BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is my complaint for you to inform that as I open my credit report, I had found out that there are some inaccurate information that are needs to be corrected as soon as possible. For this reason, I want you to conduct an investigation regarding this issue. Please adhere to the law. Correct these accounts on my credit file : US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, XXXX Balance {$1500.00} ; US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, XXXX Balance {$1500.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1600.00}.

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 2022-11-07
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello, On XXXX XXXXXX/XX/2022, I deposited in person at Citibank, an {$8000.00} check I received from the XXXXXXXX XXXX. The next day, I deposited XXXX smaller checks via mobile deposit. On XXXX XXXXXX/XX/XXXX, I learned that my account had been closed due to unusual deposit information. As a result, they informed me that my balance had not reflected any funds from any of those deposits. When I contacted the casino, I learned that they check had indeed been cashed on the XXXX of XXXX. I am in desperate need of those funds as I have a foreclosure court date approaching on XX/XX/XXXX and I need to have my balance paid to date. Citibank does not have any information regarding where I will receive my funds but said it could take up to XXXX XXXX, This is outrageous! How is this legal?

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 2023-02-03
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have identified certain transactions on my consumer report to be a result of identity theft.

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 2023-01-09
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Experian illegitimately assumed the role of reporting information about me. I've reach out to Experian ; in attempts to resolve their careless and reckless actions ; amicably and out of court more times than I've kept record of ; via telephone, handwritten letters and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX ). Despite me proving proof of their negligence, my commands and demands to redress this matter ; Experian purposefully continued to commit fraud. Experian unlawfully, without my consent, without providing any type of adequate notice, or without any type of authorization from me deliberately, knowingly, illegally, and willfully used my credit card ( SSN ) to furnish allege incorrect information about me. Experian committed aggravated identity theft against me. Their actions put me at risk further of identity theft. Experian also willing directly violated the XXXX XXXXXXXX XXXX XXXX XXXXXXXX, The Consumer Credit Protection Act, The Truth in Lending Act, The Fair Credit Reporting Act and The Fair Debt Collection Practices Act, The Consumer Financial Protection Act, The Fair Credit Billing Act, The Dodd-Frank Act, and The Uniform Commercial Code. Due to Experian XXXX XXXX XXXX XXXX XXXX XXXX and gXXXX XXXX XXXX. I've been denied extensions of my own credit in excess of well over {$100000.00} ( 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 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1500.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$870.00}

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 2022-11-07
Company: Experian Information Solutions 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:
There are unauthorized businesses on my credit report.

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 2023-08-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I went online XXXX, to get a payoff amount for the car. 
After getting the amount, {$13000.00}, Wells Fargo erroneously changed the loan to paid off. There was not enough money in my account for that amount. The account shows it posted the entire payoff. The balance is XXXX. 
Theyre unable to reverse the transaction at this time. I am unable to sell the vehicle due to this error. 
They stated, after numerous phone calls, it may reverse in XXXX days or I may have to refinance the loan. There have been no clear answers. 
I have only 7 days to sell the car at the offer that was promised. The cost will continue to decrease daily which means I loose more money.

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 2017-12-16
Company: Optima Recovery Services LLC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid the XXXX service long time ago by insurance company, but still showed up in collection on XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Violated the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that they have on file for the account listed. Invalidated information by Equifax was not removed which constitute fraud under both Federal and State Laws. Due to this fact, negative mark are found on any of my credit reports.

Violation of the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) Violation of the Fair Debt Collection Practices Act 15 USC 1692g

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: U.S. BANCORP
State: NE
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A reaffirmation was signed and filed with the US bankruptcy Court on XX/XX/XXXX. US Bank is not reporting our payment history properly to the credit bureaus. They have reported our Mortgage as being closed. It is very much open and in good standing. Our reaffirmation is proof of that. We have sent three letters requesting US Bank update their credit reporting, and send us a full account history of our mortgage from XXXX XXXXto present. In there latest response dated XX/XX/XXXX. XXXX, they refused to update reporting and stated the information request was confidential, proprietary or privileged. Any such documents are not being provided. I being the mortgagee am entitled to information concerning my mortgage. There lack of reporting correct information has had derogatory impact on my credit. I have had to pay a higher interest rate on a new HVAC system. This is unfair credit practices.

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 2018-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
IN REGARDS TO XXXX : XXXX. XXXX XXXX XXXX TX XXXX I HAVE BEEN A VICTIM OF IDENTITY THEFT AND FRAUD HAS BEEN COMMITTED IN OPENENING AN ACCOUNT IN MY A FRIVIOULOUS NAME UNDER MY SOCIAL SECURITY NUMBER. I HAVE DISPUTED WITH ALL AND YOU CONTINUE TO COME BACK WITH THE INFORMATION AS VERIFIED ACCURATE WHEN I KNOW IT IS NOT TRUE. I was wondering why the furnisher is reporting this account as accurate when they dont have legal status to do so.Im not a lawyer or anything but if a furnisher doesnt own the account anymore, then how can they validate it? This account is clearly inaccurate. Please delete this inaccurate information NOW. 
I asked for proof of the debt you claim I owe, and you sent me a basic print out that came from your computer. What happened to the document with my signature on it? I'M a victim of identity theft? This print out does not prove that I owe the debt listed below. 
Because you did not give me the documents requested, you did not prove I owe this debt. If you cant prove it, you cant report to the bureaus. As a result, you must delete this inaccurate item ASAP. If you continue reporting this item, I will continue to file complaints with the various agencies that regulate your organization such as your bond company and your professional insurance. In addition, I will explore all legal options on this matter. 
Im placing your company on notice. If this item is re-reported to the bureaus within the next 60 days or in the future, I will exercise my rights under the FDCPA and the Fair Credit Reporting ACT.Dont take me for granted.

