BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: TN
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 have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: NJ
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 validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2021

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 2020-09-25
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
THIS IS NOT A DUPLICATE. THIS IS A FOLLOW UP TO COMPLAINT XXXX WHICH WAS NOT RESOLVED. 

I received the letter attached from the Citibank Executive Response Unit XX/XX/XXXX. This letter references the incorrect account number, states that a check was sent to an unrelated address ( even though I confirmed the correct address 3 times, yet they managed to send a check to XXXX but the account address is in XXXX? ). Additionally, they state I requested to close the account but this was their decision and they failed to request any additional documentation due to a systems " glitch ''. 

I called the executive response unit and was assigned an investigator - XXXX XXXX, whom I have yet to hear from even though I was promised she would reach out to me within 24-48hrs ( it has now been over a week, I have called, left VMs, etc and nothing ) I called customer service various times. Asked for the previous check to be cancelled and for a new one to be mailed to the correct address ( I called Friday XX/XX/XXXX ) was told by an agent he could have this done. Called Monday XX/XX/XXXX, spoke to XXXX and she says she didn't see any request done on XX/XX/XXXX that she would do it. Called again today XX/XX/XXXX, the agent states a check was sent XX/XX/XXXX to the wrong address. I asked if I could go to a branch and withdraw the funds, she says no because the account balance is {$0.00} as the {$27000.00} was already sent .. a month ago and I haven't received it? makes no sense.

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 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

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 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 sent a letter requesting that you reinvestigate the disputed Accounts from my credit report as well as correct these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. The following accounts are listed below : XXXX XXXX XXXX Balance : {$1900.00}, XXXX  XXXX XXXX Balance : {$3200.00}

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 2023-01-16
Company: EQUIFAX, INC.
State: PA
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 explanation
Consumer complaint received 2021-06-29
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received my XXXX unemployment benefits on the US Bank Relia Card. My money is on the card but I'm unable to access it because the account is restricted for no apparent reason. I have been without money for 3 weeks unable to pay my bills and facing an eviction. They tell me that XXXX has flagged my account and XXXX has not had any flags on my account ever. I have called and confirmed this. Yet US Bank refuses to believe me and I can't get anyone to speak on my behalf. I have sent them 8 different documents confirming my identity yet it is not enough. The us bank has sent me letters telling me they will close my account and return the money but XXXX SAYS THERE ISNT ANYWAY THEY CAN DO THAT AND IF THE CARD EXPIRES WITH FUNDS ON IT THEY will then return it but they can't re issue me that money. I need this money. I have confirmed my I. D. With u. S. Bank in my opinion. They are not satisfied. I have even sent them copies of the correspondence they have sent me. XXXX has never made me verify my identity so why does the Relia card insist upon it and why don't they comunicate with them if they insist XXXX has the restriction instead of using me as a mediator a go between? XXXX assures me my account with unemoyment is good. They told me if it weren't they would have never issued the funds to US bank if my account was flagged. Please help me to get my money I need to pay my bills and eat.

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 2022-11-23
Company: EQUIFAX, INC.
State: RI
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 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 explanation
Consumer complaint received 2021-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After a comprehensive analysis of my credit report. I have 4 accounts with late payments that are negatively affecting my credit worthiness and are also in violation of the FCRA.

Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under credit device existing for the purpose of obtaining money, property, labor, or services on credit '' Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate all 4 consumer credit transaction negatively impacting my credit report. They should all be removed from my consumer report pursuant to USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

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 2021-06-28
Company: Flagstar Bank, N.A.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX mailed XXXX payment to bank P.O. box  in XXXX, TX - considered late after XX/XX/XXXX XX/XX/XXXX received late payment notice including {$58.00} late fee - called customer service number and told payment may not have been picked up from P O box and fee waived XX/XX/XXXX called debt service in response to telephone message - told per bank 's tracking payment arrived at XXXX post office XX/XX/XXXX but had still not been picked up or posted to my account ; also stated credit reporting agencies would be notified if payment is not credited by XX/XX/XXXX and could avoid by making payment via telephone which I declined as check already delivered and received

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 2021-09-14
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Alright call me, XXXX XXXX XXXX I couldn't put the school down because the school doesn't exist. 

I need my money back. 
I have all my paperwork and I was on the lawsuit but never heard anything yet. 

The School was a scam and Navient harrassed me and my co-signer when we were suppose to release from the loan. School was shut down before I could finish it and I filled out the paper work from day one to get out and they denied it which they can't deny it. 

I need my money back now! 

