BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-03
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have a credit card from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 days late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XXXX of 2021. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions 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 is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXXXX Balance : {$6700.00}.

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 2023-05-02
Company: DISCOVER BANK
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In 2018 my previous university basically forced to take out a private loan so they can pay the rest of my school tuition as I can remember my XXXXXXXX XXXX was not enough, at that time I was enough naive to consent and made me sign documents, within those documents I was naming a co-signer who happens to be a close friend. But because I decided to go back to graduate school I was not supposed to repay, but these people kept sending docs to this friend about this loan because I was not paying because I was in school, anyway this entity DISCOVER/Student Loans has been harassing this friend with the intention to intimidate her/me. I just finished my school and I am looking for a job to I can repay this loan, but would like to know what my rights are as I feel a co-signer should not be punished if the main borrower ( me ) can not pay. So just need some advise

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently obtained a copy of my credit report and discovered several errors. To rectify this issue, I exercised my rights as a consumer by mailing dispute letters to all three credit bureaus, namely XXXX XXXX, Experian, and XXXX, on XX/XX/2023. Although Experian received my letter on XX/XX/XXXX, I received an email from them on XX/XX/XXXX stating that they did not believe the letter was from me or authorized by me, despite my providing a copy of my driver 's license, Social Security card, and proof of address. I even included specific language within the letter to confirm my authorship. To my dismay, Experian proceeded to misquote the law and misled me into thinking that they would not be taking any action regarding my dispute, citing " precautionary measures. '' In reality, 15 U.S. Code 1681i clearly outlines the procedure for disputed accuracy of information in a consumer 's file at a consumer reporting agency. The law mandates that a free, reasonable reinvestigation must be conducted within 30 days of receiving the notice of dispute from the consumer or reseller. Additionally, the agency must provide prompt notice of the dispute to any person who provided the disputed information, including all relevant information regarding the dispute received from the consumer or reseller. 
Experian 's actions violate my consumer rights, specifically 15 U.S. Code 1692e, which prohibits false or misleading representations. Experian 's failure to communicate that a disputed debt is disputed is a clear violation of this statute. As such, I am entitled to {$1000.00} per violation and demand that Experian immediately delete this account. I have attached a copy of the email from Experian as evidence of their misconduct.

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 2018-09-01
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX - reporting a balance of {$600.00} when original creditor shows Hughest balance being {$550.00} and when I called and asked to verify the balance history and validate it so I know its legitimate, they said they cant give me any info about the debt just that I have to pay them. 
Original creditor is XXXX XXXX XXXX- shows as open account on XXXX and XXXX XXXX well as XXXX XXXX, how can they both be open? XXXX fixed that with dispute. XXXX didnt update after disputing, XXXX has inaccurate history or none at all for multiple account and they continue to say they cant verify my identity when submitting a dispute, when I can log in their sister sites just fine to access my reports. 
XXXX XXXX XXXX claims to have bought a debt from a creditor my precious bank XXXX XXXX XXXX XXXX XXXX who I was having issues with their way of applying deposits and transactions out of order to ccharge me outstanding fees of hundreds of dollars over the time I was with them. I opened account elsewhere and was paying down the fees, I made a payment of {$200.00}, next balance said {$0.00} and then all of a sudden I have a collection from this collection co reporting I owe {$190.00}. They will not inform me what kind of credit ( since I had no credit with BOW ) and what transactions I did not pay for that led the account to be sold to them. XXXX dispute was successful. XXXX and XXXX are impossible to submit disputes with and never seem to investigate to the degree that XXXX does or else they woukd come to the same conclusions. I have disputed wrong personal info through XXXX they claimed to delete and it still appears. My score is over 80 or more points less with XXXX, and 40 with XXXX  due to these specific errors. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: WI
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:
HI, I do not recognize these inquires on my Equifax credit report. 
I believe they could be fraud, some one got my personal info. Because my bank account was hacked a few months ago also. 


Equifax XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently tried to check my credit report on all 3 car The information that was listed on my credit file has the incorrect birthday And addresses listed incorrectly

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 2023-12-18
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX I initiated a wire transfer of {$6000.00} from my Citigold account to my account at XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. This is the partner bank to my bank in XXXX, XXXX, XXXX. I own a home in XXXX and spend the winter there. I received notification of a " fraud alert '' on the wire transfer and that it was under review for 24 to 48 hours. About 12 hours later, I received an email stating that my online access to my Citigold account was on hold. Shortly thereafter, I spoke with my wealth manager at Citigold who did an investigation. He told me that a " hard closure '' of my account had occurred and that he could not speak to the fraud unit that had closed my account. I have heard from the Citi Executive Response team that they have until the end of XXXX to distribute the funds in my account ( approximately {$13000.00} ). I have no access to my bank records or Citi credit card. I do not know what bills have been processed or what monies received. 

I believe the fraud alert was triggered by my initiating the wire transfer from my computer in XXXX. I understand the need to monitor these sorts of transactions. However, no one contacted me to ascertain my circumstances. I have just been victim to the bank 's algorithms. This situation has been written about in the 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. Frankly, this is a grotesque way to treat customers, especially one who has been with the bank for over XXXX years ( and at the elevated " Citigold '' level ).

