BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-03
Company: Avant Holding Company, Inc.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Closed the account, did not return the credit balance, as requested, several times. 

Account number XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: IL
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:
The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, and date last reported is not accurate. The ground for removal they also violated my rights under 15 USC 1681 section 602 A.States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions Also the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: CITIBANK, N.A.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid off my Citibank credit card bill of {$12000.00} this past summer in a lump sum payment. I was under the impression that the balance was at XXXX. A couple of weeks later I had an XXXX XXXX XXXX and then contracted XXXX. I was recovering and wasnt on my phone. I then finally started using my phone and was shocked when my credit score dropped over 100 points. I investigated and contacted Citibank immediately. They then reassured me that since Ive been a customer and Ive never had any late payment on my credit history they would remove the late payment and nothing would be reported to the credit bureaus. To my surprise this did not happen. They lied and thats the issue here, I was completely misled by the people who work for this company. I am still disputing this case. I have attached a copy of the letter that I sent out to them after speaking to a representative named XXXX. I just want to know why they lied and werent truthful about the process. They removed the ding on my credit score and then put it right back in XXXX? So many months after the incident in XXXX. I want them to provide the chat history and answers that the employee provided because that is the issue, I was misled.

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 2023-09-01
Company: NRA Group, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is the third collection agency that has tried to put this debt on my credit report. Prior to this being put on my credit report I was able to dispute this charge with success. Ive always had medical insurance, I took my son to the XXXX XXXX. Prior to leaving I paid my insurance deductible before leaving the hospital because I didnt want to be billed. I was chartered around XXXX dollars for this visit from what I remember. Two years later I received a call from the first collection agency about these charges so I called my insurance company to see if what if anything happened. I was told that me pay my deductible the day of, I fulfilled my obligation. It is unfair that this information is sold over again to companies trying to extort money that I dont owe. I would have paid long time ago had I known that I had a legitimate debt. I also call the original hospital that I took my son to and they went out of business so there is no record of charges for services.

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 2023-08-08
Company: EQUIFAX, 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX 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 : {$2700.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3200.00} ; XXXX XXXX Balance : {$480.00} ; XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12
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:
I am writing to dispute inaccurate information that appears on my consumer report maintained by your agency. The inaccurate information pertains to the Date Opened and Credit Limit, and it is adversely affecting my creditworthiness and financial standing. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information reported by consumer reporting agencies. Upon reviewing my credit report, I have identified the following discrepancy : XXXX XXXX Acct # XXXX Date opened is incorrect. 
Credit limit is inaccurate. 


I request that you investigate this matter in accordance with the FCRA guidelines. Please delete or correct the inaccurate information from my consumer report as soon as possible. Enclosed with this letter are copies of documents that support my dispute. [ If applicable, provide any supporting documents such as payment receipts, letters from creditors, etc. ] I kindly ask that you promptly conduct a thorough investigation into this matter and notify me of the results within 30 days, as stipulated by the FCRA. If you find that the information is indeed inaccurate, please remove it from my consumer report and provide me with an updated copy of my corrected report. 

I appreciate your prompt attention to this matter and your adherence to the legal requirements outlined in the FCRA. I trust that you will handle this dispute with the urgency and accuracy it deserves.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: MO
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 writing to formally request the removal of inaccurate and/or outdated items from my credit report, which I believe are negatively impacting my credit profile. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and correction. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXXXXXX XXXX XXXX XXXX XXXX  MO, 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 2023-11-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
That problen is small but the Bank Citizens is bed I try take XXXX the day thursday XX/XX/XXXX  but dont ' take XXXX for my Card enroled XXXX is Declaim I have plany many but for rezon the bank decline. I go to online see my acount online and see the bank aplide two time {$9.00} this thay I call a citizens Bank end try to Help and bank say we need to weigth 10 minutes I realy way 40 minuts and hand up the call no XXXX  the bank is incredible this happen 5 XXXX  we have same problem and today is the las day I call and hapend same I don't no wath I nedd to do Please Help me in this problem This is the XXXX  I call XXXX ( XXXX ) XXXX thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-09
Company: HomeTown Lenders, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
On XX/XX/XXXX  we closed on a XXXXXXXX XXXX XXXX XXXXXXXX ( now our primary residence ) with Hometown Lenders listed as our mortgage servicer. We sent electronic payments for XXXX and XXXX in the amount of $ XXXX. On XX/XX/XXXX, I learned that our mortgage was sold to XXXX XXXX  and we were showing overdue for the XXXX and XXXX payments. I contacted XXXX XXXX and explained that we made those payments to Hometown Lender. After unsuccessfully trying to get Hometown Lenders to send the 2 payments to XXXX, I paid the two overdue payments to ensure I was current with my mortgage. Since that time, we've attempted to get Hometown to either send us a check for the 2 payments or send the 2 payments to XXXX XXXX  directly to no avail.I can send emails with Hometown payment confirmations and our request to Hometown Lenders to transfer our 2 payments to XXXX if requested.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX United States XXXX ATTN : DISPUTE/CLIENT RESOLUTION XXXX RE : FRAUDULENT HARD INQUIRY Please be advised that as of XX/XX/2023 as listed on my most recently reviewed consumer credit report, there are several fraud/unauthorized inquiries listed. As a reference, please see the below inquiries : see attached I am hereby notifying you that these are fraudulent and neither on those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given XXXX permission to furnish this information. Having understood this is a violation of 15 U.S.C. 1681b. Both together and separately my consumer and privacy rights are being violated. 