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 2020-12-22
Company: EQUIFAX, INC.
State: OH
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:
My late payments are reporting inaccurate in XX/XX/XXXX and XXXX they are reporting on time but XXXX of XXXX and XXXX they are reporting 120 days late in XXXX and XXXX they are also reporting inaccurate how is this possible when its only 30 days in a month also XXXX  is reporting 11 late payments but XXXX  and Equifax are only reporting 2 I have reached out to the credit bureau several times about this issue and always get the same results a update without any changes

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: AMERICAN EXPRESS COMPANY
State: WY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My American Express XXXX XXXX XXXX XXXX! 

I want to share my experience with Amex. and XXXX XXXX. Here is why I would not recommend either of these companies : On XX/XX/2023 I signed up for the American Express XXXX XXXX card with a XXXX points SUB after spending $ XXXX in XXXX months and a no annual fee. 

On XX/XX/XXXX I reached the spending requirement. 

On XX/XX/XXXX I reached out to American Express and XXXX XXXX asking when I could expect to receive the points. The rep. at Amex told me that they had transferred the points to XXXX XXXX on XXXX XXXX and on XXXX XXXX they were transferred and accpeted by XXXX XXXX. 

On XXXX XXXX I again spoke in a three-way conversation with Amex. and XXXX XXXX confirming that the points had been transferred to XXXX XXXX. The XXXX XXXX rep submitted a Loyalty case and said the points should be posted to my XXXX account soon. 

XX/XX/XXXX I once again called XXXX about the Loyalty case and the rep. said they were still working on it. 

On XXXX XXXX I spoke with Amex. XXXX who said to check with XXXX on XXXX XXXX and the points should be posted soon. 

On XXXX XXXX I spoke with XXXX and was told that I should receive the points by the end of the day or the next. I was also told that they had received approval from their corporate office on XXXX XXXX for the XXXX points. 

On XXXX XXXX I spoke to someone named XXXX at XXXX corporate office and she said she was sending info to another dept and it was still in progress and she did not know why they had not been posted yet. 

On XXXX XXXX I spoke with someone from XXXX XXXX Assistance and they are requesting an update as the case is still in progress and that I would receive an email to that effect. 

As of today, XXXX XXXX, I still have not heard from anyone nor received the points. I believe there are better options out there for hotel points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
They have failed to resolve my concerns. They have failed to communicate with the creditor involved. The credit consulting agencies have failed to provide coherent and consistent reports. All their details were mismatched to one another, not just in one criteria or rows but all other 5-9 rows were incoherent, incorrect and misleading.

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 2023-07-27
Company: EQUIFAX, INC.
State: TN
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, TN XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXXXXXX XXXX, AL XXXX ; XXXX XXXX XXXX, TN XXXX ; XXXX XXXXXXXX Balance Owed : {$580.00} ; XXXX XXXX XXXX Balance Owed : {$64.00} ; XXXXXXXX XXXX  XXXX XXXX XXXX Owed : {$1100.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX BalanceOwed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX BalanceOwed : {$0.00} ; XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX {$1300.00} ; XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I noticed my bankruptcy reporting on my credit report around XX/XX/XXXX  I sent out via certified mail to US BANKRUPTCY courthouse and asked them who gave my personal information to the 3 credit bureaus and XXXX... the courthouse sent me a letter in the mail received XX/XX/XXXX  stating they don't share my information with any credit bureaus or third parties. 
On XX/XX/XXXX  I then certified mailed XXXX, XXXX, XXXX, XXXX sending them the copy of the letter from the Courthouse and a letter demanding they delete the unlawful reporting tactic. Which none of them have and I have also spoke to all three credit bureaus on XX/XX/23 and they are refusing to do so. XXXX rep stated they get their infor from Pacer.gov .. yet still it was NOT the US Bankruptcy Court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: EQUIFAX, INC.
State: GA
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:
A Collection and charge-off is showing on my credit report that does not belong to me, or my address has no ties with this collection or me. This was added to my credit file without my knowledge or my consent.

This is illegal and against the law, stated 15 U.S.C 1681 section 602 A.aw to be reporting improper accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: EQUIFAX, INC.
State: AL
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:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

These Accounts are not mines and are unverified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts ) XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: NAVY FEDERAL CREDIT UNION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'm trying to get my credit updated and XXXX  person that keeps calling are calling at bad times and expect me to drop everything and answer her questions. She will not give any contact information so that I may call her back. Her name is XXXX. she will not allow me to speak with her supervisor either. I really need help and XXXX is not the one. Just horrible in courtesy and professionalism.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation