BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-12
Company: EQUIFAX, INC.
State: AR
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 submitted an online dispute with Equifax on XX/XX/2020. Today is now XX/XX/2020 and the two disputed accounts still show " Consumer Disputes - Reinvestigation in Process. '' XXXX XXXX XXXX - XXXX - Reporting as a Charge-off account which is inaccurate. 

The XXXX  XXXX XXXX  - XXXX - Reporting as an Open Revolving account which is inaccurate.

I called Equifax on four separate occasions today and spoke with four different agents. I informed them all that the accounts were still in a Reinvestigation status and I have not received results within the required 30 days. They all verified what I was saying was true. They verified the dispute start date. They also verified that the accounts were still showing a Reinvestigation in Process status. I told them that I was patient and decided to give 45 days to receive the results. It is now past 45 days. They informed me that they would not delete the accounts ; which is a direct violation of the FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Contacted Santander in reference to a vehicle loan in XX/XX/2020. The vehicle was totaled 2 years ago however after the insurance company paid them {$15000.00} Because of the extreme interest I still had a balance of {$8000.00}. Ive paid until until the Shelter in place order in GA came up. I called them in good faith to settle this account since I dont have the car and just want to make good, but was denied a good option. I sent a request on Social media ( XXXX ) and to spare themselves the publicity someone reached out promptly with an option of reducing my payment by {$1.00} per month. I reached out again on XX/XX/XXXX and to escalate this matter and yet to receive a response in which I received an automated response stating Someone will contact me in 24 to 72 hours and weeks later nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-12
Company: CITIBANK, N.A.
State: MD
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:
I am enclosing my dispute information in the pdf. As of XX/XX/11 Citibank has again sided with the merchant but has not provided me with any documentation electronically ( email, website etc. ) or otherwise as to the reason why or the documents that merchant supposedly made available to them or its response.

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 2023-09-07
Company: Experian Information Solutions Inc.
State: IL
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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-12-14
Company: CITIBANK, N.A.
State: OH
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:
On XX/XX/XXXX, Home Depot ( CBNA/THD ( Home Shopping ) made a hard inquiry on my credit without my permission. I complained to customer service. They told me that they would forward the matter to a supervisor to look it to what can done. Today I received a letter stating that no late payments had been reported to the credit bureau. ( Letter attached ) Well, I already knew that, and, that was not the issue. I want the inquiry removed since I did not authorize it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Velocity Portfolio Group
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I received notification From CKS Prime Investments collecting from XXXX XXXX. I have never heard of any of them. I did some internet searches stating both companies were nothing but fraud. I did not do anything. Then I started receiving letters from lawyers stating they would like to handled my case. I didnt know there was a case out there against me.

I was served papers. I called the courthouse to see if these were real. I was told to call the Plaintiffs lawyer. I called their lawyer and I explained that my named was spelled wrong and that I was not XXXX. I told her that was usually for XXXX. She told me that the people that took out this credit card was in New York. I have never lived in New York or had family or friends that live there. She told me she was going to file fraud paper work and get the paper out to me to fill out. I have not received them as of yet. 

I also started complaining to XXXX XXXX  and had quite a few texts from them. They told me to email them. I did then never heard a word. I sent another text, that time the text was not that nice. 

Im at a loss and dont know what else to do please help

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 2020-08-12
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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize these inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: CA
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 APPRECIATE your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-08-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
the problem was Identity theft and funds where transferred from my checking account to a XXXX credit card that is not mine I then filed a fraud report with wells fargo and filed a police Financial Crime Report and Filed with the FEDERAL TRADE COMMISSION a Identity Theft Report and filed a EXTENDED ALERT REQUEST with XXXX and sent a copy of my bank statement and a copy of all the forms i filed to wells Fargo so they would reimburse my XXXX that was fraudulently taken from my checking account this happened on XX/XX/2020I sent all forms to wells fargo on XX/XX/2020as of this day XX/XX/2020 I have not received a reply or any kind of notice from the bank the only letter I received from wells fargo which is dated XX/XX/2020 is a letter claiming they are not going to reimburse my money to my checking account that i closed out I am sending off today XX/XX/2020 a follow up letter to wells fargo from the last letter i sent to wells fargo XX/XX/2020 and today a second fallow up letter it has been 104 days and no reply from the first letter and I also had been applying for a mortgage loan and when all this of COVID19 they put my loans with wells fargo on forbearance so the after i did not qualify for the mortgage loan because of that and so the charged me XXXX dollars for loan fees

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 2018-04-18
Company: ECMC GROUP, INC.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I was notified by collection agency " XXXX XXXX XXXX XXXXXXXX XXXX, XXXX '' ( see attached ) on XX/XX/XXXX regarding a tax debt with XXXX XXXX XXXX XXXX for {$940.00}. I responded back to collection agency with a certified cease & desist letter on XX/XX/XXXX ( see attached ) explaining my intension of resolving the account with the original creditor. I have since hired a professional CPA on XX/XX/XXXX who was given my Power of Attorney to resolve any debt with XXXX XXXX XXXX XXXX. Today XX/XX/XXXX my bank notified via automated text alert of a large withdraw in the amount of {$5100.00} made by " XXXX XXXX XXXX XXXX XXXX, XXXX '' with no authorization or notification. This was all the money in my bank account that I currently have checks written out to pay bills with.

