BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: TX
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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: PNC Bank N.A.
State: IN
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 am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: KY
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
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:
My name is XXXX XXXX I have a debt with Citizens bank that I'm disputing : XXXX someone cashed a check in the amount {$6300.00} XXXX my account with Citizens bank. I did not have the funds to cover this check and it was not me cashing the check. The funds where given now I'm being change to pay these funds. 

XXXX for any further information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am an unemployed, XXXX-year old man who is currently going to school, hoping to improve my chances of being hired. I am a XXXX veteran with over 25 years of experience as a XXXX   XXXX. Therefore, my credit history must remain untarnished for me to successfully land a job. Unexpectedly, a few months ago, I started receiving notifications from Navient that my private loans were delinquent. Immediately, I started doing XXXX to come up with money to repay these loans. Navient offered me to enter a Rate Reduction Program, which I accepted. 

A few days before my second qualifying payment was due, I called Navient to forewarn this institution that I might be a couple of days behind, seeking their understanding and imploring them not reporting me to the credit bureaus. The lady whom I spoke with supposedly granted me this request, but when I made the payment on XX/XX/XXXX, Navient reported three ( 3 ) late  payments to the credit bureaus. I believe that this negligent act violated at least two provisions of my rights under the Fair Credit and Reporting Act ( FCRA ) 15 U.S.C. 1681. 

I called Navient several times and they continue to misrepresent the fact. Their employees and supervisors are covering up for one another. My third qualifying payment was made on XX/XX/XXXX. However, per Mr. XXXX ( Navient ID XXXX ), my third qualifying payment was not processed on time. It was processed on XX/XX/XXXX, upon my last call to Navient. In sum, I was asked TWICE to wait : a ) Until the XX/XX/XXXX ; and b ) Until XX/XX/XXXX to wait for the 6 wrongful past due reports disappear. 

This is abusive and likely will preclude me from passing an employment credit background check. Also, my other creditors might raise their rates on me due to a higher perceived risk.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is my 5th dispute over the same issue. Debt was recently sold to Credence Resource Management. They are attempting to collect a XXXX debt for a phone bill that XXXX XXXX XXXX paid through a switch in service providers. I am now an XXXX XXXX XXXX Customer previously a XXXX customer. This debt is not owed by me due to the agreement by XXXX XXXX XXXX to pay off the full amount of what was owed. I am asking for the removal of this collection from all 3 credit bureaus immediately as you have done the previous 5 times. This is not my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: Genesis FS Card Services, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
DEBT COLLECTOR IS A THIRD PARTY TRYING TO COLLECT MONEY THAT WAS RESOLVED/PAID WITH A XXXX & PAYMENT LETTER WITH INDIGO MASTERCARD # XXXX, MILSTONE # XXXX, XX/XX/2022. I DO NOT HAVE A SIGN CONTRACT WITH THE DEBT COLLECTOR XXXX XXXX NOR MILESTONE, INDIGO AND THEY WERE PAID INN FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Between the week of my XXXX and XX/XX/XXXX I noticed my bank of America account was compromised. I lost my phone in a XXXX this same week and it took me a few days to get into my XXXX account Android banking etc. When I finally got into my accounts I seen that {$6800.00} was took from my account. I've been goin through the claim process for months and they keep dening me. I believe there is some XXXX motivation, I've endured some pain and suffering, bills are due and the holidays left me miserable.

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 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have tried to report the inquiries on several occasions. I am unaware of the inquiries that are reported on my credit report. At the time these inquiries were reported I was XXXX. Its no way I authorize the inquiries on my credit profile. Its fraudulent XXXX reported XXXX XXXX XXXX XXXX reported XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XX/XX/XXXX XXXX XXXX reported XXXX XXXX XXXXXXXX XXXX reported XXXX XXXX ; XXXX XXXX XXXX XXXX reported XXXX XXXX I would like for the inquiries to be removed immediately off my credit profile I was XXXX  from XX/XX/XXXX until XX/XX/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 2020-12-21
Company: U.S. BANCORP
State: NJ
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:
Hi, On XX/XX/XXXX my credit was pulled for a XXXX auto loan which I fully agreed to. Since this date, there have been 2 additional unauthorized hard inquiries, one on XX/XX/XXXX and another on XX/XX/XXXX. The subsequent hard inquiries were not authorized. I do not understand why 3 separate inquiries were needed since my original application.

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 2023-12-31
Company: Westlake Services, LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
This company gave two different amounts from when the car was repossessed and when it was sold to an auction, the amount went lower then higher

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 2023-08-07
Company: Experian Information Solutions Inc.
State: KY
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:
Experian RE : XXXX XXXX Acct # XXXX Delete this account for inaccurate information because it continues to report activity after the closed date XX/XX/2022.

