BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-29
Company: EQUIFAX, INC.
State: TX
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:
For the last several years i have spent over 400 hours, sent dozens of letters and made dozens of phone calls to this Credit Reporting Agency regarding fraudulent, inaccurate information, other illegal information added to my report, a willful lack of investigation with regards to my disputes, not honoring my request/demand to Opt-Out from their reporting, a refusal to take all inaccurate, fraudulent and illegal information off my report.

All this in violation of 15 USC 1681B ( A ) ( 2 ), 15 USC 1681A ( 2 ) ( A ) ( i ) & 15 USC 1681A ( 2 ) ( B ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2017-09-15
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax security breach. Will not allow site action, e-mail or phone response. No way to contact! All systems will not complete request for new freeze a family member or allow access to see if effect by breach. Equifax needs to be shut down by government action immediately to prevent any credit actions on all accounts, thus preventing any one getting ID stolen!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: TRUIST FINANCIAL CORPORATION
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Truist failed to withdraw payments as set up on autopay after going through months of working to get it set up correctly while my Dad was in the hospital and XXXX from XXXX. 

Truist also has reported three different things to each bureau which are inaccurate. They refuse to repair or remove the information so it is accurate. 

I have tried for months to get somebody from Truist to resolve this issue but continue to get swept under a rug by their resolution department. 

Im really upset.

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 2022-01-30
Company: EQUIFAX, INC.
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:
XXXX XXXX XXXX  credit card on my equifax report, is showing open and the account is closed. XXXX XXXX accounts ( 2 ) showing up on my equifax credit report closed with {$0.00} balance. These accounts are paid, and should be removed from my report! Please get them removed from my credit report. Also a collection is showing up from XXXX XXXX for {$2200.00} - This is NOT a joint account and should not be showing on my report, as it is not my collection account. Please get these XXXX XXXX accounts removed from my report, or I will be getting a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: CITIBANK, N.A.
State: NJ
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:
XXXX XXXX Account # : ... XXXX Citibank has not credited all of the payments I have made to the credit card referenced bove. I have been making regular payments to Citi Bank since the inception of my credit card account. Citi Bank has repeatedly returned these payments to my checkin g account and has reported them unpaid. 

I have attempted to correct this problem by contacting Citi Bank via certified mail and also by calling their customer service department and I have only experienced gross incompetence on the part of the staff. 

Because of Citi 's company 's gross incompetence and the damage made to my credit, my fico scores are now in the low 600 's from an a verage score of XXXX. 

Recently, I tried to refinance my HELOC and was declined due to poor credi t scores thanks to Citi Bank. 

I need help in resolving this issue and restoring my credit.

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 2022-10-25
Company: Experian Information Solutions Inc.
State: UT
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:
On XX/XX/XXXX I called XXXX to report a balance on my credit report that showed over 90 days late and was charged off. After being on hold for over 2 hours and being transferred to multiple people I received a Case # XXXX. 

On XX/XX/XXXX, I called XXXX again to report that the charge still showed on my credit report. After the 3rd person they transferred me to collections and she asked me how I was going to pay the {$2500.00} to clear the account. This is when I realized this was a fraudulent transaction. 

Someone had applied for a XXXX credit card in my name with a very old address. The collections said they would create a fraud action and that I was to find the status by email addressed to XXXX. I did that and the email bounced. I subsequently sent and email to XXXX which is a valid email address. 

To this date I have not received a response and am dreading calling tomorrow and spending hours on the phone.

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 2018-09-07
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2018 around XXXX XXXX, I deposited 2 cheques for {$200.00} each at a Chase Bank ATM in the city where I live and the cheques got stuck. They issued a temporary credit of {$400.00}. After 3 weeks I received a letter that since they could not find the cheques, they are reversing the credit. I called the XXXX-XXXX representative and the local bank and all they could do was apologize. They just advised me to ask the cheque issuer to send me replacement cheques. I deposit a lot of cheques and of course it is hard for me to trace who issued them. It is so frustrating and I am very upset about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Genesis FS Card Services, 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:
In accordance with fair credit reporting act Feb Destiny - Genesis FS Card Services, Account # XXXX XXXX XXXX XXXX Genesis FS Card Services XXXX XXXX XXXX XXXX, OR XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 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 account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
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:
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 validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I ordered a couch and ottoman from Wayfair in XX/XX/2021. I got a Wayfair credit card only because of their 0 % interest promotion ( which they're still advertising https : /XXXX ). I set my account on autopay, which has been in place since the beginning. When I logged in to pay off the balance before the XXXX year XXXX interest period ended, I realized they never applied the 0 % interest promotion to my account at all. They had been charging me over 30 % interest the whole time. I called to have them fix their error and they said because I didn't alert them within 60 days, there's nothing they can do. 