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 2023-10-13
Company: EQUIFAX, INC.
State: IL
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 earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2020-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A few days ago I noticed my credit scored took a dive by 65 points I wondered why as there had not been any activity on my credit use. Upon examining my Trans Union report I noticed that there are duplicates that have been posted on my report. They are listed under XXXX XXXX and shows to be posted as of XX/XX/XXXX for XXXX XXXX XXXX, that's strange because this bill has already been posted back in XX/XX/XXXX for {$980.00} There is also a posting from XXXX XXXX which was posted XX/XX/XXXX for XXXX XXXX XXXX for services rendered on XX/XX/XXXX in the same amount of {$980.00} Then there are three additional postings from XXXX XXXX for XXXX XXXX XXXX for services rendered XX/XX/XXXX in the amount of {$710.00} this one is listed two times and yet another one from XXXX XXXX for XXXX XXXX   listed on your platform with the others on XX/XX/XXXX for {$710.00}. I noticed you didn't catch either of these Trans Union and because you lied about investigating the inquiry that appeared on my credit report as a result of some one steeling my ID my attorney and I will be preparing Affidavits in preparations for a law suit against you and we are also preparing information to present to several government agencies like the FTC. I am fed up with you Trans Union and your thoughtless stupor thinking that no one will notice your neglect. I have warned you in times past that I suffer with XXXX and am not supposed to be under this stress, so if you're trying to kill me, you failed. On one last not, XXXX  and XXXX XXXX of XXXX violated my HIPPA rights to privacy by sending out my medical records with out my consent, so we filed major complaints with the OCR who investigated and contacted them both with warning of this violation, so we, my attroneys and I suppose they have listed these things on your platform as retaliation which is also illegal, we are addressing this also. We are coming after you Trans Union in a law suit as well as other charges against you and we are recomending that you you be fined XXXX XXXX XXXX XXXX and XXXX XXXX dollars and there are going to be consequences for your lack of attention. I AM FED UP WITH YOU.

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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 an 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: Experian Information Solutions Inc.
State: GA
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 have a credit card with XXXX XXXX XXXX Bank. I have disputed reporting of this account with Experian XXXX times in last 90 days. The account status shows neither opened nor closed, reports no history, no credit limit or balance. Reporting by XXXX and XXXX are correct. As a result, the credit score calculated and reported by explain is incorrect. Since it is one of my oldest accounts ( XXXX  ) and carries a low balance compared to high limit, my score is being negatively affected. The dispute results with experian are laughable. Nothing changed.

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 2020-08-11
Company: CITIBANK, N.A.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Citibank best buy has reported an unauthorized inquiries on my XXXX   credit, I also have a theft report number 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 2023-10-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a solar panel loan with XXXX XXXX XXXX XXXX i defaulted on when my house went into foreclosure for aprox {$37000.00}. At some point they either sold it or have a company called XXXX XXXX XXXX is also reporting it but at a {$40000.00} balance with XXXX listed as original lender. This is double reporting from understanding it should be one or the other only reporting. Makes it look like i owe double what i do. This is on my XXXX credit report. its also prob on my XXXX and equifax too.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: Grain Technology, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Grain 's phone app does not work properly, making it impossible to make payments on time. I finally got in and began to insure that payments are made and they charged the account off without analyzing the app and it's working issue. They reported this account unjustly to the credit agencies causing my credit great harm. I was never contacted before this mark was placed on my consumer report which violates my rights under the FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 

I have reached out and have not been helped. I am being unjustly punished for their mistakes

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: OH
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:
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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 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 2018-11-09
Company: SYNCHRONY FINANCIAL
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was going through a little lack of work. I got some late fees waived on XX/XX/2018 payment due date was on the XXXX of every month I been a Walmart credit card holder for two years going on 3 and I didnt receive any emails or anything in mail stating my account was closed on XX/XX/2018 I went to make a payment to use card in store and I realized I was speaking to a collection agency I then had to find out why my card closed and they said it was bc of delinquency and my recent statement shows active due XX/XX/2018 I dont have credit card protection for card its not available I have had worse times than this and now my credit is critically damaged unnoticeable this is not right.

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 2023-03-03
Company: Experian Information Solutions Inc.
State: IL
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 fair credit reporting act convergent XXXX XXXX account # XXXX has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 2682 section 604 A section 2 : it also states consumer reporting agency can not furnish an 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