BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-05
Company: EQUIFAX, INC.
State: VA
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 wrote letters date, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and my most recent letter date XX/XX/XXXX to Equifax regarding an account being reported by XXXX XXXX XXXX XXXX The letters were informing them that the debt in inaccurate, and falsely reporting and requested a letter of validation. I later realized that these medical bills were a result of a Virginia State workers comp case and should have been handled by the insurance company XXXX XXXX XXXX since I was hurt on the job. 

These letters were sent to both the credit reporting agencies and the collections agencies. XXXX & XXXX responded that the account was unable to be verified and deleted it from my credit report but Equifax failed respond to any of my complaints and continues to report this account as being 100 % accurate. 

As a result of this, my credit has been damaged and I've been discriminated against as having bad credit and denied credit because of this false information being reported on my credit report. to this day the information is still being reported inaccurate and false information is being reported

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Source Receivables Management LLC
State: MI
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:
Was told in previous complaint no. XXXX that I needed to file a fraud dispute with XXXX. Well I completed the dispute got the response only for this account to be closed on my account and then reopened a day or two later. It was verified this account does not belong to me and it should be REMOVED.from all credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: U.S. BANCORP
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
After loan was paid off on XX/XX/XXXX, I call on XX/XX/XXXX to servicer US Bank to inquire on escrow balance and refund due. I was informed the escrow amount of {$1700.00} which is due to me and that it would take 20 days for me to receive. This is an unreasonable amount of time, if late charges usually are assessed for late payments for less time. why should I wait for this amount of time after loan has been PIF? During this time no way for me to earn interest of these funds on my own personal savings account. This puts the consumer in a disadvantage to invest or use their moneys for their benefit.

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 2023-01-10
Company: Experian Information Solutions 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:
My identity was recently used to open accounts in my name using my personal information that was exposed in the XXXX XXXX  data breach. Now someone has been opening accounts under my name and making charges to other accounts without my knowledge. I have contacted the creditors and this bureau several times to notify them of the fraud and there has been no action taken! I am demanding that this information be removed immediately as it is fraudulent. This is an official NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

I been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer Meaning unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2022-03-18
Company: FIRST ADVANTAGE CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have reached out to the team at Vitalchek to procure a certified copy of my birth certificate. I supplied them with the requested Driver 's License documentation in order to process my request. 

I placed the order using the name that matches the name on my Driver 's License and the name that matches the credit card that was used to place the birth certificate request. 

Since then, I have been bombarded with non-stop interrogations by Vitalchek 's Customer Service team regarding a name variation on my birth certificate. 

The name that I currently use is the same name that I have used from elementary school through college. The name that I currently use is consistent with the name that is on my social security transcript and consistent with my passport identification. 

Vitalchek should not be used as an extension of any local or state agency 's records processing team -- Their order processing team is dismissive and abusive to the public, at large.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: TN
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Accelerated Servicing Group LLC
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a voicemail on XX/XX/XXXX at XXXX XXXX from a debt collector who did not identify themselves nor provide their license number. I was told " this <call> certainly won't be the last '' if I did not call back. I was also told that a tax form 1099C has been issued. I was told of a 10 % " temporary '' discount if paid in full. Since I do have a few credit blemishes I reviewed my XXXX and XXXX reports online and did not find anything from the company identified ... ASG XXXX, nor XXXX Holding the " original creditor. '' I researched them online and found their website and attempted to " chat '' with a Rep about the " debt owed '' and I was told very quickly that the debt is real and asked if I needed help setting up a payment. I asked for their address to send a " cease and desist '' and the " chat '' was disconnected by the Rep. There is no address listed on the website in order to forward written documentation regarding the supposed debit. I have also never received anything in writing from this company regarding the debt. I do not recognize the debt and many debts were discharged in a 2014 bankruptcy filing. Now I am being plagued with phone calls and text messages ; phone call and text at the same time today, XX/XX/XXXX, at XXXX. None of my questions will be answered by any of the Reps involved. I just need to pay so the matter can be resolved " amicably. ''

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: SUNCOAST CREDIT UNION
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the XXXX  financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
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: Account status incorrect