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 2023-12-31
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Prior to XX/XX/2023, my mortgage payment was XXXX, and I received the bill notice and all other correspondence at the address on record ( XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ). Apparently, some time in XXXX or XXXX, the payment increased to XXXX. However, without my consent, all correspondence, including bill notices, from the mortgage servicer, XXXX, were being sent to another address that I did not provide the company. So, I continued making the payment of XXXX. In XXXX, the company returned my payment, so I contacted the company to inquire about what happened. 
During that call, I was advised my mortgage payment was past due since XXXX However, prior to the returned XXXX payment, my payments of XXXX were still accepted and not returned. If the payment was insufficient in XXXX, then it was also insufficient in XXXX and XXXX. Unfortunately, several calls later XXXX still refuses resolve a problem that was the result of their action and I am being penalized for 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 2023-12-11
Company: EQUIFAX, INC.
State: GA
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
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: Was not notified of investigation status or results

Complaint:
On XX/XX/23, I submitted disputes to the credit bureaus for an account appearing on my credit report, XXXX XXXX XXXX. I never received a response back so I went to the company directly and mailed them a letter on XX/XX/23. Still no response. Then I filed a complaint with the CFPB bureau, the company finally responded and said they mailed a letter on XX/XX/23. I believe this is a lie, because today is XX/XX/23 and the mail does not take 30 days. All I requested was simple validation/verification of the debt, any information at all, and the company also stated in their response to my complaint on the CFPB website that they could not provide me with any documentation, but that I had to go to a local branch. MAJOR RED FLAG. As I continued to wait on the mail they said they sent, I went over the letter again they posted in the CFPB website. The letter was photoshopped and it is so easy to see. My name, account number, and DATE, were photoshopped on a letter, I guess to make it look like they actually processed my letter to them. They continue to report information on my credit report, yet are unable to send me any information and are doctoring letters to make it look like they received my letters and responded to them. I have yet receive anything from TransUnion, XXXX, or XXXX about this account, and my credit report does not say that this account is in dispute either.

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 2022-09-26
Company: Experian Information Solutions 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 XXXX Account is not mines XX/XX/202XXXX 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 2024-01-01
Company: The CMI Group, Inc.
State: TN
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed this company date of debt with XXXX, This company maintained that the date of debt was on XX/XX/2023. I had proof that a different collection agency had the debt listed starting back in XXXX XXXX. It is for the same amount & original creditor XXXX. The debt was removed from credit report for a couple months then reappear with This company stating it was new debt to which it is not. They are changing the date to change the statue of limitations in my state.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-06
Company: REGIONS FINANCIAL CORPORATION
State: IL
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: Problem with personal statement of dispute

Complaint:
I initially submitted an application on XX/XX/2023 to XXXX XXXX regarding a credit card named XXXX XXXX.Upon initial submission I received a pre approval offer, and was told a manger would be in touch shortly to finish the application. Any pre approval offer must be a firm offer or this is an adverse action under Equal Credit Opportunity Act ( ECOA ) I provided this company with my social and was told that my personal credit must be check in order to continue my application. I was told that initially my application was approved and that the personal credit check is to personal guarantee the amount I requested, and if that amount is not sufficient I would receive a different line of credit. I received an hard inquiry but was never extended any form of credit. After calling XXXX technologies for months and sending countless emails, requesting to speak to my account manager XXXX I have yet to hear back from this company. I was even told through a member of the company that none of the cars require a personal guarantee, so if my original submitted application was approved like I was told and reassured by a operating member of this company. I have not yet received a card nor response regarding this matter.This is a firm breach of contract and also causing damage to my credit report as well for this inquiry being reported without me being extended any extension of credit. Ive sent 3 letters regarding my application and have not yet heard back nor does anyone answer the phone number I am given to call

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 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-05-06
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am disputing inaccurate information reporting on my credit reports from the following lenders below. According to my records I have never applied for any loans or credit with the original creditor and these items may report on my account because of fraudulent activity. Accounts list as follow : XXXX XXXX XXXX {$840.00} XXXX XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX XXXX {$280.00} XXXX In accordance with the Fair Credit Reporting act These Accounts have 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 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 2021-09-13
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I signed up for a new checking/saving account with BECU. There was a promotion where I would earn {$100.00} if I met certain requirements. After being told I had met the requirements needed to earn the {$100.00} bonus by multiple BECU employees, I still have not received the bonus. The following chat conversations occurred over the next few months : XX/XX/XXXX Me : I recently signed up for an account to receive a {$100.00} bonus. Can you confirm I will receive this? 
BECU : After reviewing your account I do see that your account was part of the referral promotion we have going on currently and that you've completed the requirement of having 10 or more qualifying transactions go through the checking account within the first 30 days of opening your account. Due to this you will indeed earn the {$100.00} but the accounts will need to be open for 90 days before this will be paid out, so this a little after XX/XX/XXXX and this payout will be placed into your savings account. 

XX/XX/XXXX : Me : On XX/XX/XXXX the representative I spoke with told me Id already met the requirements and I should see the {$100.00} posted shortly after XX/XX/XXXX BECU : I can confirm that you have met the requirements, including the accounts being open for 90 days. From that 90 day period, which was XX/XX/XXXX, the bonus is deposited within the next 30 days ( 120 days total ). 
Me : So I should definitely see the bonus posted by XX/XX/XXXX? There is nothing else I need to do? 
BECU : What I can see on our end is that you are indeed on the list that the requirements have been met, so you should see that within 30 days since XX/XX/XXXX. Again, I apologize this information was not clearly provided in our previous replies. No, there is nothing else you need to do on your end. 

XX/XX/XXXX : BECU : I have reviewed your accounts and I am sorry that you did not satisfy the transaction requirement for our {$100.00} Refer A Friend promotion. 
Me : If you look in the chat history several other BECU employees stated I had met the requirements BECU : I am truly sorry and I will address this with my team members, but I have reviewed your checking account and you may reivew your account online as well and you will see that the transaction requirements were not satisfied

Company response to consumer: Closed with monetary relief