The aforementioned fraudulent/unauthorized hard inquiries are to be removed from my consumer credit report and file IMMEDIATELY as the reporting of them has caused me and my reputation harm and discrimination. 

Without Prejudice, 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 2023-11-24
Company: Experian Information Solutions Inc.
State: TX
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 sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
The information shared by three major reporting agencies was shared illegally. I have written proof and the remarks should be removed.

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 2022-03-02
Company: BANK OF HAWAII CORPORATION
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid off my mortgage loan with Bank of Hawaii on XX/XX/2022. As of XX/XX/2022, XXXX : 1 ) NOT received written confirmation that the loan has been paid off, 2 ) NOT received the balance in my escrow account, and 3 ) NOT received a refund for an apparent overpayment of interest on the mortgage loan. Bank of Hawai has had use of my money- with no interest or other compensation to me- for 25 days now. I called BOH on Tuesday, XX/XX/2022 and asked about the money we are owed. Their attitude was pretty cavalier to say the least, saying it usually takes " several weeks '' for these kinds of refunds to be made. If that is indeed the case, then BOH is unfairly taking advantage of its customers and your agency and other relevant agencies need to investigate. 

On XX/XX/2022, we received the funds that Bank of Hawaii owed to us. However, as part of this complaint, please consider the following additional information : On XX/XX/2022 we received a refund of the funds in our escrow account in the amount of {$2400.00}. Bank XXXXf Hawaiis cover letter was dated XX/XX/XXXX 6 days earlier than the date we received it. Bank of Hawaiis check was dated XX/XX/2022. However, the loan associated with the escrow account was paid off on XX/XX/2022. Bank of Hawaii had the free use of almost {$2500.00} of our money for 27 days. 

Also on XX/XX/2022, we received a refund of the overpayment on the payoff of our loan in the amount of {$140.00}. Bank of Hawaiis cover letter for this check was dated XX/XX/2022 (!! ) Bank of Hawaiis check was dated XX/XX/2022 20 days after the date on the cover letter. As noted above the loan was paid off on XX/XX/2022. Bank of Hawaii had the free use of almost ( an additional ) {$150.00} of our money for 27 days. 

This practice harms all consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Experian Information Solutions Inc.
State: FL
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'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 accounts that reporting on my credit report. Since this is a strict violation of FCRA laws I need the accounts removed from my file 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

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 2020-02-14
Company: Experian Information Solutions Inc.
State: MN
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:
What information did you send to the creditors and what did they send back? The reason I know you are not properly doing investigation is due to the fact that you are typing in the comment fields acting like you did an investigation that is the wrong spot should be listed in the correct spot on the credit report I have submitted factual proof that you are not doing your job and most importantly follow the law either you remove these account or I will file a federal lawsuit and sue you for what Im entitled too. Im in need of a car and I will he applying for credit in the next 5 days after speaking to attorney about this first thing they ask did you apply for credit brings in more money and you almost immediately win your case but you need to follow the law and do what you are expected to do. And obey the law but you will soon find out very very soon Why dont you send me the information that was sent by your company and what the creditor sent you?? Maybe their was nothing sent could that be?? 
Send this information last time asking for it 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 explanation
Consumer complaint received 2024-01-09
Company: CCS Financial Services, Inc.
State: MN
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
placed a order online for new mobile service in XX/XX/2023, they ran a credit check was approved was going to make monthy payments on a new apple iphone and the calling plan i chose .Had to pay the tax on the total retail cost to get started .Never received the phone which was to be delivered by XXXX signature required for delivery, never saw XXXX or signed for .tracking number was given in which u can obtain proof of delivery, which is a pdf of the signature given when delivered, completely blank.after many many attempts to resolve debt was finally credits on our internet service that i have been a customer of for many years they have mobile service as well.credits for the sales tax paid and additional XXXX dollars for the inconvenience, since then received letter ccs services saying owed XXXX.sent written notice disputing debt got letter back saying debt valid and proof was included which shows a different amount XXXX total amount on a blank sheet that says XXXX XXXX at the top

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation