BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-11
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative 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 XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: AES/PHEAA
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 XX/XX/2021 I sent a letter to the credit bureau in regards to items that were inaccurate on my credit report. I received no response for over 30 days and when I finally did receive a response for lack of better term the information was still inaccurate. I thought the bureau would update my my credit report accordingly but that was not the case. When I recently checked my credit report, the same inaccurate items appear on my credit report. On XX/XX/2021 in effort to get the issue resolved I sent another letter to the bureau explaining my confusion. After reviewing my credit report it makes no sense to me how both XXXX and XXXX have ALWAYS reported all of the same items from FED LOAN and FED LOAN SERVICES in positive standing, but XXXX have reported it as a negative. I understand making errors but this involves ( 16 ) items on my credit report! XXXX made a error reporting to the bureau and should correct it accordingly. This is really stressful and I am so confused. These inaccuracies are really effecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I was restricted via software from providing additional information regarding the dispute of XXXX relating to being placed into collections unlawfully without notice written, telephone, or otherwise, to collect a debt. Experian declined to request more information and is still including this in my credit report, when it is no longer present 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 non-monetary relief
Consumer complaint received 2021-02-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been paying for the Credit monitoring service with XXXX since XX/XX/2020, and I havent been able to update my report when XXXX. I called them they tell me to call them back because the system has to make the correction and update, but theres no correction it still doesnt work .There are accounts on XXXX and Experian that are not showing on my credit.

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 2022-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
This is about the transaction i made on XXXX XX/XX/2022 for an amount of XXXX $ using my Capital one Debit card, the merchant is XXXX ( at XXXX XXXX in XXXX ). The process at the casino was that, using a advance cashing machine.. i should do the transaction and the machine will give me the receipt. I will get the money only when i provide the receipt to the cashier, but i never provided the receipt to the cashier and didn't took the money. 

When contact, the merchant confirmed that they have reversed the transaction and sent the money back to the capital one on that itself, they have shared the proof to me. 

I have shared the proof with Capital one, during the second investigation, which started on XXXX XXXX.. but they were not resolving this issue at all. 

Its been over 1.5 month since the issue started and i was not getting any sort of help from the bank. Their customer service is pathetic and wont give any status update, will ask to wait to hear from their investigations team ( who will never provide any update ). 

This is going nowhere and customer like me are impacted. Below are the XXXX contact details. 

XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recently had a collection for XXXX dollars for XXXXXXXX XXXX for a medical bill that I didnt know about but paid in full. How can I get that erased off of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Mountain Run Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I check my credit score and I realize I have a collection and I immediately call and see whats this collection is for? They told me is a alarm system in a property I never live what happened was I hired that company to install 2 alarm systems I at that time own 2 convenient store it was important for me have it protected so, one of the sells person for this company tell me the is good to have so I decided to hire them in 2018 but them they went to one of my properties and tell my tenants to install the alarm system, but what I dont know was they keep my information and add it to that property but I dont have no idea they did that so I call the collection company and explain them my situation and they told me I have to sue the person who I think they did that fraud but I dont remember their names plus I dont have a idea how sue anyone but I cant pay for this collection I never live in that property and I dont know how they met and they probably check the property in property appraisal and see I own that property at that time.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
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: 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 mental and financial distress, 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 2023-09-19
Company: EQUIFAX, INC.
State: NY
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 am unwilling to accept your attempt to diminish the significance of my identity theft claim as a mere error or a misrepresentation of crucial information. It is important to note that you lack the authority to determine what qualifies as a material fact ; you neither serve as a judge nor a jury, nor do you possess the capacity to render such judgments. Your right to do so is unequivocally absent. My distress stems from the fact that I have become a victim of identity theft, a criminal act that has inflicted severe emotional and financial distress upon my life. Regrettably, the response, or lack thereof, from your bureau has demonstrated a startling indifference to the urgency and gravity of my situation. Allow me to be unequivocal : I will not tolerate the apathy and indifference that I have encountered thus far. As an identity theft victim, I have endured the consequences of unauthorized accounts and transactions that have tarnished my credit profile and placed my financial stability in jeopardy. These repercussions have been profound, affecting my ability to secure loans, mortgages, and even employment opportunities. PLEASE DELETE THE 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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/2018 and a balance of {$0.00}. 

I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Experian failed to perform an investigation and delete the disputed information.