PLEASE CONTACT ME XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: Diversified Consultants, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/2018 XXXX with a XXXX process fee. Will not remove. Will not put agreement in writing for records. Threatened me. Will not set up payment plan or accept any payments at all. Kept asking for my checking account # or card #. Told me they could seize my bank account and sue me for more money to just pay the amount owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: Experian Information Solutions 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:
I have sent dispute letters to you regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know you did nothing regarding my concern. In accordance with 15 U.S. Code 1681i ( 6 ) ( A ), I, the consumer in fact has the right to demand compliance within 15 days for the results of a investigation via written notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I placed a freeze with Equifax, XXXX  and XXXX  in XX/XX/2007. On Sunday, XX/XX/XXXX I was told at XXXX that I was preapproved for a XXXX  MasterCard. I provided the last four digits of my soc sec number and told them it would be rejected because of the security freeze. I was shocked when the clerk told me I was approved and approved for {$7000.00}. I said something was wrong it should not have gone through, they said I should get a call from their back office asking me to remove the credit freeze instead I received a text that my card was on the way. I call MC and they informed me that they had acquired by credit information from Equifax. I contacted Equifax The 1st clerk said there was no account for my SS #, his manager said there was an account but she could not see any details I would have to send in a copy of my drivers license and SS card. I spoke to the next level manager and she said the same thing. I also provided her with the 10 digit security number provided by Equifax. I was still told they would not tell me if I had an active freeze nor if it was removed and how and when. They would not provide me with any credit history to see if my identity was compromised. I continued to speak to the next two managers also no help. I called Corp Headquarters to speak with XXXX XXXX to explain my situation I am assuming whatever went wrong on my account has also happened on others and may be a major breach. I was transferred to an office in Nevada or NM and XXXX said she was not in a position to help and transferred me back to headquarters who once again transferred me to the fraud dept that I already spoke with. I was told no one in headquarters would talk to me and no one I was directed to out of headquarters had authority to see the detail of my account. I need to know if my security freeze was compromised and if my identity was compromised. I need to know now not 10-20 days from now. I need to take immediate steps to protect myself if Equifax has breached my security. I also contacted XXXX. The first agent assured me my account had a freeze on the account. I contacted XXXX, the automated system authenticated me and immediately indicated I had a freeze on the account. All freezes were placed in XX/XX/2007.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I Requested the closure of XXXX saving account on XXXX XXXX via support live chat, the chat specialist answered me that the account was successful closed. After some time, i saw in my credit report that i had late payment for XX/XX/XXXX and XX/XX/XXXX. After contacting the company, i was told that the account can only be closed by calling the support service, which does not coincide with the conditions indicated on company 's website. The company refused to delete deliberately false records of late payment that were received after i requested account closure. Contacted with company with Goodwill ask to removal and trying to dispute, but XXXX refuse delete that false info

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I have been waiting since XX/XX/XXXX for a method of verification of this account. I have filed numerous complaints with Cfpb and all the time they tell you all they are working on my issue. This is a violation of the FCRA and I have escalated this to the state attorney office. I have no signed contract of any sort with XXXX XXXX. Equifax was suppose to remove this after 30 days because they have no proof. It had been 4 months. I have attached the original letter I sent to them. The other 2 bureaus deleted it and Equifax has it lingering with no documents or proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: BTH Management
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is an outstanding amount in collections totaling {$1900.00} from Plaza Services on my XXXX Credit report. It says the amount originated on XX/XX/2018. I do not know anything about this amount and it is not mine. I have not taken out any additional loans or debt other than the other items on my credit report. If you look at my credit history, I am 100 % on timely payments and have no missed payments. I filed a dispute with XXXX  but they said the debt was accurate, even though I did not incur this debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Lender : Credit Acceptance Reasons For Complaint : Deceitful Practices, Improper Payment Practices, Impractical Payoff Process, Failure to provide Refund per contract, Failure to Return Over payment per contract, Misleading Costumer Service. 

This company has policies that make it impossible to pay off your car loan. They cap the amount you can pay at a Time online, and they also like to return a refund payments for no reason also there have been payments of mine that have gone missing and I believe that I had to pay this car off twice. On XX/XX/XXXX I made my final payment to pay off the payoff quote which they only allowed to be good for 24 hours thus having caused me to have to scramble within those 24 hours to make the payments on time. They claimed that I did not make the appropriate mark on the form saying that my Gap refund amount be included or not but I did however do what I was supposed to do to properly close the loan. The lady on the phone misled me into doing it again getting a different charge off quote for what was already basically paid for that didn't reflect in the system thus forcing me to have to pay it again to close off my loan that was on XX/XX/XXXX they waited the exact 20 days to release my loan my title however I have not gotten the extra payment I was forced into making or my Gap refund back and now I can't even get a hold of them on the phone or find it get any access to my payment history. They have lied to me I've been jumping through their hoops this whole time they charged me outrageous interest rates and the people on the phone lie they are rude and they still haven't given me my money but whenever I pay late which I never have I would have been charged I outrageously ridiculous amount but yet they can't pay me per their own contract my money back that they forced me into paying over.

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 2023-09-08
Company: EQUIFAX, INC.
State: MS
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Money was transferred through XXXX XXXX, to my sister of the amount of {$1200.00} on XX/XX/XXXX of XXXX, but accidentally sent to an email no longer active under my sister 's name, so frost gave me a id pay number but the numbers weren't accessible on her end with her bank, so the amount was never received on either end

Company response to consumer: Closed with explanation