BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-13
Company: EQUIFAX, INC.
State: CO
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:
Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and financial XXXX preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 3 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 corrected : DEPT OF EDXXXX XXXX Balance : {$3100.00} DEPT OF ED/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 2020-11-13
Company: Conduent Incorporated
State: MS
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
My card got suspended and they want issue me a new card they said I had to talk to the fraud department they want never answer the phone I need my card for my unemployment benefits its eppicard please help me get my card unsuspended

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: FIRST NATIONAL BANK OF OMAHA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
While I was in XXXX, my XXXX credit card was used fraudulently. When I came back to the XXXX on XX/XX/2022, I realized the charges and reported the transactions to the bank. Recently I received a letter saying that they have proof from the merchants that I made the purchases. When I called about this proof, they told me that there is no proof, but the charges are constant with where I usually use the card. They even told me that they didn't contact the merchants. I am in XXXX now, and I was in XXXX during the transactions. I can prove to you that I didn't make the purchases, but the investigator makes assumptions, and even not contacting the merchants is not good, nor ethical. The bank or the XXXXnvestigator is biased and XXXX  me without getting any evidence or doing a proper investigation. Again, I can send you proof but you do not have any proofs to XXXX  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 monetary relief
Consumer complaint received 2022-12-20
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX : - ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX OF XXXX Inquired on XX/XX/XXXX ; XXXX XXXX OF XXXX Inquired on XX/XX/XXXX 2022

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 2023-04-11
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Explanation : To my knowledge, these multiple inquiries were unauthorized. I would like to be provided proof that I consented to these inquiries via FCRA section 609 and 605 as well as their accuracy per FCRA section 623. If you have no proof immediately of any or onXXXX, I would like it removed immediately. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

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 2023-09-22
Company: Experian Information Solutions Inc.
State: NC
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$3700.00} ; XXXX XXXX XXXX Balance : {$840.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$920.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$780.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$0.00}.

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 2018-04-08
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a billing from Collection Agency which consisted of five different creditors under one account number which I assume they purchased and wanted to collect those funds. Immediately upon receiving the billing I responded to them with a validation request. Within 30 days after mailing that request I received one document from them for only one of the creditors. Approximately sixty days after that I received documents for two more of the creditors and a letter with those documents acknowledged receiving my initial validation request. Although unnecessary I mailed them another request for validation for the last two creditors. It has now been approximately 45 days since I sent the second validation request and they have not received anything. The way I understand it is a Collection Agency has to comply with a validation request within 30 per the Fair Debt Collection Practices Act and this Collection Agency has only complied with validation of one of the five creditors listed. I just a week ago mailed them a Cease and Desist letter and with it I did assume responsibility for the one creditor they validated within 30 days. I am preparing a follow-up letter to the collection agency to see what their intentions are. 
I am XXXX years old and retired. I receive a monthly Social Security Benefits. This company has taken a toll on me by not communicating and making me wonder what they are going to try and do next. In the Cease and Desist letter I informed them they are in violation of the Fair Debt Collections Act, Section 809 and 813. 
What do you think I should do next?

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 2020-08-06
Company: Risecredit, LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Rise credit lending is a predatory lending Company. They have destroyed my credit for years now. XX/XX/XXXX I was given a {$2200.00} loan with an interest rate over % 100. I paid them over {$7000.00} in less than one year. Last payment made was {$2000.00} XX/XX/XXXX under the advisement that the balance would be paid in full. 
Yet they held onto my loan for another full year with a small balance and accruing interest all the while. XX/XX/XXXX they then sold it to a collection agency which has given me another 7 years of a derogatory mark. I have been writing letters and explaining to both companies for years. FINALLY the collection agency agreed with me that what they did was illegal. Collection agency removed themselves from my credit report ( thank god ) Rise on the other hand refuses to remove themselves. 
Also The information/dates/payments etc reported on my credit is false/wrong/illegal. discrepancies all Across the board & Completely wrong information. It updates daily and I have had no choice but have them linger.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Dovenmuehle Mortgage, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This company does not offer any options internally to make biweekly payments nor do they accept " partial '' payments to be AUTO-DRAFTED bi-weekly from my personal checking account. 
I called today and spoke with a customer service representative who said I had no other options. I asked to speak to someone so I could make a record of the request to consider this option and she said there wasn't anything they could do and she knew that wouldn't help. 
I know banks are in the business of making money, but seriously I wanted to attempt to save money, pay upfront a month, and initiate bi-weekly payments and was offered no options. Unacceptable. This company should have a bi-weekly mortgage payment program for its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
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: Their investigation did not fix an error on your report

Complaint:
I had several accounts with XXXX XXXX XXXX XXXX and I have requested information in reference to the accounts they are reporting on my file. I do not know if it's the bureaus or the credit union showing the incorrect information, so the accounts were already disputed with the bureaus and I sent a certified letter to the credit union requesting details that are reporting on my personal credit file. It has been well over 30 days and I have yet to receive anything from the credit union. I have attached proof of the request and proof they received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: American Financial Network Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2020 We went under contract on a home located at XXXX XXXX XXXX XXXX GA XXXX. We sent all the paperwork as soon as the underwriter requested it. We have provided everything immediately. All our record were in order. 

