BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-22
Company: EQUIFAX, INC.
State: NV
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 several dispute letters online and through the mail. I started mailing out letters to the credit bureaus and tracking. I have sent several letters but on XX/XX/2021 I requested a re-investigation and I also asked for verification and how they verified the information on my report. Each time they sent me an electronic response about how they verify but it's an automated message and they are all the same. I sent another letter in XX/XX/XXXX and XX/XX/XXXX. They send me an electronic reply shortly after I mail the letters but don't address any of the items that aren't accurate. I have single accounts showing 23+ charge-offs for the same account. How can one account be charged off 25 times? There are several like that. The balances are not accurate. Some items are missing information. They aren't doing a thorough investigation. I have asked them to prove how they verified the information being reported and they just keep sending me computer-generated emails or they say the account is verified or updated. However, the information is still wrong. I have sent letters to the creditors as well. My first letters went out in XXXX and again in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
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 was never warned by XXXX XXXX that they would do a hard inquiry and I have no goods from them that wer n't paid for in full at the initiation of service. They only had my name and last 4 of my Social and were able to do this hard inquiry without telling me. 
This is what it looks like on my Equifax report : XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies This inquiry could stay on your report until XX/XX/XXXX. 

No contact information has been reported by this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: EdFinancial Services
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I submitted a refund for my student loan payments with Ed Financial for a total request of {$10000.00}. They are saying that it takes more than 5 months to get the money back and they also dont provide confirmations or emails showing that the request has been processed. They told me that I have to trust them. I am worried of not getting my refund on time and my balance not adjusting on time for me to be able to apply for forgiveness. I have been reading online and it seems like Ed financial is the only student loan service provider with this practice which seems to be very shady and obscure. Everyone else is processing this request in a reasonable amount of time. My account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 several dispute letters online and through the mail. I started mailing out letters to the credit bureaus and tracking. I have sent several letters but on XX/XX/2021 I requested a re-investigation and I also asked for verification and how they verified the information on my report. Each time they sent me an electronic response about how they verify but it's an automated message and they are all the same. I sent another letter in XX/XX/XXXX and XX/XX/XXXX. They send me an electronic reply shortly after I mail the letters but don't address any of the items that aren't accurate. I have single accounts showing 23+ charge-offs for the same account. How can one account be charged off 25 times? There are several like that. The balances are not accurate. Some items are missing information. They aren't doing a thorough investigation. I have asked them to prove how they verified the information being reported and they just keep sending me computer-generated emails or they say the account is verified or updated. However, the information is still wrong. I have sent letters to the creditors as well. My first letters went out in XXXX and again in 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 2021-03-22
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Merchants AD is reporting two accounts on my credit report that I do not recognize, one account with XXXX XXXXXXXX XXXX and another with XXXX XXXX XXXX. I wrote a letter to Merchants AD requesting that they validate these two accounts. I did not receive a response from the company. However, these two accounts are still reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have mailed copies of my passport and a recent utility bill with my correct name spelling and my address that I have lived at since 2008 because I recently discovered that several accounts and addresses are on my credit that are fraudulent ... .. I mailed this stuff off in XXXX but I have not had any success hearing back from you and thats with mailing two letters back to back I need this information corrected asap .... I was advised to put this information on an FTC affidavit I filled out online which I am attaching to this complaint please correct this matter for me and email me with a response at XXXX. my correct address is XXXX XXXX XXXX XXXX nc XXXX I have had that address since XXXX of 2008 ... .. the addresses that have had fraudulent accounts/ activity is XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX XXXX, NC XXXX names that are incorrect XXXX XXXX  XXXX / XXXX XXXX / XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15
Company: Experian Information Solutions 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:
When I reviewed my Credit Report I noticed that there are items that are reporting erroneous and incorrect information. I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the items needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation. 
XXXX XXXX XXXX of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: SC
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 my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2200.00} XXXXXXXX XXXXXXXX Balance : {$2400.00XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$66.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00}

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 explanation
Consumer complaint received 2023-04-06
Company: Consumer Portfolio Services, 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:
Last year, I bought XXXX vehicles and a house. The following inquiries need to be removed from my credit report as I never applied to these companies for loans. 

