BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX charged my card for storage payments of {$2.00} per month for several months. I did not realize that they were doing this to a card that was paid off, with a XXXX balance and had no reason to be checking the paperless billing statement. During the month of XX/XX/2023, being ignorant of these non-approved charges for {$2.00}, I did not pay this XXXX charge and Fifth Third Bank recorded the {$2.00} XXXX charge as 30 days late. This got my attention. I paid it first in hopes of getting the charges reversed that were for at least XXXX consecutive months from XX/XX/2023 through XX/XX/2023. This month ( XX/XX/2023 ) after proving to Fifth Third bank the charges were fraudulent and not approved by me, Fifth Third Bank removed all charges and reversed the XX/XX/2023 late fee. However, the $ XXXX {$3.00} late fee is still showing on my XXXX credit file and all three major credit reports files with XXXX, XXXX XXXX XXXX AND XXXX XXXX Please have these $ XXXX {$3.00} charges removed from all XXXX credit reports ( XXXX, XXXX XXXX XXXX AND XXXX XXXX, asap as it has negatively affected my credit! PLEASE SEE ATTACHED DOCUMENTS AND SCREENSHOTS FOR PROOF!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Navient Solutions, LLC.
State: MI
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:
I am XXXX who was affected by Navient bad business practices and was approved for loan forgiveness however the company claims my loans don't qualify and now I'm required to pay over {$700.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX They were supposed to update credit bureaus as of XX/XX/XXXX info since my wifes been calling since XX/XX/XXXX as it is closed then open on both our credit reports and, I did threaten to sue them for the pain and suffering it has caused. It has been closed and opened since XX/XX/XXXX off and on. We originally told we would get a new acct number since we redid our loan. 

They are taking their time meanwhile harassing both of us by phone call after phone call. Spoke to a XXXX who claimed it to be Equifax at fault for reporting false information. That they submit information and, its up the credit bureaus to accurately report. 

My credit shows the account as being closed as she is the primary holder updated on XX/XX/XXXX on Equifax. The letter we received from XXXX shows it was closed with no balance as of XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX   XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2023-12-07
Company: EQUIFAX, INC.
State: NC
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: VA
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:
To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false, inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me I have no knowledge of them, be advised by law I have the right to PRIVACY and you the credit reporting. 
agencies have violated it. The list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$260.00}. BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOWS : XXXX IS CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
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:
company took over 30 days to investigate issue that violates federal law. also company stated that account does not show on my credit report but it still does show.this is the response that was given under reply to fcra complaint number XXXX the proof that is still shows ran today is below and attached. request XXXX per federal violation. 


the company took over 30 days per fcra to reply with complete resolution to compliant that violated federal law. after 30 days by federal law if complaint can not be resolved item must be removed. they did not follow this federal law. aslo they stated that acct is not on my credit report from XXXX..XXXX ... XXXX XXXX XXXX XXXX XXXX for acct ending in XXXX on XX/XX/XXXX but ran credit report XX/XX/XXXX and still see acct on file with cra. shown below ... ..Home  XXXX XXXX Account Preferences Message Center, you have 0 unread messages0 YOUR CREDIT YOUR IDENTITY Credit Report Date You still have 4 of 6 free Equifax credit reports available before XX/XX/XXXX. 
Get my free credit report XXXX XXXX XXXX Report Date : XX/XX/XXXX CLOSED ACCOUNT STATUS Closed accounts stay on your credit report for up to 10 years since the date of last activity. Negative information such as late payments or collections, generally stay on your Equifax credit report for up to 7 years from the date of first delinquency. 

Details Payments Overview Account Number xxxxxxxxxx XXXX Account Status CHARGE_OFF Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification Loan Type AUTO Original Creditor Name Months Reviewed 50 Activity Designator Terms Frequency Term Duration 48 MONTHS Purchased From Sold To Balance and Amounts Balance {$430.00} Credit Limit High Credit Available Credit Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX Comments and Contact CHARGED OFF ACCOUNT For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX EFX  ticker symbol Privacy Policy Terms of UseAd Choices Copyright XXXX Equifax Inc. All rights reserved. 

Equifax and the Equifax marks used herein are trademarks of Equifax Inc. Other product and company names mentioned herein are the property of their respective owners.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was to close on my Mortgage w Citibank on XX/XX/XXXX but Citi was unable to get my XXXX Tax Return from the IRS and so Closing continued to be delayed. I continued to send additional funds to the attorney for the seller to not lose the sale. I had to close on XX/XX/XXXX with an all cash sale using funds borrowed from my Margin Account., I was advised that I could refinance and began the process. I was asked to resubmit documents many times. I did so within hours of each request not hearing back and then a few weeks later another request was made. This went on from early May through the summer. By then, the appraisal expired and had to be repeated. I was assured that the refinance closing would take place on XX/XX/XXXX. Meanwhile the interest on my XXXX XXXX increased each month as the Federal Reserve raised rates. 
The day before the closing I was informed that an approval from the condominium board expired and closing could not occur. I had to repay for this approval application waiting 20 days for the mortgage processor to receive it. Why did the Bank not review the expiration date which occurred well before XX/XX/XXXX? 
It took another two months again w requests for same or updated documents.I was told in XXXX that I needed XXXX in my checking/savings acct for the loan to process at the agreed upon rate. I had to withdraw my XXXX savings account and place in my Citi savings account to make this happen. 
The constant delay, re-submissions, expired documents announced at the last minute, change of balance amt in my accounts cause not only a XX/XX/XXXX closing but a severe financial margin interest cost and additional fees.