I paid for the appraisal on XX/XX/2020. The appraiser scheduled the appointment 2 weeks later and we had to send an amendment to ask for more days on the appraisal contingency. After waiting forever the appraisor gave a report that was messy. This made the underwriter ask for more documentations which prolonged the closing. We spent 5 days trying to contact the appraiser to fix  the errors. 

After the underwriter noticed that the appraiser was not cooperating they dismissed it. After not being able to close on the agreed date of XX/XX/2020 we push the closing to XX/XX/2020. We were happy that all the conditions were met until the underwriter started taking more than 72 hours to respond. 

The lender would call the account manager and underwriter at Orion Lending and send emails and they would not get back to us. On Monday XX/XX/2020 the underwriter ask us to send the proof that the earnest money was deposited. I mean really at this time in the process they want to ask for something so simple and prolong the closing evening more. 

We have to give a 60 notice to our apartment complex and now we are living in our car with our XXXX year old son because of the underwriter fault. Today is XX/XX/2020 and we have not heard from the underwriter that was supposed to respond back to us immediately. My lender has been calling them and emailing them every hour on the hour and they have not reached back out to us. This is pitiful and this company should be shut down for negligence. 

We even had to make an agreement to give the seller XXXX months rent to allow them to wait for us as we close.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
Company: Experian Information Solutions Inc.
State: OH
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:
I disputed derogatory accounts with all three credit bureaus on XX/XX/2018 XXXX  deleted and corrected the situation with the derogatory collection accounts, ( Accounts : XXXX # XXXX, XXXX # XXXX ) with Experian and XXXX  the two derogatory collection accounts have not been deleted, Experian or XXXX investigation method does not equally reflect XXXX  investigations or results.

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 2023-08-18
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 am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2020-08-06
Company: Santander Consumer USA Holdings Inc.
State: SC
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:
Im a victim of santander multi-state sub prime. Need all info removed And deleted from credit report effective immediately. Contacted attorney general about this situation as well. Plus its showing on my credit report 2 times for unknown reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Experian Information Solutions Inc.
State: NY
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 am writing to notify you of the violation of my rights under Federal law. Understand that if these accounts are not removed from my report immediately, I will take legal action against you as my right under federal law. 
Under 15 USC 1681 ( a ) congress defines a consumer report as the term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ..... 
Understand that by this law, XXXX is included because you provide this consumer report and you are a consumer reporting agency! Under 15 USC 1681 ( 2 ), it also mentions exclusions pertaining to consumer reporting. I am quoting directly from congress so understand that your reporting is a federal violation based on laws put in place by congress.

15 USC 1681 ( 2 ) i excludes the reporting of report containing information solely as to transactions or experiences between the consumer and the person making the report. 
The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
All of the companies listed below are CORPORATIONS as defined by congress as a person Therefore the transactions between the consumer ( me ) and these corporations should not be on my consumer report under FEDERAL LAW! You are in direct breach of the federal laws put in place to protect the consumer. 
I will not be violated any longer and will seek legal action and monetary compensation for the adverse actions taken against me if these accounts are REMOVED IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
State: MS
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:
UNAUTHORIZED INQUIRIES ON MY ACCOUNT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: DE
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 recently notice that someone was applying for credit in my name, I contacted the credit companies and the credit reporting bureaus and noone was willing or able to help me get my situation straightened out.

Once i noticed these fraudulent inquiries I. immediately contacted the creditors and the credit bureaus, neither were willing to assist me with my issue.

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 2023-10-27
Company: CITY NATIONAL BANK
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXXXXXX  ( a Merchant processing service ) perpetuated a fraudulent ACH withdrawal my business checking account for {$28.00} on XX/XX/XXXX XXXX XXXX 

I did not authorize this ACH, in fact, I provided an email to XXXX rep stating I was not interested in their services. 

When I noticed the fraudulent ACH charge on my business checking account monthly statement, I immediately sent an email to the XXXX  Client Officer, who verified the charge was from XXXX XXXXXXXX. She opened a dispute in XXXXXXXX XXXX XXXX, and as of yesterday, she emailed me to say that " we are at the mercy of the merchant, XXXX XXXX when they wish to respons. '' The Bank refuses to refund my money fraudulent removed from my business checking account, claiming it is up to the merchant to respond. 

I have the PDF of email string ready to send to you.

Company response to consumer: Closed with explanation