Citi, of course ).

9. Basically, Citi is DENYING us access to our credit under more favorable terms, yet there is no indication of any limitations in the offer language on the website. You ONLY learn you can not use direct deposit as an option after submitting the request ( see # 2 above ).

10. Please note : This is the SAME checking account I PAY my Citi bill from. So, it appears they will TAKE money from this account, but not honor it like any other bank account for a transfer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: U.S. BANCORP
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We paid for an appliance repair facility nearby to repair an appliance. They refused to provide the service after visiting to diagnose the problem, so we disputed the {$160.00} charge with our credit card. This transaction fully complied with the Fair Credit Billing Act dispute rules. 

After entering the dispute, Fidelity Cardmember Services sent us a letter that included a form requesting nearly all of the information already provided to them in writing when we filed the dispute. The letter stated that if we did not complete the form, they would continue the dispute using the information we had provided them to date. Since we provided all of the relevant information, we did not respond to the letter. 

A few weeks later we received another letter stating that because we did not respond to the previous letter, they were closing the dispute and taking no further action. This was in contrast to what the previous letter stated. 

Fidelity Cardmember Services violated the FCBA and misrepresented how they would handle the dispute.

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