First of all, it's THEIR error, not mine. Therefore, their responsibility to catch, not mine. In fact, I don't believe it was an error at all. I think they do this as common practice to everyone who gets a credit card from them and unless the customer catches the interest charge, they do not apply the promotion.

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 2022-12-29
Company: NAVY FEDERAL CREDIT UNION
State: NV
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:
Navy Federal Credit Union is violating my consumer rights, and federal law, by reporting a late payment onto my credit report. Pursuant to 15 USC 1666b, payments can't be reported for ANY reason. This is against my privacy, which is also a defamation of character. 

I've informed them more than 5 times to remove this, as it violates my privacy and is defamation! It has hurt my character, which has hurt the banking system. Navy Federal 's reporting of my payment history goes against the intent of the congressional purpose, pursuant to 15 USC 1681.

I've also informed the Credit Reporting Agencies of this illegal activity, in which they continue to violate my consumer rights and federal law by reporting this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023 an ACH was on my bank statement deducting {$3600.00} from my account. In the 20 years that I have had this account I have never had an ACH transaction. I did not even know what it was.

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 2019-01-10
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
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 received my chexsystems report and I noticed there are some inquires that are not mines and I open up a disputes on them in the past and they were denied and I provide them documents in the past and they didnt do anything about it ... .. there are several inquires from XXXX  on the behalf of XXXX XXXX XXXX .... and all the inquires are not done by me or nor I do business with these companies there one for XXXX XXXX  on XX/XX/XXXX I didnt apply for XXXX XXXX and I didnt apply for XXXX XXXX on XX/XX/XXXX and there is inquires for XXXX XXXX XXXX on XX/XX/XXXX I didnt apply for XXXX inquires XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2019-05-24
Company: CL Holdings LLC
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Jefferson capital reference XXXX Original creditor XXXX XXXX XXXX XXXX We have an agreement that pay only certain amount. they give an discount not to pay all the amount that initial was. XXXX. We agree to it pay {$830.00}. 

I pay XX/XX/XXXX {$270.00} I pay XX/XX/XXXX {$57.00} I pay XX/XX/XXXX {$120.00} I pay XX/XX/XXXX {$120.00} I only own them {$250.00} between XX/XX/XXXX and XX/XX/XXXX. And my account of transunion said I own them more than {$800.00}. And that no true. I will appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: NC
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:
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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX sued me and found out I have no taxable income. They voluntarily withdrew. Since they have done several different credit reporting tactics to ruin my credit and impact my ability to an accurate credit report. Short of obtaining my own legal representation I don't know what they are doing is above board. They are reporting a charge off as an open account on the only credit reporting agency that most lenders use ( see attached ) FICO. They are reporting the charge off as new every month so it unfairly impacts my score. This account charged off in XXXX but as of XX/XX/XXXX the charge off is posting as new and open ( see attached ) yet reporting closed in the description of the account. I had only one other account, XXXX, and they posted the one charge off in XXXX and haven't posted it since, which is the way it's suppose to be reported. You can only charge an account off once yet XXXX XXXX has reported a new and open charge off every month since the original charge off in XXXX on my FICO account. This is unfair and damaging to my ability to recover from a financial hardship and a low point in my life. When I became XXXX and could no longer work.

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 2018-09-07
Company: ENOVA INTERNATIONAL, INC.
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
We got a small XXXX dollar loan in XX/XX/2016 to pay off my wife schooling have made regular {$270.00} bi weekly for 2 yrs and have only paid off {$800.00} of the principle. Why is it legal for a paday lender to charge 299 % interest on a loan? Isn't the government suppose to protect the people from usury rates? It's really frustrating to try and better your life by getting an education but then be a slave to a debtor for years when you have paid back the loan amount almost 3 times the amount borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked again my credit report and found that some of the data were still incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: TX
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 sent a letter on XX/XX/22 to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX .... Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} 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 2023-01-27
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2019-05-24
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of 2019 I paid my balance in full of {$50.00} to XXXX XXXX XXXX. I received an email from XXXX last week saying that there was a new account added to my account from a company called ConServe. I called XXXX and XXXX to dispute. They both informed me that this account was reported XX/XX/2019, AFTER i had paid my balance. I called the company last Friday XX/XX/XXXX and asked them to look into the matter and remove the account ( the first time I had ever had contact with this company ). I have no contract with them, nor knew of them until after the fact. I called XXXX today and they said the company had update the information to say " Paid in full ''. I asked them to submit another dispute. This account was report AFTER I paid in full.

Company response to consumer: Closed with explanation