BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-03
Company: EQUIFAX, INC.
State: PA
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:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXXXXXXBalance {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ACCT # XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance Owed : {$110.00} ; XXXX XXXX XXXX Balance Owed XXXX {$270.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$110.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-21
Company: Direct Recovery Services, LLC
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I am having an ongoing harassment issue with XXXX XXXX XXXX doing business as DRS. they have repeatedly called family, friends, relatives, ex employers and current employers. Every number they have in their database they have called. i spoke with them, a woman who gave her name as : XXXX XXXX and a man who gave his name as simply " XXXX XXXX '' who refused to give me a first name. I asked them not to call my family or my employers, they told me they had the right to do so and would continue to do so. They have left messages in detail on answering machines and have caused me problems with family complaining about it to me. My ex supervisor called me to play the messages, which are insulting and humiliating. Worse of all i have no idea what they are collecting on. i have disputed information with them and the disputes go nowhere. When I call i am told they will continue to call because they have the right to do it and if I want to make the calls stop I have to pay them. 
This has gone on even after I called them on a recorded line on 3 occasions and asked them to stop harassing me and my family members,. I asked them not to call my job and definitely not to leave messages on any machines. All to no avail. 

XXXX has even called people in other states. Totally disheartening. I am looking into legal recourse, because not only will they not copy me on information in dispute now they are disregarding my numerous requests to have my privacy respected. my employment respected. 

I am asking this agency for oversight to this matter and nothing more. i am in need of assistance and have absolutely no confidence that this company will do the right thing. They have already shown me enough with their rude employees and worst practices to continue to navigate this problem on my own without outside assistance. Thank you kindly.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the police report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}, and XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$1500.00}.

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 2021-03-20
Company: EQUIFAX, INC.
State: UT
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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I was victim of fraud via phishing. Without a proper investigation, the bank ( Citibank ) denies my claim stating that I have provided account information or authorization for the transactions. 

On Tuesday, XXXX XXXX, XXXX at XXXX I received a text message for XXXX : Citi : Your Citi ONLINE ACCOUNT has been temporarily locked due to a suspicious activity. Visit XXXX XXXX XXXX to verify yourself and regain access. 

After clicking on the link, it directed me to the Citibank sign in portal page, in where I entered my User ID and Password, and I closed the page afterwards. 

Later that day, I received an email from my cell phone server " XXXX '', saying that my XXXX has been changed from a number to another number, and had no phone service after that email. I called XXXX and they advised me to go to a store and get the SIM card replaced, I did so. 

On Thursday, XXXX XXXX, my XXXX has been changed form a number to another number, and I had no phone service. 
Later that afternoon I received an email from XXXX account team saying that my password was changed. 
I had no phone service, neither access to my emails. 

I checked my Online Banking Account and I spotted 3 unauthorized pending wire transfers transactions and a XXXX transaction. I called the bank several times and reported the XXXX fraud, they ask me to call back to report the Wire frauds the morning after due that the Wire Transfer Department was closed after XXXX. 

Recipient : XXXX XXXX : {$5000.00} Citi bank was able to stopped the wire on XX/XX/XXXX. 
Recipient : XXXX XXXX : {$7000.00} were wired out of my account. Bank has denied my fraud claim. 
Recipient : XXXX XXXX : {$900.00} were wired out of my account. Bank has denied my fraud claim. 
{$2500.00} trough zelle founds out of my account ( recipient : XXXX XXXX ). Bank has granted me the claim. 
Personal Loan trough CITI ( was denied, I sow the denied email today after recovering my email account ).

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 2021-03-19
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have account with Marcus back. It is a savings account. It has been in good standing. 
Marcus sent me an offer to add {$10000.00} to the account and keep it for 90days. 
I did that. 

My login stopped working so I called Marcus bank they told me that they made a business decision to close my account and no reason was given. No choice was given and no notice was given. 

This bank is a fraud and I have seen this in last 30 years that a back had decided to close your account and forefiet my {$100.00}. 

