BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX  is claiming I owe them {$1400.00} on an account that was charged off for {$1000.00}. The company is reporting increasing balances each month for a charged off account and is also reporting a past due balance on an account that is charged off. 
A charged off account is naturally late by default. This is against my rights as a consumer. It is also against the FCRA and not in compliance. It is also against my state law in Georgia Installment loan act Bill 462. I have asked the bureaus and the XXXXXXXX XXXX to correct their error immediately with no progress. 

I also have an letter here from XXXX XXXX for an attempt to collect on a debt for {$1000.00} and settle for 70 % of the loan amount for {$1000.00} however they are reporting that I owe {$1400.00} to the credit bureaus. and increasing the amount owed each month on the account. 

This is my last attempt before I send an intent to sue to both the credit bureaus and XXXX XXXX! 


Section 609 of the Fair Credit Reporting Act ( FCRA ) states that you must investigate my dispute within 30 calendar days from my initial letter. As you have failed to do so, I kindly request that you remove the aforementioned items from my credit report. 


Thanks to section 611, we all have right to dispute information we believe to be incorrect or unverifiable. And if the disputed information can not be verified or confirmed, then it must be removed. 

Original copy of loan, with signature the amount of the loan, Copy of the check cashed how the loan was deposited or accepted. An original agreement of interest, proof charge off and the right to collect interest on a charged off account, and the right to report a past due amount on a charged off account. If you do not have all those legal rights, please remove from my credit profile immediately. Please do not sell, transfer or re-report account. 

Any inaccuracies and errors intentionally being reported must be removed, if not can and will be a fine and a payment to me the consumer in an amount of {$1000.00} per error. 
Any further comments or questions can be directed to my legal representative. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-02
Company: Experian Information Solutions Inc.
State: NH
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 filing a complaint against XXXX XXXX XXXX  including credit bureaus XXXX  and Experian. This account is not legitimate or has not been reported properly under FCRA. This needs immediate attention and all creditors and bureaus should be fined, and disciplined for their willful neglect to my financial situation. As a senior citizen, I am not pervy to all new forms of technology. However, I do know all credit validations are responded in USPS but I have received nothing.

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 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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: Experian Information Solutions Inc.
State: IN
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:
My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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 2022-10-14
Company: EQUIFAX, INC.
State: CT
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 contacted XXXX XXXX XXXX regarding an account that I do not own. I was a victim of identity theft and there were some fraudulent accounts opened up under my name. I have provided documentation such as the FTC report and Police Report which states all relevant information. The company refuses to comply with the legal documentation and is falsely reporting a fraudulent account on my credit reports which is giving me living hardships for a home and a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: Bread Financial Holdings, Inc.
State: IL
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:
Reviewed my credit report and is showing Comenity as reported balance of {$6200.00} with all National Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
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: Was not notified of investigation status or results

Complaint:
Equifax is violating the HIPAA Law by reporting 5 medical accounts from XXXX XXXX that discloses the type of medical treatment received from XXXX XXXX and XXXX XXXX. This is a clear violation of the HIPPA Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Through the advice of my loan officer, I initiated a refinance of my home with Quicken Loans. From the very beginning, the underwriter at Quicken Loans advised our loan officer that she had very little experience with Jumbo loans and was completely out of her depth. Yet, for whatever reason, instead of transferring the loan to a senior underwriter, the loan stayed with her. Every day we would receive requests for documents, and explanations which we responded to within hours. For each condition that was cleared, 3 more popped up. At no point did anyone tell us that there was a chance that the refinancing would not be approved, so we patiently waited for 2 MONTHS while the underwriter went back and forth with her team and identified new problems. Several times they lost documents we submitted to them and asked for them all over again, and each time we complied without any issues. For 2 months they led us to believe we were refinancing our loan when in reality they were just looking for reasons to reject it. 3 times the loan went into closing, and 3 times it was pulled out by various people and placed on hold to ask for documents they already had. They wasted 2 months of our time with frivolous delays, when every minute counted for us because we had a terrible rate on our houses and really needed the refinance to continue making payments. Eventually, they declined the loan, completely in bad faith, giving us no reason whatsoever. When asked how it was possible that the refinance went into closing 3 times, only to be thrown out each time, they stopped responding and left us to wonder what went wrong. We still have no idea why we were suddenly rejected, our FICO score was sufficient, our DTI was within the appropriate range, we provided proof of everything they asked for, and obviously someone thought the loan was ready for closing, 3 times. The worst part was that during the 2 months they were " working on the loan '' they ran our credit numerous times, dropping our credit score so low that it will be near impossible to refinance the house anywhere else for the foreseeable future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 lost my wallet on XX/XX/16 and called when I noticed XXXX XXXX XXXX XXXX charges on my account I filed the disputed capital one tells me my claims are denied because they didnt find an error but they werent mine they didnt come to my home I dont have this accounts and capital one refuses to get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Claim ID : XXXX I'm XXXX XXXX XXXX. I am also a full-time XXXX  worker. Bank of America has been receiving my direct deposit from the XXXX  ( XXXX XXXX ) twice a month. 

This is the only local Bank of America branch, with the inside recently closed ( sign on door says " temporarily closed '' ). The XXXX  drive thru ATM and XXXX exterior ATM 's are still open. 