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 Consumer Portfolio Service I need these inquiries removed from my credit report ASAP. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Barclay XXXX reissued a card because the 1st one was returned in mail. No change of address, just got sent back. Was told that card reissued on XX/XX/XXXX and account was closed XX/XX/XXXX. Never received a letter that is was going to close and no letter it was closed. No one can tell me why it was closed and proper protocol did not happen. Been a card holder more than 10 years, no late payments. Why would they resend a card out and then close the account 3 days later? Log onto my account on XX/XX/XXXX and that is how I found out that it was closed. Barclay said there is no way to reactivate the account as it has been 30 days. Received no letter on anything, now my credit is marked for an closed account and now tried to apply again and my application is under review. Get penalized as my account was closed, no one can tell me why and credit gets marked and application is under review. Makes no sense and Barclay should be held liable for randomly close someone's account and not following company procedure. Also my credit score is above 750, which is excellent. After talking to the supervisor as she verified my address, I receive an email saying that I had a change of address. I called and was told that there was no submittal form on my profile requesting a change of address, so this supervisor lied and had an email send for a request for change of address. Sounds like a lot of improper information and Non truthfull statements from Barclay

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 2022-12-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account with Fifth Third bank was closed without any reason, the bank has not been sent the money I had on my account in a chashier check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: EQUIFAX, INC.
State: MS
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX/XXXX XXXX ... XXXX XXXX*that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
In 2016 I was in an accident in my finances XXXX through schools first credit union. I was having issues with 2 insurance companies and it took a while for the pay off to get authorized. Schools first was aware of the issue but still chose to charge off debt on my credit report, with a pending payment. I made an agreement with the attorney that works for Schools First, that instead of the charge off and repossession of a totaled car I would be sure the insurance company paid them in full, and the charge off was to be removed. Schools First is now refusing to remove the charge off on my credit report.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: CITIBANK, N.A.
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A transportation broker charged my credit card {$1200.00} when I tried to terminate their services because they were unable to locate a driver. Our contract indicated they were authorized to charge {$100.00} in the event they procured a driver to transport my automobile. On the same date that they charged my credit card, I contacted Citibank and indicated that they were not authorized to charge my card that amount. At that same time, I was never told that I needed to go through " Billing dispute '' versus the fraud department. 
Citibank stopped the payment and requested additional information from the vendor. Both the vendor and I submitted the contract which specifically stated that a {$100.00} charge would be payable by credit card and the balance would be due in CASH and paid directly to the driver. Even having the contract from both parties, Citibank still reversed the payment and has paid the company {$1200.00}. The company never procured a driver so they were not due anything, however, if I were to be liable for anything based on the contract the most that should have been processed on my credit card was the {$100.00} as stated in the contract. Citibank is now saying that they investigated fraud and if I had a dispute with the amount the information should have gone to their billing dispute department. I don't understand why they did not send it to billing dispute upon receipt of all documents. Now, I can not get anyone in billing disputes to handle because the " fraud '' department has the file locked. I don't know what any of this means, but Citibank has become as negligent as the vendor. I have called Citibank 11 times and submitted all documents and they still have not created a billing dispute nor helped me in any way. In the interim, this charge is now on my credit card and payment is expected or it will mess up my credit. Finally if anyone at Citibank took the time to read all of the documents, it would have been clear without doubt that this vendor was not due more than a {$100.00} feed and they allowed this vendor to steal {$1100.00} so they should be liable.

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 2022-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Since XX/XX/2020 I have been trying to resolve my claim with no positive result, instead I am told they are sorry and to continue to wait, it's been 2 years now of going back and forth with multiple supervisors agree that I should not be held liable and that this is not me or my fault, yet they still have not helped me, I have had to have this claim reconsidered over 60 times due to their denial that clearly is automated. They refuse. They sent out a letter last XXXX and I were to receive credit for my claim, and they refused say it was generalized, currently I have another claim of XXXX due to their negligence. using an old card on my account that was not active causing another huge strain and leaving me with nothing, I have begged them, and they refuse to help and refuse to give me a hardship I have complied with all of their demands, yet I get no where claim # XXXX {$1900.00} claim # XXXX {$9400.00} excuse no posting error has occurred Still have not received anything

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 2021-07-02
Company: General Motors Financial Company, Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have tried contacting all 3 credit bureaus to drop these inquiries. Transunion is no help even after speaking with a customer service representative. I can not get XXXX or XXXX to take them off either.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have been wanting to remove inquires from my credit report for almost 6 months now. I'm new to credit and just now figuring a lot of that i didn't have authorized or gave any consent. i would just like the items i have dispute removed and deleted from my credit profile so i can live a better life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX XXXX Bank account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX account # 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 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 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