BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/XXXX, I filed a dispute about a reporting with XXXX XXXX of which listed one account as being almost maxed out and another account as below the credit limit that I had recently brought down in the beginning of XXXX - of which both accounts were wrongly calculated in my credit utilization because I only have one account with XXXX XXXX  of which was a secured credit card that I canceled in early XXXX and am expecting a refund from the difference of the security deposit on the account and the balance. I did inform XXXX of this dispute of which they promised to fix. Today on XX/XX/XXXX - I checked my credit report on XXXX XXXX  and discovered that Equifax had deducted XXXX points from my credit score as it listed a change of higher utilization of my XXXX Account -of which they reported two accounts based on XXXX and XXXX of XXXX - of which had not been disputed. Only the double reporting of my account and current balance had been disputed. I had been bracing for a possible loss of credit score points due to paying off the account and closing along with the credit limit being lowered on total credit utilization but not the continuance of reporting errors and the resulting loss of XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: Thaxton Investment Corporation
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: Was not notified of investigation status or results

Complaint:
This is a formal complaint against Covington Credit Texas located in XXXX, SC. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Covington Credit Texas located has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: EQUIFAX, INC.
State: CA
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:
This Bankruptcy accountis being reported on my credit report as if they are the furnisher,. this account is reporting inaccurately and needs to be deleted since you are violating 15 USC 1681e ( b ) by keeping my credit report from reporting 100 % accurately. This Account needs to be removed from my file. XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/2018 Reference # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
I have reached out to the bureaus about the numerous violations that have been furnished on my consumers report. The bureaus are using unlawful tactics to obtain my private information. My consumer rights have been violated an the credit bureaus need to be handle accountable

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 2023-02-17
Company: Experian Information Solutions 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:
On XX/XX/XXXX I made a payment on my XXXX card. On XX/XX/XXXX I paid the balance in full prior to the XX/XX/XXXX statement date. On XX/XX/XXXX XXXX incorrectly, negligently applied a {$7.00} Interest charge to my account. According to my records it was paid off to XXXX because it was. Adding insult to injury I contracted XXXX the end of XX/XX/XXXX through XX/XX/XXXX ( hospitalized 2 times ) I am only advising of that because I wasnt even in the position to monitor this. So I couldnt have stopped what XXXX was about to do to me. They reported me 30 days late to all credit bureaus, they decreased my available credit line. This has majorly and unfairly damaged my credit. I spoke with 3 reps at XXXX the first one immediately removed the now {$9.00} interest fee. I then spoke to a rep who was wonderful she apologized profusely and acknowledged the incorrect reporting, but an apology can not fix this fast enough for me to be able to trade my car in. XXXX reps, although acknowledging the mistake, can not resolve it today nor can they advise a time frame. I have a XXXX XXXX XXXX XXXXXXXX I am an American with a XXXX. I am 100 % XXXX on SSD I have limited income and I have worked so hard to keep my credit up, to build it so I could buy a new car and XXXX single handedly ruined this. Although this is being escalated within the bank there is no resolution for repair. I have had help handling this, but what about other XXXX people who dont have help who wouldnt have realized this, this shouldnt have happened to me and I am submitting this in hopes I can even help this from happening to one more person. They charged interest that wasnt owed, they reported me 30 days late and possibly 60 ( they arent sure if that will hit yet ) and they lowered my available credit affecting my credit card usage. Thanks for taking the time to read this.

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 2019-12-11
Company: Experian Information Solutions Inc.
State: FL
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 distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100% accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

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 2022-10-05
Company: EQUIFAX, 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: Account status incorrect

Complaint:
CXXXX XXXX XXXX XXXX  showing negative for both Equifax and XXXX. XXXX XXXX stated they sent the letter of deletion to all 3 companies. XXXX now shows " account paid as satisfactory ''. This was an auto loan from XXXX, I was originally advised it'd be removed in XXXX, however, XXXX XXXX agreed to update so it wouldn't show as a negative. XXXX is the only one who made an update, not a removal though. I want this removed or updated so it's not a negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: OR
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 checked my credit report just because I don't usually and found that someone has used my information to open accounts for years! I tried calling the crditors I am being given a run a round, nobody is willing to help me even though my identity was compromised.. once at XXXX, and once at XXXX, I have received confirmation from both of these companies that my credit profile was compromised. In short my credit is all messed up.. I figured I was just using cash and had no credit and here I am with a whole bunch of accounts I never had anything to do with???!? 
These accounts are listed on my XXXX credit report XXXX XXXXXXXX ACCOUNT NUMBER XXXX XXXX {$430.00} limit  {$300.00} 60 DAYS PAST DUE XXXXXXXX XXXX XXXX opened XXXX XXXX, XXXX XXXX  {$300.00} XXXX CHARGED OFF XXXX XXXXXXXX {$420.00} XXXX XXXX XXXX XX/XX/XXXX opened {$300.00} limit charged off as bad debt XXXX CHILD SUP 6 late payments XXXX XX/XX/XXXX opened XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX, XXXX date opened XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX {$2600.00} XXXX XX/XX/XXXX date opened XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX date opened {$420.00} balance XXXX XXXXOriginal creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$620.00} XXXX Original creditor : XXXX XXXX XXXX XXXX XX/XX/XXXX {$330.00} XXXX  Balance {$680.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$2600.00} XXXX XX/XX/XXXX opened XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX opened XXXX XXXX XXXX XXXX XX/XX/XXXX open {$620.00} XXXX XXXX XXXXOriginal creditor : XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax Balance XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX -- Revolving XXXX XXXX, XXXX Open not more than three payments past due XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXOpen Account XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXOpen Account XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Closed Charge-off XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 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 30 days gives a reason to immediately remove those items from my credit report it has been over 30 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, XXXX and Transunion 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 non-monetary relief
Consumer complaint received 2022-10-05
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX showing negative for both XXXX and XXXX. XXXX XXXX stated they sent the letter of deletion to all 3 companies. Experian now shows " account paid as satisfactory ''. This was an auto loan from XXXX, I was originally advised it'd be removed in XXXX, however, XXXX  XXXX agreed to update so it wouldn't show as a negative. Experian is the only one who made an update, not a removal though. I want this removed or updated so it's not a negative.