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 2022-12-27
Company: Factor Trust
State: AZ
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:
After reviewing the consumer file held with FactorTrust regarding myself, I found that this company is reporting incorrect personal information regarding me on file. I reached out to this company via USPS mail twice with a written dispute clearly disputing all incorrect information and clearly providing the correct personal information. In both written dispute letters I included a copy of my ID and proof of address via bank statements. Both attempts to dispute were not investigated or corrected. I will be pursuing legal steps since FactorTrust continues to violate my rights under The Fair Credit Reporting Act by refusing to properly investigate and DELETE the incorrect information it is reporting on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: CIG FINANCIAL LLC
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against CIG Financial Capital Incentive Group for committing identify theft. I have never given CIG Financial Capital Incentive Group any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CIG Financial Capital Incentive Group can provide me with sufficient documentary evidence that i have any legal obligation to pay them. If this documentary evidence can not be produced and CIG Financial Capital Incentive Group continues its collection efforts, I will file for litigation for actual damages caused and CIG Financial Capital Incentive Group will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are herby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: HW Holding, Inc
State: OH
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is for an account I had with a previous landlord. XXXX XXXXXXXX XXXX XXXXXXXX Indiana. They have various parent company names. This account was created XXXX of XXXX. I paid the entire account {$2700.00} IN PERSON at the building to the leasing staff on XX/XX/XXXX. With a signature and I have that receipt. Since that date, XXXX XXXXXXXX via collection company Hunter Warfield have continued to call, mail, and email me stating there is an open balance for this account. I also have the receipt for the money orders and tracking information from XXXX XXXX and XXXX regarding the purchase. I sent this information in XXXX of XXXX stating that via service provider XXXX XXXX- XXXX XXXX XXXX that these money orders were all cashed. I dont know what they did with any of it. But they continue to pursue me for a collection I no longer owe. I have tried 3 times to call and resolve via Hunter Warfield and I still can not resolve anything. I have provided dates, receipts, signatures, tracking. As I said I paid in person the balance and still have issues. I will not continue to be harassed over a false debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been trying to fix this credit error for over six months with no response from the credit bureau. I have requested multiple times for this account to be validated or removed. 

{$980.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX Opened XX/XX/2020 ( 2 yrs, 7 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXXXXXX 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 2023-03-22
Company: EQUIFAX, INC.
State: MO
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 was never late payment account was paid off and closed as reflected by XXXX. Equifax and XXXX are not reporting accurate information such as payment status and date of last payment. Equifax failed to report my dispute in the comment section, not consistent with XXXX reporting. 
A violation of Section 623 of the Fair Credit Reporting Act, Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
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:
I have been trying to fix this credit error for over six months with no response from the credit bureau. I have requested multiple times for this account to be validated or removed. 

{$980.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/2020 ( 2 yrs, 7 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRUIST FINANCIAL CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a Certified Check ( {$12000.00} from XXXX  ) into my Trusit checking account - online deposit. Truist placed most of the funds on hold until XX/XX/2023. This seems an excessive lenght of time for a Cashier Check from another bank. I dont see the rish to Truist bank. Also, funds i try to sendusing the XXXX app are also, placed on hold. 

Hello XXXX XXXX, Account Number : Business Day of Deposit : XXXX Total Amount of Deposit ( s ) Subject to Hold : {$12000.00} Available XXXX : {$5500.00} Total Amount of Funds Held : {$6400.00} " During our review of your recent deposit ( s ), we found it necessary to place a hold on the check ( s ) deposited. This hold will delay the availability of these funds to cover any outstanding checks, ATM withdrawals, debit card purchases, or other debit items, such as cash withdrawals or wire transfers. 

We encourage you to monitor your available balance through Online Banking, Mobile Banking, or by contacting us at XXXX ( XXXX ). 

The reason for the hold and the date on which the funds will be available are outlined below : '' Deposit ( s ) Subject to Hold Funds Held from Deposit Date ( s ) Funds Will be Available Hold Reason {$12000.00} {$6400.00} XXXX Total Deposit for today exceeds {$5500.00}

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 2023-12-18
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2023 the company was sent my opt-out notification.

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 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Transunion illegitimately assumed the role of reporting information about me. I've reach out to Transunion ; in attempts to resolve their careless and XXXX actions ; amicably and out of court more times than I've kept record of ; via telephone and XXXX XXXX MAIL tracking numbers : XXXX, XXXX, XXXX ). Despite me proving proof of their negligence, my commands and demands to redress this matter ; Transunion purposefully continued to commit fraud. Transunion unlawfully, without my consent, without providing any type of adequate notice, or without any type of authorization from me deliberately, knowingly, illegally, and willfully used my credit card ( SSN ) to furnish allege incorrect information about me. Transunion committed XXXX  identity theft against me Their actions put me at risk further of identity theft. Transunion also willing directly violated the XXXX XXXX XXXX, XXXX XXXX, The Consumer Credit Protection Act, The Truth in Lending Act, The Fair Credit Reporting Act and The Fair Debt Collection Practices Act, The Consumer Financial Protection Act, The Fair Credit Billing Act, The Dodd-Frank Act, and The Uniform Commercial Code. Due to Transunion lawlessness I've XXXX XXXX financial injury and grave XXXX XXXXl. I've been denied extensions of my own credit in excess of well over {$XXXX} ( XXXX XXXX XXXX Dollars ).

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 2020-02-20
Company: Experian Information Solutions Inc.
State: CA
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:
This is my third complaint against experian. Experian NOW has my overall credit usage at a WHOPPING 990 % ... ... ... ... I thought 100 % was the highest. My former complaint was that experian was reporting falsely that 100 % credit usage was wrong. And now 990 % is super super glitch wrong. What is happening.

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