BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-19
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sent Equifax a letter on XX/XX/2020 with evidence that the bankruptcy reporting under my name and SSN number is not compliant, not accurate and cant be verified. 
I am attaching letters from the Bankruptcy court and County Recorder of Deeds stating they dont report or verify records reported against a consumer. I also attached a letter stating I opted out of XXXX and froze my account with them. 
How can Equifax verify this debt as mine when they dont have access to any data to verify the Bankruptcy from XXXX or the Bankruptcy Court? 
All public records reported against me from Equifax are violating the Fair Credit Reporting Act and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Consumer Adjustment Company Incorporated
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have updated information regarding complaint # XXXX Dear CONSUMER ADJUSTMENT COMPANY INCORPORATION, I am writing in regards to the collection account that you have been attempting to collect from me. I am concerned that I have not received any update from you regarding the investigation you were supposed to conduct. 

As per the Fair Debt Collection Practices Act, you are required to provide me with a written notice of any action taken, including an investigation, within five days of receiving my dispute. However, I have not received any communication from you regarding the status. 

I am now making a demand that you delete this account from all 3 credit reporting agencies in the next 5 business days or I have no other choice but to file a lawsuit suit in federal court for fraudulent activity & defamation of character. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: TD BANK US HOLDING COMPANY
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I put a stop payment for progressive leasing and the funds still came out of my account for {$510.00} and I was charged {$20.00} for the stop payment fee. 
I am protected by the FDIC which my deposit insurance protects me as a customers in the event that an FDIC-insured depository institution fails. Bank customers dont need to purchase deposit insurance ; it is automatic for any deposit account opened at an FDIC-insured bank. Deposits are insured up to at least {$250000.00} per depositor, per FDICXXXXinsured bank, per ownership.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: IL
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 want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

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 2020-11-20
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have been banking with Simple XXXX since 2015 and have been really happy with their budgeting tools. But I am now seeking to access my funds to purchase a home and have had significant issues with customer service responses and times. I have 2 days to send a deposit and simple has not transferred the funds on the date they promised to my other bank account so that I can wire the deposit. I have over XXXX in limbo ( no longer in my account ) but not in XXXX XXXX records ( the receiving bank ). I have called customer service and waited on the phone for a total of over 4 hours. No one has answered. Ive sent messages online and received a few very unhelpful responses. I am close to breaching my contract because I can not find out where the XXXX I sent actually is and they are not answering the phones.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Experian Information Solutions Inc.
State: NY
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 tried multiple times to set up payment, set up monthly payments multiple times, over the phone and online payments were not going through and after multiple attempts to pay monthly they said I missed to many payments and put a hit on my credit score that lowered it by over XXXX points. I then was forced to pay off the balance in full or risk a harder hit on my credit score. I then disputed with Experian which boosted my score back up by XXXX points but I believe this should be removed from my record completely and that my score should go back to what it was before the hit.

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 2022-12-16
Company: CITIBANK, N.A.
State: PA
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:
There is a credit card on my credit sesame account saying it is thru CITI and I don't have a credit card at all and never have when I called them about it they told me said there is no credit card in my name or with my social security number but it is on my credit and has been for years. It was paid off then I got a update that a new authorized uses was added and a new amount was set and now it is back on my report

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 2023-10-21
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: Account information incorrect

Complaint:
XXXX is reporting information from this company that is not true in the amount of {$42000.00}.

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 2022-11-25
Company: Experian Information Solutions 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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have 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 an account without my written instructions.

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 2023-10-23
Company: EQUIFAX, INC.
State: TX
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:
This letter is written to address issues with the accuracy of information in a recent credit report. A thorough examination of the report revealed several contradictions that demand further investigation. 

I am knowledgeable about the specifics of the Fair Credit Reporting Act because I practice careful consumer behavior. This law enables individuals to challenge and request changes to any inaccurate information on their credit reports. 

Due to familiarity with the Fair Trade Commission 's ( FTC ) guidelines, these errors in the credit report raise concerns. These errors are a chance for me to verify what I know about how credit reporting functions and, more importantly, how effective the laws that control it are, even though I didn't anticipate them. 

I am aware that consumers have the right to contest the veracity of their credit reports under the Fair Credit Reporting Act. The FTC is responsible for enforcing this federal law, which has safeguards to protect our interests and ensure that information about credit is presented accurately and fairly. 

I'm currently making use of this right to challenge the FCRA violations because these problems demand further investigation. Given that it improves their capacity to monitor and maintain their financial health, this law is extremely valuable to consumers. 

I'm hoping for a satisfactory and swift resolution in accordance with these regulations in light of this. Not only will prompt action be advantageous, but it will also highlight the significance and value of these consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04
Company: Lockhart, Morris & Montgomery Inc.
State: KY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have reached out to XXXX XXXX and to Lockhart and morris collection company, I found an agreement with the school stating that I had to work for them for one year and that that would be resolved. I worked from them from XX/XX/XXXX up until I left Georgia in XX/XX/XXXX. After speaking with the school, they agreed at the speaking with Lockhart and Morris. They sent information to the school and then sent me a copy of the contract, which I already have, and still did not resolve the issue. my work dates for XXXX XXXX was I started school XX/XX/XXXX got my license XX/XX/XXXX from there. I did my training from XX/XX/XXXX until XX/XX/XXXX was waiting for the next part of my training and on a leave started back up and XX/XX/XXXX and was there until XX/XX/XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
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:
We made a payment to vendor XXXX XXXX for services of {$250.00} on XX/XX/XXXX for cable and internet. This vendor, was, in fact, not XXXX XXXX but a scam artist/hacker. This payment was taken from our account, fake confirmation emails were sent to his gmail account, but payment was not actually made to the our XXXX XXXX account. 