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 2019-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am open an account with Capital one with ITIN number ( Tax Id)  which i was approve for a credit card  and also opened checking account 360 using the tax id  because i was not having social security number by then. recently i received my social security number and i decided to update my record with them and i called them. i gave them the social security number and i was inform that my call will be directed to Fraud Department to speak with a specialist, the specialist ask me to send documents through a link she emailed me , which was my SSN card, ITin Certificate, Passport, Prove of address, My Employment Authorization card, after submitting those documents through the link they provided i was in formed that i will receive a call back to know my status since they suspect fraud and i question her that i am calling them with my phone number on file so what is fraud about that.. I never received a call back for 3 weeks so i called them back to find out and for me to be told they cant verify my documents and my account will remain blocked and i argued with them that the documents are issued by the government. The fraud specialist ask me again to forward them the documents again using my mobile phone which she was on the phone with me and i did forwarded the documents using my mobile phone to take pictures and upload. i was told i will receive a call from a specialist telling me my status a day after i received a call on my home phone number which i was home and answered and i was told my account is still blocked because they still cant verify my documents.  3 days after  again i receive  a call on my mobile phone telling my due to suspected fraud the is still restrictions on my account. Today i called again because my online access has been block and i cant access my online  i felt i was discriminated due to my race because for 1 hour on phone they could not tell me reason why they suspecting that government issued documents are invalid and i was ask again to submit document which i told the gentleman i wont because this is purely frustrating and discriminating i just want to update my tax id to my new ssn and i am going through all this , he said he will forward the call to the fraud department to speak with some one which he did and all i could be told is i should wait 3 hours to login and i waited for 4 hours try logging in i still cant get access to my online banking.. i feel been discriminated and i feel been humiliated base on my race(XXXX).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Address is incorrect should only show and be XXXX address XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX. I have requested removal of all other addresses before and they would be removed only to come back on a short time later!

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 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX XXXX, No agency shall disclose any records, which is contained in a system of records by any means of communication to any person, or to another agency. ( Privacy Act 1974 ). Obligation policy states it is the policy of the Congress, that each financial institutions have affirmative and continuing obligation to respect the privacy of customers and protect the security and confidentiality of those customers non-public personal information ( FCRA, 15 U.S.C. 6801 ). Canceled debts states that a charge off is considered a certificate of indebtedness which means it is income that can not be reported to consumer reports ( IRS Publications 4681 ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( FCRA, 15 U.S.C. 1681 ). Yet again, Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers ( FCRA, 15 U.S.C. 1681 ). Any person who willfully fails to comply with any requirement imposed with respect to any consumer, is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure of damages of not more than {$1000.00} ( FCRA, 15 U.S.C. 1681 ( n ) ( a ) ( 1a ) ). A non-affiliated third-party that receives from a financial institution shall not directly or through an affiliate of such receiving third-party, disclose such information to any other person that is a non-affiliated third-party, unless such disclosure would be lawful if made directly to such other person by the financial institution ( FCRA, 15 U.S.C. 6802 ( c ) )

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 2023-06-20
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am writing to bring to your attention a serious matter that has been ongoing since XX/XX/2023. This situation concerns my banking account with Citi, which has been handled in a way that is distressing and unacceptable. I am based on North Carolina USA. On XX/XX/2023, I was informed via mail that my Citi banking account was restricted and would be closed within 60 days. It was explicitly stated that I would receive a check from Citi within that timeframe, as I had a balance exceeding {$4000.00}. However, it has been more than 100 days since the notification, and I am yet to receive the aforementioned check. In an effort to resolve this issue, I have contacted your customer service department on more than 40 occasions. Despite the numerous calls and the countless minutes spent explaining the problem, I have been met with nothing but apparent indifference, with no one providing a clear solution or offering a viable means to rectify the situation. The situation has reached an impasse and has put me under substantial financial strain and XXXX XXXX. The absence of a meaningful response and the failure to return my funds is not only deeply concerning but also, in my opinion, unprofessional and negligent. Therefore, I kindly urge you to look into this matter with the urgency it deserves. I have waited patiently for a resolution and would like my funds returned immediately. If my funds are not promptly returned, I will have no choice but to escalate this issue further, including potentially seeking legal redress. I look forward to hearing from you soon with a view to resolving this matter expediently.

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