BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-05
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:
FCRA Violation: name and address not mine
XX/XX/XXXX

FCRA Violation: credit card not mine
XX/XX/XXXX

FCRA Violation: credit card never lateXX/XX/XXXX
FCRA Violation: hard enquiries not mine
XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
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: Information belongs to someone else

Complaint:
In reviewing my credit report, I found that there were several fraud accounts and addresses listed on it. I will list the accounts and the amounts also the addresses. 

XXXX XXXX XXXX Opened XX/XX/2021 and amount {$1400.00} Addresses : XXXX XXXX XXXX , XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX GA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-07
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:
I SENT IN LETTERS REGARDING INACCURATE REPORTING OF FALSE ITEMS ON MY CREDIT REPORT. I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE IM BEING IGNORED IN MY DISPUTES. IT HAS BEEN MORE THAN 120 DAYS SINCE MY DISPUTE. PURSUANT TO 15 USC 1681, IT IS NOW MY LEGAL RIGHT TO HAVE THESE ACCOUNTS REMOVED. ALSO, ACCORDING TO 15 USC 1681b ( a ) ( c ) ( 2 ), THAT THEY NEED TO FURNISH IN ACCORDANCE TO THE WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: AZ
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/2022 added XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX added a derogatory mark on my credit report per Equifax. Upon further research, this account was transferred/sold and I am no longer responsible for the account. debtor creditor did not verify this collection also there was no written forms of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. according to the FCRA all accounts have violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-30
Company: American Coradius International LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received what I believe was a scam call from XXXX at XXXX XXXX   on Wednesday, XX/XX/2019. I did not recognize the number. So, I did not take the call. The caller ID on my telephone identified the caller as " American Coradi ''. Later, I realized that there was a voicemail message from the caller on my phone. When I played the message back, I heard a woman 's voice asking me to call a certain phone number in regard to collecting a debt. She also gave a reference number to use when I called back. I have no intention of calling back because I have no debt to be collected. I deleted the message.These are obviously criminals who prey on people, and they should be prosecuted to the fullest extent of the law. Please do that! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached two FTC reports with inquiries that I did not authorize, please delete these inquiries

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 2023-05-24
Company: EQUIFAX, INC.
State: MD
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
did not receive proper interest for days accrued during grace period. was told by my premier manager XXXX XXXX what the amount of interest I should have received was but did not receive. according to citizens bank XXXX was no longer at the bank. they told me the account dropped to 0.05.On a cd account. should have received 1.54 percent. Was told by XXXX XXXX the amount was XXXX. 
instead received 1.52. Spoke to branch manager XXXX XXXX and was told someone would get back to me. that was one week ago and still no one called to resolve this. Very unprofessional bank. every manger I have delt with is always gone. I am told different answers by everone. Deceitful practices and no one has the courtesy to call back in a timely manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-05
Company: TD BANK US HOLDING COMPANY
State: CA
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 have repeatedly asked XXXX for evidence to support their reporting of an account in the file they maintain under my Social Security number. They have failed to provide me with a copy of any verifiable evidence submitted by TD BANK USA- XXXX XXXX substantiating their claim that I am financially responsible for this account. I am not the primary owner of the account, not a co-borrower, and not a co-owner, I am an authorized user. I have never applied for credit, and this a not a joint account ( although its being reported as one ). Furthermore, I have requested their method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).  Recently, XXXX provided their investigation results, and again, they failed to provide verifiable evidence. Interestingly, they included a statement alleging " Consumer 's dispute not specific '', however they were still able to conduct an investigation without " specific '' information. Further into the results is a statement that says " Account Historical Data SUPPRESSED. '' The results continue to state that the originating source provided additional information claiming " Historical account information was DELETED from this account. '' Their investigation results are unclear, contradictory, and lends no credibility to the company. Is the information I requested DELETED or is it being SUPPRESSED? Either they have it or they don't. In any case, they are not providing it. I challenge the accuracy, compliance, and reportability of this listing. I formally request the trade line be immediately, and permanently deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Autovest, L.L.C.
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/ 2022, I received a email from my employer that a " new garnishment '' was received. Upon reviewing the documents I discovered that a 3rd Party Debt Collector was garnishing me for an alleged debt owed from an automobile that I do not owe them for, and they have violated numerous of Federal Laws according to the Fair Debt Collection Practices Act ( FDCPA ). AUTOVEST, L.L.C, is in violation of 15 U.S. Code 1692j - Furnishing certain deceptive forms, 15 U.S. Code 1692i - Legal actions by debt collectors, 15 U.S. Code 1692e - False or misleading representations, and 15 U.S. Code 1692d - Harassment or abuse and many more. They have caused me mental anguish, loss of sleep, embarrassment, and ruined my family 's XXXX stealing my earnings a couple days before XXXX. I was never attached to the address listed on the summons and they served a XXXX XXXX which cause them to get a default judgement against me and are trying to ruin my life. I have been denied use of my credit also because of this debt collector. Please see all attachments