My direct deposit hit the bank overnight on XX/XX/22. I went to the ATM and withdrew cash, to be able to pay my rent ( which was already late, and needed to be paid in cash ). 

On the morning of XX/XX/22 I drove back to the ATM, to put some of the cash back, {$1100.00}, so that I could pay my utilities online via my debit card. I need to pay my XXXX XXXX bill asap, as it is part of a " pandemic payment arrangement, '' which offers forgiveness of the past due amount. Otherwise, I will owe almost {$2000.00} in the accrued past due amount, and I'll be scheduled for shut-off. 

Then, the Bank of America ATM ate my {$1100.00} ( all in {$100.00} bills ). 

The screen displayed a message saying " there was an error ... '' and then the most bizarre question, " approx. how much did you deposit? '' I manually entered the amount I deposited, " {$1100.00}. '' Next, the ATM dispensed a receipt, showing I was credited {$300.00}??? The receipt states " We apologize for the inconvenience. We created an issue record that will be attached to your transaction. '' XXXX??? 

What is going on? Where is my money? I work too hard for this. I have been working long hard hours at the XXXX, without complaint. But, I am getting the feeling that the people at Bank of America really couldn't care less, almost as if I'm annoying them. During my last phone call to B of A checking on the status of this claim, the customer service rep " giggled '' when I said I can't afford to wait days or weeks to get this resolved. 

I was told " you should see a credit in two days ... '' today, XXXX days later, nothing. 

I CAN'T AFFORD THIS! I want my money, {$800.00} that I worked for. And I will never deposit cash in one of their ATM 's ever again in life. I can't afford to sit around quietly, when I live paycheck to paycheck. 

What a disaster.

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 2023-12-12
Company: DISCOVER BANK
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Became XXXX at the beginning of the year and finally got a job to pay off cards. I have been paying my cards off every month on the payment program and I still cant use my cards. Ive spent hundreds and every month and still cant use my card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/23, received response from XXXX XXXX XXXX of an alleged debt. The lease attached is a lease from XXXX. Trying to be used as evidence. Unable to furnish actual proof. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF TRANSUNION NEEDS AUTHORIZATION TO PROCEED, THEN I GRANT TRANSUNION MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. Certified Mail # : XXXX XXXX XXXX XXXX  7XXXX

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 2023-04-04
Company: EQUIFAX, INC.
State: AL
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:
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, AL XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AL XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-11-26
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XXXX XXXX XXXX Membership no : XXXX Credit card no ; XXXX And XXXX I have been a member of Costco for a long time. I used XXXX card and had no problem with the rebate or credit card. 
After Citibank took over, my Costco credit on personal name was transferred to Citibank Costco Visa card on my personal name as it is and credit limit was XXXX approximately. 
I charged Citibank Costco visa at Costco warehouse and collected the money from customers and deposited in my account at Citibank branch on XXXX XXXX in XXXX, and paid my credit card balance so credit available right away to charge again.Citi bank always called me how I do my business. I provided them all the answers and whatever papers needed them. I always asked them if everything is ok. The answer was that everything is fine. 

After a few months, my citi bank account was closed and I was told that I could not use this account to pay my credit card. 

Then I used my business account XXXX bank by using their debit cards to pay credit card balance. By using debit card, I was able to get my credit available right away to charge my card again at Costco. 

After a few months, the citi bank called me to verify how I do business and how I pay and what method I use. I explain to them to each and everything. I asked them everything is ok and was told that you are fine and not to worry. 

Then all of sudden my Citibank Costco Visa card was closed and forfeited my 2 % cash reward {$26000.00} appro The Citibank Sent me a letter stated according to the terms and conditions of the agreement. They did not specify which agreement I have violated. 

I came to know that one wholesaler whose card was on his business was also cancelled and forfeited his 2 % cash reward which was much bigger than mine After talking to Costco employees, there are a lot of card members who are using their personal cards as well as family members Citibank Costco Visa card for businesses and get 2 % cash reward. 

I promised my XXXX XXXX  kids-XXXX and XXXX will buy bedroom sets and their wishes will be fulfilled when I will get check next year. Their dreams are shattered and when I told them that I wouldnt be able to buy anything for them. 
These kids started crying. No parents want to see tears in their kids eyes. 

I was always told by Citibank that I was fine and doing the right thing. They have never warned of anything but always told me thanks for business. 

The Citibank is huge bank and I could not afford to hire a lawyers because his fees will eat my 2 %. Cash reward. 

Sir I sincerely wish if you could help my kids to fulfill their dreams If you need anything from me, pls call XXXX or send an email XXXX I can also emai you a letter received from Citibank. 

Thank you 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 2022-03-05
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
National Credit Adjust has contacted my employer, my family and continually calls when this debt doesnt belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
my wallet was lost a few years ago, i did report it since i noticed since then my information was being used to open accounts that were unauthorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: NY
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:
For months I have been disputing a few accounts on my credit report that are reporting inaccurately and all the credit bureaus have been doing is stalling me out, they either tell me it has been verified and when I asked how was these items verified I have yet to hear back from them and its been well over 60 days or the tell me they weren't sure if it was me sending the disputes another stalling method I have sent the dispute with a cover letter, notarized along with proof of address and identification. 
I will attach my credit report you will see the clear errors. 
from my DOB, Balances, Dates Open & Closed, Account Status, Payment History Etc Etc.

Company response to consumer: Closed with explanation