BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-15
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 not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with XXXX XXXX. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2022-05-26
Company: CREDIT ACCEPTANCE CORPORATION
State: WI
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 no record of this account that ever belonged to me with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.

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 2022-05-26
Company: Experian Information Solutions Inc.
State: DE
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the FCRA section 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : EXPERIAN : XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$4000.00} XXXX : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$4000.00}

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 2019-06-26
Company: Diversified Consultants, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2019 and previous date I have sent Diversified Consultants a letter asking for validation of the debth they say I owe. Refuse to sent validation. They keep sending the same letter trying to collect a depth I have no knowelge of. They are reporting false information on m y credit report which is causing me hardship in obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: Southern Management Systems Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Me and my wife decided to rent and apartment but we couldnt take it, so after a while we received a call from southern management services a collector in XXXX FLORIDA, and my wife paid in two payments the amount owed of a total of {$1200.00}, her credit is fine but it is still showing on my side.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
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: Information belongs to someone else

Complaint:
i did not open this account it was opened frequently. I have notified the company but cant reach fraud dept because they will not provide full account/card number

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
several attempts to get 2 accounts corrected and updated as PAID. XXXX XXXX XXXX. i have also attached her Credit Report showing the Factual proof that the Credit Bureaus Failed to update the account so it can reflect Paid. both accounts have been PAID IN FULL.

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 2023-01-17
Company: MOHELA
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: Account status incorrect

Complaint:
Mohela has been reporting that I have not paid my student loan and that it has been late. 

Legally and federally all student loans have been on pause since XX/XX/XXXX and do not resume until XX/XX/XXXX. 

Student loan forbearance is the temporary suspension or reduction of student loan payments. During a forbearance period, you're not required to pay anything toward the principal on your student loans. Interest can continue to accrue on your loans and be capitalized or added to your balance at the end of the forbearance period. 

I am requesting that Mohela corrects this mistake immediately. 
I am also requesting that the consumer reporting agency examine the disputed information, which legally should be done within 30 days. If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: EQUIFAX, INC.
State: LA
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 have identified information on my reports that are a result of identity theft, these items are not related to any transactions completed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
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:
I sent a request for proof of these charges XX/XX/XXXX because this is damaging my credit score and I did not have a XXXX XXXX Account during these dates. Also they both have the same date of last payment and were closed within 1 day of each other. They also indicate that I supposedly opened one Credit card in XX/XX/XXXX and then another with them on XX/XX/XXXX. the credit limits were {$400.00} and {$700.00}. There would be no reason for me to apply for another card with the same bank and only get {$300.00}. I would just request an increase. These are clearly duplicated. 
Please see items below XXXX XXXX XXXX XXXX XXXXXXXX {$950.00} XXXXt XXXX XXXX  XXXX {$680.00} I have asked them for all documents including the application and/contract. I have received nothing except a Transunion letter dated XX/XX/XXXX stating that the information was verified. How was it verified? They did update the historical data but have provided none of the requested information to me.

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 2021-04-28
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I attempted to open several checking accounts XX/XX/23 being denied for every major bank in the city of XXXX, I was finally provided with a letter from XXXXXXXX XXXX informing me. Their decision was made because of a report from early warning signs I replied, I recently filed a XXXX XXXX XXXX so I shouldnt old or have any balance is due to any other banks, I contacted early warning signs. They informed me the account that they are showing reporting, which is prohibiting me from opening. A new XXXX account is from a Bank of America account, which was included in my XXXX  I reached out to the bank directly to try to obtain some information. The representative I spoke with was extremely rude. He told me that they had marked my account as fraud and thats why I will not be able to open a new account. I asked him several times what was fraud, or what fraudulent activity took place on my account he would not inform me, he said they dont have to tell me anything. Im lucky he told me the information that he did. Before my account was close, I attempted to deposit a XXXX from another XXXX  account from a different institution. The check was declined, the funds were never deposited into my account, this would be the only thing that I can think of them reporting is fraud, which, honestly its not fraud at all. The funds were just not available by time they attempted to process the check due to automatic withdrawals. I would like for them to remove the fraud label from early warning signs because its not fair to me. It wasnt fair for them to put it and its not fair for me to be penalized for something that is not accurate. I feel that Bank of America is very discriminatory towards people of XXXX  When I open the account I had to jump through hoops, hoops, hoops, in order to open the account now theyre making it difficult for me to open account at any XXXX institution.

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 2023-01-30
Company: GOLDMAN SACHS BANK USA
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
The card in question was originally through XXXX XXXX with XXXX issues ever experienced. The card was transferred to XXXX through Goldman Sachs and has been nothing but issues ever since. I have repeatedly had to spend time dealing with fraudulent charges on a card that I NEVER even activated in the first place upon receiving the new card under the XXXX branding. 