Once we realized this error, our cable and internet services were turned off, and we had to pay fees to have the services turned back on in addition to our late bill. 

We have spent countless hours on the phone with XXXX and our bank trying to get this sorted out - and even asked XXXX to open investigations into our account being hacked - but they refused. During one phone call to XXXX, we were even able to get the hacker back on the phone ( using my phone while my husband was on the phone with XXXX ) XXXX and listened as they lied and hacked into our account again. XXXX still did nothing, and expect us to pay the full amount owed plus late fees that we do not owe. We were receiving emails ( fake ), that our account was up to date. We are now not allowed to pay our XXXX bill with a card or online due to this, and have to pay in cash at a service center. With regards to our bank- we've been through XXXX disputes with them for this issue, and they will not refund the money - the hacker also used my husband 's bank card to try to make several other payment ( XXXX in total ) on XX/XX/XXXX for the amount 's of XXXX, XXXX, and XXXX. They last one ( not sure of the amount ) was flagged by our bank and thankfully the transactions were reversed. His card was canceled and a new one issued. Both the vendor XXXX XXXX  ) and our bank are aware that hackers have been in our accounts multiple times, but will not refund the money from XX/XX/XXXX for XXXX This scam artist/hacker had our account information from XXXX XXXX, and confirmed all of our information. The confirmation emails and text messages looked legitimate, but they were not. 

While we were working this all out with XXXX XXXX, we were actually able to call back a number we had and get a hacker on the phone and they tried to get more money from us and hacked into our XXXX XXXX account again. Still nothing has been done. 

Due to the payment of {$250.00} not going to the correct vendor ( XXXX XXXX ) our cable and internet was shut off on XX/XX/XXXX. We had to pay late fees and the total due bill, which we thought we already paid, to get services restored. The payment of {$250.00}, had in fact been taken by a hacker.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: SYNCHRONY FINANCIAL
State: TX
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 have an account saying I have a current balance when I never opened an account. It says I have past balances due and is affecting my credit score.

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 2022-12-16
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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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.

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 2019-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have requested that Transunion provide me with information about the company that is saying I owe them. They told me that the company verify that I owe this debt. I asked them to provide my signature or identification number since most department stores have to provide this information. They told me that I need to contact the company. I also asked them how did they verify that this item belongs to me. I have spoken to a live agent and explained to them that I have been in their system since 1993 which I was only 13. I told also told them that my file was mixed with someone else could they add my middle name to prevent this from occurring. I have sent several letters requesting the have 30 days reply I just received a letter saying it was verified

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 2022-12-16
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid off the credit card according to the statement on the Chase Website on XX/XX/XXXX, 2 weeks before the due date In XXXX. The balance on the website showed {$0.00} balance due after the payment cleared. They then sent me a bill for the XXXX statement for {$49.00} for additional interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have included a police report number XXXX bage # pc. XXXX for XXXXXXXX XXXX  these accounts are not mine please remove

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 2023-10-22
Company: Experian Information Solutions Inc.
State: MI
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:
This Company has violated my rights as a Consumer by not complying with the law by consistent ignore my Right to Privacy in accordance with : 15 USC 6801 ( a ) The Company has ignored it's obligations pursuant to : 15 USC 6801 ( b ) 15 USC 1681 ( a ) I am requesting that this company remove and delete the following named accounts immediately and cease reporting any of my personal information without my consent. 
1. XXXX 2. XXXX XXXX XXXX XXXX ( 3 Accounts ) 3. XXXX XXXX ( 4 Accounts ) 4. XXXX XXXX 5. XXXX XXXX 6. XXXXXXXX XXXX XXXX  XXXX 7. XXXXXXXX XXXXXXXX XXXX 8. XXXX XXXX 9. XXXX XXXX 10. XXXX XXXXXXXX XXXX 11. XXXX XXXX 12. XXXX XXXX 13 . XXXX XXXX 14. 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 2023-03-20
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/2022 - XXXX, I CALLED THE BANK MULTIPLE TIMES TO LET THEM KNOW THAT I WAS UN-AWARE OF THE FRAUD ACTIVITY ON MY ACCOUNT AND ALL THE DID WAS TRANSFER AROUND AND AROUND INSTEAD OF HELPING ME RESOLVE THIS 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 2023-03-20
Company: Freedom Mortgage Company
State: WV
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I received an Escrow summery from Freedom Mortgage Company on XX/XX/XXXX showing they were increasing my monthly mortgage payment due to insufficient funds in my escrow account. They were stating I was short {$1900.00} and will be increasing my mortgage payments an addition {$300.00} a month starting XX/XX/XXXX. I reviewed all my statements and the summaries they provided and found there should be {$660.00} surplus. I have contact them twice now trying to get this resolved but they refuse to review this error. I have created a spreadsheet showing what was reported each month on my monthly statements and what they reported on their yearly summery reports. There are 2 months every year since XXXX no funds were entering my escrow account. Every month I receive a bill statement showing a specific amount going to the escrow account to include the missing months on their summery. I would request an immediate review of this account and an official letter of apology once they correct these funds.

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 2017-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 would like validation of the credit application and signature sent to my mailing address. I do n't want any verification through any other company. I would like this removed from my Credit report if there is no valid validation.

Company response to consumer: Closed with explanation