I am wring to you this but I do not think anything will do done to the monster bank as this is bank control the govt. I hope I am wrong and you go after this bank and fine them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: Chrysalis Holdings LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I would like to bring to your attention the unethical Veteran 's Administration ( VA ) mortgage loan procedures of NEWDAYUSA mortgage company. I have had VA mortgages in the past and I am looking to refinance my current mortgage which has {$57000.00} remaining principal at a rate of 3.75 %. I answered a mailing from NewDayUSA which said NO appraisal was needed. One of the first things the agent said was " There will be a {$500.00} to {$600.00} appraisal fee, but we will pay it and add it to the closing costs. '' I was offered a 30 year {$150000.00} loan at 3.5 % to pay off the current 15 year mortgage, and {$15000.00} in other debt ; plus cash for remodeling. The agent than listed the fees and closing costs : a {$7700.00} fee that the VA supposedly charges! ; {$4000.00} escrow ; {$2900.00} title and other closing costs ; {$2100.00} fee that NEWDAYUSA charges ; {$4300.00} fee that was not explained. Total {$21000.00} in closing costs. NewDayUSA 's offer was a 30 year loan with a principal balance of only {$20000.00} more than my original mortgage principal which is a 15 year loan ( {$150000.00} vs {$130000.00} ; and payments would be {$40.00} more than my current monthly payment ). 

NEWDAYUSA is scamming veterans and needs to be investigated. I am aware that mortgage companys add costs to the loan balance but these fees are totally unreasonable. Something needs to be done.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
In XX/XX/XXXX I closed my AMEX Platinum card and at the time of closing I did not have a balance or any pending charges. Much later I noticed a 30 and 60 day delinquency ( XXXX and XX/XX/XXXX respectively ) associated with the account on my credit reports. I had not been notified of any balance and did not have access to the card 's online dashboard after closing the card. Knowledge of charges occurring months after account closing are not the customer 's responsibility ; it is the responsibility of the credit card company to either prevent these charges from occurring in the first place or to make the customer aware of their existence. In Q4 XXXX I called AMEX to get an explanation of the charges which they were not able to provide. I explained that I was not made aware of these charges or their late status and would be happy to pay whatever I owed but would like the derogatory credit marks to be removed as the charges were clearly added months after the account was closed. I was told by the representative that the marks would be removed and after several months no action had been taken. In XX/XX/XXXX I filed disputes with each of the credit reporting bureaus but the marks were not removed, only an on time payment status was added to my credit reports for XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-01
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: EQUIFAX, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
This company is purposely reporting an account wrong in an attempt to hurt my credit. They are adding fees way after the fact, and lying about the date of last activity so that they can keep this account on my report longer than the statue of limitations. 

I sent a validation request to this company on XX/XX/2021. They responded that my balance is {$3900.00}. They are now reporting on my credit report {$3900.00}. they did not include all information requested in my letter. 

They are adding hidden fees along with blatantly lying to the credit bureaus.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2021-03-20
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: Public record information inaccurate

Complaint:
There are chapter XXXX bankruptcies on my credit and two accounts that do not belong to me I have contacted the court regarding this they are saying this is not verifiable and these are not mine that is why I am calling the courts trying to see what is going on. I have been writing to Experian XXXX and XXXX regarding these and there has been nothing happening this has been a year and a half. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : U.S. BANKRUPTCY COURT Account Number : 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 2021-03-20
Company: SLM CORPORATION
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
When i graduated XXXX XXXX with an XXXX which was around XXXX, I reached out to XXXX XXXX to start making payments on my private loans. I remember being in forbearance for a year or two but then decided to start paying my loans because I wanted to build my credit and get rid of those loans as soon as possible. I had multiple discussions and arguments with Salliemae because they were never willing to work with me on a payment plan. During XXXX, someone I spoke to quoted me a $ XXXX/monthly dollar payment which was absurd giving my salary and expenses ( which I provided to salliemae ). Weeks later, sallie mae sent all my accounts to collections and that impacted my credit score negatively. My credit score literally went from the 700 hundreds to the 500 hundreds. Weeks later, I was having a conversation with another individual at Sallie mae and she noticed that whoever worked on my financial statement missed some expenses and made a mistake on my income which explains why I was quoted a {$2000.00} monthly payment. Now, in order for me to not have a deliquent status and my step dad who is the cosigner on the loan and has retired, i decided to agreed on the monthly payment of {$850.00} a month. Multiple times I have called sallie mae to try to reduced my payment because right now giving the financial situations everyone is going thru, I can not afford to spend almost {$1000.00} in students loans. I do want to pay my loans but they are not working with me to lower my payments. I still live with my parents and I'm honestly having family issues which would require me to move. My options are going to be to either pick up a mortgage or throw money out the window paying rent and forget about paying my students loans for now but I do not want to do that which is why I decided to reach out to you guys. 

I hope you guys can help me out with this! 

Looking forward to hear from you. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have a plan with XXXX XXXX XXXX XXXX. This plan does not allow for automatic pay to be set up. Automatic pay mean money out my bank Account automatically every pay cycle. Some how one of XXXX XXXX XXXX employees manage to take money out my bank account which had to bargain by M & T bank. Therefore this was consider bank fraud.

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