Each interaction with the company runs me approximately XXXX minutes of my time. The card has NEVER been used for a personal transaction. My only interactions with XXXX have been dealing with fraud. On Monday XX/XX/23 I spent XXXX minutes on the phone dealing with Fraud. The representative had to call me back MULTIPLE times because of " system issues '' repeatedly asking me to verify my identity through a phone code. She said level XXXX fraud would be in contact with me to resolve the complaint. I requested a call after XXXX due to my working hours. 

On XX/XX/23 I received at least XXXX phone calls between XXXX and XXXX while sitting in a meeting with my boss at work. Extremely unprofessional given I requested a call after XXXX. I also reviewed my email only to find NEW fraud charges being flagged on the account after the card was cancelled and a new one issued on XX/XX/23. 

Tonight XX/XX/23 I received multiple calls while attempting to cook dinner for my family. I advised the representative to cease calling my phone and close my account because at this point I feel I am being harassed by the company. I hung up on him and he called me back asking me to verify my account. 

These are outbound phone calls to my phone number on file and on top of that I verified via phone at least XXXX  times on XX/XX/23 to the same phone number. I told him I wanted his boss and a woman came on the line and again is requesting I verify my phone. I told her I would not being this, it was done repeatedly on XX/XX/23, I am being harassed and hung up the phone on her after telling her I want no further calls from the company. She completely ignored my request to not receive further calls, even after I advised her I would be filing formal complaints with the attorney general and CFPB ( I couldn't remember the name of this entity at the time and advised simply filing a complaint with any overseeing body regarding credit card companies ). 

I am done dealing with XXXX. I want my card closed and no further contact from the company ever again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I previously filed a dispute against my Wayfair Credit card for an item I returned and never received a refund for. Meanwhile, I continued to make monthly payments for the item and incurred late fees and interest. I have received notification from Wayfair that the dispute was resolved in my favor, and I was credited for the original purchase. I contacted customer support because, in addition to the credit for the original purchase, I am owed the monthly payments, late fees, and interest I should have never paid for this item. I was told I would receive the additional funds but to date have notes. The current balance of my account is- {$490.00}.

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 monetary relief
Consumer complaint received 2023-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Reporting company used your report improperly

Complaint:
I'm I was getting charged for certain things that are not authorize without my knowledge. 

I'm getting charged for credit cards that are closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Experian Information Solutions Inc.
State: NY
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:
I sent a request to experian to up date my name on file once by US postal and then several times electronically with supporting documents, ss card copies, Nys ID passport and they still have not updated my name and address. 
According to the fair credit reporting act, 12 USC 1681, I have the right to privacy. 
Also according to 15 C 6802, no financial institution is supposed to share my information with a 3rd party agency. 

These are clear violations of my federally protected consumer rights.

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 2023-06-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In late XXXX, I had received letters /correspondence from Citizens bank XXXX XXXX overdrawn checking accounts which I never opened or had! 
I threw them out by accident, but it said they were XXXX, I called Citizens call XXXX and was told there were XXXX accounts in my name! They told me they couldn't tell me much due to if it was or I was the real " XXXX XXXX " I NEVER opened these accounts, I feel my social security number was compromised. 
I froze my credit, filed a complaint w/Citizens ID Theft dept and Also a police report will be filed.. 
This has hurt my chances of purchasing a new car, applying for a loan and very time consuming. 
I am also taking legal action from Citizens having fraudulent accounts in my name for a year without contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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 complained to Capital One credit card company via ( telephone and later formal dispute ). I received two different responses on the same day ie ; XX/XX/2018. I called into customer service on several occasions asking someone to to a complete investigation into my complaint including reviewing telephone notes from each time I called in to address the " late payment '' accusations each time. As I continue to say ; This account was supposed to be set up on Auto Pay. AND at the time of me first opening this credit I was out of state. 

I was told by the many different customer service reps that the problem was not caused by me and it " the auto problem '' will be fixed. That is why each time the service fees were reversed. 

After I became aware that the problem would not be fixed. I immediately made payment to correct/ lower the balance. Again, I was under the impression the account was set up for automatic payment deduction each month. I was also under the impression at that time when the account was first open, -- -- that the account would be investigated and corrected and I had nothing to worry about. To LATER FIND OUT that nothing was changed/investigated/updated. I called plenty of times to address this with multiply customer service agents/reps. Please note that the only time I received a letter is a result of filing a dispute with the credit bureau and than following up with two different supervisors. I am not trying to be ungrateful or spiteful. However, this is not fair the way I am being punished for the company not correcting its payment acceptance. I can not rent an apartment or get a job because of this reporting. Please consider making an adjustment for me .... Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-03-15
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:
On XXXX, I've sent my dispute letters to the 3 Major Credit Bureaus but haven't received any notification nor details from their investigation. To this day, over 30 days later, I feel like I'm being ignored of my disputes.

Company response to consumer: Closed with explanation