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 2022-10-15
Company: EQUIFAX, INC.
State: DC
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 value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
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: Account information incorrect

Complaint:
My credit report dated XX/XX/2023 from the three major credit bureaus shows that XXXX consumer is reporting payment history as well as a charge off with a {$13000.00} balance attached.

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 2023-02-04
Company: EQUIFAX, INC.
State: PA
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 writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately By law Delete all incorrect information and account listed in the document below from my consumer report immediately as it is hindering me and should not be reporting on to my consumer report and violates several laws under the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: CITIBANK, N.A.
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In XXXX my ex-husband bought a car at XXXX XXXX  XXXX, Virginia. Our original car loan was through Citifinancial. In XXXX, I traded the car in after our divorce for a XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX, Virginia. I paid {$3000.00} as a downpayment and completed the sale. XXXX XXXX XXXX did not pay the balance on the loan with Citifinancial, and found out that the balance had been transferred to XXXX. I contacted XXXX several times to give them copies of the paperwork of the sale of the car, including the documents showing that the dealership had purchased the vehicle. 

In XXXX XXXX and few other finance companies sued XXXX XXXX XXXX in XXXX Circuit Court for the funds that they never received from the sale and trade-in of multiple cars. 

I started receiving debt collection notifications this year, again from law firms, claiming they are taking me to court for the remaining {$10000.00} balance. I live in XXXX, XXXX, and I asked for paperwork confirming their identities and confirming that there is an actual legal case. They refused to send me any paperwork, talk to a more senior person, as well as provide a copy of the debt. 

I called them on XXXX on XXXX XX/XX/XXXX, at XXXX XXXX XXXX, XXXX time. They claim to be XXXX XXXX XXXX, there is no information online about this company, and they continue to leave threatening messages on both my Mom, XXXX XXXX 's cell phone XXXX and my sister, XXXX XXXX 's cell phone XXXX. 

I have not had documentation for this since 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 2023-09-17
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2023 I sent a letter in accordance to 1692g of the FDCPA requesting Debt Validation to this company Collection Company Of Athens Reporting to my consumer report, as of XXXX this company has failed to respond to my letter with proper validation of the alleged debt but continues to report to my consumer report. Not only is this illegal but this is a form of extortion. And this sheds a negative light on my creditworthiness, credit standing, credit capacity, character, and general reputation. Here is the tracking info to prove that this letter was sent XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: BANK OF THE WEST
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The XXXX XXXX XXXX ( henceforth referred to as XXXX ) attempted to collect a debt that where no debt validity was ever sent. XXXX claims a validity letter was sent on XX/XX/XXXX. What they fail to disclose is when it was allegedly sent to my old address in XXXXXXXX XXXX We moved to XXXX, XXXX  XXXX miles away. in XXXX of XXXX XX/XX/XXXX then sent a letter explaining the account would be reported. Once again, not to the correct address and to an address we had not lived at for 6 months. XXXX cajoled and bullied me into paying a debt, as the dispute period had already ended. I never once claimed ownership of the debt, but paid it in full on XX/XX/XXXX. I did not know my rights, and would have immediately requested a debt validation letter at the time If I had known. I have since requested two of them, which XXXX says in their response in writing that they ignored. FCRA DOES NOT require reporting a paid debt. This is a practice that XXXX takes great pride in doing, valid or not. I moved cross country and was taken advantage of, the least XXXX company could do is remove the collection, one of my only negative credit marks.

What is lost in the information avalanche is that I paid on a debt that was not valid, and am now sentenced to 7 years of a negative mark that should never have been in the first place. This is disingenuous, lazy and misleading. All I ask is that they remove the report, the rest is water under the bridge. At the time of this complaint this has been marring my record for 4 years, 9 months, 10 days Calls to this company have related in the customer representative repeatedly feigning to understand what is being asked and answering questions about queries that are not being asked repeatedly before disconnecting the 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 2015-10-15
Company: CHECK INTO CASH INC.
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I apply payday loan the company name is check into cash and I fail to pay them because I lost my job since last year. Now they send me notices to pay it back. The worst thing happening now is that they giving a warrant of arrest that 's what they said if I do n't pay the amount I owe them. The word that they said they will give the case to XXXX Attorney file a suit against me writing bad check and fraud and they keep harassing me. And they used the XXXX. No XXXX XXXX and the XXXX of XXXX in XXXX XXXX I call them and verify what is this about, at the end they are to collect money from I owe this company. They to call people whom is put in reference in my application.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-12
Company: EQUIFAX, INC.
State: IL
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:
This is Something I have No Idea of I dont know why its on my report I want proof of who they are they can be some type of random bill that can be fraud I never received anything from the company or who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name XXXX XXXXXXXX  XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 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 or 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 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