Complaint:
A. On or about XX/XX/2023, I received an email from XXXX XXXX wherein she was attempting to collect the debt XXXX XXXX # : XXXX. I responded by requesting the items below to validate the debt. 1. A copy of the Original Purchase Agreement from the Original Creditor that shows that you legally own this debt to the Original Creditor. 2. Proof that you are a legal debt collector in California. 3. A copy of the Bond that shows that you are Legally Registered in My State. 4. Copies of ALL Statements from Open to Close of this Account. XXXX XXXX has failed to submit the required documentation to validate this debt. However, they have submitted to the major credit bureaus they have validated this debt. XXXX XXXX XXXX didn't notify me of this debt before placing it on my credit report. 
I have disputed this debt multiple times with the credit bureaus asking them to provide the documentation XXXX used to validate the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
When I opened this account around XXXX of XXXX, I was given a credit limit of {$7300.00}. I have never missed nor have I ever been late with a monthly payment. Yet in spite of that, my credit limit has been decreased to, ( {$5700.00} in XXXX, {$5300.00} in XXXX, and {$1700.00} on XXXX XXXX ). The latter is after Ive made payments of {$180.00} on XX/XX/XXXX, and {$3300.00} on XX/XX/XXXX, towards a balance of {$5000.00}. Which took my balance down to {$1600.00}. I received a letter via email the very next day stating my limit had been dropped once again, making my available credit {$130.00}. Every time they have decreased my limit, my credit score has dropped. Then they state that my score in part is the reason for the decrease.

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 2023-02-08
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XXXX, I applied for a store credit Wells Fargo card and was approved for a {$12000.00} credit line. I paid every payment on time, but received a notice that my account would be closed in XXXX, which damaged my credit. My credit has yet to recover from the credit line being closed abruptly without cause. I reached out to Wells Fargo about the matter to only find out that weren't offering this line of credit any longer.

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 2019-12-17
Company: SUNRISE CREDIT SERVICES, INC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company calls multiple times a day, from several different numbers. Calls so far today, XXXX XXXX and XXXX XXXX. Yesterday, XXXX XXXX and XXXX. Friday XX/XX/XXXX, XXXX XXXX, XXXX XXXX and 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 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: CITIBANK, N.A.
State: UT
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021 a transaction from XXXX hit my card for the amount of {$3200.00}. I did not authorize or make the transaction. I logged into the Citi website and marked the transaction as fraud. Later I logged in and noticed the dispute button was still there so I hit the dispute button again. The dispute then showed up on the Citi website as a canceled transaction dispute so I called Citi a couple of times and validated a couple times that they have it marked as fraud and I was told it was noted on my account that it is fraud. I re-emphasized that I did not do the transaction. Citi has now marked the dispute as resolved and said I owe the money because of the terms and conditions for XXXX. I did not agree to any terms and conditions because I didn't purchase anything. On XX/XX/XXXX I was sent a message they are still looking into an unauthorized transaction on my account and then on XX/XX/XXXX they close it and say I owe it because of terms and conditions. See attached document labeled Investigation Update for the letter showing they knew I reported it as unauthorized. See the document labeled Investigation closed where they reference terms and conditions I didn't sign. And finally there is a document labeled chargeback request that is attached. In that document it shows that the booking was for XXXX. I did not book anything to go to XXXX. It also has the name, email address and phone number of the person that booked and accepted the terms and conditions. That person is not me. It is not hard to see that the name in the charge back request document and the name on my credit card are completely different as well as the email and phone number. I feel like Citi has broken laws by not refunding me for the fraudulent charges. I feel like they also have broken laws with marketing which lists on their website that I am 0 % liable for fraudulent charges. Citi did not perform due diligence on my report of fraud on my card. I am not going to play the back and forth game with them this needs to be resolved now.

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 monetary relief
Consumer complaint received 2018-12-12
Company: TD BANK US HOLDING COMPANY
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This company/attorney is trying to refile a judgement that is XXXX years old and was from a repossessed vehicle that was surrendered. Received a letter that was not dated. stated it would be refiled if not disputed in 30 days. Went to the XXXX County courthouse and they claimed I had to hire an attorney to file a response to the judgement and would not allow me to represent MYSELF. The judgement has already previously been removed from my credit per the statue of limitations and the FCA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: EQUIFAX, 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 the fair Credit Reporting act Convergent AccountS.. # XXXX XXXX  ( OPENED XX/XX/XXXX ) # XXXX XXXX ( OPENED XX/XX/XXXX ) # XXXX XXXX  ( OPENED XX/XX/XXXX ) # XXXX XXXX XXXX ( OPENED. XX/XX/XXXX ) HAS VIOLATED MY RIGHTS, 15 U.S.C 1681 section 602 states i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also stated a consumer reporting agency can not furnish a account without my written instructions misleading inaccurant accounts holding me back in life i been consistent with my certified mail goin on a year for future court records please some one -.please respect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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 existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely 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 non-monetary relief
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this accounts, 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. Equifax is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX : {$900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: FL
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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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