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 2021-07-16
Company: AMERISAVE MORTGAGE CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021 I received an alert that Amerisave Mortgage Corporation requested a copy of my credit report. I also received another alert that XXXX XXXX  XXXX also requested a copy of my credit file. On XX/XX/XXXXI received a letter in the mail from Amerisave titled : Notice to Home Applicant, with details of my credit report. I have not applied for a home loan and I did not authorize either company to pull my credit. I did not speak to anyone from either company, neither did I fill out a credit application for a home loan. XXXX XXXX  XXXX said I needed to speak to Amerisave, I have not been able to reach anyone at Amerisave after several attempts, I even left a review in hopes that someone would reach out to me. I also called XXXX  and they stated I needed to contact the company to file a dispute but I am unable to connect with anyone from Amerisave.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
debt collector is in violation of fdcpa. They are reporting this allege debt on my credit report. I never gave them consent to report this allege debt. in addition, they have unauthorized access to my private personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: MI
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:
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 correct : 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 explanation
Consumer complaint received 2022-09-14
Company: AMERIS BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a 30-year fixed loan at 3.875 % interest rate on XX/XX/2021 with XXXX XXXX XXXX XXXX # XXXX ) with Ameris Bank and was told by him that we needed to pay 1 % of the loan amount ( {$3000.00} ) to " lock in the rate ''. XXXX told me numerous times over the phone that it would be 100 % refundable. I asked him to send me an email stating that so I could be reassured it was refundable before sending over the wire. He sent over an email stating that the " upfront fee is refunded '' which he highlighted and with that confirmation, I sent over the wire of {$3000.00} that he requested for the " FLOAT/LOCK RATE ''. Unfortunately, my circumstances changed and I no longer wanted to go through with the loan. I asked XXXX XXXX and Ameris Bank numerous times for the refund that I had been promised both orally and in writing and they refused to provide me with the promised refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: CITIBANK, N.A.
State: HI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Opened checking and saving priority account and got blocked due to possible fraud and saying I have violated an agreement and all account including credit card will be shut down. All funding was transferred from my own US accredited bank so shouldnt have been an issue ( XXXX  and XXXX  ). Have been using XXXX  to pay off my credit card for years! Been contacting citi weekly since mid XXXX to get issue resolved. Been over a month and very little progress has been made. Contacting via phone and email has been useless. Lots of unanswered email and almost always no one pick up when I call back on the number they left on voicemail. After a month of unnecessary investigation finally unlocked checking account but still block online access so cant put money into saving account. The only reason an account was open was because of the 4.3 % interest rate that was promised. I am tired of having my own money held hostage.

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 2023-09-19
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
It appears that my 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 is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : {$0.00} XXXX-XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
In accordance with the Fair Credit Reporting act XXXX Account capital one, 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 I XXXX XXXX and XXXX XXXX XXXX made a money wire transferred to my mortgage with Wells Fargo. Since there had been prior communication with the bank it was agreed that the {$25000.00} dollar wire will be applied to the principal only. As a result, the debt successfully dropped from {$89000.00} to {$63000.00}. 

Since XX/XX/2020 the loan maturity date has not changed. It continues to be for year XXXX. The mortgage monthly payments are not lower either since the money wire on XX/XX/2020. 

We the customers have questioned Wells Fargo via email on XX/XX/2020 and on XX/XX/2020 and both occasions Wells Fargo has written back with the same excuse. The bank has provided the address of the investors to my mortgage in New York. Wells Fargo has failed to disclose the investor 's names or even worst ATTEMPT to be a liaison between the investors and us the clients. Wells Fargo has shown NO ethical duty to order the " investors '' as described by them to review and provide a new and accurate maturity loan date. 

Furthermore, this should be violation since our mortgage interests are been computed on the old maturity date ( XXXX ) and not on a newer maturity date. 

Wire sent to : Bank Name : Wells Fargo, N.A. 

ABA Number : XXXX Account Number : XXXX Credit Account Name : 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 explanation
Consumer complaint received 2023-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I went to withdraw funds from account and wasnt able to. I went into the bank to find out why and was told my account was closing with no reason given. I didnt receive any type of notices that my account was closing. I have over a XXXX in my account for bills and expenses. That Im unable to access. Bank of America said it can take up to 30 days to receive a cashiers check.

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 2023-05-04
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: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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