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 2023-05-24
Company: EQUIFAX, INC.
State: NY
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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 2023-05-24
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:
Equifax continues to display an account that should not be on my credit report. I contacted CFPB who in turn received a statement back from the company stating that they sent a letter to the credit bureau to remove this item XX/XX/22. The amount is over {$4400.00} and I sent police reports and also this letter attached. This has caused me due hardship with getting credit as it shows bad and its not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
My home was scheduled for and sold in an online auction. The auction and sale was illegal and I was never contacted the from the original lender the contact was breach the terms of the contract changed the servicer and lender and investor have committed fraud snd theses documents are fraud and not the original terms. I originally sent a letter to servicer Shellpoint and XXXX XXXX XXXX XXXX XXXX They never answered me then and they misled and I was never informed that The was going to change and that my loan was sold to XXXX XXXX XXXX. I tried many times to cancel my pmi and asked why was I paying all the extra fees for property preservation and FHA mi XXXX XXXX XXXX XXXX. My loan was paid year. Ago. Ive been complaining and have asking questions and Ive have never been given a response or answers. XXXX XXXX has never sent me any letters I did not know that they were the investors. I believe that Im owed my title to my house. I have been treated unfairly and many people are involved and its corrupt white collar organized crime and my due process rights and have been repeatedly violated and there has been paid politicians who is a house representative and was. The title and home insurance broker agent XXXX XXXX XXXX. I have never meet this person and I did not sign or authorize this and the information on the insurance application is all wrong I have been trying to get this information corrected and theses two company have been misleading and lying making and recommending s c

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Around XXXX XXXX XXXX  I closed my credit card with Capital One with a balance on my favor for {$8000.00}. 

At the beginning of XXXX I called the customer service number to know about the status of my reimbursement. 

XX/XX/XXXX They asked me for a lot of documentation to prove I had that money under that account and where the money came from. At the end of the call they said they will sent the check. 

XX/XX/XXXX I called to know about the status of the check, and they mentioned it was lost in the mail and they need to reissue another one. 

Today XX/XX/XXXX they still don't know the status of my money. 

I have paid interest for that money and Capital One has not giving me an answer yet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX Received on XXXX XXXX XXXX a written dispute From Me that highlighted all inconsistencies and incorrect information on my credit report. They never initiated the disputes on my behalf until Today. I have spoken with Them in regards to remedying the matter every day they have been available since the mailing of the dispute. In response Verbal Disputes were placed on my account and not in connection with the Supporting documents I sent. Ive explained to them I am undergoing a mortgage and more than likely will miss the deadline because now my investigation will take an additional 30days to resolve. 

Similar Time frames and situations as for EQUIFAX And XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: NC
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28
Company: Experian Information Solutions Inc.
State: AR
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:
Experian, is in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave Experian written consent to report anything on my consumer report. No consent is identity theft. I would like to state pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing Experian these inaccuracies to be furnished on my consumer report, it XXXX cause me to lose confidence in the banking system. If Experian wants to continue to do business with me, they should delete these inaccuracies off my consumer report immediately. 
" See attachment ''

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 2023-05-08
Company: EQUIFAX, INC.
State: MD
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:
My Credit card was used and my account were taken over by someone that stole my identity. 
XXXX bill was put in my name without my knowledge amount {$450.00} in 2019

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-18
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
XX/XX/2017 a family member signed to get a loan for anther family member of mine. I didn't mine because they were family I didn't want anyone to get into any trouble. I was even help paying the interest on the loan to protect my credit. Then the borrower stopped paying completely. I went and got legal advice and they advised me pay the loan off and seek the co borrower in court for the vehicle. Well the vehicle has been wrecked since last year and she hasn't reported it to the credit union. I  believe this breaches the contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made {$1000.00} payment on Friday, XXXX the XXXX to my Platinum AmEx. After making the payment, American Express online site showed to me that I had {$1000.00} available balance. I made two {$150.00} transactions ( {$310.00} in total ), and the card started declining the other purchases. American express website showed {$0.00} available balance. On Monday, XXXX the XXXX, I contacted AmEx Platinum services and a representative requested to speak to my bank. After conversing with my bank, American express released the remaining funds. 
On XX/XX/XXXX, I made another payment of {$1000.00}, and Amex website showed this full amount as available. After making a small purchase at XXXX XXXX, I was not able to make the second one, as Amex started declining transactions. American Express website showed {$0.00} available balance once again. 
This is AmEx Platinum credit card, earning Delta points with each dollar spent. I believe that AmEx Platinum is deliberately disallowing me to spend more money to receive Delta miles with each dollar spent and it is doing this by utilizing unfair and indecent business practices. Realizing this I attempted to cancel XXXX payment, which is allowed by AmEx website. However, once I clicked on " cancel the payment '' link, a massage popped up requesting me to contact AmEx later due to the system overload. This is yet another demonstration of their unfair business practices. And finally, I have received an email from American Express, stating that in 24 to 36 hours my payment will appear online. While contacting AmEx today, XX/XX/XXXX, I was informed by a customer service rep that they plan to take 5 business days before posting my transaction. I told him that I did not give a permission to American Express to hold my money for 5 business days, and that this is crooked business practice. I told them that I will place a complaint with CFPB, they did not care. Thank you for looing into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Maximus Education, LLC dba Aidvantage
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Ive been attempting to pay my loans for the last several months but every time Ive made a payment it will process and say accepted for 2 or 3 days then it will say payment reversal. Ive attempted to contact customer service NUMEROUS times but have never once gotten a person to talk to, even after being on hold for hours. Im just trying to make some XXXX payments and dont know what I have to do. I need help bad because now Im paying with interest but the reason Ive been paying early was to not pay interest

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
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: Their investigation did not fix an error on your report

Complaint:
CFPB step up, The account was not late on the months reported on the my credit report. How can it be possible having a late payment status and charge off all on the next month?. This is simply ridiculous. Please delete this illegally or improperly reported information without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not..CHILD SUPPORT ENFORCEM XXXX

Company response to consumer: Closed with explanation